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題名 央行數位貨幣在跨境匯款上的應用研究
Study on the Application of Central Bank Digital Currency to Cross-Border Payments
作者 張語芹
Chang, Yu-Chin
貢獻者 陳恭
Chen, Kung
張語芹
Chang, Yu-Chin
關鍵詞 跨境匯款
央行數位貨幣
通匯銀行
金融科技
分散式帳本
Cross-Border Remittance Payment
Central Bank Digital Currency
Correspondent Bank
Financial Technology
Distributed Ledger Technology
日期 2023
上傳時間 2-Aug-2023 13:31:02 (UTC+8)
參考文獻 壹、中文部分
     1. 黃彥棻.(2017年10月13日)。[遠銀遭駭追追追]更多入侵細節大公開！18億元遠銀遭駭盜轉事件追追追。iThome。https://www.ithome.com.tw/news/117397。
     2. 中央銀行，中華民國支付及結算系統，2009年9月。
     3. 黃昱程. (2011年12月)。聯準會Fedwire 資金移轉系統及證券服務系統簡介。財金資訊季刊，第69期，60-65。
     4. 高嘉駿. (2018, February 5)。 淺談分散式帳本技術。 電腦科技電子報。https://www.syscom.com.tw/ePaper_New_Content.aspx?id=646&EPID=244&TableName=sgEPArticle。
     5. 市場先生. (n.d.). 電匯意思是什麼？國內銀行電匯手續費比較。Retrieved May 20, 2023, from https://rich01.com/how-bank-telegraphic-transfer-0。
     6. 中國人民幣數字人民幣研發工作組. (2021年7月)。中國數字人民幣的研究發展白皮書。Retrieved May 29, 2023, from http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/4293590/2021071614200022055.pdf
     
     貳、英文文獻：
     1. Adrian, T., Garratt, R., He, D., & Mancini-Griffoli, T. (2023). Trust Bridges and Money Flows: A Digital Marketplace to Improve Cross-Border Payments. IMF.
     2. Armknecht, F., Karame, G. O., Mandal, A., Youssef, F., & Zenner, E. (2015). Ripple: Overview and outlook. In Trust and Trustworthy Computing: 8th International Conference, TRUST 2015, Heraklion, Greece, August 24-26, 2015, Proceedings 8 (pp. 163-180). Springer International Publishing.
     3. The Clearing House. (n.d.). About CHIPS. Retrieved May 20, 2023, from https://www.theclearinghouse.org/payment-systems/CHIPS
     4. Adams, A., Lader, M. C., Liao, G., Puth, D., & Wan, X. (2023). On-Chain Foreign Exchange and Cross-Border Payments. Available at SSRN 4328948.
     5. McKinsey. (2022, October 13). Central bank digital currencies: An active role for commercial banks. Denecker, O., d’Estienne, A., Gompertz, P-M., & Sasia, E. Retrieved from https://www.mckinsey.com/industries/financial-services/our-insights/central-bank-digital-currencies-an-active-role-for-commercial-banks#.
     6. World Bank. (2021). Central Bank Digital Currencies for Cross-border Payments: A Review of Current Experiments and Ideas.
     7. Project Management Institution. (2022). Most Influential Projects 2021: Our top 50 list highlights compelling efforts across industries and around the world that have achieved significant milestones: 05 Sand Dollar. Retrieved from https://www.pmi.org/most-influential-projects-2021/50-most-influent-projects-2021/sand-dollar.
