Radical Changes and Opportunities on the Labor Market in the Age of AI
Introduction
In recent years, technology of artificial intelligence (AI) has been developing rapidly. From the AlphaGo’s victory over the world champion in Go to the emer gence of ChatGPT artificial intelligence keeps exceeding our expectations. AI is no longer a matter of science fiction, it has actually entered our life and is profoundly changing the world. As an important driver of social development, the labor market inevitably faces the wave raised by artificial intelligence. On one hand, there is a risk of traditional job replacement; on the other hand, new professions and opportunities are emerging. The article considers changes and opportunities on the labor market in the age of artificial intelligence and suggests response strategies.
1. Changes on the labor market under the impact of artificial intelligence
(1) Adjustment of the employment structure
Reduction in the number of low skilled jobs. Along with the spread of artifi cial intelligence technology, low skilled routine jobs are being gradually replaced with automated systems. Workers on production lines, call center operators in the service sector, as well as junior data analysts are facing the risk of being replaced. According to McKinsey Global Institute, approximately 50% of professions will be gradually replaced with artificial intelligence from 2030 to 2060. Demand for high skilled jobs is likely to increase. AI technology development will soar the demand for high skilled creative labor. The future labor market will value unique human characteristics, such as innovative thinking, critical thinking, and interpersonal communication skills.
(2) Emergence of new professions
Along with the development of artificial intelligence technology, there will emerge multiple new professions, especially in the area of AI and at the intersec tion of different industries. Popular technical specialties will include such profes sions as AI-trainer, data scientist, and algorithmic engineer. These positions require not only profound technical knowledge, but also understanding of human needs and social problems. AI-trainers ensure data markup and analysis in order to opti mize operations of artificial intelligence systems and improve user experience. Data scientists are focused on extracting valuable information from large amounts of data and they provide support for decision making. Besides, deep integration of AI in various industries promotes the emergence of interdisciplinary profes sions. Medical data analysts use AI to process medical images and patients’ data and to help doctors with diagnostics; intelligent investment consultants apply AI algorithms to provide clients with accurate investment recommendations; ethical AI auditors assess artificial intelligence systems in terms of ethical risks to ensure compliance with regulatory requirements. These professions require broad knowl edge and skills in different fields, as well as the ability to combine AI technology with the needs of particular industries. Development of artificial intelligence also promotes transformation of tradi tional professions. For example, the service sector is facing a shift from call cen ter operators to intelligent chatbot trainers. Such experts as accountants and legal assistants also use AI tools to improve their performance. This trend suggests that the future of the labor market will feature closer integration of technology and humanitarian skills. Experts will require continuous training and adaptation in order to successfully exploit the opportunities provided by AI and to solve new challenges.
(3) Human-machine cooperation is becoming the main trend
Regardless of the impressive abilities of artificial intelligence in many areas, it is still not a universal solution. In essence, AI is a tool meant to support humans in their activities, and not to replace them. Human-AI cooperation is likely to become the main trend on the future labor market. For example, consider design industry. AI can quickly generate preliminary design sketches and offer various styles and variants for revision. However, AI generated content often lacks unique emotional and creative expression, and final design solutions and creative enrichment shall be still provided by human design ers. Such mode of cooperation not only improves efficiency of the work, but also allows designers to focus on more creative tasks. In medical industry, AI can ana lyze enormous amounts of medical images and data on disease cases and provide doctors with diagnostic recommendations, however, the final decision on treat ment still has to be made by a doctor based on their clinical experience and needs of the patient. Such model of human-machine cooperation improves diagnostics efficiency, as well as maintains “human warmth” and professionalism in medical service. AI devel opment resulted in the emergence of multiple new professions, such as AI training expert, AI ethics consultant, algorithm maintenance engineer, etc. These positions are focusing on AI model optimization, ethical control, and data management and they provide people with more opportunities for work in creative, managerial, and high skilled areas. In future, human-AI relations will gradually develop from mere use of the tools towards more profound symbiotic cooperation. AI will become an intelligent helper for people helping them to optimize time management and task fulfilment. In financial sector, AI will be able to analyze market trends and provide investors with accurate recommendations for decision making. In education, AI will be able to create customized educational programs for students, while professors will focus on development of their creative abilities and critical thinking. AI is not a compet itor for humans, but their powerful partner. Through reasonable management of AI development people will use it as a tool to reveal their own potential and improve performance, while retaining indispensable advantages in the area of creativity and ethical judgment. Joint human-AI work will become the key model to promote social development and technological progress.
