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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/146354


    Title: 臺灣發行穩定幣之可行性分析
    The Feasibility Analysis of Taiwan Dollar Coin
    Authors: 周雲棠
    Chou, Yun-Tang
    Contributors: 彭金隆
    Peng, Jin-Long
    周雲棠
    Chou, Yun-Tang
    Keywords: 穩定幣
    新臺幣穩定幣
    Date: 2023
    Issue Date: 2023-08-02 13:15:59 (UTC+8)
    Abstract: 本研究以臺灣發行穩定幣之可行性為題,期透過相關文獻資料分析方法有效彙整穩定幣之開展歷程、發行類型、穩定機制、穩定效果、選用的評估模式、應用場景與監理之演進趨勢,就技術面、法規面、應用面及效益面來分析當下臺灣發行穩定幣的必要性及可行性,以利各界未來在政策規劃與國家金融治理上參酌。
    技術面:臺灣擁有全世界排名前五十大之虛擬通貨交易平台,並擁有完整區塊鏈技術研發能力,已建置資訊安全監控機制,可完整掌握智能合約發行架構技術及提供新臺幣穩定幣交易服務。
    法規面:發行法幣為擔保型式之新臺幣穩定幣,以躉售型批發銷售方式售予特定法人機構,經分析不屬公眾募資行為,也非證券交易法之證券交易範疇,亦未涉及銀行法之吸金行為。
    應用面:虛擬通貨特性為點對點交易、網路即時電子化交易、跨國普及性及降低清算的交易成本,並透過虛擬通貨交易平台實名制驗證之機制,可確實執行防制洗錢及打擊資恐。
    效益面:新臺幣穩定幣可降低實體型式法幣之維持成本、提升新臺幣之國際貨幣地位、有助於新臺幣之國際交易幣別轉換以降低換匯成本、手續費低廉可降低中小企業之金流成本、可避免戰爭時傳統金融機構無法運作之風險。
    綜合以上各方面之分析,臺灣發行新臺幣穩定幣應屬可行,惟虛擬貨幣平台業者於112年3月底方才確定主管機關為金管會,主管機關的指導原則及平台業者之自律規範正如火如荼討論中,並將循序漸進,進一步訂定相關作業辦法等行政命令,可能須待法規有更明確的規範之後再向主管機關提出發行申請,較能獲得主管機關之許可。
    Reference: 一、中文部分
    中央銀行(2016)。我國電子支付機制之發展-兼論央行對數位通貨之看法 (央行理監事會後記者會參考資料 2016.03.24)。 https://bit.ly/3tr8GCZ
    中央銀行(2018)。數位金流與虛擬通貨-央行在數位時代的角色 (央行理監事會後記者會參考資料 2018.09.27)。 https://bit.ly/3zYv2Op
    中央銀行(2021)。虛擬通貨近期發展及國際監管概況 (央行理監事會後記者會參考資料 2021.03.18)。 https://bit.ly/3jWeQrq
    王宏仁(2022)。CBDC四大潛力,評估五大風險找配套。3兆臺幣現金能不能有新流通形式?央行找來五大銀行試驗數位貨幣https://www.ithome.com.tw/news/151951
    楊金龍(2018)。虛擬貨幣與數位經濟:央行在數位時代的角色,2018年8月7日發表的演講內容https://www.cbc.gov.tw/tw/dl-23060-b154310697ef461886675d02ebf2bdfd.html
    楊金龍(2021)。「貨幣數位化與臺灣金融產業的未來」研討會中的演講詞:「央行貨幣的支付功能與CBDC的發行」。2021年10月14日發表的演講內容https://www.cbc.gov.tw/tw/dl-177989-65adf5960c2b4e26902bd881570e68c8.html
    楊金龍(2022)。「財金公司111 年度金融資訊系統年會」中的演講詞:「數位轉型的央行貨幣」中的報告。2022年6月29日發表的演講內容
    經濟部中小企業處(2021)。中小企業白皮書https://www.moeasmea.gov.tw/article-tw-2276-7454
    謝明華,李宜熹,王友珊(2021)。穩定幣的發行原理與潛在影響結案報告書



    二、外文部分
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    Alimi, R. S. (2012). The quantity theory of money and its long run Implications: Empirical evidence from Nigeria.
    Allied Market Research. (2021). Cryptocurrency Market By Offering (Hardware [ASIC, GPU, FPGA, and Others] and Software), Process (Mining and Transaction), Type (Bitcoin [BTC], Ethereum [ETH], Tether [USDT], Binance Coin [BNB], Cardano [ADA], Ripple [XRP], and Others), and End User (Trading, Retail & E-commerce, Banking, and Others): Global Opportunity Analysis and Industry Forecast, 2021-2030. Retrieved from https://www.alliedmarketresearch.com/crypto-currency-market
    Ametrano, F. M. (2016). Hayek money: The cryptocurrency price stability solution. Available at SSRN 2425270.
    Auer, R., Cornelli, G., & Frost, J. (2020). Rise of the central bank digital currencies: drivers, approaches and technologies. BIS Working Papers (No 880). https://www.bis.org/publ/work880.htm
    Berentsen, A., and Schär, F. (2019). Stablecoins: The quest for a low-volatility cryptocurrency. The economics of Fintech and digital currencies, 65-75
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    Description: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    105932156
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0105932156
    Data Type: thesis
    Appears in Collections:[經營管理碩士學程EMBA] 學位論文

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