数字货币推动下支付体系的变革与优化

The Transformation and Optimization of Payment System Driven by Digital Currency

摘要

支付体系作为社会经济发展的重要基础设施，支付体系的结构与效率影响着资金运转速度是否流畅、有活力。如今，支付体系多元化与数字化趋势引起系统多方位的变化，不仅加快了支付速度、重新定义了支付安全，还将推动支付格局发生变化。但就目前支付体系本身发展所遭受的威胁来看，亦存在许多问题。因此，本文以支付体系作为研究对象，提出数字货币时代支付体系变革与优化路径，以期为支付体系的完善提供有益参考。

Abstract

As an important infrastructure for social and economic development, the structure and efficiency of the payment system affect the smoothness and vitality of fund operation speed. Nowadays, the diversification and digitalization trend of the payment system has brought about multi-faceted changes, not only accelerating payment speed and redefining payment security, but also driving changes in the payment landscape. However, in terms of the threats faced by the current development of the payment system itself, there are also many problems. Therefore, this article takes the payment system as the research object and proposes a path for the transformation and optimization of the payment system in the digital currency era, in order to provide useful references for the improvement of the payment system.

关键词

数字货币 / 支付体系 / 变革与优化

Key words

digital currency / Payment system / Change and Optimization

参考文献

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[3] 王晋斌. 未来全球支付体系变革的方向[J]. 中国外资, 2022,(15): 50-51.