数字人民币，英文名为Digital RMB，具体是指由中国人民银行发布的、以数字形式发行的法定货币。在实际的经济市场中，数字货币是同纸币以及硬币等价的。从2019年开始，数字货币已经相继在中国深圳、苏州、程度等等地区进行了试点。
Digital renminbi, known in English as Digital RMB, is the legal currency issued by the People’s Bank of China and issued in digital form. In real economic markets, digital currency is the equivalent of banknotes and coins. Since 2019, digital currency has been piloted in China’s Shenzhen, Suzhou, and so on.
数字人民币的概念有两个重点，一个是数字人民币是数字形式的法定货币；另外一个点是和纸钞和硬币等价，数字人民币主要定位于M0，也就是流通中的现钞和硬币。它将与实物人民币长期并存，主要用于满足公众对数字形态现金的需求，助力普惠金融。
The concept of the digital renminbi focuses on two main points: the digital renminbi is the legal currency in digital form; and the other is the equivalent of banknotes and coins, which are mainly located in M0, i.e. cash and coins in circulation. It will coexist with the in-kind renminbi for a long time, and will be used primarily to meet public demand for cash in digital form and to support inclusive finance.
在实际生活中，数字人民币具有法定的偿还能力，同比特币等等加密货币有着本质的区别。因为数字人民币是由中国人民银行统一发行的法定货币，而比特币等加密货币仅仅是一种虚拟资产，所以它没有任何价值基础，也不享受任何主权信用担保，无法保证价值稳定。而这就是央行数字货币与比特币等加密资产的最根本区别。
In real life, the digital renminbi has a legal solvency, which is fundamentally different from encrypted currencies such as Bitcoin. Because the digital renminbi is a legal currency issued by the People’s Bank of China in a unified fashion, and an encrypted currency such as Bitcoin is only a virtual asset, it has no value base, does not enjoy any sovereign credit guarantees, and does not guarantee value stability.
需要注意的是，数字人民币采取了双层运营体系，所以中国人民银行将不会对社会公众直接发行数字人民币，而是需要公众向指定的机构进行兑换才可以。
It should be noted that since the digital renminbi operates in a two-tier system, the People's Bank of China will not issue the digital renminbi directly to the public, but will need to exchange it with the designated institutions.
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