Adjustment and Innovation of China's Monetary and Economic Policies in the Era of Digital Economy

This paper investigates the transformative effects of the digital economy on China's monetary and economic policies, highlighting both the challenges and opportunities presented by this new economic paradigm. The digital economy, driven by advancements in big data, artificial intelligence, and blockchain, has introduced significant disruptions to traditional economic structures and monetary policy mechanisms. This study critically evaluates the adaptability of China's current policies and reviews the innovative measures undertaken to accommodate the demands of the digital economy. By summarizing both the achievements and the challenges associated with policy adjustments and innovations, this paper provides a comprehensive analysis of China's response to digital economic transformation. Furthermore, it highlights the impact of digital currencies, fintech regulatory changes, and strengthened macro-prudential policies on economic growth and financial stability. The findings suggest that future policy improvements should focus on optimizing digital currency promotion strategies, enhancing fintech regulatory systems, and actively participating in international financial cooperation to address cross-border digital financial risks. In conclusion, this paper provides a comprehensive analysis of China's monetary and economic policies in the digital economy era, summarizing the main achievements and existing problems of policy adjustments and innovations.