CN108629678A - Digital cash management method and system based on the triggering of economic scene condition - Google Patents
Digital cash management method and system based on the triggering of economic scene condition Download PDFInfo
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- CN108629678A CN108629678A CN201810252512.5A CN201810252512A CN108629678A CN 108629678 A CN108629678 A CN 108629678A CN 201810252512 A CN201810252512 A CN 201810252512A CN 108629678 A CN108629678 A CN 108629678A
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- 238000007726 management method Methods 0.000 title claims abstract description 23
- 238000004064 recycling Methods 0.000 claims abstract description 48
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Abstract
The invention discloses the digital cash management methods and system that are triggered based on economic scene condition, are related to digital cash technical field.One specific implementation mode of this method includes：When recycling digital cash, the economic information of recycling time point is obtained；When the economic information meets preset economic scene condition, interest rate is given back based on what the economic information adjusted the digital cash；The digital cash is recycled according to the interest rate of giving back after adjustment.The embodiment of the present invention can give back interest rate according to the economic information conversion period adjustment financial institution of recycling time point to the fund of digital note issuance unit, to reduce the cis-periodicity of financial institution's feature of risk and its behavior of lending, " liquidity trap " is avoided, realizes economic conversion period regulation and control.
Description
Technical field
The present invention relates to digital cash technical field more particularly to a kind of digital cash based on the triggering of economic scene condition
Management method and system.
Background technology
The transaction payment of existing legal tender be in real time, instantly, therefore the Central Bank to the control of currency be also in real time,
Instantly.Fig. 1 is the schematic diagram of money management method in the prior art.As shown in Figure 1, in t-1When, the Central Bank is based on instantly
Economic information formulates monetary policy, in t0When to business bank launch currency, business bank is in t1When by money advance give entity look forward to
Industry or invested assets market.Currency put into circulation instantly, the Central Bank is to lose control to currency, and whether currency can be final
Flow to entity department, whether can realize the policy goals that the Central Bank is intended to, give each side's strength except the Central Bank and
Because usually determining, regulate and control so as to cause the conversion period difficult.
Specifically, financial cis-periodicity exacerbates business cycle fluctuation, the policy problem of Central Bank of various countries is had become.For
The financial cis-periodicity of reply, the Central Bank of various countries on the basis for implementing the regulation and control of conversion period currency, take it is perspective provide,
Macroscopical prudential supervision measures such as dynamic is provided, conversion period capital buffers, but from the point of view of policy practice, still face not small challenge.
In terms of conversion period currency regulation and control, there is the problems of " rope, which can be drawn, to be pushed away ".After the outburst of international financial crisis in 2008, the U.S.
Implement more wheel quantitative easing monetary policies, American Federal Reserve committee's balance sheet expands 4.5 times, but due to the panic mood and wind of bank
Danger detests that degree is higher, and the extreme of currency loosely do not play increase loan supply, stimulates consumption, invests and Capital expenditure
Effect of stimulation, Josephs base of a fruit Lawrence Galitz are referred to as new " liquidity trap ".Currently, China M2 (broad money) continues
Less than M1 (macroeconomy) speedup, whether this represents remains dispute in " liquidity trap ".But it based on current economic downlink, puts
The background that risk rises is borrowed, banks' reluctance to lend or preference safety assets are undisputable fact.Bank of China believed in recent years
Speedup is borrowed constantly to decline.In terms of macroscopical prudential supervision, business bank can then evade the conversion period of Central Bank by financial innovation
Regulation and control.Since 2010, macroscopical prudential supervision constraint such as limitation is invested to evade capital adequacy ratio, loan-to-deposit ratio, industry, bank will
Business is transferred to off-balancesheet and channel service in table, and the development of shadow banking makes Central Bank get over the conversion period regulation and control of bank credit
Become difficult.
Therefore, the prior art is badly in need of solving caused by financial cis-periodicity " liquidity trap ".
Invention content
In view of this, the embodiment of the present invention provide a kind of digital cash management method triggered based on economic scene condition and
System can give back the fund of digital note issuance unit according to the economic information conversion period adjustment financial institution of recycling time point
Interest rate avoids " liquidity trap " to reduce the cis-periodicity of financial institution's feature of risk and its behavior of lending, realizes economical
Conversion period regulation and control.
To achieve the above object, one side according to the ... of the embodiment of the present invention provides a kind of based on economic scene condition
The digital cash management method of triggering.