2. Opportunities offered by artificial intelligence
(1) New professions and opportunities in high paying industries
In modern digital era, demand for artificial intelligence technology in high paying industries is continuously growing. Financial sector, public healthcare, and production become the leading platforms for AI implementation. For exam ple, consider financial sector. AI technology is widely used in such areas as risk assessment, automated investment consulting, and fraud combating. This doesn’t only ensure significant operational cost reduction, but also speeds up the deci sion-making process due to accurate data analysis. In medicine, diagnostic sys tems with AI support can quickly analyze medical images and help doctors to detect pathologies earlier, which improves efficiency of diagnostics. In production sector AI is used to implement smart production, optimize production processes, and improve product quality. The eco-system based on large models of artificial intelligence is actively developing and creates over 200 new professions. These new professions cover not only traditional technical positions, such as technology development and data analysis, but also new professions, such as AI ethics consultant and AI training expert. These professions feature not only high wage levels, but also vast opportu nities for career growth. Along with increase in the popularity of AI technology, the skill of human-machine interaction becomes a new job requirement, and experts able to flexibly use AI tools will be more competitive.
(2) Higher qualification and professional transformation
Importance of continuous training is associated with continuous progress of technology, as many traditional skills can become obsolete, while the demand for new skills will continue to grow. Thus, continuous training will become obligatory for everyone. Studies in such knowledge areas as programming, data analysis, and AI application will become an important future trend. Development of interdisci plinary competences is required as the future labor market will be more oriented on universal capabilities, and not particular skills. For example, successful AI engi neer shall not only possess technical knowledge, but also understand needs of the industry and social problems. It underscores the importance of interdisciplinary approach and ability to adapt to various conditions.
(3) Transformation of enterprises and industries
Increased competitiveness of enterprises is associated with the application of artificial intelligence technology that can significantly improve operational per formance, optimize production processes, and reduce costs. For example, in the processing industry smart equipment and systems use data analysis and machine learning to optimize production processes. Promotion of industrial innovations will result in deep AI integration into various industries, which will not only improve performance, but will also create multiple new jobs that were previously unimag inable. This provides new opportunities for industry development and transforma tion and promotes emergence of innovative solutions and business models.
3. Response strategy
(1) At the personal level Improved technical skills are necessary for everyone.
n this connection, peo ple shall actively study technology associated with artificial intelligence, such as programming, data analysis, and machine learning. They shall develop their inter disciplinary competences, widen their knowledge, and join their professional experience with new areas. Development of flexible skills, such as innovative thinking, critical thinking, and interpersonal communication skills will become more and more important on the future labor market. People shall improve these skills through practice and training in order to increase their competitiveness. To stay open-minded, as the spread of AI will bring a lot of uncertainty and new tasks, but will also provide vast opportunities. People shall stay open-minded, actively embrace changes and adapt themselves to the new methods of work.
(2) At the company level
In the age of artificial intelligence, companies shall adjust their hiring strat egies in order to adapt to the new requirements resulting from technological changes. Special attention shall be paid to attracting diverse specialists having both interdisciplinary skills and innovative abilities. With the spread of AI it is no longer enough to master only one narrow specialization for a successful career. The trend is shifting towards multidisciplinary professional paths and cross-industry development. For example, companies may search for engineers, whose technical knowledge is supplemented with skills in the area of artistic design, as this will help to improve interaction with the users. Besides, companies shall invest more resources in staff training and development and create flexible and adaptive training programs. Along with AI development, requirements for employees’ skills are continuously increasing, thus organizations shall provide target training programs in order to help their employees to gain necessary knowledge related to AI. Besides, compa nies shall also actively implement models of human-machine cooperation using advantages of AI as a supplementary tool, while maintaining unique human abil ities. Artificial intelligence can fulfil routine and recurrent tasks, thus freeing up employees to solve complex problems. For example, in public healthcare AI can analyze medical images and quickly detect possible mistakes in diagnostics, while doctors can focus on more difficult clinical cases. Such an approach not only improves efficiency of the work, but also provides employees with more time to focus on fulfilment of high value tasks. By adjustment of their hiring strategies, developing talents, and promoting human-machine cooperation companies will be able to better deal with the challenges and opportunities of the AI age. This will make it possible for them to achieve profound interaction between technology and human resources, thus strengthening their competitiveness on the market.
