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《大行》平安證券列出穩定幣與虛擬貨幣及央行數字貨幣主要區別(表)
平安證券表穩定幣報告,列出穩定幣與虛擬貨幣及央行數字貨幣主要區別: 1)穩定幣 發行人:私人發行人 安全性:發行人主體信用;對應抵押資產價值 價格波動:易受衝擊 使用場景:加密貨幣之間交易 價格穩定性:市場價值與美元或黃金等「穩定的」儲備資產掛鉤的非主權的數字加密貨幣 資產支持:參照單一資產或一組或一籃子資產以穩定價值 可編程性:都是基於區塊鏈技術的應用 可兌換性:以美元穩定幣為例,美元穩定幣可以1:1匯率兌換為美元 2)央行數字貨幣 發行人:中央銀行 安全性:國家信用 價格波動:法定數碼貨幣 使用場景:可直接購物 價格穩定性:與法幣價值相同 資產支持:國家主權信用背書,具有無限法償能力 可編程性:- 可兌換性:無限法償 3)虛擬貨幣 發行人:私人發行人 安全性:基於區塊鏈編程的不可篡改性 價格波動:價格波動較大 使用場景:加密貨幣之間交易 價格穩定性:虛擬貨幣的屬性實際上與股票是完全一致的,是一種投資屬性的金融產品 資產支持:不需要國家主權背書、不需要任何實際資產掛鉤 可編程性:都是基於區塊鏈技術的應用 可兌換性:一種特定的虛擬商品,不具有與貨幣等同的法律地位,不能且不應作為貨幣在市場上流通使用
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