理解央行数字货币:一个系统性框架

发布时间：2018-04-10 13:05

本文选题：法定数字货币 + 信用货币　；参考：《中国科学:信息科学》2017年11期

【摘要】：当前,法定数字货币的研发正引起政策制定者、监管机构、产业界、学术界的广泛兴趣,但对于它的具体形态,尚未有清晰的概念和蓝图.本文建立了一个系统性框架,从价值内涵、技术方式、实现手段、应用场景等4个全新的维度,剖析了法定数字货币的本质和内涵.研究认为,法定数字货币在价值上是信用货币,在技术上是加密货币,在实现上是算法货币,在应用场景上则是智能货币.与现有的私人数字货币和电子货币相比,法定数字货币将呈现出全新、更好的品质.让货币价值更稳定,让数据更安全,让监管更强大,让个人的支付行为更灵动,让货币应用更智能,不仅能很好地服务大众,同时又能为经济调控提供有效手段,还能为监管科技的发展创造坚实的基础,这些优秀品质是中国法定数字货币所追求的目标.
[Abstract]:At present, the research and development of legal digital currency is attracting wide interest from policy makers, regulators, industry and academia, but there is no clear concept and blueprint for its specific form.This paper establishes a systematic framework, analyzes the essence and connotation of legal digital currency from four new dimensions: value connotation, technical method, realization method and application scene.It is considered that legal digital currency is credit currency in value, encryption currency in technology, algorithm currency in implementation and intelligent currency in application scenario.To make the value of money more stable, to make the data more secure, to make the supervision more powerful, to make the individual pay behavior more flexible, to make the money application more intelligent, not only to serve the public well, but also to provide effective means for economic regulation and control.It can also create a solid foundation for the development of regulatory technology, which is the goal of China's legal digital currency.
【作者单位】：中国人民银行数字货币研究所;
【分类号】：F49;F822

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