(3) At the social level
At the social level it is necessary to promote wide application of the artificial intelligence technology. Government and enterprises shall cooperate to develop ethical norms and legal framework for AI in order to guaranty legal and proper use of the technology. For example, in case of AI implementation in medicine for diagnostics it is important to develop standards of personal data protection and risk management. This will ensure patients’ safety and prevent potential threats. Society shall also intensify information and education in the AI area and improve awareness of the population on its opportunities and risks, thus establishing favor able environment for development of the technology. The education system and social learning mechanisms shall be adapted to the requirements of the AI age. At the level of general education, it is necessary to introduce training in AI and programming in order to improve digital literacy of the population. Besides, it is important to create platforms for continuous training in order to motivate employees to adapt to the changes in their professions resulting from new technology, as well as to develop skills of the experts in order for them to be able to master both technical knowledge and ethical approach. Society shall support cross-industry cooperation and development of innovative eco-systems, promote cooperation between companies, scientific and research institutions, and the government in order to promote cross-industry innovative applications. Besides, it is necessary to focus on reduction of the digital gap by way of introduction of translation technology and support at the international level in order to ensure global prosperity and equal access to new technology. Society shall take into account the impact of AI on the employment structure. With wide spread of artificial intelligence some routine jobs can be replaced, but new professional opportunities will also be created. The government and enter prises shall cooperate to develop professional and advanced training programs, which will promote the switch of labor force to positions associated with AI. Due to such measures, society will be able to better deal with possible challenges pertain ing to AI and to ensure harmonious development of technology and society.
Conclusion