     8. Project Ubin Phase 5: Enabling Broad Ecosystem Opportunities. Monetary Authority of Singapore, 2020. Retrieved from https://www.mas.gov.sg/-/media/mas/projectubin/project-ubin-phase-5-enabling-broad-ecosystem-opportunities.pdf
     9. Project Jura: Cross Border Settlement Using Wholesale CBDC. Bank for International Settlements, 2021. Retrieved from https://www.bis.org/publ/othp44.pdf
     10. Project Dunbar: International Settlements Using Multi-CBDCs. Bank for International Settlements, 2021. Retrieved from https://www.rba.gov.au/payments-and-infrastructure/central-bank-digital-currency/pdf/project-dunbar-report-2022-03.pdf
     11. Project Inthanon-LionRock: Building a multi CBDC platform for international payments. Bank for International Settlements, 2021. Retrieved from https://www.bis.org/publ/othp40.pdf
     12. Project mBridge: Connecting economies through CBDC. Bank for International Settlements. October 2022. Retrieved from https://www.bis.org/publ/othp59.pdf
     13. Auer, R., Haene, P., & Holden, H. (2021). Multi-CBDC arrangements and the future of cross-border payments. BIS Papers.
     14. Soderberg, G., Bechara, M. M., Bossu, W., Che, M. N. X., Davidovic, S., Kiff, M. J., ... & Yoshinaga, A. (2022). Behind the scenes of central bank digital currency: Emerging trends, insights, and policy lessons.
     15. International Monetary Fund. (2023, April). IMF Approach to Central Bank Digital Currency Capacity Development.
     16. Maniff, J. L., & Wong, P. (2021, March). Stuck in the Middle: Observations from Intermediaries in Cross-Border Payments for CBDC Design. In Proceedings from Bank for International Settlements (BIS) conference on Pushing the Frontiers of Payments.
     17. DiCaprio, A., Lim, W., & Eckford, L. (2023). The future of financial liquidity: CBDCs and Automated Market-Making. R3.
     18. Drehmann, M., & Sushko, V. (2022). The global foreign exchange market in a higher-volatility environment.
     19. Connecting digital islands: Swift CBDC sandbox project. (2023, March). SWIFT results report.
     20. Options for access to and interoperability of CBDCs for cross-border payments: Report to the G20. (2022, July). Bank for International Settlements. Retrieved from https://www.bis.org/publ/othp52.pdf
     21. Top securities clearing house tests US CBDC use. (2022, April). The Asset. Retrieved from https://www.theasset.com/viewpoint/46553/top-securities-clearing-house-tests-us-cbdc-use
     22. Kiff, J., Gullo, A., Hillier, C., & Papapaschalis, P. (2022). Applying the Central Clearing Mandate: Different Options for Different Markets.
     23. DiCaprio, A., Lim, W., & Eckford, L. (2023). The future of financial liquidity: CBDCs and Automated Market-Making. R3.
     24. SWIFT (2020, March). SWIFT gpi-Cross border payments, transformed. Author.
描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
110363011
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0110363011
資料類型 thesis
dc.contributor.advisor 陳恭zh_TW
dc.contributor.advisor Chen, Kungen_US
dc.contributor.author (Authors) 張語芹zh_TW
dc.contributor.author (Authors) Chang, Yu-Chinen_US
dc.creator (作者) 張語芹zh_TW
dc.creator (作者) Chang, Yu-Chinen_US
dc.date (日期) 2023en_US
dc.date.accessioned 2-Aug-2023 13:31:02 (UTC+8)-
