央行的数字货币是什么？

中文：

随着科技的发展，数字货币逐渐成为了全球金融领域的新热点。而央行数字货币，作为国家层面的法定数字货币，更是备受瞩目。那么，央行的数字货币是什么呢？

央行数字货币，也称为中央银行数字货币（CBDC），是由中央银行发行和管理的数字货币。与传统的纸币和硬币不同，央行数字货币是基于区块链技术的全新货币形态，具有去中心化、可追溯、安全性高等特点。

央行数字货币的推出，旨在提升金融系统的效率和便捷性，降低交易成本，同时也为货币政策制定提供了更多的数据支持和灵活性。此外，央行数字货币的发行也有助于防范金融风险，加强金融监管，维护金融稳定。

目前，全球范围内已有多个国家和地区开始探索央行数字货币的发行和应用。未来，随着技术的不断成熟和应用场景的拓展，央行数字货币有望成为全球金融体系的重要组成部分，为经济发展和金融创新注入新的动力。

英文：

What is the Central Bank's Digital Currency?

With the advancement of technology, digital currencies have gradually become a new hotspot in the global financial sector. Among them, central bank digital currencies (CBDCs), as the legal digital currencies issued by national authorities, have garnered significant attention. So, what exactly are central bank digital currencies?

Central bank digital currencies, also known as CBDCs, are digital currencies issued and managed by central banks. Unlike traditional paper notes and coins, CBDCs are a new form of currency based on blockchain technology, offering decentralization, traceability, and high security.

The introduction of CBDCs aims to enhance the efficiency and convenience of the financial system, reduce transaction costs, and provide more data support and flexibility for monetary policy making. Additionally, the issuance of CBDCs also helps prevent financial risks, strengthen financial regulation, and maintain financial stability.

Currently, several countries and regions worldwide have begun exploring the issuance and application of CBDCs. In the future, with the continuous maturation of technology and the expansion of application scenarios, CBDCs are expected to become an essential component of the global financial system, injecting new momentum into economic development and financial innovation.