Pan Helin, Executive Dean of the Institute of Digital Economy, Zhongnan University of Economics and Law, "Digital currency will reshape the trade settlement system." The article said that the central bank's issuance of digital currencies has its significance. First, the existing paper money and coins are easily forged anonymously, and there are risks such as money laundering and terrorist financing. If DC / EP is used to replace paper money and coins, although the above risks still exist, the regulators can use big data for processing . Secondly, as mobile payments become more common, the frequency of use of cash is greatly reduced. Finally, it will help reshape the trade clearing system and promote the internationalization of the RMB.