This paper mainly studies the possible impact on the operational soundness of commercial banks after the issuance of central bank digital currency in China. Through the analysis of the design characteristics and operation mode of domestic central bank digital currency, it is found that after the issuance of central bank digital currency, it affects the sound operation of commercial banks by affecting their credit rationing, liquidity maturity mismatch and balance sheet structure respectively. In the short term, the issuance of central bank digital currency may have a negative impact on the soundness of commercial banks, while in the long run, it can increase the soundness of commercial banks.

Ying Li. Central Bank Digital Currency and Commercial Bank Soundness. Academic Journal of Business & Management (2023) Vol. 5, Issue 26: 179-183. https://doi.org/10.25236/AJBM.2023.052627.

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