In this paper, a dynamic stochastic general equilibrium model depicting the intrinsic formation mechanism of China's economy "dematerialization to virtuality" is constructed, and the policy effect of the central bank's optimal monetary policy rules is studied. Empirical research shows that the single quantity rule and the interest rate rule have comparative advantages in stabilizing prices and real economic fluctuations, respectively, while the hybrid monetary policy regulation and control model can promote the complementary advantages of the two and achieve optimal macroeconomic regulation and control. The hybrid optimal monetary policy rules can alleviate the contradictions of policy regulation and control under the background of economic dematerialization to virtuality, inhibit house price growth and credit expansion by weakening the amplification effect of the mortgage constraint mechanism on the economic cycle, play a role in stabilizing finance and preventing financial risks while calming the fluctuations of the real economy, and create a stable and suitable financial and monetary environment for guiding the economy to turn from virtual to real and promoting the coordinated development of the real estate market and the real economy.