摘要：

根据修正的国家理论，数字人民币具有抽象的财产权力，可以作为一种支付工具，用于清偿金钱之债。在法偿性方面，在私人间的债务关系中，数字人民币可以不进入当事人的债务关系，允许当事人自主选择。相反，数字人民币用于清偿公法之债时必须具有无限法偿性，排除行政机关的自主选择。数字人民币超越了既有的电子支付方式，并可以通过智能合约，结合自动划账、封金、信托等法律结构，发挥多样化的货币功能。数字人民币支付费用的承担，取决于当事人的合意。另外，必须准用《电子商务法》第 57 条，在用户、加害人与商业银行等主体间分配数字人民币的非授权支付责任。

关键词:

数字人民币, 法偿性, 智能合约, 自动划账, 非授权支付

Abstract:

According to the revised state doctrine, e-CNY possesses abstract property rights and can serve as a payment instrument for settling monetary debts. In terms of legal tender, e-CNY allows parties in private debt relationships to choose their preferred payment instrument, without necessarily involving e-CNY directly. However, when e-CNY is used to settle debts arising under public law, it must have unlimited legal tender, thereby excluding the autonomous choice of administrative authorities. E-CNY surpasses existing electronic payment methods and through the utilization of smart contracts and legal frameworks such as automatic transfers, blocked deposits, and trusts, it exhibits diverse monetary functions. The allocation of e-CNY payment costs depends on the agreement between the parties. Additionally, Article 57 of the E-Commerce Law must be applied accordingly to distribute the responsibility for unauthorized e-CNY payments among users, aggrieved parties, and commercial banks.

Key words:

e-CNY,  legal tender,  smart contract,  automatic transfer,  unauthorized payment