【摘要】 央行数字货币跨境支付作为金融创新领域的重要探索，在全球经济数字化浪潮中具有关键作用。然而，其发展进程也面临着诸多监管挑战。在法律规范层面，存在法律地位界定模糊、交易规则缺失等问题，导致实践中缺乏明确指引；在监管主体方面，存在多部门协同困难，中央与地方监管职责不清的问题，难以形成有效监管合力；在技术监管方面，网络安全风险防范与新技术应用监管滞后，给金融稳定带来一定隐患。基于此，本文提出针对性的治理对策：完善相关法律规范，明确央行数字货币的法律地位与交易规则；合理界定监管主体权责；建立健全央行数字货币跨境支付的法律监管体系。本文旨在助力安全、有序运行数字货币跨境支付，促进金融创新与监管的良性互动，推动我国金融领域的健康发展。更多还原

【Abstract】 As an important innovation in the financial sector,cross-border payments using Central Bank Digital Currency (CBDC) play a crucial role in the global wave of economic digitalization.However,their development is accompanied by a series of regulatory challenges.At the legal level,issues such as the ambiguous legal status of CBDC and the absence of clear transaction rules have resulted in a lack of practical guidance.Regarding regulatory authorities,difficulties in interdepartmental coordination and unclear divisions of responsibilities between central and local regulators hinder the formation of an effective regulatory framework.In terms of technological supervision,insufficient regulation of emerging technologies and inadequate prevention of cybersecurity risks pose potential threats to financial stability.In response,this paper proposes targeted governance measures,including improving relevant legal norms,clarifying the legal status and transaction rules of CBDC,reasonably defining the powers and responsibilities of regulatory authorities,and establishing a sound legal regulatory system for CBDC cross-border payments.The study aims to promote the safe and orderly operation of CBDC cross-border payment systems,foster positive interaction between financial innovation and regulation,and support the healthy development of China’s financial sector.更多还原