为什么虚拟货币难成大器？

摘要

No matter how the evolution of the form of money, the essences and functions of money has never changed and lowering transaction costs is the objective law of the evolution of monetary system. Since virtual currency issued by private sector or individual doesn’t have legal status and reliable cred-it foundation, it cannot undertake the function of money as a unit of account. It makes no difference to lower transaction links and costs by serving virtual currency as the medium of exchange in real econo-my. It will make it much more costly to trade instead. The innovation in the Internet age should not vio-late the essence of things and the objective rules of history either. Therefore the attempt to withstand the complicated human nature by monotonous technicality, replace the reform of the institutions by techno-logical innovation and create an ideal currency is about to end in failure.%无论货币的形态如何演变，货币的信用本质和基本职能从未改变，节约交易成本是货币制度演变背后的客观规律。虚拟货币由于不具备可靠的信用基础而无法承担货币计价单位的职能，以其作为交易媒介用于真实经济不但不能减少交易环节和成本，反而极大地增加了交易成本。现代中央银行提供的公共服务不可或缺且不可替代。互联网时代的创新同样不能违背事物的本质和历史客观规律，企图以单调的技术性对抗复杂的人性，用技术创新代替制度改革，创造一种“理想的货币”，必然以失败告终。