日前，China Daily发布《助力消费复苏，数字人民币试点再扩围》一文，重点关注数字人民币在当今的具体应用，及其对经济的有效助力。那么，到底什么是数字人民币那？我们一起来了解一下。

数字人民币（E-CNY），又称数字货币电子支付（英语：Digital Currency Electronic Payment，缩写：DC/EP），是中国人民银行发行的法定数字货币，主要用于流通中现金（M0），由指定运营机构参与运营并向公众兑换，货币以电子形式支付，价值与人民币的纸钞和硬币同等。数字人民币目前已在部分地区开展测试。

2014年，周小川领导下的中国人民银行成立中国人民银行数字货币研究所及数字货币研究专门团队，开始对数字货币发行框架、关键技术、发行流通环境及相关国际经验等问题进行专项研究。2017年末，经国务院批准，中国人民银行组织部分大型商业银行和有关机构共同开展数字人民币体系（DC/EP）的研发。报道指，DC/EP在坚持双层运营、现金（M0）替代、可控匿名的前提下，基本完成了顶层设计、标准制定、功能研发、联调测试等工作。

数字人民币实质属于流通中人民币现金的补充范畴，功能属性与纸钞完全一样，只不过是数位化形态。 中国人民银行副行长范一飞解释数字人民币的政策时，指出该货币主要定位于流通中现金（M0），是为与比特币、全球性稳定币等加密资产相竞争而研发，以向数位经济发展提供通用性的基础货币。而该货币沿用原本的货币管理体系，在坚持中心化管理下发行，受到《中国人民银行法》、《人民币管理条例》等条文的约束，交易都会受监控。中央银行在数字人民币体系中居于中心地位，向指定的商业银行发放一定的数字人民币并进行全生命周期管理，由商业银行等机构再向社会公众提供兑换和流通。

Digital renminbi (Chinese: 数字人民币; also abbreviated as digital RMB and e-CNY), or Digital Currency Electronic Payment (DCEP, Chinese: 数字货币电子支付), is a central bank digital currency issued by China's central bank, the People's Bank of China. It is the first digital currency to be issued by a major economy, undergoing public testing as of April 2021. The digital RMB is legal tender[4] and has equivalent value with other forms of renminbi, also known as the Chinese yuan (CNY), such as bills and coins. 以下为相关例句：

例句1

In 2017, the State Council approved the development of the digital RMB, in partnership with commercial banks and other organizations. Chinese technology firms such as Alibaba (through its affiliate Ant Group), Tencent (which owns WeChat), Huawei, JD.com and UnionPay were invited to cooperate with the central bank in developing and testing digital RMB.

2017年，国务院批准与商业银行和其他组织合作开发数字人民币。阿里巴巴（通过其附属公司蚂蚁集团）、腾讯（拥有微信）、华为、京东和银联等中国科技公司应邀与央行合作开发和测试数字人民币。

例句2

The PBOC has stated that the goal of launching digital RMB is to partially replace cash, but not bank deposits or privately run payment platforms.The bank claimed that digital RMB could be used to reduce money laundering, gambling, corruption and terror financing, and may improve the efficiency of financial transactions.

中国人民银行表示，推出数字人民币的目标是部分取代现金，但不是银行存款或私人运营的支付平台。该银行声称，数字人民币可用于减少洗钱、赌博、腐败和恐怖融资，并可能提高金融交易的效率。

附：助力消费复苏，数字人民币试点再扩围 Digital yuan continues domestic march

The trial use of digital yuan has played a significant role in boosting domestic consumption as such use has been utilized in more Chinese cities and application scenarios, thus further boosting company participation, said experts.