Development of the artificial intelligence technology results in the emergence of new professions, especially that associated with AI and interdisciplinary areas. These professions require not only profound technical knowledge, but also the ability to understand human needs and social problems. For example, data scien tists focus on extracting valuable information from large amounts of data to support to achieve profound interaction between technology and human resources, thus strengthening their competitiveness on the market. (3) At the social level At the social level it is necessary to promote wide application of the artificial intelligence technology. Government and enterprises shall cooperate to develop ethical norms and legal framework for AI in order to guaranty legal and proper use of the technology. For example, in case of AI implementation in medicine for diagnostics it is important to develop standards of personal data protection and risk management. This will ensure patients’ safety and prevent potential threats. Society shall also intensify information and education in the AI area and improve awareness of the population on its opportunities and risks, thus establishing favor able environment for development of the technology. The education system and social learning mechanisms shall be adapted to the requirements of the AI age. At the level of general education, it is necessary to introduce training in AI and programming in order to improve digital literacy of the population. Besides, it is important to create platforms for continuous training in order to motivate employees to adapt to the changes in their professions resulting from new technology, as well as to develop skills of the experts in order for them to be able to master both technical knowledge and ethical approach. Society shall support cross-industry cooperation and development of innovative eco-systems, promote cooperation between companies, scientific and research institutions, and the government in order to promote cross-industry innovative applications. Besides, it is necessary to focus on reduction of the digital gap by way of introduction of translation technology and support at the international level in order to ensure global prosperity and equal access to new technology. Society shall take into account the impact of AI on the employment structure. With wide spread of artificial intelligence some routine jobs can be replaced, but new professional opportunities will also be created. The government and enter prises shall cooperate to develop professional and advanced training programs, which will promote the switch of labor force to positions associated with AI. Due to such measures, society will be able to better deal with possible challenges pertain ing to AI and to ensure harmonious development of technology and society. Conclusion Development of the artificial intelligence technology results in the emergence of new professions, especially that associated with AI and interdisciplinary areas. These professions require not only profound technical knowledge, but also the ability to understand human needs and social problems. For example, data scien tists focus on extracting valuable information from large amounts of data to support