Digital cash management method according to the ... of the embodiment of the present invention based on the triggering of economic scene condition, including：
When recycling digital cash, the economic information of recycling time point is obtained；
When the economic information meets preset economic scene condition, based on the economic information adjustment digital goods
Coin gives back interest rate；
The digital cash is recycled according to the interest rate of giving back after adjustment.
Optionally, the preset economic scene condition includes：The corresponding macroeconomy of economic information for recycling time point becomes
Amount exceeds variable threshold range.
Optionally, the macroeconomic variable is at least one of：Gross national product, economic growth rate, the country are raw
Production total value, consumption figure, amount of investment, savings ratio, money stock, government budget, unemployment rate, interest rate, the exchange rate, foreign trade are poor
Volume, international capital flow difference, inflation.
Optionally, the macroeconomic variable is inflation；The preset economic scene condition includes：If recycling time point
The corresponding macroeconomic variable of economic information be more than the variable threshold range maximum value, then adjust increasing described in give back interest rate；
If the corresponding macroeconomic variable of economic information for recycling time point is less than the minimum value of the variable threshold range, downgrade described
Give back interest rate.
Optionally, further include before recycling digital cash：
When issuing digital cash to financial institution, it sets the status information of the digital cash to active states；Alternatively,
It sets the status information of the digital cash to Pending The Entry Into Force state when issuing digital cash to financial institution, receives
The digital cash validation request that the financial institution sends, when the validation request meets at least one of, by the number
The status information of word currency is set as active states：
(1) the corresponding timing information of the validation request meets preset time point condition；
(2) validation request it is corresponding flow to main body and meet preset flow to bulk conditions；
(3) the corresponding loan interest rate of the validation request meets preset loan interest rate condition.
Another aspect according to the ... of the embodiment of the present invention provides a kind of digital cash triggered based on economic scene condition
Management system.
Digital cash according to the ... of the embodiment of the present invention based on the triggering of economic scene condition manages system, including：
Acquisition module obtains the economic information of recycling time point when recycling digital cash；
Determining module is adjusted when the economic information meets preset economic scene condition based on the economic information
The digital cash gives back interest rate；
Recycling module recycles the digital cash according to the interest rate of giving back after adjustment.
Optionally, the preset economic scene condition includes：The corresponding macroeconomy of economic information for recycling time point becomes
Amount exceeds variable threshold range.
Optionally, the macroeconomic variable is at least one of：Gross national product, economic growth rate, the country are raw
Production total value, consumption figure, amount of investment, savings ratio, money stock, government budget, unemployment rate, interest rate, the exchange rate, foreign trade are poor
Volume, international capital flow difference, inflation.
Optionally, the macroeconomic variable is inflation；The preset economic scene condition includes：If recycling time point
The corresponding macroeconomic variable of economic information be more than the variable threshold range maximum value, then adjust increasing described in give back interest rate；
If the corresponding macroeconomic variable of economic information for recycling time point is less than the minimum value of the variable threshold range, downgrade described
Give back interest rate.
Optionally, the system of the embodiment of the present invention further includes：Issuing module is used for：Before recycling digital cash,
When issuing digital cash to financial institution, it sets the status information of the digital cash to active states；Alternatively,
It sets the status information of the digital cash to Pending The Entry Into Force state when issuing digital cash to financial institution, receives
The digital cash validation request that the financial institution sends, when the validation request meets at least one of, by the number
The status information of word currency is set as active states：
(1) the corresponding timing information of the validation request meets preset time point condition；
(2) validation request it is corresponding flow to main body and meet preset flow to bulk conditions；
(3) the corresponding loan interest rate of the validation request meets preset loan interest rate condition.
One embodiment in foregoing invention has the following advantages that or advantageous effect：
(1) by the way that economic scene condition is arranged, financial institution can be adjusted according to the economic information conversion period of recycling time point
Interest rate is given back to the fund of digital note issuance unit, to reduce the suitable period of financial institution's feature of risk and its behavior of lending
Property, it avoids " liquidity trap ", realizes economic conversion period regulation and control；
(2) by the way that time point condition is arranged, it can effectively solve the problem that the sex chromosome mosaicism instantly of existing monetary policy operation, currency made to give birth to
The time point of effect is not limited to note issuance instantly, but is extended to the following a certain time point for meeting policy goals, reduces currency
Policy conducts time lag, and currency is avoided to dally；
(3) bulk conditions are flowed to by setting, can precisely launch qualitative digital cash, implements structural monetary policy,
Currency idle running is reduced, financial service real economy ability is improved；
(4) by the way that loan interest rate condition is arranged, effective real-time conduction of the benchmark interest rate to loan interest rate can be realized.
