央行数字货币和银行业：类现金设计的宏观经济效益

This article discusses the potential macroeconomic benefits of a cash-like design for central bank digital currency (CBDC). The authors argue that a CBDC can provide a number of advantages over traditional cash, including increased efficiency, reduced costs, and improved financial inclusion. The authors also discuss the potential challenges and risks associated with implementing a CBDC, such as privacy concerns and the need for regulatory oversight. Overall, the authors suggest that a CBDC with a cash-like design could have significant positive impacts on the economy, but careful consideration and planning are necessary to ensure its successful implementation.