虚拟货币在当今传统行业的金融渗透实践

发布时间：2018-04-04 12:34

本文选题：互联网　切入点：虚拟货币　出处：《上海交通大学》2014年硕士论文

【摘要】：信息技术革命已然成为社会、经济发展的重要动力。随着互联网的蓬勃兴起和飞速发展，虚拟货币作为一种新的交易媒介和支付手段，伴随着网络增值产品和服务的产生和发展，它的出现极大地改善了微额消费的支付环境和支付效率，使用范围日益广泛，并开始从网络环境向传统行业渗透。当前众多关于虚拟货币的研究，多数侧重于互联网应用（包括网络社区、网络游戏等），而虚拟货币对于传统行业的渗透影响鲜有研究和触及。鉴于上述原因，本文在前人研究的基础上，从虚拟货币的定义、产生背景的深层次根源入手，给合当前国内传统行业面临互联网发展的挑战和困境，来探索虚拟货币发展的产业基础，并针对传统行业可能发展的虚拟货币形式，通过不同的运作模式，来对我国虚拟货币的生成、流转、退出及其与现实货币和现实经济体系的沟通建立一个系统的分析框架，更好的把虚拟货币在传统行业的运动过程中各相关关系及其影响整合在一起，从而建立其各个系统间实质性的关系，对虚拟货币从其发行者、消费者、中间渠道，支付体系及国家监管等进行全面系统的研究。更进一步说，本文建立了传统行业虚拟货币发行、流转和退出机制模型，通过细致分析，深入研究虚拟货币给发行者、用户和实体宏观经济带来的影响，以此获得对于虚拟货币的全面认识和深刻理解。并在此基础上，探讨了虚拟货币存在的问题，尤其是广泛关注的虚拟货币的回流及漏出问题、第三方虚拟货币交易风行的现实性问题，，及其对我国的小额支付体系和实体经济的影响等。最后提出传统企业转型，加速虚拟货币渗透以及建立虚拟货币的有效监管体系的政策建议。
[Abstract]:Information technology revolution has become an important driving force for social and economic development.With the booming and rapid development of the Internet, virtual currency, as a new transaction medium and payment means, comes into being and develops with the network value-added products and services.It has greatly improved the payment environment and payment efficiency of micro-consumption. It has been widely used and has begun to infiltrate from the network environment to the traditional industry.At present, most of the researches on virtual currency focus on Internet applications (including online community, online games and so on), while the influence of virtual currency on the penetration of traditional industries is seldom studied and touched.In view of the above reasons, this paper, on the basis of the previous studies, starts with the definition of virtual currency and the deep root of the background, and gives the current domestic traditional industry the challenges and difficulties of the development of the Internet.To explore the industrial basis of the development of virtual currency, and in view of the possible development of virtual currency in the traditional industry, through different operation modes, to generate and circulate the virtual currency in our country.Exit and its communication with real currency and real economy system to establish a systematic analysis framework to better integrate the relationship and influence of virtual currency in the movement of traditional industry.Thus, it establishes the substantive relationship between its various systems, and makes a comprehensive and systematic study of virtual currency from its issuers, consumers, intermediate channels, payment systems and state supervision.Furthermore, this paper establishes the traditional industry virtual currency issuing, circulation and exit mechanism model, through careful analysis, in-depth study of virtual currency on the issuer, users and real macroeconomic impact,In order to obtain a comprehensive understanding of the virtual currency and a deep understanding.On this basis, the paper discusses the problems of virtual currency, especially the problem of the return and leakage of virtual currency, and the reality of the popularity of third-party virtual currency trading.And its impact on China's small payment system and the real economy.Finally, the paper puts forward some policy suggestions on the transformation of traditional enterprises, accelerating the infiltration of virtual currency and establishing an effective supervision system of virtual currency.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F49;F832

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