中国人民银行计划将约12家商业银行纳入数字人民币系统

Gate News 消息,3月19日,中国人民银行计划将约12家商业银行纳入数字人民币系统,扩大其运营范围。新增银行将管理钱包开立、兑换、支付处理等功能,并负责日常运营和维护。目前,包括六大国有银行在内的10家银行已纳入该系统。

数字人民币采用"央行集中管理+商业银行两层运营"模式,中国人民银行负责发行和系统监管,商业银行负责前端服务和合规。随着数字人民币从"数字现金"向"数字存款货币"演进,商业银行的参与度预期将增长,货币的应用场景和机构覆盖面将进一步扩大。

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