Abstract:Since the People’s Bank of China launched the pilot work of digital RMB in mid-2021, under the joint action of technological innovation and market demand, the digitalization of legal tender will have an important impact on China's financial system and settlement system. However, while improving transaction efficiency, saving transaction costs and promoting the internationalization of RMB, it also produces financial risks such as personal information leakage, such as the risk of information leakage and power abuse of the regulatory layer, the risk of information processing of the trading layer, and the risk of transaction information leakage and secondary infringement of the application layer. Financial supervision has always been the core way to prevent financial risks, which can effectively make up for the shortage of supply system in laws and regulations. Therefore, it is necessary to timely improve the legislation at the institutional level, adopt advanced regulatory scientific and technological means, and improve the informed consent rules, so as to provide a good institutional reference and practical basis for the national level. |