关键词:
数字货币
国际贸易
金融科技
摘要:
随着数字经济的蓬勃发展,数字货币作为金融科技领域的一项重要创新,正在逐步改变传统的支付、结算和融资方式。文章分析了数字货币提高支付效率、降低交易成本、促进贸易融资和消除汇率转换复杂性的潜力,考察了数字货币的匿名性和去中心化特性给监管带来的新挑战,以及对现有金融法规和国际合作机制的影响。通过探讨数字货币在国际贸易中的应用及其挑战,可以看出,为了有效应对这些挑战,金融机构、政府和监管机构必须加强合作,共同寻找数字货币规范应用的有效途径,确保金融市场的稳定性和持续发展。With the robust growth of the digital economy, digital currency, as a significant innovation in the field of financial technology, is progressively transforming traditional methods of payment, settlement, and financing. The article analyzes the potential of digital currency to enhance payment efficiency, reduce transaction costs, promote trade financing, and eliminate the complexities of currency exchange. It also examines the new regulatory challenges posed by the anonymity and decentralization of digital currency, as well as its impact on existing financial regulations and international cooperation mechanisms. By discussing the application of digital currency in international trade and its challenges, it becomes evident that to effectively address these challenges, financial institutions, governments, and regulatory agencies must strengthen their collaboration to jointly find effective ways to regulate the application of digital currency, ensuring the stability and sustainable development of the financial market.