dc.date.available 2-Aug-2023 13:31:02 (UTC+8)-
dc.date.issued (上傳時間) 2-Aug-2023 13:31:02 (UTC+8)-
dc.identifier (Other Identifiers) G0110363011en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/146424-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 企業管理研究所(MBA學位學程)zh_TW
dc.description (描述) 110363011zh_TW
dc.description.tableofcontents 目次
     謝誌 II
     中文摘要 III
     ABSTRACT IV
     目次 V
     表目錄 VII
     圖目錄 VIII
     第一章 緒論 1
     第一節 研究背景 1
     第二節 研究動機與目的 2
     第三節 研究方法 3
     第四節 研究限制 4
     第五節 研究章節架構 6
     第二章 現有貨幣支付與清算系統 7
     第一節 現有的外匯交易模式 7
     第二節 現有服務模式所在缺點 9
     第三節 現有跨境匯款模式總結 12
     第三章 分散式帳本技術與現有貨幣技術的探討 14
     第一節 發行CBDC可能使用之分散式帳本技術 15
     第二節 現有貨幣技術探討 19
     第四章CBDC 發行模式與運作架構 27
     第一節 CBDC的跨境支付整合架構模型 27
     第二節 CBDC發行準則 32
     第五章 現有CBDC 個案分析與討論 35
     第一節 Project Ubin 35
     第二節 Project Jura 38
     第三節 Project Dunbar 40
     第四節 Project Inthanon-LionRock 42
     第五節 Project mBridge 43
     第六節 各項目重點整理 44
     第六章 跨境匯款挑戰與CBDC之解決方案 48
     第一節 缺乏付款狀態的透明度，可見性和確定性 48
     第二節 跨境支付服務的可用性受到限制 50
     第三節 高營運成本 52
     第四節 交易流程時間冗長 54
     第五節 跨境交易經過多個中介機構流程冗長且複雜 56
     第七章 結論與未來研究建議 59
     第一節 結論 59
     第二節 未來研究建議 62
     參考文獻 63		zh_TW
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0110363011en_US
dc.subject (關鍵詞) 跨境匯款zh_TW
dc.subject (關鍵詞) 央行數位貨幣zh_TW
dc.subject (關鍵詞) 通匯銀行zh_TW
dc.subject (關鍵詞) 金融科技zh_TW
dc.subject (關鍵詞) 分散式帳本zh_TW
dc.subject (關鍵詞) Cross-Border Remittance Paymenten_US
dc.subject (關鍵詞) Central Bank Digital Currencyen_US
dc.subject (關鍵詞) Correspondent Banken_US
dc.subject (關鍵詞) Financial Technologyen_US
dc.subject (關鍵詞) Distributed Ledger Technologyen_US
dc.title (題名) 央行數位貨幣在跨境匯款上的應用研究zh_TW
dc.title (題名) Study on the Application of Central Bank Digital Currency to Cross-Border Paymentsen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) 壹、中文部分
     1. 黃彥棻.(2017年10月13日)。[遠銀遭駭追追追]更多入侵細節大公開！18億元遠銀遭駭盜轉事件追追追。iThome。https://www.ithome.com.tw/news/117397。
     2. 中央銀行，中華民國支付及結算系統，2009年9月。
     3. 黃昱程. (2011年12月)。聯準會Fedwire 資金移轉系統及證券服務系統簡介。財金資訊季刊，第69期，60-65。
     4. 高嘉駿. (2018, February 5)。 淺談分散式帳本技術。 電腦科技電子報。https://www.syscom.com.tw/ePaper_New_Content.aspx?id=646&EPID=244&TableName=sgEPArticle。
     5. 市場先生. (n.d.). 電匯意思是什麼？國內銀行電匯手續費比較。Retrieved May 20, 2023, from https://rich01.com/how-bank-telegraphic-transfer-0。
     6. 中國人民幣數字人民幣研發工作組. (2021年7月)。中國數字人民幣的研究發展白皮書。Retrieved May 29, 2023, from http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/4293590/2021071614200022055.pdf
     
     貳、英文文獻：
     1. Adrian, T., Garratt, R., He, D., & Mancini-Griffoli, T. (2023). Trust Bridges and Money Flows: A Digital Marketplace to Improve Cross-Border Payments. IMF.
     2. Armknecht, F., Karame, G. O., Mandal, A., Youssef, F., & Zenner, E. (2015). Ripple: Overview and outlook. In Trust and Trustworthy Computing: 8th International Conference, TRUST 2015, Heraklion, Greece, August 24-26, 2015, Proceedings 8 (pp. 163-180). Springer International Publishing.
     3. The Clearing House. (n.d.). About CHIPS. Retrieved May 20, 2023, from https://www.theclearinghouse.org/payment-systems/CHIPS
     4. Adams, A., Lader, M. C., Liao, G., Puth, D., & Wan, X. (2023). On-Chain Foreign Exchange and Cross-Border Payments. Available at SSRN 4328948.