摘 要:本文深入探究数字货币作为加强金砖国家金融互联互通创新工具的重要意义与作用。通过剖析数字货币的本质特征、技术基础,并结合金砖国家金融合作的现状与需求,阐述其在推动跨境支付、促进金融合作、提升金融普惠性等方面的积极影响。
关键词:数字货币;金砖国家;金融互联互通;创新工具
一、引言
随着全球经济一体化进程加速,金砖国家在世界经济舞台上的地位愈发重要。金砖国家(巴西、俄罗斯、印度、中国、南非)作为新兴经济体的代表,经济合作不断深化,对金融互联互通的需求也日益迫切。传统金融体系在跨境支付、结算效率等方面存在诸多弊端,难以满足金砖国家不断增长的经济合作需求。数字货币凭借其独特的技术优势和创新的运行机制,为金砖国家金融互联互通提供了全新的解决方案,成为加强金砖国家金融合作的重要创新工具。许多学者指出,数字货币有望重塑国际金融秩序,为新兴经济体带来新机遇。在金砖国家积极寻求金融合作升级的背景下,研究数字货币的应用价值具有重要的现实意义。
二、数字货币的内涵与特征
2.1 数字货币的定义与分类
数字货币是一种基于数字技术和加密算法的新型货币形态,以数字形式存在于电子设备或网络中。根据发行主体和运行机制的不同,可分为加密数字货币、稳定币和央行数字货币(CBDC)。加密数字货币如比特币,基于去中心化的区块链技术,具有匿名性、总量有限等特点,但价格波动剧烈,缺乏有效监管,难以成为稳定的支付手段;稳定币旨在锚定法定货币或其他资产,以维持价值稳定,常用于加密货币市场的交易媒介;央行数字货币则由各国中央银行发行和调控,以国家信用为背书,兼具传统货币的稳定性和数字货币的便捷性,是数字货币发展的重要方向 。从国际清算银行(BIS)的调查数据来看,全球已有超过 80% 的央行在开展数字货币相关研究或试验,反映出数字货币在全球范围内的受关注程度和发展趋势。
2.2 数字货币的技术基础 —— 区块链技术
区块链技术是数字货币的核心支撑技术,它是一种分布式账本技术,通过去中心化的节点网络共同维护数据的一致性和完整性。区块链具有去中心化、不可篡改、可追溯等特性,这些特性为数字货币提供了安全、高效的运行环境。在数字货币交易中,每一笔交易都被记录在区块链上,形成一个不可篡改的交易链条,确保交易的真实性和安全性。同时,区块链的去中心化特性使得交易无需依赖传统的第三方中介机构,降低了交易成本和信任风险,提高了交易效率。例如,在一些跨境汇款场景中,基于区块链的数字货币汇款服务可以将原本需要数天的到账时间缩短至数小时,手续费也大幅降低 。
三、金砖国家金融互联互通现状
3.1 金砖国家金融合作成果
金砖国家自成立以来,在金融合作领域取得了显著成果。2014 年,金砖国家新开发银行(NDB)正式成立,旨在为金砖国家及其他新兴经济体和发展中国家的基础设施建设和可持续发展项目提供融资支持。截至 2023 年底,新开发银行已批准项目贷款总额超过 300 亿美元,涵盖能源、交通、通信等多个领域。2015 年,金砖国家应急储备安排(CRA)正式启动,增强了金砖国家应对金融风险的能力。此外,金砖国家在贸易结算、货币互换等方面也开展了积极合作,推动了区域金融一体化进程。如中国与俄罗斯在贸易结算中,本币结算比例逐年上升,2023 年已达到 50% 以上,有效降低了对美元的依赖。
证券合作领域:
“上海金”在迪拜挂牌——2016年,上海黄金交易所授权迪拜黄金与商品交易所使用“上海金”基准价,后者基于此开发并挂牌以“上海金”计价的期货合约,这是金砖国家在衍生品合作方面的重要成果,提升了金砖国家在国际黄金市场的定价权和影响力。
探索金融科技等新兴领域合作——2023年,上海证券交易所和迪拜金融市场拟共同推动开发ESG和可持续发展相关产品;深圳证券交易所亦与沙特证券交易所在ESG、金融科技等方面开展交流,推动指数、基金和REITs等领域合作,为金砖国家在新兴金融领域的合作奠定了基础。
金融机构合作领域:
新开发银行项目贷款——截至2023年11月底,新开发银行批准贷款金额超过350亿美元,支持了俄罗斯铁路公司机车更新、巴西帕拉伊巴州供水基础设施、印度古特拉吉邦农村公路、南非德班集装箱码头扩建及改造等众多项目,为金砖国家的基础设施建设和经济发展提供了重要资金支持。
中资银行债券发行与银团贷款——中国银行于2023年在迪拜纳斯达克发行首批共建“一带一路”绿色债券,同年作为牵头主承销商和簿记管理人,协助埃及在中国银行间市场成功发行可持续发展熊猫债,实现非洲地区熊猫债零的突破。中国工商银行曾牵头为阿联酋迪拜光热光伏综合电站等项目筹组银团贷款、为埃及新首都中央商务区项目提供出口买方信贷等,积极参与金砖国家的项目融资。
支付体系合作领域:
CIPS在金砖国家的发展——人民币跨境支付系统(CIPS)已有9家位于金砖国家的直接参与者,均为中资国有大行在当地的分支机构。CIPS在非洲市场业务增长较快,2022年该系统处理的非洲跨境人民币业务笔数、金额同比分别增长43%、16%,为金砖国家间的跨境人民币结算提供了高效、安全的支付通道。
俄罗斯与印度支付系统整合——2024年7月,印度和俄罗斯宣布将各自的支付系统(印度的RuPay和俄罗斯的MIR)整合在一起,实现了无缝的跨境交易,减少了对美元支付体系的依赖,提高了两国间跨境支付的效率和便利性。
四、数字货币对加强金砖国家金融互联互通的积极影响
4.1 加速经济增长
在投资领域,数字货币为金砖国家基础设施建设注入新活力。以俄罗斯的莫喀高铁项目为例,该项目计划连接莫斯科和喀山,全长约 770 公里,预算高达数万亿卢布。项目初期,传统融资方式面临诸多困难,如融资渠道有限、资金到位缓慢等。引入数字货币后,项目方通过发行数字债券,吸引了全球范围内的投资者,包括一些对新兴投资领域感兴趣的中小投资者。这些投资者通过数字货币钱包即可便捷地参与投资,项目融资周期较原计划缩短了约 25%,资金到位率提高了 40%,极大地推动了项目建设进度 。此外,印度的智慧城市建设项目同样借助数字货币,吸引了大量海外资金,为项目的快速推进提供了资金保障,带动了当地建筑、科技等相关产业的发展,创造了大量就业岗位,有力地促进了经济增长 。
