中国–东盟央行数字货币的合作与发展
Cooperation and Development of Central Bank Digital Currencies (CBDC) between China and ASEAN

随着数字金融的发展，一些国家开始研究发展自己的央行数字货币(CBDC)，希望在提升数字金融服务水平的同时，保持主权货币的合法地位，进一步推动贸易升级。随着中国–东盟自由贸易区建设的深入推进和《区域全面经济伙伴关系协定》的全面实施，中国与东盟国家跨境金融合作程度逐步深化，为CBDC的合作发展提供了丰富的业务应用场景。本文对CBDC项目和中国–东盟多边货币合作进行分析，针对中国–东盟自贸区下开展CBDC的合作在未来面临的挑战，提出央行数字货币合作是一个系统性过程，需要注重与不同国家的协调发展，并完善和加强相关监管机制。中国可以通过中国–东盟自贸区将CBDC合作扩展至其他国家，从而推动电子人民币国际化。
With the development of digital finance, several countries have begun developing their own Central Bank Digital Currencies (CBDCs), aiming to enhance digital financial services while maintaining the legal status of their sovereign currencies and further promoting trade upgrades. As the construction of the China-ASEAN Free Trade Area deepens and the Regional Comprehensive Economic Partnership (RCEP) is fully implemented, cross-border financial cooperation between China and ASEAN countries has steadily intensified, providing abundant business application scenarios for the cooperative development of CBDCs. This article analyzes CBDC projects and multilateral currency cooperation between China and ASEAN, highlighting the challenges that may arise in the future of CBDC cooperation under the China-ASEAN Free Trade Area. It suggests that CBDC cooperation is a systemic process requiring coordinated development among different countries, alongside the improvement and strengthening of relevant regulatory mechanisms. China can leverage the China-ASEAN Free Trade Area to extend CBDC cooperation to other nations, thereby promoting the internationalization of the digital RMB.