全球数字货币发展报告

IFF2024《Report on the Development of Global Digital Currencies》www.iff.org.cnwww.ifforum.org主办单位/ Host国际金融论坛（IFF）International Finance Forum (IFF)UIA International Organization ID: AA2980联合主席/ Co-chair韩升洙Han Seung-soo珍妮·希普利Jenny Shipley周小川ZHOU Xiaochuan理事会/ IFF Board of Directors埃德蒙·阿尔方戴利阿罗约苏丹·本·纳赛尔·苏瓦迪Edmond Alphandéry, Gloria Macapagal Arroyo,Sultan Bin Nasser Al-Suwaidi,陈茂波洛朗·法比尤斯史蒂芬·格罗夫韩升洙Paul Chan Mo-po, Laurent Fabius,Stephen P. Groff, Han Seung-soo,戴青丽梁锦松李彤林建海约翰·利普斯基Deborah M. Lehr, Antony Leung, LI Tong, LIN Jianhai, John Lipsky,布莱恩·佩斯科冯慧兰珍妮·希普利穆罕默德·希姆谢克Bryan Pascoe, Mari Elka Pangestu, Jenny Shipley, Mehmet Simsek,多梅尼科·西尼斯卡尔科叶兆佳萧志伟中尾武彦Domenico Siniscalco, Ip Sio Kai, Sio Chi-wai, Takehiko Nakao,弗兰克·里斯伯曼格里·赖斯悉达多·蒂瓦里让·克洛德·特里谢Frank Rijsberman, Gerry Rice, Siddharth Tiwari, Jean-Claude Trichet,扎法尔·乌丁·马赫默德维拉·松圭埃里克·索尔海姆Zafar Uddin Mahmood, Vera Songwe, Erik Solheim,梁维特韦浩思大卫·赖特Leong Vai Tac, Jose Vinals, Sir David Wright,魏伯昂易小准容永祺祝宪Axel Weber, YI Xiaozhun,Samuel Yung Wing-ki, ZHU Xian,周汉民周延礼张继中ZHOU Hanmin, ZHOU Yanli, ZHANG Jizhong,凯拉特·克林贝托夫埃内斯托·塞迪略Kairat Kelimbetov, Ernesto Zedillo,安雅山马志刚让·克洛德·特里谢Ambassador Yasser Elnaggar, MA Zhigang, Jean-Claude Trichet,顾问委员会联合主席/ Co-Chair of Advisory Committee约翰·利普斯基让·克洛德·特里谢John Lipsky，Jean-Claude Trichet学术委员会联合主席/ Co-Chairs of Advisory Committee安顿·马斯凯特里赵忠秀Anton Muscatelli，ZHAO Zhongxiu,编委会/ Editorial Board张继中祝宪林建海宋敏ZHANG Jizhong, ZHU Xian, LIN Jianhai, SONG Min编辑部/ Editorial Department庄珏周鑫龚思铭Joanna Zhuang, ZHOU Xin，GONG Siming撰稿人/ Authors宋敏徐瑞峰SONG Min, XU Ruifeng地址/ Address中国北京市东城区东长安街1号东方广场W3座Oriental Plaza W3, Dongcheng District, Beijing, China邮编/ Post Code 100738Email / info@iff.org.cn版权声明/ Copyright Statement本刊内容由国际金融论坛（IFF）独家拥有，未经许可，不得转载或摘抄。The content of this publication is an exclusive property of the IFF, and may not bereproduced or excerpted without permission The International Financial Forum (IFF) is a non-profit, non-governmental, independent international organization. It wasfounded in October 2003 by G20 countries and internationalorganizations such as the United Nations, the World Bank, andthe International Monetary Fund. It is a high-level permanentinstitution for dialogue and multilateral cooperation in the fieldof global finance and is known as the ‘F20 (Finance 20).’The IFF advocates an international and market-orientedoperation mechanism to advance the supportive role of financein sustainable development through its platforms of strategicdialog, cooperation, communication, practice and innovation,research and training program.Upholding the spirit of “Comprehensive and SustainableDevelopment – New Capital, New Value, New World”, since thefounding in 2003, the International Finance Forum (IFF) has beencommitted to building itself into a world-class academic think-tankand multilateral dialogue platform with strategic insight.The International Finance Forum (IFF) operates based on anopen, transparent and fair mechanism to ensure its independence,objectivity, foresight and inclusiveness and to facilitate globalfinancial co-operation and exchanges. Through in-depth researchon global finance, IFF is committed to promoting sustainabledevelopment of China and the world economy. Our targets include:1. International Financial Strategic Dialogue Platform2. International Financial Cooperation & Exchange Platform3. International Financial Innovation & Practice Platform4. International Financial Strategic Think-Tank Platform5. International Financial Talents PlatformOur GoalsAbout IFFOur Mission In the age of the digital economy, digital currencieshave far-reaching and multidimensional meaning thatembodies their deep impact on the global financialsystem. In this great era, the global development of digitalcurrencies is moving forward at an unprecedented speed,marked by a profound change in the financial system.Not only are digital currencies a product of technologicalinnovation, but they are also an important driving forcebehind the digitalization of the global economy. Theyhave had a profound impact on traditional financialmodels, monetary policy, payment systems, and evennational sovereign currency systems.Analyzing and summarizing the development ofdigital currencies therefore has extremely importantmeaning. On the one hand, it helps one understandhow digital currencies are redefining the nature ofall currencies, challenging the traditional financialframework, and delivering new opportunities andchallenges for the global economy. On the other hand, italso provides precious insights for policymakers, financialinstitutions, and investors, helping them respond to therisks brought on by technological progress so that theycan formulate forward-looking strategies and achieveeconomic growth and financial stability. Not only doesin-depth analysis of digital currency related globaldevelopment trends give one a better grasp on the pulseof the current era, but it also provides theoretical supportand practical guidance for future financial innovation andglobal economi