Blokzincir Teknolojisi Kapsamında Merkez Bankası Dijital Para Birimleri: Dijital Banka Hücumları ve Tasarım İlkeleri Üzerine Tartışma

Yıl 2021, Sayı: 27, 699 - 709, 30.11.2021

Muhammet Doğan Gökhan Övenç

https://doi.org/10.31590/ejosat.916233

Cited By: 1

Öz

Dijital para birimlerinin yükselişi ve arkasındaki teknoloji olan “blokzincir” pek çok alanda büyük ilgi görmektedir ve BIS'in 2018 raporuna göre katılımcı merkez bankalarının %86'sı aktif bir şekilde söz konusu teknolojiyle ilgili çalışmalar yürütmektedir. Çalışma, CBDC'nin çıkarılmasıyla para politikası araçlarındaki olası genişlemeye ışık tutmaya çalışmaktadır. Bu nedenle, kâğıt paranın kısmen ikame edilmesini önermektedir. Bu çalışmada CBDC'yi ve dijital banka hücumlarıyla ilgili olası çözümleri içeren bir para sistemi için dört tasarım ilkesi belirtilmiş ve tartışılmıştır.

Anahtar Kelimeler

Merkez Bankası Dijital Para Birimleri, Blokzincir, Geleneksel Olmayan para politikası, Dijital Banka Hücumları

Central Bank Digital Currencies under Blockchain Technology: Discussion of Digital Bank Runs and Design Principles

Öz

The rising of digital currencies and the technology behind them, “blockchain,” draws much attention in many areas. According to the 2021 report of BIS, 86% of the participant central banks are actively researching the potential in this technology. This study attempts to shed light on possible expansion in monetary policy tools by the issuance of CBDC. Thus, it suggests a partial substitution of paper currency. Four design principles have been stated and discussed for a monetary system that includes CBDC and possible solutions regarding the digital bank run.

Anahtar Kelimeler

Central Bank Digital Currencies, Blockchain, Unconventional Monetary Policy, Digital Bank Runs

Kaynakça

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