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着眼未来金融体系:用区块链开发国家数字法币是炒作?
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Topic: 着眼未来金融体系:用区块链开发国家数字法币是炒作? (Read 175 times)
hdd3go
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着眼未来金融体系:用区块链开发国家数字法币是炒作?
April 21, 2017, 12:00:22 PM
#1
用区块链建设数字法币已经不是什么新鲜事了。事实上,英国和中国等国家的货币机构正在考虑践行这一想法。
美联储波士顿分行的财政金融服务的副总裁Jim Cunha称,这项技术在银行业有更好的发展机会。
昨日,Cunha在区块链商业大会上发言:“当然,官方数字货币并不是什么容易的目标。”大会由《麻省理工科技评论》杂志和麻省理工媒体实验室主办。
Cunha还表示,虽然区块链技术有提高效率的潜力,但我们眼前面临着大量的技术和法律问题,例如如何处理定局问题——金融服务行业的“圣杯系统”。
Cunha告诉与会者:
电子转账是不能撤销的。美联储将永远,不可能撤回交易。而银行恰恰指望着这一点。当你和银行进行按揭交易时,你的律师必须等待银行回复说汇款到账。因为一旦契约生效,你就是房子的主人了。
他举了The DAO硬分叉的例子,来证明区块链去中心化的决定会给银行带来不少问题。
“试想一下,如果如果给所有的银行都设定一个机制:如果有超过51%的人决定撤销汇款,那汇款就撤销,”
Cunha还提到了另一些问题,例如区块链会影响人们对货币的信任和货币的风险模式。由于分布式账本通常会去除中间人,银行就必须采用一种完全不同的法律架构。
他说:“这可是一项十分复杂的大工程。”
找出问题
目前,区块链的炒作问题相当严重。Cunha指出,区块链的研究不只是未来寻找解决方案。研究者必须退一步,找出症结所在。
他告诉我们:
很多人都迫不及待地往前走,因为他们知道数字货币的光明未来,即将替代过时的纸张文化。但眼前需要解决的问题到底是什么呢?
他表示“世界最大经济体的货币供应”不是解决问题的正确开始。
而股票、衍生品和贸易协定才是区块链的最佳应用领域,既能减少摩擦、又能降低成本。
没有发行‘FedCoin’的计划
Cunha还澄清了FedCoin(美联储币)的谣言。2015年,美联储圣路易斯分行一经济学家在论文中提到了这个理论上的数字法币。
“我可以明确地告诉你,我们没有在特定时间或日期发行FedCoin的计划。”
而前英格兰银行高管,现麻省理工数字货币项目研究员Robleh Ali指出,当然,不同的银行有不同的判断。
Ali说,数字法币可以在银行系统之外不断进化。待技术成熟之时,银行就会采纳。我们完全可以这样预想。
他说:“我认为,数字法币最终会成为金融系统的基础。”
他总结道:“20或30年后,人们就会不断讨论这个话题。”
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