区块链技术下央行数字货币的可行性研究  

Feasibility Study of Central Bank Digital Currency under Block Chain Technology

作　　者：王未卿 鹿瑶 牛红丽 张军欢 WANG Wei-qing;LU Yao;NIU Hong-li;ZHANG Jun-huan(Donlinks School of Economics and Management,University of Science and Technology Beijing,Beijing 100083;School of Economics and Management,Beihang University,Beijing 100089,China)

机构地区：[1]北京科技大学东凌经济管理学院金融工程系,北京100083 [2]北京科技大学东凌经济管理学院,北京100083 [3]北京航空航天大学经济管理学院金融系,北京100089 [4]北京航空航天大学经济管理学院应用经济系,北京100089

出　　处：《自然辩证法研究》2020年第7期117-122,共6页Studies in Dialectics of Nature

基　　金：国家自然科学基金(71801008);北京航空航天大学人文社科拔尖人才支持计划资助项目(A类);北京航空航天大学教育教学改革培育项目(研究生教育)普通项目。

摘　　要：区块链技术背景下,数字货币发展迅速,经过十年的发展,当前市场上出现了数字加密货币、稳定币以及正在研发阶段的央行数字货币三类数字货币,并且数字货币也已成为投机炒作的重要产品。然而,数字货币技术快速发展的背后也产生了很多风险。基于当前数字货币市场上存在的风险,从风险防范角度上对央行数字货币的可行性进行研究,分析发现央行数字货币是数字货币发展的必然趋势,在技术路线选择上央行数字货币也不会拘泥于区块链技术。Under the background of block chain technology,digital currency has been developing rapidly.After ten years,three different types of digital currency have appeared in the market:cryptocurrency,stablecoins and central bank digital currency.Digital currency has become an important product for speculation in the market.However,behind the rapid development of digital technology,there are also many risks.Based on the existing risks in the current digital currency market,this paper studies the feasibility of the central bank digital currency from the perspective of risk prevention,and holds that the central bank digital currency is the inevitable trend of the future development of digital currency,and the technical route selection of the central bank digital currency will not be restricted to the block chain technology.

关 键 词：区块链 加密货币 稳定币 风险 央行数字货币 

分 类 号：N031[自然科学总论—科学技术哲学]