Due to the development of the Internet industry, payment methods emerge one after another, especially the rise of cryptodigital currencies such as
Bitcoin and Ethereum. As a result, central banks all over the world have been paying close attention to the research of digital currency.
According to the results of a survey conducted by the Bank for International Settlements on 66 central banks around the world in January 2020, 80%
are studying digital currencies and 10% are about to issue central banks' digital currencies,which is to reduce the impact of other forms of payment on
the country's traditional financial system, improve the efficiency and competitiveness of the monetary system and promote the development of electronic
CBDC’s China's version is described as digital RMB ,(we call it DCEP, Digital Currency Electronic Payment), issued by the People's Bank of China,
operated by designated operating institutions and exchanged to the public. Based on the generalized account system, CBDC supports loose coupling
function of bank accounts, which is equivalent to banknotes and coins, and is a controllable and anonymous payment tool with value characteristics
and legal compensation.