关于数字货币支付体系的几点思考

Reflections on the Digital Currency Payment System

本文对数字货币应用的架构方案以及数字货币背景下的支付体系总体架构、具体实现机制及实现路径进行了研究,认为数字货币的发行、流通、回笼应在"中央银行—商业银行"总体框架下,通过运用联盟链等技术,搭建类中心化的架构,并应构建与数字货币相适应的支付体系。

This paper analyzes the application framework of digital currency, the overall system, concrete real- ization mechanism and path of the payment system under the backdrop of digital currency. It believes that the issuance, circulation and withdrawal from circulation should be under the overall framework of ＂Central Bank-Commercial Banks＂. Through the application of alliance network, a centralized framework will be established and a payment sys- tem which should be set up.