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数字人民币（英文简称 e-CNY）是由中国人民银行发行的数字形式法定货币，与实物人民币等值，具有价值特征、法偿性和可控匿名性。它属于人民币的数字化形态，由中央银行直接发行并管理，采用“中心化管理、双层运营”体系。 数字人民币主要用于零售支付场景，支持扫码、碰一碰、网络支付等多种方式，具有支付即结算、低成本、高效率、安全可控等特点。它不支付利息，定位为现金（M0）的数字化替代，旨在提升支付便利性、服务实体经济、推动普惠金融，并为数字经济发展提供基础支撑。 目前，数字人民币已在多个城市和场景试点应用，覆盖生活缴费、交通出行、购物消费、政务服务等领域，正逐步走向更广泛的使用。