货币演化中的数字货币

Digital Money:A Perspective from the Evolution of Money

货币演化进程包括货币本位和货币形态两个方面,其总体趋势是走向更加稳定的货币和更加完善的货币制度。作为最新货币形态,数字货币广义上包含了电子货币与虚拟货币。数字货币的发展、作用与本质等问题与货币的产生、职能和本质等古老问题一样富有争议。从信用本质来看,作为社会惯例和公共产品,未来的法定数字货币应该实现“良币驱逐劣币”。

The evolution of money mainly consists of the development of monetary standard and formation of money.The tendency is a more stable money and a stricter system.Digital money,including electronic money and virtual money,comes into being with the development of the digital economy and the ICT.But there are many debates on its economic effect,role and status.In the essence of credit,legal digital money should be able to drive bad money out as a social institution and public goods.