人民币汇率波动数字化 播放数字人民币的汇率
1. 人民银行支持数字人民币价值
2020年12月9日，***人民银行通过对第二层机构的监管以及发行准备和资本充足率等方面要求，支持数字人民币的价值。
1.1 数字人民币的价值背书China's central bank is endorsing the value of digital RMB by regulating second-tier institutions and ensuring sufficient capital and issuance readiness.
2. 第二层机构与人民银行的关系
第四，第二层机构负责数字人民币用户的KYC。
2.1 KYCThe second-tier institutions are responsible for the Know-Your-Customer process for users of digital RMB.
3. **金管局调整港币对美元汇率浮动空间
2005年5月18日,**金管局将港币对美元汇率浮动空间扩大到7.75港币至7.85港币兑1美元。
3.1 引入强方兑换保证Hong Kong Monetary Authority introduced strong-side conversion guarantee in relation to the USD-HKD exchange rate.
4. 数字人民币与人民币国际化
数字人民币的发行将主要促进我国零售端支付体系的改革，对人民币国际化的推动作用微乎其微。
4.1 我国零售端支付体系改革The issuance of digital RMB is primarily aimed at reforming the retail payment system in China, rather than promoting the internationalization of the RMB.
5. 央行数字货币作为金融科技发展成果
央行数字货币作为金融科技的代表性发展成果已然成为了社会各界关注的焦点。
5.1 CBDC研发工作Central Bank Digital Currency (CBDC) as a representative achievement of financial technology has attracted significant attention globally, leading to the initiation of CBDC research and development work in many countries.
6. 数字人民币具有双重特征
数字人民币具有联系汇率制和间接型CBDC的特征。
6.1 指定运营机构The designated operating institutions for digital RMB are akin to the issuance banks under the linked exchange rate system.
7. 法定数字人民币对人民币国际化的影响
法定数字人民币将对国内金融体系和信用机制产生深远影响。
7.1 金融体系与信用机制The introduction of legal tender digital RMB will have far-reaching implications on China's domestic financial system and credit mechanisms.
8. 风险与约束
数字人民币在发展过程中也面临着多重风险与约束。
8.1 法律和制度建设To mitigate risks associated with the development of digital RMB, there is a need to enhance legal and institutional frameworks governing its implementation.