专家表示，随着数字人民币在更多的国内城市和应用场景中使用，数字人民币试点在促进国内消费方面发挥了重要作用，从而进一步促进更多企业使用数字人民币。

The e-CNY, which launched experimental usage three years ago, has been made available in several more domestic locations, such as Jinan, Shandong province and Kunming, Yunnan province, in the latest expanded trials on Dec 16. Trial use has also been promoted at the provincial level in Guangdong, Jiangsu, Hebei and Sichuan amid the most recent expansion. To date, e-CNY can be used in 26 locations across 17 provinces and cities.

数字人民币试点推广已有3年，12月16日，试点范围在现有试点地区的基础上扩展至至广东、江苏、河北、四川全省以及山东济南、云南昆明等地。至此，数字人民币试点全国已有17个省市的26个地区开展数字人民币试点。

Alipay, the payment app operated by Alibaba Group's financial affiliate Ant, became the first digital payment platform to join the e-CNY acceptance network on Dec 12. Platforms or applications connected to Alipay, such as e-retailer Taobao and Shanghai's public transportation payment system, can all accept e-CNY payments.

12月12日，阿里巴巴集团旗下蚂蚁集团运营的支付应用支付宝加入数字人民币受理网络，成为首家支持数字人民币钱包快付功能的支付平台。淘宝、上海交通卡等支付宝接入的平台或应用程序都接受数字人民币支付。

Wang Pengbo, chief financial industry analyst at market consultancy Botong Analysys, said the connection to Alipay may signal an even wider use of e-CNY. The large consumer and client base of Alipay can serve as an optimal platform to enrich the application scenarios of digital yuan and enhance user loyalty.

博通咨询金融业高级分析师王鹏波表示，数字人民币与支付宝渠道正式打通或意味着数字人民币应用范围将进一步扩大。支付宝平台庞大的用户和客户群可以拓展数字人民币应用场景，提高用户忠诚度。

As China accelerates its optimization in COVID-19 control policies, more platforms and municipal governments have issued coupons in the form of e-CNY to boost consumption and render a helping hand to pandemic-affected industries such as restaurants and hotels, he added.

王鹏波称，随着中国加快优化新冠疫情防控政策，更多的平台和地方政府发放数字人民币消费券，以刺激消费，扶持餐饮酒店等受疫情影响的行业。

On Dec 16, online food delivery giant Meituan started to provide 20-yuan ($2.9) coupons to each user opening digital yuan wallets via China Merchants Bank. Meituan has granted coupons to more than 10 million users ever since it started to accept e-CNY payments in January.

12月16日，外卖巨头美团开始向通过在招商银行开通数字人民币钱包的每位用户提供20元优惠券。自1月开始接受数字人民币支付以来，美团已向1000多万用户发放优惠券。

In early December, the Guangzhou Municipal Commerce Bureau and the People's Bank of China Guangzhou branch released more than 1 million yuan worth of coupons in the form of e-CNY to help the recovery of the local consumer market.

12月初，广州市商务局和中国人民银行广州分行发放百万数字人民币红包，促进消费市场回暖。

As explained by Zhou Maohua, a macroeconomic analyst at China Everbright Bank, the technologies adopted by e-CNY, especially smart contract technology, can help boost consumption more precisely. The combination of the digital yuan with coupons and e-commerce platforms will help promote wider use of e-CNY and the accelerated recovery of the consumer market, he said.

中国光大银行宏观经济分析师周茂华表示，数字人民币的技术特性尤其是智能合约技术的运用，有利于精准促进消费。他认为，数字人民币与消费券、电商平台等场景结合，有助于数字人民币推广，也有助于消费市场加速回暖。

According to the PBOC's digital currency research institute, more than 5.6 million shops and retailers have allowed e-CNY payments as of Aug 31. Up to 360 million digital yuan transactions have been made by the end of August, with the total amount exceeding 100 billion yuan.

中国人民银行数字货币研究所数据显示，截至2022年8月31日，15个省（市）的试点地区累计交易笔数3.6亿笔、金额超1000亿元，支持数字人民币的商户门店数量超过560万个。

（来源：ChinaDaily双语版）