【摘要】：鑒于區(qū)塊鏈技術(shù)的數(shù)字貨幣探索,比較分析數(shù)字貨幣演化歷程和動因,從貨幣價值、發(fā)行主體、數(shù)量調(diào)節(jié)三大基本問題總結(jié)數(shù)字貨幣的本質(zhì)、屬性、錨定、信用創(chuàng)造四大機理�；诮鹑趧�(chuàng)新效率和風(fēng)險側(cè)重選擇不同,分析數(shù)字貨幣核心機制的設(shè)計思路、實踐探索和未來前景,從二元間接信用創(chuàng)造的融合式到一元直接信用創(chuàng)造的重構(gòu)式來實現(xiàn)數(shù)字貨幣信用模式的應(yīng)用調(diào)整。結(jié)合數(shù)字貨幣的風(fēng)險理論和監(jiān)管原則,提出從單維平面到多維立體的信用風(fēng)險評價體系來實現(xiàn)數(shù)字貨幣體系的有效監(jiān)管,共享數(shù)字經(jīng)濟時代信用人格化的普惠效應(yīng)。
[Abstract]:In view of the exploration of digital currency in block chain technology, this paper compares and analyzes the evolution process and motivation of digital currency, and summarizes the essence, attribute, anchoring and credit creation mechanism of digital currency from the three basic problems of currency value, issuing subject and quantity regulation. Based on the different choice of financial innovation efficiency and risk, this paper analyzes the design ideas, practical exploration and future prospects of the core mechanism of digital currency. From the amalgamation of the dual indirect credit creation to the reconstruction of the monadic direct credit creation, the application adjustment of the digital currency credit mode is realized. Combined with the risk theory and supervision principle of digital currency, this paper puts forward a credit risk evaluation system from one-dimensional plane to multi-dimensional three-dimensional system to realize the effective supervision of digital currency system, and to share the general benefit effect of credit personalization in the era of digital economy.
【作者單位】： 南京工業(yè)大學(xué)經(jīng)濟與管理學(xué)院;
【基金】：國家社會科學(xué)基金一般項目“互聯(lián)網(wǎng)P2P借貸支持小微企業(yè)融資的協(xié)同機制與風(fēng)險監(jiān)管研究”(15BJY160)
【分類號】：F821;TP311.13

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