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[20140917]波士顿联储:使用比特币在线购物可以省钱
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Topic: [20140917]波士顿联储:使用比特币在线购物可以省钱 (Read 971 times)
multiinone
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[20140917]波士顿联储:使用比特币在线购物可以省钱
September 17, 2014, 10:42:59 AM
#1
波士顿联邦储备银行近日发布了一份报告,报告指出数字货币背后的技术可能重塑全球支付业。
该报告的作者斯蒂芬妮·罗以及J·克里斯蒂娜这样说:“比特币作为货币? 关于比特币是否能够取代传统货币或者支付系统,我们并不是很肯定,但是比特币能够带给支付创新技术的东西不可估量。”
在全文中,这家美联储区域分银行探讨了关于数字货币能否被看作是货币,他们把它视作是交换媒介和价值存储方式。这与全球许多央行的观点有所不同,一般央行会先承认比特币的底层技术,但是会以比特币的价格波动问题,以及缺乏一个中央机构来调控风险为由看低数字货币。
然而,作者却认为,以比特币为代表的数字货币会成为电子商务的一个重要支付解决方案,尤其是越来越多的网络零售商开始接受数字货币。从长远来看,比特币将是取代波士顿联储现有“碎片化”以及“低效”的金融基础设施的候选系统。
高风险货币
总而言之,报告认为比特币能够满足货币的主要职能,但对于使用者和投资者来说,比特币还是存在着很大的风险性。
本文还考察了比特币在电子商务中扮演的作用,并与美元进行了对比。作者根据Overstock以及TigerDirect得到的数据,总结出使用比特币进行消费比用美元消费能够享受到更多的优惠,造成这一现象的原因在于,相比于信用卡2%-4%的交易费,商家接受比特币支付实际上是降低了支付处理费用,因此他们会乐意提供些许折扣,以此吸引客户前来购买。
报告接着表示,鉴于越来越多的零售商认可比特币,比特币的在线支付将成为该技术的主要用途。
当然,作者还认为商家愿意接受比特币,在很大程度上要归因于比特币支付处理商,他们替商家承担了比特币的价格波动风险。
比特币全球汇款还为时过早
作者还简单地谈到了比特币汇款的问题,当前,许多人认为比特币将是汇款业的催化剂,然而波士顿联储的观点却是,就数字货币目前的形式来看,想要成为廉价的全球支付手段还为时过早,目前,全球汇款市场的估值为5000亿美元,很多比特币相关的企业已经瞄准了这个应用方向,波士顿联储称,汇款能否成功,这要取决于发展中国家是否愿意整合比特币。
比特币的未来
波士顿美联储表示,比特币能否成功取决于很多因素,数字货币本身的技术会不断演变,但最重要的还是大众是否能够看懂这种技术,相比于现有的传统货币,他们是否愿意接受这种货币。
报告的作者也指出一些问题,他说:
“数字货币能够满足的基本需求是什么?比特币需要中介机构进行监管么?什么是比特币价格走势的主要驱动力?”
报告的结论:“仍然有很多有趣的东西有待探讨。”
简译:小蒙牛
原文:
http://www.coindesk.com/boston-fed-bitcoin-revolutionize-payments/
文章:
http://www.8btc.com/boston-fed-bitcoin-revolutionize-payments
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[20140917]波士顿联储:使用比特币在线购物可以省钱
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