從2014年著手研發工作到2020年進行公開測試，中國版的法定數字貨幣即數字人民幣漸行漸近。這既是貨幣形態演變的必然趨勢，也是數字經濟發展的內在需求。數字人民幣將以一種全新的姿態，解構並重構我國貨幣與支付體系。
The Chinese version of the legal digit currency – the digit renminbi – has come closer from the start of its development in 2014 to the public test in 2020. This is both a necessary trend in the evolution of the currency and an inherent demand for the development of the digit economy.
數字經濟的快速發展，對貨幣形態數字化的要求越來越迫切。在全球，數字經濟已經成為經濟重要驅動力和新的增長點。在中國，報告顯示，2019年數字經濟增加值規模達到35.8萬億元，佔國內生産總值（GDP）36.2%。在這種情況下，逐步實現法定貨幣的電子化和數字化，有助於滿足數字經濟發展對貨幣和支付體系的更高要求。而網際網路和資訊科技蓬勃發展，金融基礎設施不斷完善，為數字貨幣産生奠定了堅實的技術基礎。
Globally, the digital economy has become an important driver of the economy and a new growth point. In China, reports indicate that in 2019, the value of the digital economy increased to 35,8 trillion yuan, accounting for 36.2% of the country’s gross domestic product (GDP), and that the gradual realization of the digitalization and digitization of the legal currency has helped to satisfy the higher demands of the digital economy on the currency and the payment system.
從國際形勢看，有兩個趨勢是數字人民幣必須面對的：
In terms of the international situation, there are two trends that the dollar has to face:
第一，形式多樣的虛擬貨幣正在加速滲透，或將對我國貨幣體系構成衝擊。在比特幣等虛擬貨幣價格屢創新高的同時，天秤幣（Libra）等所謂的穩定幣也在興起。雖然這些虛擬貨幣（穩定幣）無法承擔法定貨幣的職能，但在一定範圍和場景內受到追捧，以去中心化的模式在網路上大規模交易。如果不加以防範，將可能侵蝕我國貨幣發行權。
First, a variety of virtual currencies are speeding up their penetration, or will impact on our national currency system. At the same time that virtual currencies such as Bitcoins have created new highs, so-called stable currencies, such as Libra, are also rising.
第二，多個國家正在開展數字貨幣研究，或將搶佔法定數字貨幣先機。目前，已有不少國家在央行數字貨幣研發上取得實質性進展或有意發行央行數字貨幣，包括法國、瑞典、沙特、泰國、土耳其、巴哈馬、巴貝多、烏拉圭等，美國近期也表現出對數字貨幣的濃厚興趣。如果我國不開展前瞻性部署，將難以在數字貨幣這場競賽中獲得先機。
Second, a number of countries are developing digital currency studies, or will take advantage of the statutory currency. Currently, many countries have made qualitative advances in the development of central bank numbers or are interested in issuing central bank figures, including France, Sweden, Saudi Arabia, Thailand, Turkey, Bahamas, Barbados, Uruguay, etc., and the US has recently shown a strong interest in digital currency.
從國內情況看，較早研發數字人民幣，與我國支付結算體系現狀密切相關。一方面，我國移動支付市場規模巨大、增長迅速，支付方式和産品推陳出新，支付服務水準不斷提升，成為全球範圍內一道獨特風景線。目前，廣大用戶已經養成使用電子支付工具的習慣。另一方面，非銀行支付市場形成雙寡頭格局，大型支付機構壟斷數據和場景，大量交易在其體系內封閉迴圈，難以有效實施監管，不但侵害客戶合法權益，更不利於公平競爭和金融風險防範。在這種情境下，發行數字人民幣具有重要性和緊迫性。
On the one hand, the scale and speed of our country’s move to pay the market, the way payments are made and the quality of our services is constantly rising, becoming a unique global landscape. At present, large users have grown into a habit of using electronic payment tools. On the other hand, the non-bank payment market has created a double-widow pattern, large-scale payments structures and scenes, and large-scale transactions have closed loops within their systems, making it difficult to effectively enforce surveillance, not only against the legitimate interests of clients, but also against fair competition and financial risk prevention.
數字人民幣將在解構國內外諸多挑戰的基礎上，重構我國貨幣與支付體系。
The digital renminbi will re-establish our national currency and payment system on the basis of many challenges, both within and outside the country.
一是提供幣值穩定、無限法償的數字貨幣。數字人民幣由央行依法發行，具有人民幣現金所具有的全部特性，發揮價值尺度、流通手段、支付工具等功能，將有助於規範貨幣交易行為，節約社會成本，使現代金融和經濟活動更加便捷、高效和安全。數字人民幣發行後，拒收現金行為或將減少。
One is to provide digital currency that is stable and unlimited. The renminbi is issued by the central bank in accordance with the law. It has all the characteristics of the renminbi in cash, and its value scale, means of circulation, means of payment, etc., will help to regulate currency transactions, reduce social costs, and make modern financial and economic activities easier, more efficient, and safer.
二是增強貨幣與支付體系公平性和普惠性。數字人民幣不向用戶收費，是面向全體公民的公共物品。作為法定貨幣，數字人民幣打破支付壁壘，在全部所支援的銀行和支付工具間實現流通；使用數字人民幣不用綁定銀行賬戶或支付賬戶，還可以在沒有網路的情況下使用，使用場景和範圍更廣。
The second is to increase the fairness and inclusiveness of the monetary and payment systems. The number of renminbis, which do not charge users, is a public good for the entire citizen. As a legal currency, the number of renminbis breaks the payment wall and circulates between all the banks and payment instruments that they support; the use of the number of renminbis, without the need to bind bank accounts or pay them, can be used without the Internet, with a wider view and context.
三是更好地維護金融穩定和防範金融風險。數字人民幣中心化管理、“可控匿名”等特性，在保護用戶資訊和隱私安全的同時，將支付活動置於有效管理之下，交易數據留存金融管理部門，解決現金交易中資訊不對稱問題，有助於打擊洗錢和反腐敗等，有助於金融風險監測和防控。
Third is to better safeguard financial stability and safeguard against financial risks. Digital centralization, “controllable anonymity” features, while protecting user information and privacy, place payment activities under effective management, keep the Department of Financial Management of Trade Data in order to address the inestimable nature of information in cash transactions, help to combat money laundering and corruption, and help to monitor and prevent financial risks.
此外，我國較早啟動數字人民幣研發工作，如果在法定數字貨幣方面開展國際合作，與世界各國及國際組織加強數字貨幣研發、監管等方面資訊共用和經驗交流，將有助於更好地推動數字貨幣服務全球，也有助於我國更好地參與國際金融治理。
Moreover, the early launch of digital renminbi development in our country would have helped to better promote digital currency services worldwide, as well as our country's participation in international financial governance, through international cooperation in the area of statutory numeric currency and enhanced information-sharing and experience-sharing with countries and international organizations around the world in the areas of digital currency development, supervision and so forth.
2020年10月開始，以發放數字人民幣紅包等形式，數字人民幣先後在蘇州、深圳等地開展多輪有公眾參與的測試活動。此外，北京、上海、雄安等地也對數字人民幣進行內部測試。上述測試活動進展順利，但仍處於從封閉測試到公開測試的過渡階段。下一步，應在安全性、穩定性和可靠性得到進一步驗證的前提下，可以在全國範圍開展大規模公開測試，並在條件成熟時正式發行數字人民幣。
In October 2020, several rounds of public participation were launched in Suzhou, Shenzhen, etc. In addition, Beijing, Shanghai,
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