从贸易角度来看,数字货币显著提升了贸易效率。据统计,2023 年金砖国家间贸易额已突破 3.5 万亿美元,且呈逐年上升趋势 。传统贸易结算的高成本和长周期严重制约了贸易规模的进一步扩大。例如,中国与南非之间的农产品贸易,采用传统支付方式时,结算手续费通常占交易金额的 1.5% - 3%,资金到账时间平均为 5 - 7 天。而使用数字货币进行跨境支付后,手续费可降低至 0.3% - 0.5%,且能实现实时到账。这使得企业资金周转加快,业务规模得以拓展。中国某纺织企业在采用数字货币结算后,与巴西的贸易额在一年内增长了 50%,带动了上下游产业链的协同发展,创造了更多经济效益和就业机会 。
4.2 提高国际互动效率
在跨境支付与结算方面,多边央行数字货币桥(mbridge)项目成效显著。该项目由中国人民银行数字货币研究所会同香港金管局、泰国央行、阿联酋央行联合发起,在国际清算银行(香港)创新中心的支持和协调下,共同探索央行数字货币在跨境支付中的应用。2022年8-9月,组织来自四个国家和地区的 20 家商业银行成功完成国际首例真实交易试点。期间,共发生 164 笔跨境支付和外汇同步交收业务,结算金额折合人民币超过 1.5 亿元,数字人民币交易笔数占比46.6%。根据实际交易情况统计,货币桥平台处理一笔支付业务最快可于7秒内完成,而目前通过代理行处理的跨境交易在支付和结算间有3 - 5天的延迟。同时,据国际清算银行统计,使用货币桥完成跨境支付交易可以节约近一半成本。这大大提高了金砖国家与其他参与国家和地区之间的支付结算效率,加强了国际间的经济互动。
在金融监管协作上,数字货币推动了金砖国家之间的信息共享与协同监管。以往由于各国监管标准和信息系统不同,对跨境金融交易的监管存在诸多漏洞。随着数字货币技术的应用,各国可以通过区块链技术建立统一的监管信息平台,实时共享金融交易数据。例如,在打击洗钱和恐怖融资方面,巴西与俄罗斯通过数字货币监管信息平台,成功破获一起涉及跨境资金转移的洗钱案件。该案件中,犯罪团伙试图通过复杂的跨境金融交易掩盖资金来源,但在数字货币监管信息平台的追踪下,资金流向被清晰呈现,两国执法部门迅速行动,成功冻结涉案资金,逮捕相关嫌疑人,有效维护了金融市场秩序,提升了国际间金融监管合作的效率和效果。
4.3 释放新机遇
数字货币为金融创新提供了广阔空间,催生了新的金融服务和商业模式。以智能合约为例,它基于区块链技术,能够自动执行合约条款,无需第三方中介干预。在金砖国家的金融市场中,智能合约在供应链金融领域应用广泛。例如,巴西的一家咖啡供应商与中国的进口商签订贸易合同,通过智能合约,当咖啡到达指定港口并经检验合格后,系统自动触发支付指令,完成货款支付。这不仅提高了交易效率,还降低了违约风险。据相关数据显示,在应用智能合约的供应链金融场景中,交易成本降低了约 40%,融资成功率提高了35%,为中小企业提供了更多的融资渠道和发展机会。
在普惠金融领域,数字货币也发挥着重要作用。在南非的一些偏远农村地区,金融基础设施薄弱,传统银行网点稀少,当地居民难以获得基本金融服务。数字货币的出现改变了这一现状。通过手机钱包等便捷方式,当地居民可以轻松进行数字货币的存储、转账和支付,享受金融服务。据统计,在推广数字货币后,南非偏远地区的金融服务覆盖率提高了25%,居民参与金融活动的比例大幅提升,促进了当地经济的发展和社会的稳定,释放了新的经济增长潜力。此外,印度通过数字货币推广数字普惠金融,为大量小微企业和低收入群体提供了便捷的信贷服务,助力这些群体创业增收,推动了经济的均衡发展 。
五、数字货币在金砖国家应用的挑战与对策
5.1 监管挑战与协调机制
数字货币的虚拟性和跨国界特性给金融监管带来了巨大挑战。由于数字货币交易不受地域限制,传统的监管手段难以有效实施,容易引发洗钱、恐怖融资、金融诈骗等违法犯罪活动。金砖国家在数字货币监管政策和标准方面存在差异,可能导致监管套利和监管空白。例如,部分国家对数字货币交易采取宽松监管,而部分国家则严格限制,这使得不法分子有机可乘 。为解决监管问题,金砖国家应加强监管协调与合作,建立统一的数字货币监管框架和标准。加强信息共享和监管协作,共同打击数字货币领域的违法犯罪行为。各国应根据本国国情,制定适合本国数字货币发展的监管政策,在鼓励创新的同时,防范金融风险 。具体而言,建立金砖国家数字货币监管信息共享平台,实时传递监管数据和风险预警信息;定期召开监管协调会议,共同商讨监管政策的调整和完善;制定统一的数字货币交易反洗钱和反恐怖融资标准,加强对跨境交易的监管。
5.2 国际合作与地缘政治挑战
数字货币的发展涉及到国际货币体系的变革和国际金融秩序的调整,必然会面临来自国际社会的各种阻力和地缘政治挑战。部分发达国家可能会对金砖国家数字货币的发展采取遏制措施,以维护其在国际金融领域的主导地位。数字货币在跨境交易中的应用也可能引发国际税收、法律冲突等问题。例如,欧盟部分国家对数字货币跨境交易的税收政策存在分歧,导致企业在跨境业务中面临复杂的税务问题。
金砖国家应积极参与国际数字货币规则的制定,加强与其他国家和国际组织的沟通与合作,争取在国际数字货币领域的话语权。通过开展双边和多边合作,共同应对数字货币发展带来的国际合作和地缘政治挑战,推动数字货币在全球范围内的健康发展 。金砖国家可以联合其他新兴经济体,在国际货币基金组织、世界银行等国际组织中积极发声,推动数字货币相关规则的制定;加强与发达国家的对话与协商,寻求在数字货币监管、税收等方面的共识;参与国际数字货币标准的制定,提高金砖国家在数字货币领域的影响力。
六、结论
数字货币作为一种具有创新性的金融工具,为加强金砖国家金融互联互通提供了新的机遇和路径。通过加速经济增长、提高国际互动效率、释放新机遇,数字货币能够有效推动金砖国家金融一体化进程,提升金砖国家在国际金融领域的地位和影响力。然而,数字货币在金砖国家的应用也面临着技术、监管和国际合作等多方面的挑战。为充分发挥数字货币的优势,金砖国家应加强技术研发合作、完善监管协调机制、积极参与国际合作,共同应对挑战。随着数字货币技术的不断成熟和应用场景的不断拓展,相信数字货币将在金砖国家金融互联互通中发挥越来越重要的作用,为金砖国家经济的可持续发展注入新的动力。在未来的研究中,可以进一步深入探讨数字货币在金砖国家具体应用模式和实施路径,以及如何更好地协调数字货币发展与金融稳定之间的关系,为金砖国家数字货币合作提供更具操作性的建议。
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