当前主流数字货币交易模式分析及发展趋势研究

The Analysis on the Current Mainstream Digital Currency Trading Modes and the Research on Their Development Trend

基于密码学和现代网络技术的数字货币近几年来发展异常迅速,数字货币的种类持续增多,以比特币为代表的数字货币交易活跃,日本等部分国家也承认了数字货币的合法性。中国人民银行早在2014年就开始数字货币的研究,基于区块链和数字货币的数字票据交易平台于2017年成功测试运行,并正式挂牌成立了数字货币研究所。从趋势来看数字货币发展前景广阔,但就目前而言尚存在着线下交易应用不畅、存在隐私泄露风险,易成为洗钱、诈骗等犯罪工具,影响金融稳定与安全等诸多的问题与缺陷。本文通过研究以上问题的解决对策,对我国发展数字货币进行展望。

The digital currency which is based on cryptography and modern network technology has developed rapidly in recent years, the types of the digital currency have continued to increase, the transactions of the digital currency represented by bitcoin have been active, and Japan and some other countries have admitted the legitimacy of the digital currency. The People＇s Bank of China began to carry out the research on the digital currency as early as 2014, the digital notes trading platform based on the block chain and the digital currency was successful tested and run in 2017, and the Institute of Digital Currency was formally founded. In the light of the trend, the development prospects of the digital currency is wide, but for now, there exist a number of problems and defects such as unsmooth offline transaction application, privacy leakage risk, easily being used as criminal tools such as money laundering and fraud,easily causing the failure of monetary policies, influencing the financial stability and security and so on. By studying the solutions to the above problems, the paper forecasts the development of the digital currency in China.