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| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 李賢源 | |
| dc.contributor.author | Yuan-Juin Fuh | en |
| dc.contributor.author | 傅元駿 | zh_TW |
| dc.date.accessioned | 2021-06-17T08:16:53Z | - |
| dc.date.available | 2021-02-22 | |
| dc.date.copyright | 2021-02-22 | |
| dc.date.issued | 2021 | |
| dc.date.submitted | 2021-01-27 | |
| dc.identifier.citation | 一、中文文獻 1. Jason Liu，2020，前中國銀行行長：DCEP 要取代傳統貨幣體系，需滿足 4 大關鍵條件，https://www.blocktempo.com/former-bank-of-china-president-says-digital-yuan-can-replace-cash/，搜 尋日期：2020年05月30日。 2. 中央銀行，2018，數位金流與虛擬通貨－央行在數位時代的角色，https://www.cbc.gov.tw/tw/dl-24180-b79846086e904a609006a9ebbb40cd7f.html，搜尋日期：2020年4月17日。 3. 中央銀行，2019，央行發行數位通貨之國際趨勢，央行三月理監事會後記者會參考資料，https://www.cbc.gov.tw/dl-138463-e2aadbfc04cd4adb93f32e5776b0e134.html，搜尋日期：2020年4月17日。 4. 中央銀行，2020，國際間央行數位貨幣之最新發展趨勢，央行六月理監事會後記者會參考資料，https://www.cbc.gov.tw/dl-150533-c0f398c10ec44986add6b674677fc773.html，搜尋日期：2020年6月19日。 5. 王琍瑩，2019，Facebook 推出加密貨幣 Libra，如何影響未來三十年金融體系，https://www.inside.com.tw/article/16819-How-does-Libra-affect-the-financial-system-for-the-next-30-years，搜尋 日期：2020年05月08日。 6. 張紹勳，2000，研究方法，台中：滄海書局出版。 7. 楊金龍，2018，虛擬貨幣與數位經濟：央行在數位時代的角色，國立政治大學舉辦「金融科技生態系」高峰論壇演講詞。 8. 數字法幣研究社，2020，隱私保護：央行數字貨幣 DCEP 相較 Libra 的競爭優勢，https://www.chainnews.com/zh-hant/articles/906934182319.htm，搜尋日期：2020年05月15日。 9. 數字資產研究院CIDA，2020，中國法定數字貨幣：人民幣 1.0 到人民幣 3.0 的跨越，https://www.chainnews.com/zh-hant/articles/479773621939.htm，搜尋日期：2020年05月15日。 二、英文文獻 1. Auer, R, R Böhme and A Wadsworth. 2020. An introduction to public-private key cryptography in digital tokens. BIS Quarterly Review, p 73. 2. Bank of Canada. 2020. Technology Approach for a CBDC. Staff Analytical Note 2020-6. Available online: https://www.bankofcanada.ca/2020/02/staff-analytical-note-2020-6/ (accessed on 23 June 2020). 3. Bank of England. 2020. Central Bank Digital Currency - Opportunities, challenges and design. Discussion Paper. 4. Bank for International Settlements. 2018. Central bank digital currencies. Committee on Payments and Market Infrastructures (CPMI), BIS. Available online: https://www.bis.org/cpmi/publ/d174.pdf (accessed on 22 March 2020). 5. Bank for International Settlements. 2019. Wholesale Digital Tokens. Committee on Payments and Market Infrastructures, BIS. 6. Bank for International Settlements. 2020. Central banks and payments in the digital era. BIS Annual Economic Report. Available online: https://www.bis.org/publ/arpdf/ar2020e3.htm (accessed on 28 May 2020). 7. Bank for International Settlements. 2020. International banking and financial market developments. BIS Quarterly Review. 8. Bank of Thailand. 2019. Project Inthanon: An application of Distributed Ledger Technology for a decentralised Real Time Gross Settlement system using Wholesale Central Bank Digital Currency. 9. Bank of Thailand. 2019. Project Inthanon: Enhancing Bond Lifecycle Functionalities Programmable Compliance Using Distributed Ledger Technology. 10. Barontini, C., Holden, H. 2019. Proceeding with caution – a survey on central bank digital currency (Report No. 101). Bank for International Settlements. Available online: https://www.bis.org/publ/bppdf/bispap101.pdf (accessed on 27 May 2020). 11. Berentsen, A., Schar, F. 2018. The case for Central Bank Electronic Money and the non-case for Central Bank Cryptocurrencies. Economic Research, Federal Reserve Bank of St.Louis. Available online: https://research.stlouisfed.org/publications/review/2018/02/13/the-case-for-centralbank-electronic-money-and-the-non-case-for-central-bank-cryptocurrencies (accessed on 8 March 2020). 