Further effect possessed by above-mentioned non-usual optional mode adds hereinafter in conjunction with specific implementation mode
With explanation.
Description of the drawings
Attached drawing does not constitute inappropriate limitation of the present invention for more fully understanding the present invention.Wherein：
Fig. 1 is the schematic diagram of money management method in the prior art；
Fig. 2 is the main stream of the digital cash management method according to the ... of the embodiment of the present invention triggered based on economic scene condition
The schematic diagram of journey；
Fig. 3 is showing according to the digital cash management method triggered based on economic scene condition of alternative embodiment of the present invention
It is intended to；
Fig. 4 is the main mould of the digital cash management system according to the ... of the embodiment of the present invention triggered based on economic scene condition
The schematic diagram of block.
Specific implementation mode
It explains to the exemplary embodiment of the present invention below in conjunction with attached drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
It arrives, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
The description to known function and structure is omitted for clarity and conciseness in sample in following description.
To achieve the above object, one side according to the ... of the embodiment of the present invention provides a kind of based on economic scene condition
The digital cash management method of triggering.
Fig. 2 is the main stream of the digital cash management method according to the ... of the embodiment of the present invention triggered based on economic scene condition
The schematic diagram of journey.As shown in Fig. 2, the digital cash management method based on the triggering of economic scene condition, including：
Step S201, when recycling digital cash, the economic information of recycling time point is obtained；
Step S202, it when the economic information meets preset economic scene condition, is adjusted based on the economic information
The digital cash gives back interest rate；
Step S203, the digital cash is recycled according to the interest rate of giving back after adjustment.
Economic information refers to the information being had an impact to economical operation.Economic scene condition refers to digital cash to be adjusted
Give back interest rate, the economic information for recycling time point needs the condition that meets.
Financial institution refers in the embodiment of the present invention, can obtain digital cash, simultaneously as the target of issue of digital cash
Digital cash is circulated to enterprise or individual etc. and flows to the mechanism of object.By taking China as an example, the financial machine in the embodiment of the present invention
Structure can be bank, including policy bank, business bank, villages and small towns bank；It can also be non-bank financial institution, include mainly
State-owned and share-holding system insurance company, urban credit cooperatives, securities broker company (investment bank), capital company etc.；Can also be
Foreign capitals, overseas Chinese funds, Chinese-foreign joint financial institution for being founded within the border etc..Any of the above financial institution is complementary to one another, and constitutes one
Complete system of financial institutions.By the way that economic scene condition is arranged, can be adjusted according to the economic information conversion period of recycling time point
Interest rate is given back to the fund of digital note issuance unit by financial institution, to reduce financial institution's feature of risk and its behavior of lending
Cis-periodicity, avoid " liquidity trap ", realize economic conversion period regulation and control.
By taking China Central Bank issues digital cash to business bank as an example.After business bank withdraws credit (in Fig. 3
t2Time point), digital cash is returned into the Central Bank.At this point, can be there are two types of pattern.One is giving back interest rate not adjustment modes,
I.e. business bank is according in digital cash distribution time point t0Determining policy rate is auctioned, Central Bank is given back.Another is to give back
Interest rate adjustment pattern：By legal digital coin systems according to t2The economic information of time point, judges whether it meets preset economy
Status condition, that is, judge whether preset economic scene condition triggers, if triggering (see the 4. economic scene triggering in Fig. 3),
Then interest rate is given back in adjustment, otherwise, does not adjust and gives back interest rate, and it is in note issuance time point t to give back interest rate still0Auction determining policy
Interest rate.
Obviously, the above design reduces the macroeconomy risk that financial institution (such as business bank) faces, when economical good,
The loan fund cost of financial institution (such as business bank) is improved, when economical bad, reduction financial institution (such as commercial silver
Row) loan fund cost, or even give and subsidize, to reduce the cis-periodicity row of financial institution (such as business bank)
For, and give the stable profit of financial institution (such as business bank) one and be expected, even if in economic depression, financial institution
(such as business bank) is also ready to make loans, to effectively solve to be led to due to financial institution (such as business bank) avoids risk
" liquidity trap " problem.
