关于央行法定数字货币的若干思考

发布时间：2018-04-20 08:31

本文选题：数字货币 + 区块链　；参考：《金融研究》2017年07期

【摘要】：随着信息科技的快速发展,移动支付、可信云计算、区块链等新技术的推出,中央银行发行的传统纸质货币面临着许多新的挑战,数字货币可能成为未来货币发行、支付模式的发展方向。本文在理论层面,梳理了数字货币概念、理念发展,总结了理想的数字货币需要具备的特征;在技术层面,在对区块链技术进行辩证分析的基础上,提出数字货币系统应兼收并蓄包括区块链在内的各种成熟技术;在实践层面,在总结若干需要重点考虑问题的基础上,提出了构建中国法定数字货币的设计要点。
[Abstract]:With the rapid development of information technology, the introduction of new technologies such as mobile payment, trusted cloud computing, block chain and so on, the traditional paper currency issued by the central bank is facing many new challenges. Digital money may become the currency issue in the future. The development direction of payment mode. At the theoretical level, this paper combs the concept and concept development of digital money, summarizes the characteristics of the ideal digital money, at the technical level, on the basis of the dialectical analysis of block chain technology, It is proposed that the digital money system should include all kinds of mature technologies including block chain, and on the practical level, on the basis of summing up some problems that need to be considered emphatically, the design points of constructing Chinese legal digital currency are put forward.
【作者单位】：中国人民银行数字货币研究所;上海票据交易所;
【分类号】：F49;F822

【相似文献】