12. Carney, M. 2018. The Future of Money. Speech given to the inaugural Scottish Economics Conference on 2 March. 13. Codruta Boar, Henry Holden and Amber Wadsworth. 2020. A sequel to the survey on central bank digital currency. Monetary and Economic Department, BIS. 14. Eisenhardt, K. M. 1989. Building theories from case study research. Academy of management review 14(4), 532-550. 15. European Central Bank. 2020. Report on a digital euro. Available online: https://www.ecb.europa.eu/pub/pdf/other/Report_on_a_digital_euro~4d7268b458.en.pdf (accessed on 18 Oct 2020). 16. European Parliament. 2018. Cryptocurrencies and monetary policy. Available online: https://www.europarl.europa.eu/cmsdata/150000/BRUEGEL_FINAL%20publication.pdf (accessed on 1 July 2020). 17. Fan Y. 2020. Some Thoughts on CBDC Operations in China. Central Banking. 18. He, D., K. Habermeier, R. Leckow, V. Haksar, Y. Almeida, M. Kashima, N. Kyriakos-Saad, H. Oura, T. Saadi Sedik, N. Stetsenko, and C. Verdugo-Yepes. 2016. Virtual Currencies and Beyond: Initial Considerations. IMF Staff Discussion Note 16/03. 19. HKMA-BoT. 2020. Project Inthanon-LionRock: Leveraging Distributed Ledger Technology to Increase Efficiency in Cross-Border Payments. 20. International Monetary Fund (IMF). 2019. Staff Proposal to Update the Monetary and Financial Policies Transparency Code. Washington, D.C.: International Monetary Fund, May. 21. International Monetary Fund (IMF). 2020，June. A Survey of Research on Retail Central Bank Digital Currency. Monetary and Capitals Markets Department, Information Technology Department, and the World Bank. IMF Working Paper. 22. Khan, A. 2016. Central Bank Governance and the Role of Nonfinancial Risk Management. IMF Working Paper 16/32. Washington, D.C.: International Monetary Fund. 23. Kiffmeiste, 2020, Jurisdictions Where Retail CBDC Is Being Explored, Available online: https://kiffmeister.blogspot.com/2019/12/countries-where-retail-cbdc-is-being.html?m=1 (accessed on 24 Oct 2020). 24. Killingland, Mona ; Dahl, Lisa Blakstad. 2018. Central bank digital currencies – fad or the future - a framework for country level assessment of central bank digital currencies. Norwegian School of Economics. 25. Mancini-Griffoli, T., M.S. Martinez Peria, I. Agur, A. Ari, J. Kiff, A. Popescu, and C. Rochon. 2018. Casting Light on Central Bank Digital Currency. IMF Staff Discussion Note SDN/18/08. 26. Mats Bergman. 2020. Competitive aspects of an e-krona. Sveriges Riksbank Economic Review 27. McLeay, M, Radia, A and Thomas, R. 2014a. Money in the modern economy: an introduction, Bank of England Quarterly Bulletin 2014 Q1. 28. Morten Bech, Rodney Garratt. 2017. Central bank Cryptocurrencies. BIS Quarterly Review. Available online: https://www.bis.org/publ/qtrpdf/r_qt1709f.pdf (accessed on 19 May 2020). 29. Morten Linnemann Bech, Umar Faruqui, Frederik Ougaard and Cristina Picillo. 2018. Payments are a-changin' but cash still rules. BIS Quarterly Review. Available online: https://www.bis.org/publ/qtrpdf/r_qt1803g.htm (accessed on 20 May 2020). 30. Peter Gustafsson and Björn Lagerwall. 2020. The Riksbank’s seigniorage and the e-krona. Sveriges Riksbank Economic Review 31. Rachael King. 2020. The Central Bank Digital Currency Survey 2020 – debunking some myths. Central Banking. 