Preset economic scene condition may include：The corresponding macroeconomic variable of economic information of time point is recycled beyond change
Measure threshold range.The corresponding macroeconomic variable of economic information for recycling time point exceeds variable threshold range, it is believed that economic scene
Improper, can adjust digital cash at this time gives back interest rate.Recycle the corresponding macroeconomic variable of economic information of time point not
Beyond variable threshold range, it is believed that economic scene is normal, can give back interest rate with uncomfortable whole digital cash at this time.
Macroeconomic variable can be at least one of：Gross national product, economic growth rate, GDP,
Consumption figure, amount of investment, savings ratio, money stock, government budget, unemployment rate, interest rate, the exchange rate, foreign trade difference, world money
This balance of capital movements, inflation.For example, pre-setting inflation upper limit value and inflation lower limiting value, the economic information of time point is recycled
When corresponding inflation is higher than inflation upper limit value or less than inflation lower limiting value, it is believed that economic scene is improper；Conversely, recognizing
It is normal for economic scene.
If macroeconomic variable is inflation, preset economic scene condition may include：If recycling the economic letter of time point
The maximum value that corresponding macroeconomic variable is more than the variable threshold range is ceased, then adjusts and gives back interest rate described in increasing；If when recycling
The corresponding macroeconomic variable of economic information of point is less than the minimum value of the variable threshold range, then downgrades and described give back profit
Rate.For example, when the corresponding inflation of the economic information put upon recovery is higher than inflation upper limit value, show overheated economy, then
Adjusting to increase gives back interest rate a certain amplitude；Conversely, when the corresponding inflation of the economic information put upon recovery is less than inflation lower limiting value,
Show economic recession, then downgrade and give back interest rate a certain amplitude, in extreme circumstances, or even can will give back interest rate and be down to negative interest rate.
Can also include before recycling digital cash：
When issuing digital cash to financial institution, it sets the status information of the digital cash to active states；Alternatively,
It sets the status information of the digital cash to Pending The Entry Into Force state when issuing digital cash to financial institution, receives
The digital cash validation request that the financial institution sends, when the validation request meets at least one of, by the number
The status information of word currency is set as active states：
(1) the corresponding timing information of the validation request meets preset time point condition；
(2) validation request it is corresponding flow to main body and meet preset flow to bulk conditions；
(3) the corresponding loan interest rate of the validation request meets preset loan interest rate condition.
Time point condition refers to that digital cash to be made comes into force, and the time point of validation request needs the condition met.To financial institution
It sets the status information of digital cash to Pending The Entry Into Force state, when timing information meets preset time point item when issuing digital cash
It sets the status information of digital cash to active states when part, can effectively solve the problem that the property instantly of existing monetary policy operation is asked
Topic, makes the time point that currency comes into force be not limited to note issuance instantly, but is extended to following certain a period of time for meeting policy goals
Point, avoids currency from dallying, and reduces monetary transmission time lag.
Preset time point condition may include it is following any one：
(1) the corresponding timing information of validation request is not later than the preset time point that comes into force, such as the preset time point that comes into force is T1,
The corresponding time point of validation request is T, as T≤T1, it is believed that the corresponding timing information of validation request meets the preset time point that comes into force.
By taking China Central Bank issues digital cash to business bank as an example.Central Bank is sent out according to policy rate to business bank
Row digital cash.If Central Bank wishes that currency can be transmitted to real economy as early as possible, can be by the time point that comes into force of digital cash
It is set as " being not later than T1 time points (T1 is the desired time point that comes into force of Central Bank) ", if this means that business bank not by digital cash
It makes loans away before T1 time points, then corresponding digital cash will not come into force and (finally be recycled by Central Bank).For this purpose, business bank
Not small cost will be undertaken because of leave unused capital, then, the optimizing decision of business bank is to release credit before T1 time points, from
And reduce the time lag of currency idle running and monetary transmission.
(2) the corresponding timing information of validation request is no earlier than the preset time point that comes into force, such as the preset time point that comes into force is T1,
The corresponding time point of validation request is T, as T >=T1, it is believed that the corresponding timing information of validation request meets the preset time point that comes into force.
By making the time point that currency comes into force be not limited to note issuance instantly, but it is extended to following a certain time point.
