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| 題 名 | 加密貨幣技術變革及應用=Cryptocurrency Technology Changes and Applications |
|---|---|
| 作 者 | 王瑞祥; | 書刊名 | 經濟研究. 國家發展委員會經濟發展處 |
| 卷 期 | 25 2025.05[民114.05] |
| 頁 次 | 頁(7)1-(7)25 |
| 分類號 | 561.7 |
| 關鍵詞 | 加密貨幣; 區塊鏈; 金融科技; |
| 語 文 | 中文(Chinese) |
| 中文摘要 | 本研究探討加密貨幣技術的發展趨勢、應用場景、安全性與效率提升方法,以及面臨的挑戰。隨著區塊鏈技術的快速發展,加密貨幣正重塑全球金融格局,並朝向提升可擴展性、跨鏈互通性、隱私保護與智能合約優化發展。在應用上,去中心化金融(DeFi)、非同質化代幣(NFT)、企業級區塊鏈解決方案及中央銀行數位貨幣(CBDC)展現巨大潛力。安全性方面,形式化驗證、零知識證明(ZKP)、多重簽名及量子抗性密碼學等技術可應對現有威脅;效率提升則依賴共識機制改進、層二擴展方案及網絡優化。然而,加密貨幣仍受限於可擴展性、能源消耗與互操作性問題,並面臨法律不確定性、監管與去中心化理念衝突及社會接受度低等挑戰。本研究建議,未來應聚焦跨鏈互通性、隱私保護與智能合約安全性。業界應提升安全意識、推動標準化,並與監管機構合作。此外,跨學科研究將有助於解決加密貨幣技術的複雜挑戰。 |
| 英文摘要 | This study examines the development trends, applications scenarios, security and efficiency improvements, and challenges of cryptocurrency technology. With the rapid advancement of blockchain technology, cryptocurrencies are reshaping the global financial landscape, evolving toward greater scalability, cross-chain interoperability, privacy protection, and smart contract optimization. In terms of application, key areas, including decentralized finance (DeFi), non-fungible tokens (NFTs), enterprise blockchain solutions, and central bank digital currencies (CBDCs), show significant potential. For security enhancement, technologies such as formal verification, zero-knowledge proofs (ZKP), multi-signature schemes, and quantum-resistant cryptography help mitigate existing threats. Efficiency improvements rely on advancements in consensus mechanisms, layer-2 scaling solutions, and network optimizations. However, cryptocurrency technology still faces limitations related to scalability, energy consumption, and interoperability, alongside regulatory uncertainties, conflicts between decentralization and compliance, and limited social acceptance. This study suggests that future development should prioritize cross-chain interoperability, privacy protection, and smart contract security. Industry participants need to enhance security awareness, promote standardization, and collaborate with regulators. Additionally, interdisciplinary research will be crucial in addressing the complex challenges facing cryptocurrency technology. |
本系統中英文摘要資訊取自各篇刊載內容。