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| 題名: | 可支援離線交易的央行數位貨幣系統
A CBDC System Supporting Offline Transactions |
| 作者: | 林嘉緒
Lin, Jia-Syu |
| 貢獻者: | 蔡子傑
Tsai, Tzu-Chieh
林嘉緒
Lin, Jia-Syu |
| 關鍵詞: | 央行數位貨幣
離線支付
零知識證明
雙重支付
Central Bank Digital Currency(CBDC)
Offline Payment
Zero-Knowledge Proof(ZKP)
Double Spending |
| 日期: | 2025 |
| 上傳時間: | 2025-08-04 15:09:41 (UTC+8) |
| 摘要: | 在數位金融快速發展的背景下，中央銀行數位貨幣（Central Bank Digital Currency, CBDC） 逐漸成為全球金融創新的重要趨勢。CBDC係由中央銀行發行，具備法定貨幣的效力，透過數位化形式提供安全、高效、普及的金融服務。根據國際清算銀行（BIS）之研究顯示，全球各國央行已有超過九成正在積極探索CBDC，以因應支付市場快速變遷所帶來的金融與經濟挑戰。
國際貨幣基金組織（IMF）指出，CBDC的推動應考量經濟效率、支付安全性、普惠金融及貨幣政策執行之有效性等多重因素。如中國人民銀行推出的e-CNY聚焦在支付效率與強化金融監管的能力，瑞典央行則透過e-Krona試驗，解決現金使用率大幅下降後支付體系的韌性問題，而巴哈馬央行發行之Sand Dollar則以提升普惠金融作為主要目標，改善金融基礎建設不足地區的支付服務品質。
儘管各國央行推動CBDC的政策動機與設計模式各異，但國際間普遍認同CBDC應與現金及現行電子支付工具共存，並在符合金融監理規範的前提下，適當兼顧支付匿名性與隱私保護需求。由於數位金融時代的發展趨勢仍不斷演進，未來CBDC在實務推廣與政策制定的過程中，必須持續進行深入的研究與實驗，以確保其能穩健地成為支付體系的有效支撐，提供社會大眾更多元且安全的支付選擇，並為未來金融創新與發展提供重要基礎。
In the context of rapid digital financial development, central bank digital currency (CBDC) has gradually become a significant trend in global financial innovation. CBDC is issued by central banks as a digital form of legal tender, aiming to provide secure, efficient, and widely accessible financial services through digital means.
According to the Bank for International Settlements (BIS), over 90% of global central banks are actively exploring CBDC as a solution to the financial and economic challenges driven by rapid changes in the payment landscape. Additionally, the International Monetary Fund (IMF) emphasizes that the promotion of CBDC should consider multiple factors, including economic efficiency, payment security, financial inclusion, and the effectiveness of monetary policy implementation. For example, China's People's Bank (PBoC) has launched the e-CNY focusing on enhancing payment efficiency and strengthening financial oversight capabilities; Sweden's Riksbank is experimenting with the e-Krona to address payment system resilience issues arising from the declining use of physical cash; and the Central Bank of the Bahamas has introduced the Sand Dollar primarily to improve financial inclusion and payment services in regions with insufficient financial infrastructure.
Despite differences in the policy motivations and design models across various central banks, there is a general international consensus that CBDC should coexist with cash and existing electronic payment tools, while appropriately balancing anonymity and privacy protection under regulatory compliance.
Given the evolving landscape of digital finance, ongoing research and experimentation are necessary in promoting and formulating CBDC policies to ensure robust integration within the payment system. CBDC should thus serve as an effective financial infrastructure, offering diverse and secure payment options, and establishing a solid foundation for future financial innovation and development. |
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| 描述: | 碩士
國立政治大學
資訊科學系碩士在職專班
110971014 |
| 資料來源: | http://thesis.lib.nccu.edu.tw/record/#G0110971014 |
| 資料類型: | thesis |
| 顯示於類別: | [資訊科學系碩士在職專班] 學位論文
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