基于Bitcoin和DCEP的数字货币发展研究

Research of the Development of Digital Currency Based on Bitcoin and DCEP

随着数字经济时代的到来,信息技术与金融经济融合已成为常态。在经历了数十年的发展之后,数字货币已由最初的E cash系统逐渐向基于区块链技术的分布式记账演变,并分化为私人数字货币和法定数字货币。前者具有不稳定、去中心化等特征,后者具有无限法偿性、稳定性等特征。文章基于学界对数字货币的前序研究,在以私人数字货币比特币(Bitcoin)为标的的相关研究基础上,认为中国进行央行法定数字货币(DCEP)试点,需要完善相关方案,做好安全性、过渡性和流畅性等后端保障工作;同时,应尽早推出监管措施和法律保障。

With the advent of the era of digital economy,the integration of information technology and financial economy has become the norm.After decades of development,digital currency has gradually transformed from the original E cash system to the distributed bookkeeping based on blockchain technology,and has been divided into private digital currency and legal digital currency.The former has the characteristics of instability and decentralization,while the latter has the characteristics of unlimited legal compensation and stability.Based on the previous research of digital currency in academic circles and the relevant research on Bitcoin,the paper holds that China should improve the relevant scheme and do well in the back end guarantee of security,transitional and fluency in the pilot of Digital Currency Electronic Payment.At the same time,the regulatory measures and legal protection should be launched as soon as possible.