加密货币和区块链技术如何在构建社会互惠金融中发挥作用

加密货币和区块链技术如何在构建社会互惠金融中发挥作用
UNRISD Working Paper, No. 2016-1
作者: Scott, Brett

摘要：作为去中心化数字货币的比特币，以及其底层的“区块链”技术在技术界引起了很大轰动，但其建立真正的社会互惠金融的潜力尚未得到检验。本文提供了有关比特币基础知识的入门知识，并讨论了有关该技术提升汇款效率，促进金融普惠，完善合作结构乃至小额保险系统潜力的现有叙述。本文还指出了潜在的关注点和冲突，如围绕比特币的一些技术初创企业的"解决方案主义"和保守的自由主义政治动态。作为对比，本文认为“区块链2.0”技术具有更明显的社区主义理想，并且具有创造“大规模合作”的潜力。最后，本文对今后研究提出了建议。

How Can Cryptocurrency and Blockchain Technology Play a Role in Building
Social and Solidarity Finance

Abstract: The decentralized digital currency Bitcoin—and its underlying “blockchain” technology—has created much excitement in the technology community, but its potential for building truly empowering social and solidarity-based finance has yet to be tested. This paper provides a primer on the basics of Bitcoin and discusses the existent narratives about the technology’s potential to facilitate remittances, financial inclusion, cooperative structures and even micro-insurance systems. It also flags up potential points of concern and conflict; such as the tech-from-above “solutionism” and conservative libertarian political dynamics of some of the technology start-up community that surrounds Bitcoin. As a way of contrast the paper considers “blockchain2.0” technologies with more overtly communitarian ideals and their potential for creating “cooperation at scale”. It concludes with suggestions for future research.

翻译：吴荣斌

CAFR区块链应用研究
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