Odaily星球日报讯 中金发布稳定币的经济学分析，其中指出：从持有人角度看稳定币是私人货币，不是政府货币，数字技术提升支付结算效率，但没有去中心化，从发行人角度看，稳定币模式类似“狭义银行”，不仅是负债。人民币已经有稳定币：微信支付、支付宝，从经济机制上看，第三方支付工具类的平台货币与稳定币具备相似功能。目前来看，稳定币在常规零售支付中的使用群体很小，应用场景受限。微信、支付宝、Apple Pay、PayPal 等第三方支付平台，已经形成网络效应和规模经济，具有在位者先发优势。美元稳定币增长潜力首先得益于美元国际货币地位，可以反过来促进美元化，以香港作为人民币稳定币受控试验田与监管纠偏场的积极角色，有利于平衡技术创新潜力与维护支付的公共品属性、金融稳定和国家货币主权等多维度的关系。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.