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| Title: | 當貨幣走入雲端-新興數位貨幣發展案例之分析
Money Moving to the Cloud - Analyses on Emerging Digital Currency Cases |
| Authors: | 謝鳳瑛
Hsieh, Feng-Ying |
| Contributors: | 黃東益
謝鳳瑛
Hsieh, Feng-Ying |
| Keywords: | 數位貨幣
虛擬通貨
穩定幣
無現金社會
央行數位貨幣
Digital money
Virtual Currency
Stablecoin
Cashless society
CBDC |
| Date: | 2020 |
| Issue Date: | 2020-07-01 13:56:29 (UTC+8) |
| Abstract: | 數位貨幣是帶動數位經濟發展非常重要的金融基礎設施，特別是新興數位貨幣應用近年興起的網路雲端技術，採行去中心化(去金融中介化)的分散式架構運作，挑戰行之已久的金融中介體制及國家主權貨幣的地位，進而可能影響一國的金融及貨幣政策，因而備受國際關注。
數位貨幣發展已是不可逆的趨勢，及早研究分析有利於相關公共政策的擬定與執行，因此，本論文透過廣泛蒐集主要國家政府相關單位的資訊及具公信力國際機構的報告，加以彙整解析，希望能對新興數位貨幣的未來發展，提供全球性、客觀的論述，並藉此對國內財金單位政策方向的訂定，提供實務性的參考價值。
近年，國內研究數位貨幣的學術論文及期刊不在少數，惟多針對技術運作機制、商業應用可能性或稅務問題等面向探討，對於數位貨幣體系的主要風險與國際監管層面則較少著墨，特別是風險問題會影響其市場需求，進而影響其發展性，而國際監管趨勢也會深深影響其未來發展，是以本論文將側重風險及監管的分析，論述其未來發展的可能性。為能具體分析風險及監管對新興數位貨幣發展的影響，將以最具代表性的比特幣(Bitcoin)及臉書天秤幣(Libra)為重點分析案例，並進一步探討央行數位貨幣(Central Bank Digital Money，CBDC)的國際研究情況及現金在數位時代的角色。
Digital currency is a very important financial infrastructure that facilitates the development of the digital economy. Digital currency, in particular, based on emerging cloud technology and distributed architecture in a decentralized (financial disintermediation) way, challenging the system of financial intermediation and the status of the sovereign currency that stands for a long time, which in turn may affect financial and monetary policies, has drawn much international attention.
The trend of digital currency’s development is irreversible. Research and analysis earlier are conducive to the planning and implementation of relevant public policies. Therefore, this thesis summarizes and analyzes information from relevant government agencies in major countries and reports from credible international institutions, to provide a global and objective discussion on the future development of emerging digital currencies and a practical reference value for domestic financial authorities to set the policy direction.
In recent years, many domestic academic papers and journals have investigated digital currency, but most of them are focus on technical mechanisms, commercial application possibilities, or tax issues. The main risks of the digital currency system and the regulations in the international aspect are less touched. However, risk issues do affect its market demand, and thus its prospect. The trend of international regulations also strongly determines its future development. Therefore, this thesis focuses on the analysis of risk and supervision and discusses the possibility of its future development. For specifically analyzing the impact of risks and regulation on the development of emerging digital currencies, the most representative Bitcoin and Facebook Libra are selected as key case studies, and the international research of CBDC and the role of cash in the digital age will be further explored. |
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| Description: | 碩士
國立政治大學
行政管理碩士學程
102921007 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0102921007 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202000606 |
| Appears in Collections: | [行政管理碩士學程(MEPA)] 學位論文
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