关键词: 中国式现代化, 数字人民币, 央行数字货币, 数字经济

Abstract: At present, the E-CNY has become a key element to be further studied in the process of Chinese-style modernization. Moreover, against the backdrop of the theoretical development and practice evolution of Chinese-style modernization, the issuance and circulation of digital RMB and the construction of related mechanisms face both opportunities and challenges. This article summarizes five approaches to promoting E-CNY in the Chinese-style modernization: providing micro foundation for macro decision-making, improving the effectiveness of monetary policy and its coordination with fiscal policy, raising the quality and efficiency of inclusive finance, promoting the development of green finance, and accelerating the internationalization of RMB. These approaches correspond with the basic characters of Chinese-style modernization. During the period of important strategic opportunities, important sources of opportunities include the requirements of Chinese modernization for digital economy, the irreversible trend of RMB internationalization and the digital wave of service trade. On the other hand, the limited level of financial modernization and financial supervision, China's unbalanced and inadequate overall development, insufficient domestic demand for platform-based payment, and uncertain factors existing in international competition pose challenges to the issuance and circulation of E-CNY. Based on this, China should enhance the quality of technological innovation of digital currency, explore systems and mechanisms that conform to the basic characteristics of China's current stage of modernization as well as the general logic of digital economy. Meanwhile, close attention and concrete response should be given with respect to the conditions and factors influencing the comprehensive effect of E-CNY.

Key words: Chinese-style modernization, the E-CNY, central bank digital currency, digital economy