数字货币是指以新一代通信技术驱动，通过电子形式存储、转移或交易，并发挥价值尺度、流通手段、支付手段及价值储存功能的数据表现形式，是适应和支撑数字金融创新的新型支付基础设施。本书从货币演进的数字化趋势出发，讨论了数字货币的概念和内涵，分析了数字货币的支撑性技术——区块链技术与数字货币的技术中性选择，重点研究私人数字货币演进和引入数字法币的影响，提出中国应对数字货币创新的若干建议，以便全方位展现数字货币创新的挑战，对数字金融研究和商业模式创新具有重要启示，对中国完善数字货币监管政策和数字人民币发行也具有重要参考价值。

Starting from the digital trend of currency evolution, this book discusses the concept and connotation of digital currency, analyzes the supporting technology of digital currency, focuses on the evolution of private digital currency and the impact of the introduction of digital legal currency, and puts forward some suggestions for China to deal with the innovation of digital currency, which has important reference value for China in improving the supervisory policy of digital currency and the issuance of digital RMB.

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