摘 要
数字货币的兴起为全球经济带来了深远影响，其背后的技术创新与金融模式变革成为研究的重要背景。本研究旨在探讨数字货币对全球经济的多维度影响，包括货币体系、国际贸易、金融稳定及监管政策等方面，并分析其潜在风险与机遇。研究采用定量与定性相结合的方法，通过构建数字货币经济影响评估模型，结合案例分析和跨国数据对比，深入剖析数字货币在全球范围内的传播机制及其经济效应。研究结果表明，数字货币显著提升了跨境支付效率，降低了交易成本，同时推动了金融普惠的发展；然而，其去中心化特性也对传统货币政策的有效性提出了挑战，并可能加剧资本流动的波动性。此外，本研究发现数字货币的广泛应用可能重塑全球货币格局，尤其是在新兴经济体中表现出更强的适应性和影响力。本研究的创新点在于首次提出了一种综合评估数字货币经济影响的框架，并将技术扩散理论与宏观经济学原理相结合，为理解数字货币的作用机制提供了新视角。主要贡献体现在为政策制定者提供科学依据，帮助其设计更加灵活和前瞻性的监管策略，同时也为企业和个人参与数字货币生态提供了理论支持。总体而言，数字货币作为一种新兴金融工具，其对全球经济的影响既具有革命性意义，也伴随着复杂的风险因素，需要在技术创新与制度建设之间寻求平衡。
关键词：数字货币；全球经济影响；货币体系变革；金融普惠；监管政策
Abstract
The emergence of digital currencies has brought profound impacts on the global economy, with the underlying technological innovations and financial model transformations forming a critical research context. This study aims to explore the multi-dimensional effects of digital currencies on the global economy, encompassing aspects such as monetary systems, international trade, financial stability, and regulatory policies, while analyzing their potential risks and opportunities. By employing a combination of quantitative and qualitative methods, this research constructs an evaluation model for assessing the economic impacts of digital currencies, supplemented by case studies and cross-country data comparisons, to thoroughly examine the dissemination mechanisms and economic effects of digital currencies on a global scale. The findings indicate that digital currencies have significantly enhanced the efficiency of cross-border payments, reduced transaction costs, and promoted financial inclusion; however, their decentralized nature challenges the effectiveness of traditional monetary policies and may increase the volatility of capital flows. Additionally, this study reveals that the widespread adoption of digital currencies could reshape the global monetary landscape, particularly demonstrating stronger adaptability and influence in emerging economies. The innovation of this research lies in proposing a comprehensive fr amework for evaluating the economic impacts of digital currencies, integrating technology diffusion theory with macroeconomic principles, thereby offering a new perspective on understanding the operational mechanisms of digital currencies. Its primary contributions include providing scientific evidence for policymakers to design more flexible and forward-looking regulatory strategies, as well as offering theoretical support for businesses and individuals participating in the digital currency ecosystem. Overall, as an emerging financial tool, digital currencies exert revolutionary influences on the global economy while being accompanied by complex risk factors, necessitating a balance between technological innovation and institutional development.
Keywords: Digital Currency; Global Economic Impact; Monetary System Transformation; Financial Inclusion; Regulatory Policy
目 录
一、绪论 1
（一）数字货币研究的背景与意义 1
（二）全球经济影响的研究现状综述 1
（三）本文研究方法与理论框架 2
二、数字货币对全球经济的基础性影响 2
（一）数字货币的概念与技术特征 2
（二）货币体系变革中的数字货币角色 3
（三）对传统金融基础设施的影响分析 3
（四）数字货币在国际支付中的应用潜力 4
三、数字货币对全球经济增长的驱动作用 4
（一）提升跨境交易效率的机制探讨 4
（二）对中小企业融资能力的促进作用 5
（三）数字货币与新兴经济体的发展机遇 5
（四）技术创新对生产力提升的间接影响 6
四、数字货币对全球经济的风险与挑战 6
（一）汇率波动与市场稳定性问题 6
（二）监管政策的适应性与协调性分析 7
（三）网络安全威胁及其应对策略 7
（四）数字鸿沟对全球经济公平性的潜在影响 8
结论 8
参考文献 10
致 谢 11
