金融科技下貨幣職能探究—以比特幣為例

本研究結合從比特幣本身作為一種金融科技技術角度出發，探討人口統計因素下比特幣貨幣職能的認知差異，針對性別、年齡、學歷、職業和收入五大不同變量因素，結合貨幣職能五大職能，探討比特幣貨幣職能的可行性。並以問卷作為研究方法。採用隨機抽樣的方式，向浙江省杭州市上城區民眾發放問卷，共計250份，回收193份，有效問卷193份，有效回收率77.2%，根據問卷回收和數據整理，用SPSS和LISREL統計軟件對193份有效問卷進行分析，通過分析得出結論。本研究發現不同年齡對在比特幣的價值尺度、儲藏手段、世界貨幣和流通手段認知有差異，發現40歲以下相對於41歲-50歲在價值尺度認知較高，同時在儲藏手段、世界貨幣、流通手段三個方面，發現40歲以下相對於41歲-50歲在儲藏手段、世界貨幣、流通手段認知較高，31歲-40歲相對於40歲以上在儲藏手段、世界貨幣、流通手段認知較高，同時發現不同職業在比特幣價值尺度和流通手段認知有差異，相對於非金融業，金融業在價值尺度和流通手段認知高。本研究之建議：1、對投資者之建議，金融從業者應利用自身對該領域的認知，搶先獲取先機，同時21歲-40歲的年輕族群應利用自身能力，快速的接受新鮮事物，從而獲得成長；2、對金融主管之建議，大陸從2017年11月起關停比特幣線上及線下交易所，金融主管應對具有高接受比特幣貨幣職能的金融從業者加強風險指導，加強監管力度，而對於具有較低接受比特幣職能的非金融從業者要加強比特幣相關知識的普及；3、對金融機構之建議，比特幣作為一種新型金融事物，同時又兼具高風險，可按照相關政策針對21歲-40歲這類族群開發相關金融產品。

關鍵字

比特幣；金融科技；人口統計因素；貨幣職能

並列摘要

This study combines bitcoin itself as a financial science and technology perspective to explore the cognitive differences in the currency functions of bitcoin under demographic factors, focusing on the five different variables of gender, age, education, occupation, and income, and combining the five functions of the currency function. Bitcoin currency function feasibility. And use the questionnaire as a research method. A questionnaire was randomly distributed to the residents of Shangcheng District, Hangzhou City, Zhejiang Province. A total of 250 questionnaires were collected, 193 were recovered, 193 were valid questionnaires, and the effective recovery rate was 77.2%. According to questionnaires and data collection, SPSS and LISREL statistical software were used. 193 valid questionnaires were analyzed and got conclusions. This study finds that different ages have different cognitions on bitcoin's value scales, storage methods, world currencies, and circulation methods. They find that 40-year old and 41-50-year-old have higher cognitions on the value scale, and they also use storage methods, world currencies, In three aspects of circulation, it was found that 40-year-old and 41-50-year-old had higher awareness of storage methods, world currencies, and circulation instruments, and 31-40 were more aware of storage methods, world currencies, and circulation instruments than those over 40. and at the same time, found that there are differences between the scale of Bitcoin value and the cognition of circulation means for different professions. Compared with non-financial industries, the financial industry has high cognition of value scale and circulation means. Suggestions for this study: 1. For investors' suggestions, financial practitioners should use their knowledge of the field to gain the initiative, while young people aged 21 to 40 should use their own abilities to better and faster acceptance. New things to grow up; 2. For financial executives, the mainland will shut down Bitcoin online and offline exchanges from November 2017 onwards. Financial supervisors should strengthen risk guidance for financial practitioners with high acceptance of Bitcoin currency functions. , strengthen supervision, and for non-financial practitioners with lower acceptance of Bitcoin functions to strengthen the spread of bitcoin-related knowledge; 3, on the proposal of financial institutions, Bitcoin as a new type of financial things, but also both high-risk In accordance with relevant policies, relevant financial products can be developed for ethnic groups 21 to 40 years old.