新疆财经

新疆财经 ›› 2025, Vol. 0 ›› Issue (1): 40-50.DOI: 10.16716/j.cnki.65-1030/f.2025.01.004

• 金融观察 • 上一篇    下一篇

扎根理论视角下数字人民币生态圈利益相关者互动机制研究

施志晖1, 杜苏迪2, 陆岷峰3   

  1. 1.江苏苏商银行，江苏 南京 210003
    2.三江学院，江苏 南京 210009
    3.上海大学，上海 200444
  • 收稿日期:2024-11-12 出版日期:2025-02-25 发布日期:2025-04-24
  • 作者简介:施志晖（1980—），男，江苏苏商银行金融科技实验室正高级工程师，研究方向为数字技术、金融、风险管理；
    杜苏迪（1996—），女，三江学院法商学院助教，研究方向为数字金融、财务管理；
    陆岷峰（1962—），男，经济学博士，上海大学上海科技金融研究所（上海市软科学研究基地）教授，研究方向为宏观经济、商业银行、中小企业。
  • 基金资助:
    国家社会科学基金一般项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(21BJY022);国家社会科学基金一般项目“基于区块链技术的供应链金融共生融资模式与协同决策研究”(20BGL009)

A Study of Interaction Mechanism of Stakeholders in the Digital RMB Ecosystem from the Perspective of Grounded Theory

SHI Zhihui1, DU Sudi2, LU Minfeng3   

  1. 1. Jiangsu Merchant Bank, Nanjing 210003, China
    2. Sanjiang University, Nanjing 210009, China
    3. Shanghai University, Shanghai 200444, China
  • Received:2024-11-12 Online:2025-02-25 Published:2025-04-24

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摘要：

随着数字经济的快速发展，数字人民币作为我国金融科技创新的重要成果，其对提高支付系统效率、加强金融安全、保护隐私等意义愈显重大。文章基于扎根理论的研究方法，结合数字人民币试点项目、政策文件和调研资料，构建了数字人民币生态圈利益相关者互动机制模型，并探讨可行的互动方式。研究表明：政策支持、技术创新、市场适应性、金融机构适应性和行业效益是影响数字人民币利益相关者互动的重要因素，技术创新是促进利益相关者良性互动的核心动力。今后可从服务优化、研发推广和系统共建三大方向，进一步促进数字人民币生态圈利益相关者良性互动。

关键词: 数字人民币, 扎根理论, 技术创新, 生态圈, 利益相关者, 互动机制

Abstract:

With the rapid advancement of the digital economy, the digital RMB emerges as a significant achievement in China's financial technology innovation. It plays a critical role in enhancing the efficiency of the payment system while bolstering financial security and privacy protection. This paper employs the grounded theory to investigate the interaction mechanisms among stakeholders within the digital RMB ecosystem. The study integrates analyses of digital RMB pilot projects, policy documents, and research data to develop a model that elucidates the interaction mechanisms of stakeholders in this ecosystem and identifies viable interaction pathways. The findings indicate that policy support, technological innovation, market adaptability, the adaptability of financial institutions, and industry benefits are fundamental components of stakeholder interaction concerning the digital RMB. Notably, technological innovation serves as the primary driving force facilitating positive interactions among stakeholders. Based on this, the paper proposes strategic recommendations to foster the positive interaction within the digital renminbi ecosystem, focusing on three key directions: service optimization, technological innovation, and ecosystem co-construction.

Key words: digital RMB, grounded theory, technological innovation, ecological circle, stakeholders, interaction mechanism

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