随着数字经济时代的到来，移动支付走进了千家万户。为了顺应中国数字经济时代需求，数字人民币应运而生。由中国人民银行发行的我国法定数字货币，具有法定性、数字性及可控匿名性的特征，让数字人民币具备零手续费、快速流通的优势。建立数字人民币支付体系，对内可以防止洗钱、逃税、诈骗等金融犯罪，对外有望打破美元的霸权，为全世界提供一个可信、公平、公正、透明的金融平台，降低外部的恶意制裁。数字人民币将借助互联网时代的优势，助推人民币走向国际化。数字人民币的背后，折射出中国数字经济的蓬勃发展。数字人民币不仅具有国家战略意义，还为跨境交易提供了新选择。本文发现，与传统的国际支付工具相比，数字人民币跨境支付有诸多优势，如提高跨境支付效率、降低跨境支付成本、加强货币监管能力、打破美元霸权、促进全球金融稳定等。但由于数字人民币尚处于起步阶段，关于其法律法规仍比较缺乏，尤其缺少涉及数字人民币跨境支付具体规则，面临着国内法律地位不明确、监管制度不完备、运行机制不清晰的挑战，缺乏法律支撑和监管政策；国际层面受到货币主权冲突、美元霸权制约、国际标准不同等阻碍。
本文认为，为保障数字人民币跨境支付的发展，有必要在现有法律体系下构建数字人民币跨境支付法律体系，从法律层面明确其地位、功能和边界，建立相关配套机制，以确保其平稳运行。具体而言，应构建以立法为核心的数字人民币跨境支付国内法律体系，以法律形式明确“法币身份”、制定数字人民币监管合规机制、完善数字人民币运行机制；并构建以合作共赢为核心的数字人民币跨境支付国际法律体系，单独设立相关清算结算系统、重视合规性与法律合作、积极参与国际标准制定。未来，随着数字人民币不断完善和普及，数字人民币跨境支付法律体系可以从法律层面保障其在跨境支付领域发挥重要作用。
 

With the advent of the digital economy era, mobile payment has entered thousands of households. Digital Currency Electronic Payment came into being in response to the needs of China's digital economy era. Issued by the People's Bank of China, China's legal tender digital currency has the characteristics of legality, digitality and controllable anonymity, which gives Digital Currency Electronic Payment the advantages of zero handling fee and fast circulation. The establishment of Digital Currency Electronic Payment system can prevent money laundering, tax evasion, fraud and other financial crimes internally, and externally it is expected to break the hegemony of the US dollar, provide the world with a credible, fair, just and transparent financial platform, and reduce the malicious sanctions from the outside. Digital Currency Electronic Payment will take advantage of the Internet era to boost the RMB towards internalisation. Behind Digital Currency Electronic Payment reflects the booming development of China's digital economy. Digital Currency Electronic Payment not only has national strategic significance, but also provides new options for cross-border transactions. This thesis finds that Digital Currency Electronic Payment cross-border payments have many advantages over traditional international payment tools, such as improving cross-border payment efficiency, reducing cross-border payment costs, strengthening currency regulatory capacity, breaking the hegemony of the US dollar, and promoting global financial stability. However, as Digital Currency Electronic Payment is still in its infancy, laws and regulations about it are still relatively lacking, especially the lack of specific rules involving Digital Currency Electronic Payment cross-border payment, facing the challenges of unclear domestic legal status, incomplete regulatory system, unclear operation mechanism, and the lack of legal support and regulatory policies; and being hindered by the conflict of currency sovereignty, constraints of US dollar hegemony, and differences in international standards at the international level.
This thesis argues that in order to safeguard the development of Digital Currency Electronic Payment, it is necessary to construct a legal system for Digital Currency Electronic Payment under the existing legal system, to clarify its status, functions and boundaries at the legal level, and to establish relevant supporting mechanisms to ensure its smooth operation. Specifically, a domestic legal system for Digital Currency Electronic Payment should be constructed with legislation as the core, clarifying the ‘fiat currency status’ in the form of law, formulating Digital Currency Electronic Payment regulatory compliance mechanism, and perfecting Digital Currency Electronic Payment operation mechanism; and an international legal system for Digital Currency Electronic Payment should be constructed with cooperation and win-win co-operation as the core, setting up a separate relevant clearing and settlement system, attaching importance to compliance. It will also build an international legal system for digital RMB cross-border payments centred on win-win cooperation, set up a separate clearing and settlement system, attach importance to compliance and legal cooperation, and actively participate in the formulation of international standards. In the future, with the continuous improvement and popularisation of Digital Currency Electronic Payment, the legal system of Digital Currency Electronic Payment cross-border payment can guarantee its important role in cross-border payment from the legal level.