(3) point range when the corresponding timing information of validation request is no more than preset come into force, such as the preset time point that comes into force
For T1~T2, the corresponding time point of validation request is T, as T1≤T≤T2, it is believed that the corresponding timing information of validation request meets pre-
If the time point that comes into force.
By the way that point range when coming into force of currency is arranged, convenient for effectively management digital cash.
When timing information meets following condition, it can be identified that the timing information meets preset time point condition：Time point
When information or before timing information, financial institution executes predetermined registration operation to digital cash.Predetermined registration operation may include：Financial machine
Digital cash is lent preset prospective borrower by structure.
By taking China Central Bank issues digital cash to business bank as an example.For example Central Bank wishes digital cash only in quotient
It can just come into force when industry bank externally provides a loan, then time point that digital cash can come into force is set as, " business bank is to business loan
Time point ", this is equivalent to come into force digital cash and be bound with commercial bank loans activity, if business bank is not to enterprise
Loan, currency does not come into force then, so as to avoid " idle running " of the digital cash in business bank's system.
Optionally, before setting the status information of the digital cash to active states, the method for the embodiment of the present invention
It can also include at least one of：
(1) the acquisition validation request is corresponding flows to main body, and confirms that the main body that flows to meets preset flow direction master
Concrete conditions in the establishment of a specific crime.
Flowing to bulk conditions refers to, digital cash to be made comes into force, and the corresponding main body that flows to of validation request needs the item met
Part.It can be enterprise, such as mortar businesses to flow to main body, can also be individual, and the embodiment of the present invention is not specifically limited this.
For example the Central Bank is intended to encourage the credit of mortar businesses, then the scope of subject that digital cash can come into force is set
It is set to " loan main body is mortar businesses ", this allows for digital cash and flows to mortar businesses, effectively realizes that policy is intended to.For another example
The Central Bank is intended to the credit of control real-estate market, then the scope of subject that digital cash can come into force is set as " loan
Main body cannot be program of real estate enterprise ", this just controls the fund for flowing to real-estate market, effectively realizes that policy is intended to.Furthermore
If the Central Bank is intended to the control too fast rise of assets price, the scope of subject that currency can come into force is set as " loan main body
Cannot be the buyer or investor of certain assets ", to effectively currency be avoided to dally, take off empty to reality.
Bulk conditions are flowed to by setting, can precisely be launched qualitative digital cash, be implemented structural monetary policy, reduce
Currency dallies, and improves financial service real economy ability.
(2) the corresponding loan interest rate of the validation request is obtained, and confirms that the loan interest rate meets preset loan profit
Rate condition.
Loan interest rate condition refers to that digital cash to be made comes into force, and the corresponding loan interest rate of validation request needs the item met
Part.
For example, prespecified when digital cash is issued, business bank must be equal to the loan interest rate of enterprise " to be sent out in loan
Life time point (such as the t in Fig. 31) benchmark interest rate " plus-minus is " in note issuance time point (such as the t in Fig. 30) the determining letter of auction
Borrow basis ".The former is the benchmark interest rate for meeting central banking policy intention, and the latter is then that business bank passes through in note issuance
Market is auctioned and determines credit basis.If the corresponding loan interest rate of validation request meets preset loan interest rate condition, will count
The status information of word currency is set as active states；Otherwise, continue to keep Pending The Entry Into Force state.Design in this way, commercial silver
Row not only reflects real-time benchmark interest rate to the loan interest rate of enterprise, while further comprising the commercial intention of business bank.Cause
This, is set by this condition so that benchmark interest rate can be effectively conducted in real time to loan interest rate.
