数字社会的货币体系

K. Summanen
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引用次数: 2

摘要

在本文中,我们研究了货币体系的各种模型。通过使用理想货币概念,我们发现目前几乎所有国家使用的两层货币体系模型都存在严重缺陷,其根本原因是使用银行发行的私人货币。结果表明,从数字社会经济的角度来看,货币体系的最优模型是由中央银行发行的主权货币流通的单层结构和单一货币体系。该模型的一个重要特征是货币体系与银行体系完全脱钩,从而防止了银行业务固有风险向基础经济的传播。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Monetary System for a Digital Society
In this paper, we examine various models of monetary systems. By using the ideal currency concept, we show that the two-tiered model of monetary system currently used in almost all countries has serious flaws, the root cause of which is the use of private currencies issued by banks.

It is shown that from the perspective of the economy of the digital society, the optimal model of monetary system is one with a single-tiered architecture and a single currency system in which circulates sovereign currency issued by the Central Bank.

An important distinctive feature of this model is that the monetary system is completely decoupled from the banking system, thereby preventing propagation of risks inherent to the banking business to the underlying economy.
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