摘要
明确界定电子货币、虚拟货币和数字货币的概念,通过对三种非法币形式货币的对比研究,指出以比特币为首的数字货币与电子货币和虚拟货币的主要区别。从数字货币的基本特征出发,针对数字货币是否值得信任、是否真的安全和能否成为真正的货币三个具有争议性的问题给予综述和讨论。分析认为数字货币作为颠覆性创新虽然具有不可小觑的发展前景,但其健康发展离不开政府的认可和法律法规的保护,以及与传统金融体制的相互妥协和融合创新。最后本文指出数字货币的当前重点研究方向。
By clarification of the concept of electronic currency, virtual currency and digital currency, and the comparison research on three kinds of illegal currency, the paper points out that the main difference among digital currency and the other two currencies. Starting from the basic characteristics of digital currency, three controversial issues are reviewed and discussed, i.e. whether digital currency should be trusted, is it really safety and can it become a real currency. Analysis display that as a disruptive innovation, the prospect of digital currency is large, but its healthy development cannot leave the recognition of government and the protection of laws, as well as the compromise and integration innovation with traditional financial system. Finally, the paper puts forward the current research directions of digital currency.
出处
《价值工程》
2015年第31期163-167,共5页
Value Engineering
基金
国家自然科学基金(No:612722513)
北京市高校"青年英才计划"项目
关键词
数字货币
电子货币
虚拟货币
比特币
digital currency
electronic currency
virtual currency
Bitcoin