32. Robert K. Yin. (2018). Case study research and applications: design and methods (Sixth Edition). Sage Publishing 33. Rochon, C., Popescu, A., Kiff, J., Ari, A., Agur, I., Martinez Peria, M. S., Mancini Griffoli, T. 2018. Casting Light on Central Bank Digital Currencies. International Monetary Fund. Available online: https://www.imf.org/en/Publications/Staff-Discussion-Notes/Issues/2018/11/13/Casting-Light-on-Central-Bank-Digital-Currencies-46233 (accessed on April 19, 2020) 34. Shah, D., R. Arora, H. Du, S. Darbha, J. Miedema, and C. Minwalla. 2020. Technology Approach for a CBDC. Bank of Canada Staff Analytical Note 2020-6. 35. Skingsley, C. 2016. Should the Riksbank issue e-krona? Sveriges Riksbank. Available online: https://www.bis.org/review/r161128a.pdf (accessed on April 5, 2020) 36. Staff Author. 2019. Money. Available online: https://www.investopedia.com/terms/m/money.asp (accessed on April 26, 2020) 37. Sun, T. 2020. Preconditions for Digital Money Adoption − What Can we Learn from Alipay? IMF Working Paper, forthcoming. 38. Ulrich Bindseil. 2019. Central Bank Digital Currency: Financial System Implications and Control. International Journal of Political Economy, 48: 303–335. 39. Walter Engert and Ben S. C. Fung. 2017. Central Bank Digital Currency- Motivations and Implications. Bank of Canada Staff Discussion Paper. 40. Ward, O., Rochemont, S. 2019. Understanding Central Bank Digital Currencies(CBDC). Institute and Faculty of Actuaries. Available online: https://www.actuaries.org.uk/system/files/field/document/Understanding%20CBDCs%20Final%20-%20disc.pdf (accessed on 27 May 2020). 41. World Economic Forum. 2020. Central Bank Digital Currency Policy‑Maker Toolkit. Insight Report 42. Yao, Q. 2018. A systematic framework to understand central bank digital currency. Science China Information Science. Available online: https://doi.org/10.1007/s11432-017-9294-5 (accessed on April 26, 2020) | |
| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/74016 | - |
| dc.description.abstract | 近年來，尤其是臉書倡議一項超主權貨幣天秤幣(Libra)計畫之後，中央銀行數字貨幣(CBDC)引起了公眾和監管機構的關注。流通現金的減少、私營企業電子貨幣的蓬勃發展以及穩定代幣的出現是中央銀行積極籌備發行CBDC的主要驅動力。融合國家信用與新型態分散式帳本技術(Decentralized Ledger Technology, DLT)提供各國央行發展更具彈性與配合未來多重政策目標的CBDC。 大多數國家從批發CBDC開始實驗，爾後於過去兩年逐漸轉向設計本國零售CBDC方案，以替代部分實體現金、提升本國支付便利性和實踐普惠金融。學術文獻和中央銀行已辨識出CBDC的主要屬性並提供概念性發行框架。可用性、匿名、移轉機制、計息、限制或上限是發行良好CBDC應考量的特徵。出於金融穩定，雙層結構是最常見的選擇，中央銀行將充當發行人，商業銀行將幫助向公眾分發CBDC。 本文中將瑞典（e-krona）和中國（人民幣DC / EP）列為兩個案例研究國家，主因其領先發展地位和文化比較性。自2019年以來，越來越多的國家加入央行數位貨幣探索行列，使其在數字時代繼續保有公眾對央行的信任。央行數位貨幣有潛力未來成為關鍵的金融基礎架構，支持相關創新和高效率跨境交易。 | zh_TW |
| dc.description.abstract | Central bank digital currency (CBDC) has caught public and regulatory attention in recent years, particularly after Facebook initiates a bold super sovereign currency project called Libra. Declining cash in circulation, thriving digital money adoption from private firms as well as emergence of stable coins are among main drivers to propel central banks’ proactive preparation for CBDC issuance. New decentralized ledger technology (DLT) on the back of sovereign credit empowers central banks to develop more flexible CBDC for multiple policy objectives. Most countries started with wholesale CBDC experiment while switching into designing own retail CBDC in past 2 years for partial substitute for physical cash, domestic payment efficiency and financial inclusion orientation. Literature and central banks have identified key CBDC attributes and