重庆文理学院学报(社会科学版)

在全球数字化浪潮和地缘政治博弈日益加剧的背景下，央行数字货币（CBDC）被广泛视为重构跨境支付体系的重要工具。以Jasper-Ubin、Stella与mBridge等国际合作试点为代表，当前CBDC跨境应用主要呈现3种路径类型：双边互联、桥接对接与平台集成。这些路径体现了不同国家在技术互操作、制度协调与治理结构演进方面的探索成果。尽管技术试验初步验证了CBDC跨境支付的可行性，但在实际推广过程中仍面临诸多深层挑战，尤其表现为反洗钱与身份识别标准不统一、法律适用规则差异显著、数据跨境流动受限，以及治理理念和意识形态分歧等问题，制约了CBDC在跨境场景下的规模化应用与系统性构建。为有效应对上述难题，应以CBDC跨境支付体系建设为契机，推动构建多边共识驱动、制度兼容可调、具备灵活审慎监管能力的数字货币治理秩序。我国可依托mBridge项目中的制度参与与技术嵌入优势，持续推动数字人民币在跨境支付体系中的应用拓展，逐步构建具有自主性与全球影响力的数字货币结算网络。

Against the backdrop of the global digitalization wave and increasing geopolitical games, central bank digital currencies(CBDC) are widely regarded as an important tool for reconstructing the cross-border payment system.Represented by international cooperation pilots such as Jasper-Ubin, Stella and mBridge, the current cross-border application of CBDC mainly presents three types of paths: bilateral interconnection, bridge docking and platform integration. These paths reflect the results of different countries' exploration in technical interoperability, institutional harmonization and governance structure evolution. Although technical experiments have preliminarily verified the feasibility of CBDC cross-border payments, it still faces many deep-seated challenges in the process of actual promotion,especially the non-uniformity of anti-money laundering and identification standards, significant differences in the application of legal rules, restricted cross-border flow of data, as well as divergence in governance concepts and ideologies, which have seriously constrained the large-scale application of CBDC in cross-border scenarios and the systematic construction of CBDC. In order to effectively deal with the above difficulties, the construction of CBDC crossborder payment system should be taken as an opportunity to promote the construction of a multilateral consensus-driven,system-compatible and adjustable digital currency governance order with flexible and prudent regulatory capabilities.Relying on the advantages of institutional participation and technological embedding in the mBridge program, China can continue to promote the expansion of the application of digital RMB in the cross-border payment system, and gradually build a digital currency settlement network with autonomy and global influence.