摘要
以信息技术为支撑的数字金融,近年来获得了快速发展。数字金融,本质上依赖于“科技”的赋能,使金融体系更具包容性。加密数字货币,作为数字金融市场的新兴形式,在其价值日渐增强的同时,因技术的复杂性、监管的不到位,加密数字货币在很大程度上还处于监管无序状态,由此带来很多的风险和挑战。因此,本文探讨加密数字货币在替代传统金融资产方面的功能,梳理其存在的主要风险,就其规制策略提出完善建议。
Digital finance supported by information technology has achieved rapid development in recent years.Digital finance essentially relies on the empowerment of“technology”to make the financial system more inclusive.Encrypted digital currency is an emerging form of digital financial market,and while its value is increasing day by day,due to the complexity of technology and inadequate supervision,encrypted digital currency is still in a state of disorderly supervision to a large extent,which brings many risks and challenges.Therefore,this study discusses the function of encrypted digital currency in replacing traditional financial assets,sorts out its main risks,and puts forward improvement suggestions on its regulatory strategy.
作者
黄麟
HUANG Lin(Bank of Chongqing,Chongqing 400000)
出处
《中国商论》
2022年第5期81-83,共3页
China Journal of Commerce
关键词
数字金融
加密数字货币
功能
风险
规制措施
digital finance
encrypted digital currency
function
risk
regulatory measures