成都大学学报（社会科学版）Issue(1)：118-128,11.
数字人民币智能合约的风险类型与分层治理
Risk types and hierarchical governance of e-CNY smart contracts
摘要
Abstract
The e-CNY smart contract reconstructs the fulfillment paradigm of traditional financial contracts through an algorithmic execution mechanism.Its hierarchical deployment architecture forms unique risk types while expanding the functions of currency.Technically,it exhibits inherent defects such as code vulnerabilities and system performance issues.In terms of business,it reflects the value conflict between rigid algorithms and legal flexibility.Systematically,it generates complex vulnerabilities due to cross-layer conduction and cross-domain interaction.The risk generation mechanism is rooted in the inherent contradiction between code logic and financial laws,manifest-ing as multiple dilemmas such as the essential conflict between technical logic and legal logic,the multiplier effect of system complexity and risk conduction,and the normative gap between legal lag and technological advancement.Therefore,it is necessary to construct a collaborative framework that integrates technical verification,legal adapta-tion,and system isolation.This framework ensures contract security through sandbox testing mechanisms,converts legal rules into executable code parameters,and sets up a risk-off mechanism at the operational level.Ultimately,it aims to achieve a dynamic balance between the innovative potential of smart contracts and the stability of the finan-cial system within the e-CNY application system.关键词
数字人民币/智能合约/过渡性风险/代码即法律Key words
e-CNY/smart contract/risk governance/code as law分类
管理科学引用本文复制引用
杨淞麟..数字人民币智能合约的风险类型与分层治理[J].成都大学学报（社会科学版）,2026,(1):118-128,11.基金项目
教育部人文社科基金项目"数字人民币应用中的法律风险分析与对策研究"(项目编号:24YJCZH380) （项目编号:24YJCZH380）
吉林省教育厅人文社会科学研究项目"区块链技术在吉林省智慧法院建设中的应用与规范研究"(项目编号:JJKH20250244SK). （项目编号:JJKH20250244SK）