provided conceptual issuance framework. Availability, anonymity, peer-to-peer transfer, interest-bearing and limits or caps are notable CBDC features. Two-tier structure is the most common choice for financial stability reason. Central bank will act as issuer and commercial banks will help distribute CBDC to the public. In this paper, Sweden (e-krona) and China (Renminbi DC/EP) are two case study countries due to their leading status and culture comparison. Since 2019, more countries have joined the CBDC exploration for maintaining public trust in central bank in ever digital era. CBDC has the potential to become a critical layer-one infrastructure supporting financial innovation and efficient cross-border transaction. | en |
| dc.description.provenance | Made available in DSpace on 2021-06-17T08:16:53Z (GMT). No. of bitstreams: 1 U0001-2601202118572000.pdf: 5390503 bytes, checksum: f2b531942b57631363679c90086b8227 (MD5) Previous issue date: 2021 | en |
| dc.description.tableofcontents | 目錄 口試委員審定書 i 致謝 ii 中文摘要 iii THESIS ABSTRACT iv 目錄 v 圖目錄 vii 表目錄 viii 第一章 緒論 1 第一節 研究背景 1 第二節 研究目的 4 第三節 研究範圍與限制 5 第四節 研究架構 6 第二章 文獻回顧 7 第一節 貨幣定義、CBDC屬性與央行發行動機相關研究 7 第二節 CBDC設計與風險相關研究 11 第三章 研究方法 15 第一節 研究架構之設計 15 第二節 個案研究法 15 第四章 CBDC定義、比較與設計架購 17 第一節 央行數位貨幣定義 17 第二節 CBDC與其他電子形式貨幣比較 19 第三節 CBDC設計架構 22 第五章 個案分析與討論 28 第一節 各國CBDC進程整理 28 第二節 瑞典CBDC相關進展 - 數位克朗e-krona 31 第三節 中國CBDC相關進展 - 人民幣DC/EP 35 第六章 結論與建議 41 參考文獻 43 圖目錄 圖1-1-1國際間央行評論CBDC正反面聲量與發行動機 2 圖1-1-2世界各大洲金融融入比例與依種族/收入分類擁有銀行服務比重 4 圖2-1-1國際間央行CBDC準備工作與類型調查 9 圖2-1-2 CBDC應用場景 10 圖2-2-1 設計發行CBDC之決策步驟 11 圖2-2-2 CBDC常規帳戶模型、代幣與分散式帳本技術選擇 13 圖2-2-3 CBDC常規帳戶模型與代幣模型差異 13 圖4-1-1 CBDC定位：貨幣之花 (The money flower: a taxonomy of money) 18 圖4-1-2 傳統中央銀行貨幣及新型CBDC 18 圖4-2-1 數字平台與傳統支付網路之比較 20 圖4-3-1 CBDC金字塔 24 圖4-3-2 CBDC體系結構 24 圖5-1-1 世界主要國家卡片支付與現金需求變化 2007 – 2016 28 圖5-1-2 各國央行研究CBDC的比率(左)與各國央行研究CBDC的類型分布(右) 29 圖5-2-1 各國M0佔 M1比重(%) 31 圖5-2-2 瑞典Swish手機APP使用人數(左)與現金流通量佔GDP(右) 32 圖5-2-3 瑞典央行e-krona先導試驗的概念性架構 34 圖5-3-1中國人民銀行CBDC運作架構 36 圖5-3-2 從資產負債表角度看 DCEP 在貨幣層級裏的地位 39 表目錄 表2-1-1央行儲備、商業銀行貨幣與CBDC屬性比較表 8 表3-2-1 Relevant Situations for Different Research Methods 16 表4-2-1 CBDC與傳統支付工具之比較 20 表4-2-2人民幣DC/EP 與Libra(天秤幣)、BTC(比特幣)之比較 21 表4-3-1 CBDC關鍵設計特徵 26 表5-1-1國際間CBDC 的主要發展策略 29 表5-1-2各國探索零售CBDC進程表 30 | |
| dc.language.iso | zh-TW | |
| dc.subject | 天秤幣 | zh_TW |
| dc.subject | 分散式帳本 | zh_TW |
| dc.subject | 雙層結構 | zh_TW |
| dc.subject | 穩定幣 | zh_TW |
| dc.subject | 人民幣 | zh_TW |
| dc.subject | 央行數位貨幣 | zh_TW |
| dc.subject | DLT | en |
| dc.subject | CBDC | en |
| dc.subject | Libra | en |
| dc.subject | DCEP | en |
| dc.subject | e-krona | en |
| dc.subject | Stable Coins | en |
| dc.subject | Two-tier Structure | en |
| dc.title | CBDC央行數位貨幣：動機與架構設計 －瑞典與中國個案研究 | zh_TW |
| dc.title | Central Bank Digital Currency : Motivation and Design Structure －Case Study on Sweden and China | en |
| dc.type | Thesis | |
| dc.date.schoolyear | 109-1 | |
| dc.description.degree | 碩士 | |
| dc.contributor.oralexamcommittee | 李宗培,陳業寧 | |
| dc.subject.keyword | 央行數位貨幣,天秤幣,人民幣,穩定幣,雙層結構,分散式帳本, | zh_TW |
| dc.subject.keyword | CBDC,Libra,DCEP,e-krona,Stable Coins,Two-tier Structure,DLT, | en |
| dc.relation.page | 47 | |
| dc.identifier.doi | 10.6342/NTU202100192 | |
| dc.rights.note | 有償授權 | |
| dc.date.accepted | 2021-01-28 | |
| dc.contributor.author-college | 管理學院 | zh_TW |
| dc.contributor.author-dept | 財務金融組 | zh_TW |
| 顯示於系所單位： | 財務金融組 | |
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