摘要
数字货币作为近年来金融科技领域的一个重要创新,改变了人们的支付习惯,也对全球金融体系构成了重大影响。从比特币到以太坊,再到各国央行数字货币(CBDC)的探索,数字货币的发展引发了广泛的社会关注和学术研究。然而,数字货币的匿名性、去中心化特点以及其全球流通性,对传统金融体系的运行机制、监管框架以及金融安全提出了新的挑战。鉴于此,深入探讨数字货币对传统金融体系影响的具体表现、面临的主要挑战以及可能的应对策略,旨在为金融体系的适应和发展提供理论和实践指导。
Digital currency,as an important innovation in the field of financial technology in recent years,has changed people's payment habits and has also had a significant impact on the global financial system.From Bitcoin to Ethereum,and then to the exploration of central bank digital currencies(CBDC)in various countries,the development of digital currencies has attracted widespread social attention and academic research.However,the anonymity,decentralization,and global liquidity of digital currencies pose new challenges to the operational mechanisms,regulatory frameworks,and financial security of traditional financial systems.In view of this,the paper discusses the in-depth exploration of the specific manifestations of the impact of digital currency on the traditional financial system,the main challenges it facing,and possible response strategies,aiming at providing theoretical and practical guidance for the adaptation and development of the financial system.
作者
余博
YU Bo(Guangdong Open University,Guangzhou Guangdong 510091,China)
出处
《湖北开放职业学院学报》
2024年第16期160-161,167,共3页
Journal of Hubei Open Vocational College
基金
广东省教育厅2021年度普通高校重点科研项目“粤港澳大湾区农业生产性服务业发展模式研究”(项目编号:2021ZDZX4030)
广东省普通高校特色创新类项目“高职‘双高’院校举办职业本科数字化生态构建”(项目编号:2023WTSCX166)。
关键词
数字货币
金融体系
数字化
digital currency
financial system
digitization
作者简介
余博(1984-),女,甘肃景泰人,广东开放大学讲师,硕士,主要从事证券投资、农村金融、职业教育等研究。
