法定数字货币在互联网投资借贷的应用研究

Study on the application of digital fiat currency in peer-to-peer investment and lending

当前互联网投资借贷平台存在资金挪用风险,缺乏有效手段保障资金安全和交易一致性.传统方式着重于加强对平台主体的评估和管控,以此间接保障交易和合同执行的安全,而本文提出了一种全新的基于法定数字货币的解决思路:基于法定数字货币钱包应用服务体系创造可信的运行环境,通过联合签名机制管控资金用途,解决资金安全问题,并利用钱包应用中的智能合约保障交易一致性,实现交易过程的公开透明、安全可控.目前陷入困境的互联网金融平台可借此转型,作为法定数字货币增值服务商,在数字货币生态体系中更透明、更规范地助力数字普惠金融创新.

Currently, peer-to-peer lending platforms are faced with the risk of funds misappropriation and lack effective means to ensure funds security and transaction consistency. The traditional method focuses on the assessment and control of the platform to indirectly guarantee the security of transactions and execution of contracts. This paper proposes a new solution based on digital fiat currency（DFC）, which creates a trusted operating environment via a DFC wallet application service system and uses joint signatures to monitor the flow of funds to ensure security. Moreover, the proposed solution implements smart contracts in DFC wallets to achieve transaction consistency in order to ensure that the transaction process is open, transparent, safe, and controllable.In this way, troubled Internet finance platforms can transform themselves into DFC value-added service providers,playing a more transparent and regulated role in promoting inclusive finance in the digital currency ecosystem.