区块链技术创新下数字货币的演化研究:理论与框架
发布时间：2019-03-02 14:09
【摘要】：鉴于区块链技术的数字货币探索,比较分析数字货币演化历程和动因,从货币价值、发行主体、数量调节三大基本问题总结数字货币的本质、属性、锚定、信用创造四大机理。基于金融创新效率和风险侧重选择不同,分析数字货币核心机制的设计思路、实践探索和未来前景,从二元间接信用创造的融合式到一元直接信用创造的重构式来实现数字货币信用模式的应用调整。结合数字货币的风险理论和监管原则,提出从单维平面到多维立体的信用风险评价体系来实现数字货币体系的有效监管,共享数字经济时代信用人格化的普惠效应。
[Abstract]:In view of the exploration of digital currency in block chain technology, this paper compares and analyzes the evolution process and motivation of digital currency, and summarizes the essence, attribute, anchoring and credit creation mechanism of digital currency from the three basic problems of currency value, issuing subject and quantity regulation. Based on the different choice of financial innovation efficiency and risk, this paper analyzes the design ideas, practical exploration and future prospects of the core mechanism of digital currency. From the amalgamation of the dual indirect credit creation to the reconstruction of the monadic direct credit creation, the application adjustment of the digital currency credit mode is realized. Combined with the risk theory and supervision principle of digital currency, this paper puts forward a credit risk evaluation system from one-dimensional plane to multi-dimensional three-dimensional system to realize the effective supervision of digital currency system, and to share the general benefit effect of credit personalization in the era of digital economy.
【作者单位】： 南京工业大学经济与管理学院;
【基金】：国家社会科学基金一般项目“互联网P2P借贷支持小微企业融资的协同机制与风险监管研究”(15BJY160)
【分类号】：F821;TP311.13
本文编号：2433116
[Abstract]:In view of the exploration of digital currency in block chain technology, this paper compares and analyzes the evolution process and motivation of digital currency, and summarizes the essence, attribute, anchoring and credit creation mechanism of digital currency from the three basic problems of currency value, issuing subject and quantity regulation. Based on the different choice of financial innovation efficiency and risk, this paper analyzes the design ideas, practical exploration and future prospects of the core mechanism of digital currency. From the amalgamation of the dual indirect credit creation to the reconstruction of the monadic direct credit creation, the application adjustment of the digital currency credit mode is realized. Combined with the risk theory and supervision principle of digital currency, this paper puts forward a credit risk evaluation system from one-dimensional plane to multi-dimensional three-dimensional system to realize the effective supervision of digital currency system, and to share the general benefit effect of credit personalization in the era of digital economy.
【作者单位】： 南京工业大学经济与管理学院;
【基金】：国家社会科学基金一般项目“互联网P2P借贷支持小微企业融资的协同机制与风险监管研究”(15BJY160)
【分类号】：F821;TP311.13
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