On December 12, the International Monetary Fund (IMF) issued a document entitled "Four Questions and Four Answers to Central Bank Digital Currency" to discuss the benefits and challenges faced by central bank digital currencies. The article states that the IMF is currently investigating the impact of cross-border central bank digital currencies (CBDC) and can provide information for policy debates; the IMF can help promote cooperation between countries and interested parties, and help countries evaluate policies related to the CBDC and study Alternative means to improve payment systems. The IMF states that countries differ greatly in the extent to which they actively explore digital currencies and the distance from issuing such currencies. At the same time, the central bank's digital currency is beneficial in reducing cash costs, enhancing financial inclusiveness and stability of the payment system, but still faces various challenges such as central bank costs and operational risks. In short, each country must weigh the advantages and disadvantages of the CBDC case according to its actual situation.