Fig. 3 is showing according to the digital cash management method triggered based on economic scene condition of alternative embodiment of the present invention
It is intended to.As shown in figure 3, the Central Bank is based on the (t in Fig. 3 instantly-1Time point) economic information formulate monetary policy, digital cash
Management method includes：
The Central Bank issues digital cash, the letters such as prediction condition of Central Bank's setting by credit auction mechanism to business bank
Breath manages System Programming and storage by digital cash.(the t in Fig. 3 when digital cash is issued0Time point), digital cash is not given birth to
Effect.Information, that is, preset time point the conditions such as the prediction condition of Central Bank's setting are (for example, the corresponding time point of the validation request of digital cash
The t that must be not later than in Fig. 31Time point, if being later than t1Time point, then digital cash do not come into force；Or it is set as only when business bank borrows
When money occurs, digital cash just comes into force, and otherwise digital cash does not come into force；Specific time point condition is by the Central Bank according to policy goals
Flexibly setting), flow to bulk conditions, loan interest rate condition；
After digital cash distribution, business bank is in t1Time point is provided a loan outward.Credit information is sent to number by business bank
Currency managing system, request digital cash come into force；
After digital cash management system is connected to validation request, according to credit information, " the time point item of Central Bank's setting is judged
Whether part ", " flowing to bulk conditions ", " loan interest rate condition " meet.If satisfied, then digital cash comes into force；
It flows to after digital cash returns to financial institution by main body according to the loan interest rate of agreement, financial institution is by digital goods
Coin returns to the Central Bank, the removal process of this process, that is, digital cash.At this point, when determining recycling when recycling digital cash
Point obtains the corresponding economic information of recycling time point, and determines institute according to the economic information and preset economic scene condition
That states digital cash gives back interest rate.
Another aspect according to the ... of the embodiment of the present invention provides a kind of digital cash triggered based on economic scene condition
Management system.
Fig. 4 is the main mould of the digital cash management system according to the ... of the embodiment of the present invention triggered based on economic scene condition
The schematic diagram of block.As shown in figure 4, the digital cash based on the triggering of economic scene condition manages system 400, including：
Acquisition module 401 obtains the economic information of recycling time point when recycling digital cash；
Determining module 402 is based on the economic information tune when the economic information meets preset economic scene condition
The whole digital cash gives back interest rate；
Recycling module 403 recycles the digital cash according to the interest rate of giving back after adjustment.
Optionally, the preset economic scene condition includes：The corresponding macroeconomy of economic information for recycling time point becomes
Amount exceeds variable threshold range.
Optionally, the macroeconomic variable is at least one of：Gross national product, economic growth rate, the country are raw
Production total value, consumption figure, amount of investment, savings ratio, money stock, government budget, unemployment rate, interest rate, the exchange rate, foreign trade are poor
Volume, international capital flow difference, inflation.
Optionally, the macroeconomic variable is inflation；The preset economic scene condition includes：If recycling time point
The corresponding macroeconomic variable of economic information be more than the variable threshold range maximum value, then adjust increasing described in give back interest rate；
If the corresponding macroeconomic variable of economic information for recycling time point is less than the minimum value of the variable threshold range, downgrade described
Give back interest rate.
Optionally, the system of the embodiment of the present invention further includes：Issuing module (not shown), is used for：In recycling number
Before currency,
When issuing digital cash to financial institution, it sets the status information of the digital cash to active states；Alternatively,
It sets the status information of the digital cash to Pending The Entry Into Force state when issuing digital cash to financial institution, receives
The digital cash validation request that the financial institution sends, when the validation request meets at least one of, by the number
The status information of word currency is set as active states：
(1) the corresponding timing information of the validation request meets preset time point condition；
(2) validation request it is corresponding flow to main body and meet preset flow to bulk conditions；
(3) the corresponding loan interest rate of the validation request meets preset loan interest rate condition.
One embodiment in foregoing invention has the following advantages that or advantageous effect：
(1) by the way that economic scene condition is arranged, financial institution can be adjusted according to the economic information conversion period of recycling time point
Interest rate is given back to the fund of digital note issuance unit, to reduce the suitable period of financial institution's feature of risk and its behavior of lending
Property, it avoids " liquidity trap ", realizes economic conversion period regulation and control；
(2) by the way that time point condition is arranged, it can effectively solve the problem that the sex chromosome mosaicism instantly of existing monetary policy operation, currency made to give birth to
The time point of effect is not limited to note issuance instantly, but is extended to the following a certain time point for meeting policy goals, reduces currency
Policy conducts time lag, and currency is avoided to dally；
(3) bulk conditions are flowed to by setting, can precisely launch qualitative digital cash, implements structural monetary policy,
Currency idle running is reduced, financial service real economy ability is improved；
(4) by the way that loan interest rate condition is arranged, effective real-time conduction of the benchmark interest rate to loan interest rate can be realized.