     5. McKinsey. (2022, October 13). Central bank digital currencies: An active role for commercial banks. Denecker, O., d’Estienne, A., Gompertz, P-M., & Sasia, E. Retrieved from https://www.mckinsey.com/industries/financial-services/our-insights/central-bank-digital-currencies-an-active-role-for-commercial-banks#.
     6. World Bank. (2021). Central Bank Digital Currencies for Cross-border Payments: A Review of Current Experiments and Ideas.
     7. Project Management Institution. (2022). Most Influential Projects 2021: Our top 50 list highlights compelling efforts across industries and around the world that have achieved significant milestones: 05 Sand Dollar. Retrieved from https://www.pmi.org/most-influential-projects-2021/50-most-influent-projects-2021/sand-dollar.
     8. Project Ubin Phase 5: Enabling Broad Ecosystem Opportunities. Monetary Authority of Singapore, 2020. Retrieved from https://www.mas.gov.sg/-/media/mas/projectubin/project-ubin-phase-5-enabling-broad-ecosystem-opportunities.pdf
     9. Project Jura: Cross Border Settlement Using Wholesale CBDC. Bank for International Settlements, 2021. Retrieved from https://www.bis.org/publ/othp44.pdf
     10. Project Dunbar: International Settlements Using Multi-CBDCs. Bank for International Settlements, 2021. Retrieved from https://www.rba.gov.au/payments-and-infrastructure/central-bank-digital-currency/pdf/project-dunbar-report-2022-03.pdf
     11. Project Inthanon-LionRock: Building a multi CBDC platform for international payments. Bank for International Settlements, 2021. Retrieved from https://www.bis.org/publ/othp40.pdf
     12. Project mBridge: Connecting economies through CBDC. Bank for International Settlements. October 2022. Retrieved from https://www.bis.org/publ/othp59.pdf
     13. Auer, R., Haene, P., & Holden, H. (2021). Multi-CBDC arrangements and the future of cross-border payments. BIS Papers.
     14. Soderberg, G., Bechara, M. M., Bossu, W., Che, M. N. X., Davidovic, S., Kiff, M. J., ... & Yoshinaga, A. (2022). Behind the scenes of central bank digital currency: Emerging trends, insights, and policy lessons.
     15. International Monetary Fund. (2023, April). IMF Approach to Central Bank Digital Currency Capacity Development.
     16. Maniff, J. L., & Wong, P. (2021, March). Stuck in the Middle: Observations from Intermediaries in Cross-Border Payments for CBDC Design. In Proceedings from Bank for International Settlements (BIS) conference on Pushing the Frontiers of Payments.
     17. DiCaprio, A., Lim, W., & Eckford, L. (2023). The future of financial liquidity: CBDCs and Automated Market-Making. R3.
     18. Drehmann, M., & Sushko, V. (2022). The global foreign exchange market in a higher-volatility environment.
     19. Connecting digital islands: Swift CBDC sandbox project. (2023, March). SWIFT results report.
     20. Options for access to and interoperability of CBDCs for cross-border payments: Report to the G20. (2022, July). Bank for International Settlements. Retrieved from https://www.bis.org/publ/othp52.pdf
     21. Top securities clearing house tests US CBDC use. (2022, April). The Asset. Retrieved from https://www.theasset.com/viewpoint/46553/top-securities-clearing-house-tests-us-cbdc-use
     22. Kiff, J., Gullo, A., Hillier, C., & Papapaschalis, P. (2022). Applying the Central Clearing Mandate: Different Options for Different Markets.
     23. DiCaprio, A., Lim, W., & Eckford, L. (2023). The future of financial liquidity: CBDCs and Automated Market-Making. R3.
     24. SWIFT (2020, March). SWIFT gpi-Cross border payments, transformed. Author.		zh_TW