In recent years，With the blockchain、Internet、The continuous development of mobile communication technology，Digital currency as a new currency form，Have received more and more attention。Current，Central banks in many countries will develop legal digital currencies on the agenda。Why do countries develop digital currencies? What impact will digital currency have on the financial sector and related research?。

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It is reported，Many central banks around the world have made substantial progress in the development of digital currency。

The Central Bank of Lithuania launched the world's first digital collection coin LBCoin in the world at the end of July。Although lbcoin is not a digital currency，It cannot be circulated，But its offering shows the posture of actively exploring digital currencies in the financial community。

French Central Bank of France, France of France, announced in May that it has successfully conducted a test using digital euro settlement; at the end of July, it was announced that 8 institutions had been selected to participate in digital euro tests used by banks.。

bet365 Play online games The Central Bank of Sweden also carried out the feasibility study of digital currency of the central bank before，and start testing their digital currency "E-Krona" (E-Krona)。

At the perspective of Ecole de Management Léonard de Vinci) professor of fintech professor of finance，Promoting the introduction of digital currencies in the introduction of digital currencies in various countries。

Banks based on cost -based considerations。Production、distribution、Manage or replacement of banknotes and coins is high，​​Especially small surface currency，Maximum production cost of 1 point or 2 cents for face value can reach 4 times the face value。But，Commercial banks cannot collect costs related to currency management from customers，Can only fill this expenditure with the income of other sources。

To work together to combat illegal crimes。Because cash can be traded anonymously，Digital currency based on blockchain technology，Perhaps it will help restrict fraud and corruption。

Current online payment、Wide application of payment methods such as mobile payment。Take Sweden as an example，In its domestic retail field，Customers who use cash payment have reduced from nearly 40 % in 2010 to 15 % in 2016。

Digital currencies launched by private institutions that can be used for cross -border payment and remittances have brought challenges Bet365 lotto review to the legal currency of various countries。This has prompted central banks of various countries to speed up the pace of research on digital currencies。

　It will have an important impact on the banking system

In the short term，Banknotes should not be replaced by digital currencies。France's Gleoro-Professor of Economics of the University of Alps-Jean-Fran? 觭 OIS Ponsot)，This is not only the user's rights and interests that cannot be performed for electronic payment，Also because of the abolition of banknotes facing important conceptual problems。Now，The currency issued by the central banks of various countries is the basic unit of the people's value measure。In a sense,，Currency is a contract about the right to exchange，It is an agreement between the owner，is based on trust。But，Most currency supply is not fulfilled in cash，but the bank's debt to deposit customers。Customers have the right to request banks to repay these debts in the form of cash，If banknotes are canceled，These deposits may become a number that represents only purchasing power，This will affect the people's confidence in currency。

The banking systems of various countries are currently divided into two levels of central banks and commercial banks。According to Fakadi Introduction，Central Bank is responsible Bet365 app download for ensuring the safety and integrity of the currency，Supply currency to generate the liquidity required for economic activities，Support economic growth。Commercial banks develop business for all sectors of the society，People can store their funds in the accounts opened by commercial banks，and commercial banks can transfer funds according to business needs or customer requirements。Individual and non -bank entities cannot directly obtain funds from the central bank，Must through commercial banks。If the digital currency is issued as the basic currency，Individual and non -bank entities can directly hold the central bank's digital currency account，You can handle loans and other businesses without passing commercial banks。This change may have an important impact on the current banking system。

　　Strengthen the study of the essence of currency

In the eyes of classical economists such as Adam Smith，Currency is the intermediary of the transaction，It is a means that can overcome the restrictions on the exchange and promote trade development，But the effect is just that。Keynes re -examined the function of the currency。In his opinion，The main function of the currency is to be a accounting unit，It is demanded by people because of its own value。For example，Compared with the inflation rate, it is zero but does bet365 Play online games not increase wages，People are more inclined to 5 % of the inflation rate at the same time increased by 5 %。Actually，In these two cases，Basically the same liquidity and purchasing power。Keynes and its theoretical supporters opened the road to the theory of currency theory。They think，Currency is generated according to economic demand，So it is endogenous; in the modern economy，The production of currency is the result of the bank's reaction to the credit demand of the economic subject。

In recent years，Digital currency、The emergence of ecological coins，Is calling economists to strengthen research on the currency itself，Not only currency as a tool in the economy sense。

Jézabel Couppeyran, the first University of Paris, Jizabel Couppey, told this reporter，Many contemporary macroeconomic models and microeconomics theories have overlooked the analysis of currency creation and currency circulation dynamic process to some extent。Take the banking industry as an example，When people analyze the issues related to the banking industry，Often banks only use banks as simple financial intermediaries to analyze their own problems，Ignoring related currency problems。Some scholars think，The impact on the overall level of price is the entire impact of currency on the economy，In their eyes，Currency bet365 best casino games seems to only be related to inflation problems。Until other scholars began to emphasize the contradictions of currency: currency represents the wealth that people desire，It is also a social bond。No matter what form of the currency exists，It is based on trust and public power。

Generally speaking，The academic community does not seem to give enough research on currency and related issues，Definition of currency、Nature and role still exist in a lot of controversy。The financial crisis in 2008 and the unwillingness to the financial system caused by all sectors of the society，Provides soil for currency innovation，Digital currency and other new things appear with new things，This also requires more studies in the academic community。Kupe-Su Bellan believes，Strengthen the study of the essence of currency，From the short term，helps prevent economic collapse; from the long term，Can help us cope with society、Population、Environment and other challenges。