Flow chart in attached drawing and block diagram, it is illustrated that according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part for a part for one module, program segment, or code of table, above-mentioned module, program segment, or code includes one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depended on the functions involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Above-mentioned specific implementation mode, does not constitute limiting the scope of the invention.Those skilled in the art should be bright
It is white, design requirement and other factors are depended on, various modifications, combination, sub-portfolio and replacement can occur.It is any
Modifications, equivalent substitutions and improvements made by within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (10)
1. the digital cash management method based on the triggering of economic scene condition, which is characterized in that including：
When recycling digital cash, the economic information of recycling time point is obtained；
When the economic information meets preset economic scene condition, the digital cash is adjusted based on the economic information
Give back interest rate；
The digital cash is recycled according to the interest rate of giving back after adjustment.
2. the method as described in claim 1, which is characterized in that the preset economic scene condition includes：Recycle time point
The corresponding macroeconomic variable of economic information exceeds variable threshold range.
3. method as claimed in claim 2, which is characterized in that the macroeconomic variable is at least one of：State's people's livelihood
Production total value, economic growth rate, GDP, consumption figure, amount of investment, savings ratio, money stock, government budget, unemployment rate,
Interest rate, the exchange rate, foreign trade difference, international capital flow difference, inflation.
4. method as claimed in claim 2, which is characterized in that the macroeconomic variable is inflation；The preset warp
Ji status condition include：If the corresponding macroeconomic variable of economic information for recycling time point is more than the variable threshold range most
Big value is then adjusted and gives back interest rate described in increasing；If the corresponding macroeconomic variable of economic information for recycling time point is less than the variable threshold
It is worth the minimum value of range, then downgrades and described give back interest rate.
5. the method as described in claim 1, which is characterized in that further include before recycling digital cash：
When issuing digital cash to financial institution, it sets the status information of the digital cash to active states；Alternatively,
It sets the status information of the digital cash to Pending The Entry Into Force state when issuing digital cash to financial institution, described in reception
The digital cash validation request that financial institution sends, when the validation request meets at least one of, by the digital goods
The status information of coin is set as active states：
(1) the corresponding timing information of the validation request meets preset time point condition；
(2) validation request it is corresponding flow to main body and meet preset flow to bulk conditions；
(3) the corresponding loan interest rate of the validation request meets preset loan interest rate condition.
6. the digital cash based on the triggering of economic scene condition manages system, which is characterized in that including：
Acquisition module obtains the economic information of recycling time point when recycling digital cash；
Determining module, when the economic information meets preset economic scene condition, described in economic information adjustment
Digital cash gives back interest rate；
Recycling module recycles the digital cash according to the interest rate of giving back after adjustment.
7. system as claimed in claim 6, which is characterized in that the preset economic scene condition includes：Recycle time point
The corresponding macroeconomic variable of economic information exceeds variable threshold range.
8. system as claimed in claim 7, which is characterized in that the macroeconomic variable is at least one of：State's people's livelihood
Production total value, economic growth rate, GDP, consumption figure, amount of investment, savings ratio, money stock, government budget, unemployment rate,
Interest rate, the exchange rate, foreign trade difference, international capital flow difference, inflation.
9. system as claimed in claim 7, which is characterized in that the macroeconomic variable is inflation；The preset warp
Ji status condition include：If the corresponding macroeconomic variable of economic information for recycling time point is more than the variable threshold range most
Big value is then adjusted and gives back interest rate described in increasing；If the corresponding macroeconomic variable of economic information for recycling time point is less than the variable threshold
It is worth the minimum value of range, then downgrades and described give back interest rate.
10. system as claimed in claim 6, which is characterized in that further include：Issuing module is used for：Recycling digital cash it
Before,
When issuing digital cash to financial institution, it sets the status information of the digital cash to active states；Alternatively,
It sets the status information of the digital cash to Pending The Entry Into Force state when issuing digital cash to financial institution, described in reception
The digital cash validation request that financial institution sends, when the validation request meets at least one of, by the digital goods
The status information of coin is set as active states：
(1) the corresponding timing information of the validation request meets preset time point condition；
(2) validation request it is corresponding flow to main body and meet preset flow to bulk conditions；
(3) the corresponding loan interest rate of the validation request meets preset loan interest rate condition.
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2018
- 2018-03-26 CN CN201810252512.5A patent/CN108629678A/en active Pending
Non-Patent Citations (1)
| Title |
|---|
| 姚前: "理解央行数字货币:一个系统性框架", 《中国科学:信息科学》 * |
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