基于消费者权益保护视角的数字货币发展中的问题与建议

A Study of Consumer Protection in the Development of Digital Currency

依托信息技术的迅猛发展,以比特币为典型代表的数字货币走入我们的日常生活,并且对现行金融秩序产生了一定的影响,全球多国将发行数字货币纳入视野。本文对数字货币的发展现状、各国对数字货币的态度与探索进展进行了梳理,重点着眼于消费者权益保护,我们发现数字货币在实践中暴露出易遭黑客入侵盗取、价格暴涨暴跌、平台与消费者地位不对等、消费者被严重侵权等问题,最后并提出相关建议。

With the development of Internet technology, digital currency such as bitcoin has emerged and influenced monetary system, some countries have shown their interest in issuing official digital currency. We review the evolving status of digital currency, focusing on consumer protection, we find that the digital currency in practice exposed to price soaring and slumping, hackers stealing and serious violations of consumer rights. Finally, this paper gives the suggestions to improve such situation.