数字货币和分布式记账技术对我国货币金融政策的启示

发布时间：2018-01-05 15:39

  本文关键词：数字货币和分布式记账技术对我国货币金融政策的启示　出处：《上海金融》2017年06期 　论文类型：期刊论文

  更多相关文章： 数字货币 分布式记账技术 货币金融政策

【摘要】：数字货币及分布式记账技术,是对现有货币体系和经济运行模式可能产生重要影响的理念,但在实践中也引发了人们对其泡沫化发展的担忧。我们一方面通过选取比特币等代表性数字货币及分布式记账技术与环球银行金融电信协会(SWIFT)等传统报文技术进行对比,从技术层面上分析了去中心化设计思想的缺陷,认为数字货币属于集成创新,还有待发展完善;另一方面,通过货币和金融学理论分析,对货币本质进行再思考,明确了中央银行在数字货币发展中不可替代的作用。我们分析了数字货币的发行量、与其他货币的共存关系、对现有支付和信用体系的冲击等问题。我们提出,数字货币和分布式记账技术可以在现有中央银行和商业银行运作体制的基础上进行调适,帮助金融业重塑同业业务和国际支付业务形态,并对我们的货币金融政策带来有益的启示。
[Abstract]:Digital money and distributed accounting technology are the ideas that may have an important impact on the existing monetary system and economic operation mode. But in practice, it also raises concerns about its bubbling development. On the one hand, we choose representative digital currencies such as bitcoin and distributed accounting technology and Swift with the Worldwide Banking and Financial Telecommunications Association. To compare the traditional message technology. This paper analyzes the defects of the decentralization design idea from the technical aspect, and thinks that the digital currency belongs to the integration innovation, and still needs to be developed and perfected. On the other hand, through the theoretical analysis of money and finance, the paper reconsiders the nature of money, and clarifies the irreplaceable role of central bank in the development of digital money. Coexistence with other currencies, impact on existing payment and credit systems, etc. Digital money and distributed accounting technology can be adapted on the basis of the existing operating system of central banks and commercial banks to help the financial industry reshape its interbank business and international payment business. And bring beneficial enlightenment to our monetary and financial policy.
【作者单位】： 复旦大学经济学院;
【分类号】：F822.0;F832.0
【正文快照】： "!!一、引言随着人类社会的发展,货币的形态从贝壳、贵金属演变成了纸币。货币的使用方式也从人际交换、票据交换、发展到电报传输。近三十年来,互联网技术的使用进一步给人类生活带来了巨大影响。信用卡、电子支付工具等新的支付手段不断被创新。与数字货币相关的概念或定义，

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