摘要
近年来,伴随着区块链、分布式账本技术的普及和应用,数字货币不断创新并快速发展成为世界各国关注的焦点。将广义数字货币定义为依靠密码学、区块链和分布式账本等技术产生的以数据形式表现的记账单位、交易媒介,既包括中央银行发行的法定主权数字货币,也包括私人部门发行的非法定数字货币。通过对国际监管动向的归纳和借鉴,我们发现法定数字货币是未来数字货币的发展方向,对于私人部门发行的非主权信用数字货币要加以取缔。数字货币在快速发展的同时,也给现有金融监管体系和货币政策框架带来较大风险和监管挑战,我国应稳步推出央行法定数字货币,确定监管原则,构建数字货币监管框架,提高数字货币技术标准,加强国际监管协调合作。
In recent years,with the popularization and application of blockchain and distributed ledger technology,digital currency continues to innovate and rapidly develops into the focus of attention around the globe.We define digital currency in the broad sense as unit of account and transaction medium etc.which is reflected in the form of data and generated by technologies such as cryptography,blockchain,and distributed ledger.It includes both legitimate sovereign digital currencies issued by central banks and illegitimate digital currencies issued by private sectors.By summarizing and drawing lessons from the international regulation trend,we find that legitimate digital currency is the developing direction of future digital currency and advocate the ban of non-sovereign credit digital currency issued by private sectors.While digital currency develops rapidly,it also brings relatively greater risks and regulatory challenges to the current financial regulatory system and monetary policy framework.China should steadily introduce legitimate digital currency of its central bank,formulate regulatory principles,construct regulatory framework for digital currency,elevate the technical standard for digital currency,and strengthen the international regulatory coordination and cooperation.
作者
范云朋
尹振涛
Fan Yunpeng;Yin Zhentao(Graduate School,University of Chinese Academy of Social Sciences,Beijing 102488,China;Institute of Finance,Chinese Academy of Social Sciences,Beijing 100028,China)
出处
《征信》
北大核心
2020年第4期6-12,共7页
Credit Reference
基金
国家社会科学基金重点项目“我国金融体系的系统性风险与金融监管改革研究”(13AJY018)
中国社会科学院国情调研重大项目“关于互联网金融风险治理调研”(GQZD2020006)。
关键词
数字货币
法定主权数字货币
金融监管
digital currency
legitimate sovereign digital currency
financial regulation
