Cross-Border Use of Digital Yuan Contributes to Financial Inclusion†

数字人民币的跨境使用有助于普惠金融*

Digest | 文摘

The mBridge project, a financial inclusion project featuring the cross-border use of central bank digital currencies (e.g., the digital yuan), has made impressive progress.  Jointly built by the Bank for International Settlements (BIS) Innovation Hub Hong Kong Centre, the Hong Kong Monetary Authority, the Bank of Thailand, the Digital Currency Institute of the People’s Bank of China, and the Central Bank of the United Arab Emirates, mBridge was tested by 20 banks in these four jurisdictions from August 15 to September 23, 2022.  During the test, 164 cross-border remittance and foreign currency exchange transactions with a total value of approximately USD 22 million were successfully completed.

By offering to all interested jurisdictions—especially those that lack access to traditional payment mechanisms—an efficient and low-cost payment solution rooted in the use of cross-border central bank digital currencies, mBridge helps foster greater financial inclusion in international payments.  Cecilia Skingsley, Head of the BIS Innovation Hub Hong Kong Centre, succinctly said, “financial exclusion is not just a problem for individuals; it is also affecting economies”.

Following the successful implementation of this pilot project, what are the next steps for mBridge’s development?  What useful experiences (e.g., in testing the domestic use of its digital currency, providing related mobile payment services, and setting legal standards) can China share with other countries?

以中央银行数字货币（例如：数字人民币）跨境使用为特色的普惠金融项目mBridge（“货币桥”）取得了令人瞩目的进展。货币桥由国际清算银行（香港）创新中心、香港金融管理局、泰国银行、中国人民银行数字货币研究所和阿拉伯联合酋长国中央银行共同建设。2022 年 8 月 15 日至 9 月 23 日，这四个司法管辖区的 20 家银行对货币桥进行了测试。测试期间，该平台成功完成了 164 笔跨境汇款和外币兑换交易，总价值约 2200 万美元。

由于货币桥为有兴趣使用该平台的司法管辖区——尤其是那些无法使用传统支付机制的司法管辖区——提供了建基于央行数字货币的跨境使用的一种高效且低成本的支付解决方案，因此货币桥有助于在国际支付中更广泛地促进普惠金融。国际清算银行（香港）创新中心负责人 Cecilia Skingsley 简洁地说：“金融排斥不仅仅是个人的问题；它也在影响经济体”。

在试行成功之后，货币桥下一步的发展是什么？中国可以与其他国家分享哪些有用的经验（例如，在测试其数字货币的国内使用、提供相关的移动支付服务、制定法律标准等方面）？

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^† This piece was contributed by Xinyue Zhu and edited by SINOTALKS.COM.

^* 此文章由朱新玥提供，并由丝络谈™编辑。

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