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数字人民币也不纳入破产胦产？_电脑报在U?/title>
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数字人民币也不纳入破产胦产？
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<li>2022/9/16 9:14:52</li>
<li>cdQ原?/li>
<li>来源Q?span>电脑?/span></li>
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【电脑报在线】随着使用场景的增多，ZҎ字h民币的关注度也在持箋提升中…?
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<div class="rich_media_content autoTypeSetting24psection " id="js_content" style="margin: 0px; padding: 0px; outline: 0px; overflow: hidden; color: rgb(34, 34, 34); font-size: 17px; overflow-wrap: break-word; text-align: justify; position: relative; z-index: 0; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible;"><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 14px; color: rgb(136, 136, 136); visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">随着使用场景的增多，ZҎ字h民币的关注度也在持箋提升中…?/span></span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;" /></p><section label="Copyright 2018 iPaiban All Rights Reserved Q本样式已做版权保护Q未l正式授权不允许MW三方编辑器、企业、个Z用，q者必U）" donone="shifuMouseDownPayStyle('shifu_qmi_021')" style="margin: 0.5rem auto; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-family: 微Y雅黑, "Microsoft YaHei"; font-size: 16px; text-align: start; width: 612.3px; border-width: initial; border-style: none; border-color: initial; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 612.3px; text-align: center; visibility: visible;"><section style="margin: 0px; padding: 0px 0px 2px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-bottom: 2px solid red; display: inline-flex; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-bottom: 1px dashed red; display: inline-flex; font-size: 1rem; visibility: visible;"><p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(51, 51, 51); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 15px; text-align: justify; visibility: visible;">不受“零Ҏ则”媄响的数字人民?/span></span></p></section></section></section></section><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(0, 0, 0); font-family: 微Y雅黑, "Microsoft YaHei"; font-size: 16px; line-height: 1.75em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; visibility: visible;">中国人民银行数字货币研究所所长穆长春在第十一届中国支付清论坛上表示Q数字h民币属于Ҏ动Q同时数字h民币也是典型的消费物?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; visibility: visible;">“即便运营机构破产，用户钱包内的数字人民币也不纳入破产胦产，不受‘零Ҏ则’媄响。此外，数字人民币是央行货币Q央行是动性的最l提供者，使用央行货币q行货币l算可以更好的保障结最l性。”穆长春?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; visibility: visible;">所谓“零Ҏ则”，是指破宣告从破产宣告之日的零时起开始生效的破法规则，所产生的后果是当日凌晨臛_告破产时q段旉内的所有交易都是无效交易?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">I长春强调，数字人民币天然具有结最l性，不受“零Ҏ则”的影响Q具有法律确定性。这是因为数字h民币h物权属性，用户享有钱包内数字h民币的所有权Q用户钱包内的数字h民币不属于运营机构资产，不计入运营机构的资负。同Ӟ从数字h民币pȝ层面看，一旦支付指令通过有关pȝ验证Q便h无条件执行和不可撤销的特点，支付l算完成的时点即为所有权转移完成的时刻，保证了支付结的最l性?/span></p><p style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"><br /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">数字人民币试点启动以来，已经在批发零售、餐饮文旅、教育医疗、公共服务等领域形成了一大批늛U上U下的应用模式。对于数字h民币未来的发展，人民银行副行长范一飞近日透露Q要推进数字人民币体pȝ标准化徏设，实现数字人民币体pM传统电子支付工具的互联互通，让消费者可以“一码通扫”，商户也不用增加成本即可支持各cL付工兗?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">范一飞说Q目前，数字人民币生态体pd讑֏得了阶段性成果。实践证明，“双层运营”架构是构徏开攑֞数字人民币生态的最优方案。一斚wQh民银行通过实施中心化管理保证对货币发行和货币政{的调控能力Q另一斚wQh民银行ؓ商业机构提供开放、中立、可信与E_的基设施。在此过E中Q既要充分尊重市律，也不能忽略“公共品”这个基本属性?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">范一飞表C，Z实现数字时代的“钱同币、币同Ş”，要从信息交互、业务流E、技术规范等l度加快推进数字人民币体pȝ标准化徏设?/span></p><p style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"><br /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">具体来讲Q要推动数字w䆾、报文规范、二l码制、蓝牙和 NFC {方面规范和标准的统一Q实现数字h民币体系与传l电子支付工L互联互通，让消费者可以“一码通扫”，商户也不用增加成本即可支持各cL付工兗此外，为避免用户信息泄Ԍ消除数据安全隐患Q也需要统{组l各方对相关技术进行升U加固，提升安全防护水^Q保障支付的安全便捷?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><section label="Copyright 2018 iPaiban All Rights Reserved Q本样式已做版权保护Q未l正式授权不允许MW三方编辑器、企业、个Z用，q者必U）" donone="shifuMouseDownPayStyle('shifu_qmi_021')" style="margin: 0.5rem auto; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-family: 微Y雅黑, "Microsoft YaHei"; font-size: 16px; text-align: start; width: 612.3px; border-width: initial; border-style: none; border-color: initial; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 612.3px; text-align: center;"><section style="margin: 0px; padding: 0px 0px 2px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-bottom: 2px solid red; display: inline-flex;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-bottom: 1px dashed red; display: inline-flex; font-size: 1rem;"><p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(51, 51, 51); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-align: justify; font-size: 14px;">“子钱包”改名“钱包快付?/span></span></p></section></section></section></section><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(0, 0, 0); font-family: 微Y雅黑, "Microsoft YaHei"; font-size: 16px; text-align: start; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">与此同时Q经q一D|间的沉淀后，iOS和安卓两个^台的数字人民币（试点版）App都进行了升Q将“子钱包”改名ؓ了“钱包快付”，q进行了一些优化?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">更新内容Q?/span></span></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; color: rgb(136, 136, 136);">·“子钱包”改名“钱包快付”啦Q好记更好懂</span></span></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; color: rgb(136, 136, 136);">·可在 [我的]-[钱包快付理] 使用原“子钱包”功?/span></span></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; color: rgb(136, 136, 136);">·[我的] ?[服务] 面优化Q功能分cL清晰</span></span></p><p style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"><br /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">数字人民币可向商h送“子钱包”，用户可通过数字人民币（试点版）App 向各U子钱包转̎Q从而用于各U支付场景，改名ؓ“钱包快付”?/span></p><p style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"><br /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">目前数字人民币已l拓展到 15 个省市的 23 个地区。下一步，人民银行稳妥有序扩大试点范_加强场景和应用创斎ͼ开展重大问题研IӞl箋深化国际交流合作?/span></p><p style="margin: 5px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;" /></p><p style="margin: 0em 0.5em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;">中国人民银行介绍Uͼ数字人民币试点现已拓展到 15 个省市的 23 个地区，而且深圳、苏州、雄安新区、成?4 个地方取消了白名单限Ӟq吸收兴业银行作为新的指定运营机构。除此之外，上v、v南、长沙、西安、青岛、大q、北京、张家口{地也有开展试点工作?/span></p><section style="margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 14px; color: rgb(136, 136, 136);"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">~辑｜张?/span></span></section></div>
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