网络经济学视角下的私人货币

货币是一种典型的网络产品。在直接网络外部性作用下,货币的演化具有标准化和统一化的趋势。但是,人们对支付工具的需求是差异化的,货币发行可以给发行者带来多种收益,因此市场上始终存在着私人货币生存的空间。电子私人货币的兴起是技术进步引发的金融创新,它对交易效率的提高是有益的,但私人货币不会威胁到法币的垄断地位。

THE PRIVATE MONEY FORM PERSPECTIVE OF NETWORK ECONOMICS

As a typical network product,the money evaluates with the feature of standardization and unification.However,the demand for exchange media and payment instrument is not homogeneous,and issuing the private money can bring the supplier the revenue,so there is still the existing space for the private money in the market.The rapid development of electronic private money is the outcome of financial innovation leaded by IT progress,and is beneficial to exchange efficiency,but it will not threat the monopolistic position of the fiat money.