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

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