数字货币与支付的关系研究

The Research on the Relationship between Digital Currency and Payment

随着信息科技的革新和共享经济的发展,数字货币的不断衍生和壮大使得作为金融基础设施重要组成部分的支付体系逐渐发生着重大变革。为提高支付系统的安全性和有效性,须先行了解数字货币与支付的关系。研究发现,数字货币与支付既存在正向关系亦存在反向关系,即数字货币的发展将为中央银行的支付体系带来新的机遇和挑战。

With the innovation of the information technology and the development of the sharing economy, that the digital currency has been derived and expanded has made the payment system, an important part of the financial infrastructure, undergo significant changes. In order to improve the security and efficiency of the payment system, the relationship between the digital currency and payment should be understood in advance. The study finds that there is a positive and reverse relationship between the digital currency and payment, that is to say, the development of the digital currency will bring new opportunities and challenges to the central bank＇s payment system.