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THE SIGNIFICANCE OF DIGITAL MONEY ON MONETARY AND CREDIT THEORY, AND INFRUENCE ON MONETARY SYSTEM AND MONETARY POLICY

数字货币对货币信用理论的意义以及对货币体系和货币政策的影响

基本信息

批准号：
10630014
负责人：
MIWA Haruki
金额：
$ 1.09万
依托单位：
Tokai University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
1998
资助国家：
日本
起止时间：
1998 至 2000
项目状态：
已结题

项目摘要

We think as if the presence of digital money is elehind by electronic settlement means like as debit card, Internet-banking and new makes of bank (for example virtual bank). Electronic settlement means have limitations in the safety countermeasure for systemic risk and in the standardization of connecting various systems. These need high communication costs and charges on the store side, which can't be ignored. These problems can be avoided in case of digital money, and use of it will spread out from small payment gradually.We tried to clear the nature of digital money (in narrow sense) theoretically.1 Though original money was gold in market economy, bank note and deposit currency were born as the trust system was organized. They function as money though these are lent by trust (trust money). As the issuing rights are concentrated on the central bank, banks become to give credit by the deposit currency.2 There are two types of trust money, one is a deposit currency, in this case a buy … More er's payment directions document circulate, and the other is the bank note, the debt bill of the bank circulates. Deferent from the electronic settlement means which is the electronicization of the transferring of deposit currency, the digital money is electronicization of bank note circulate by the credibility of originator.In occasion, it may happen that the exclusive issue of the central bank collapses. Argument over the nature of digital money is the reprint of the currency controversy in 19-century England. At that time, though it was combined stemly by standard money (gold), bank note issue was eased gradually and the control currency system at present was built.The issue of the trust money isn't prescribed uniquely for the standard money (as gold).It is depend on how much digital money are presumed to be able to spread, digital money shall have what kind of influence on the financial system and on financial policy.We think the present argument is only an entrance, because we can think the situation that the digital money circulates widely not only as the transfer means, and he possibility that it stands on its own feet and circulates independently from the central bank note.If we pay attention to the way of using money as a communication tool, for example community currency, we can think about the market economy and the money altematively. The possibility of digital money will grow more by thinking of present market economy relative. Less

我们认为，数字货币的出现似乎是借记卡、网上银行和新的银行形式(如虚拟银行)等电子结算手段推动的。电子结算手段在应对系统性风险的安全对策和连接各系统的标准化方面存在局限性。这些都需要高昂的沟通成本和门店端的费用，这一点不容忽视。这些问题在数字货币的情况下是可以避免的，它的使用将从小额支付逐步扩展。我们试图从理论上澄清数字货币(狭义)的性质。1尽管在市场经济中原始货币是黄金，但随着信托制度的组织，钞票和存款货币诞生了。它们作为货币发挥作用，尽管它们是通过信托(信托资金)借出的。由于发行权集中在中央银行，银行变得以存款货币授信。信托货币有两种，一种是存款货币，在这种情况下是一种购买货币(Buy…更多的是呃的付款指示单据流通，另一个是钞票，银行的债务票据流通。与存款货币转移电子化的电子结算手段不同，数字货币是由发起人信用流通的纸币的电子化，有时还会发生中央银行独家发行崩溃的情况。有关数字货币性质的争论是19世纪英国货币争议的翻版。当时，虽然它是由标准货币(黄金)结合起来的，但钞票的发行逐渐放松，目前的管制货币体系已经建立起来。信托货币的发行并不是对标准货币(如黄金)唯一规定的。数字货币的发行取决于推定数字货币能够传播多少，数字货币对金融体系和金融政策将产生什么样的影响。我们认为现在的争论只是一个入口，因为我们可以认为数字货币广泛流通的情况不仅仅是作为转移手段，如果我们关注货币作为一种沟通工具的方式，比如社区货币，我们就可以从另一种角度来思考市场经济和货币。考虑到目前市场经济的相对状况，数字货币的可能性会更大。较少