人民币数字货币有哪些特点

1、法偿性

1. Compensability of the law

2、替代性

2. Alternatives

数字货币能替代现金M0，而且不对M1(M0 + 活期存款)和M2(M1+ 定期存款)产生功能干涉。

Digital currencies replace cash M0 and do not interfere functionally with M1 (M0 + current deposits) and M2 (M1 + time deposits).

3、运行性

3. Operationality

在央行、商业银行和居民之间构成两级关系，商业银行对央行提供100%的准备金，央行给予商业银行等额的数字货币，再由商业银行对居民兑换数字货币，保证了现有金融体系的基础架构的完整性。

There is a two-tier relationship between central banks, commercial banks and residents, with commercial banks providing 100 per cent of their reserves to central banks and central banks giving them the equivalent amount of digital currency, which in turn is converted by commercial banks to residents, guaranteeing the integrity of the basic architecture of the current financial system.

4、安全性

4. Security

运用严密的风控技术和货币模型，确保发币和转账的安全。

Use of tight wind control techniques and currency models to ensure the security of currency issuances and transfers.

5、非区块链性

5. Non-block chain

这次的数字货币没有采用去中心化的区块链技术，而是央行技术团队自己开发的基于中心化管制的基础技术架构，保证了数字货币同现有金融管理体系的无缝对接。

Instead of adopting decentralized block chain technology, this digital currency has been developed by the central bank's technical team itself as a basic technical architecture based on centralized regulation that ensures seamless interface between the digital currency and the existing financial management system.

6、离网性

6. Offline

数字货币形成了基于网络支付和基于非网络支付的两种模式，能够在有网和无网状态下完成交易支付。特别是在极端条件下如地震等自然灾害导致的断网和网银等支付网络瘫痪等情况下的使用。

Digital currencies form two models, one network-based and the other non-network-based, that enable transactional payments to be made in a network-based and non-net-based state. In particular, they are used under extreme conditions, such as the collapse of payment networks, such as earthquakes, and the collapse of web-based payments.

7、功能性

7. Functionality

第一期数字货币的功能与银行电子账户日常支付与管理功能基本一样，有“扫码支付”、“汇款”、“收付款”、“碰一碰”四大常用功能。

The functions of the first issue of digital currency are essentially the same as those of day-to-day payments and management of bank electronic accounts, with four common functions: “scanning payments”, “remittances”, “receipts” and “touching”.

8、升级性

8. Promotionality

目前这款数字货币是一款基础版，今后会随着使用环境条件的变化会出现持续性的升级版，这也是数字货币的一大特点。升级版的方向主要围绕“功能升级”、“网络升级”和“去中心化升级”。

The current digital currency is a basic version that will be continuously upgraded in the future as the conditions for its use change, a feature of the digital currency. The upgrade is mainly oriented around “functional upgrades”, “network upgrades” and “decentralization upgrades”.

9、国际开放性

International openness

通过三级加密，形成发币国家的央行主密码、系统随机的基本加密密码和发行国家央行私钥的加密密码，搭建一个可以允许其他国家基于央行数字货币公链上发行自己国家的数字货币的开放、开源新国际金融体系，这是中国数字货币金融走向世界的关键。

A new, open international financial system that allows other countries to distribute their country’s digital currency on the central bank’s digital public chain, through three levels of encryption, the creation of central bank codes for currency-giving countries, the system’s random basic encryption codes and the issuance of national central bank’s private keys, is the key to China’s digital monetary finance worldwide.

10、金融影响性

10. Financial impact

中国的数字货币将对金融流通体系产生影响，对银行金融机构产生影响，对金融监管体系产生影响，对货币传导机制产生影响，对国际金融体系产生深刻的影响。

China's digital currency will have an impact on the financial flow system, on banking and financial institutions, on the financial regulatory system, on the money transmission mechanism and on the international financial system.