Digitalna valuta središnje banke

master's thesis

• Title (english): Central bank digital currency
• Author: Jelena Palić
• Mentor: Marijana Ivanov (mentor); MBZ: 210365
• Committee member: Gordana Kordić (predsjednik povjerenstva)
• Committee member: Martina Nakić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2019-09-25, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Svijest o digitalnim valutama raste diljem svijeta. Mnogobrojne zemlje se susreću sa sve manjom potražnjom za gotovim novcem i sve većom upotrebom bezgotovinskih načina plaćanja. U današnje vrijeme kada je jednostavnost upotrebe na prvom mjestu i kada Internet zauzima bitno mjesto u svakodnevnom životu ljudi, digitalne valute se čine kao idealno sredstvo plaćanja. Zbog mnogobrojnih prednosti koje pruža tehnologija distribuirane knjige i blockchain tehnologija, središnje banke su odlučile dizajnirati vlastitu digitalnu valutu. Digitalna valuta središnje banke (CBDC), u svoja 2 potencijalna oblika, bi bila ravnopravna zamjena za gotov novac i omogućila bi decentralizaciju platnog sustava. Cilj ovog rada je objasniti razvoj od povijesnih oblika novca do digitalne valute središnje banke, navesti prednosti i nedostatke CBDC i njen utjecaj na monetarnu politiku i platni sustav. Unatoč mnogobrojnim istraživačkim radovima i pilot projektima, ovo područje je i dalje nedovoljno istraženo te predstavlja predmet rasprava.

Abstract (english)

Awareness of digital currencies is growing worldwide. Numerous countries are facing decreasing demand for cash and, on the other hand, rapidly increasing use of cashless payment methods. Nowadays, when simplicity and ease of use comes first and the Internet plays an important role in people's daily lives, digital currencys are perceived like fitting means of payment. Due to many benefits of distributed ledger and blockchain technology, central banks have decided to design their own digital currency. Central Bank Digital Currency (CBDC), in its 2 potential forms, would be an equal substitute for cash and would allow for a decentralized payment system. The aim of this paper is to explain the evolution from historical forms of money to the central bank digital currency, as well as outline the advantages and disadvantages of the CBDC and its impact on monetary policy and the payment system. Despite comprehensive research papers and pilot projects, this area is still under-researched and is a prominent matter of debate.

• Keywords: novac; digitalna valuta; središnja banka; blockchain; tehnologija distribuirane knjige; platni sustav
• Keywords (english): money; digital currency; central bank; blockchain; distributed ledger technology; payment system
• Language: croatian
• URN:NBN: urn:nbn:hr:148:950051
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Closed access
• Repository: REPEFZG
• Created on: 2019-09-26 17:31:06