数字货币与普惠金融发展——理论框架、国际实践与监管体系

Digital Currency and the Development of Financial Inclusions——The Theoretical Framework, Interaational Practice and Regulatory System

本文总结了数字货币在增加金融服务的覆盖面、降低金融服务的成本以及提升服务质量等方面的重要作用,并进一步逐一分析了政府、企业和个人在货币向数字化方向发展的三大阶段中的受益情况。本文还针对国际上发展较为成熟的移动货币服务,深入研究了其在账户开立、现金存取、支付转账、储蓄、信贷、保险等普惠金融相关领域中发挥的作用;同时,通过对比数字货币三大监管模式,分析了数字货币监管体系未来的发展趋势,并讨论了央行发行数字货币的利弊。

This paper reviews the role of digital money in increasing financial service coverage and penetration, reducing the cost of financial services and improving the quality of financial services. We analyze how the government, enterprises and individuals can be benefited from the progress of the digitalization of the currency. Based on the popular mobile money services around the world, we study what the roles they play in accounting, cash circulating, payment system, saving, credit and insurance, which cover all important aspects of financial inclusions. We compare three models of digital currency regulation, analyze the future trend of regulation and discuss the pros and cons of a central bank to issue digital currency.