国际清算银行-Finternet：面向未来的金融体系（英）-2024.4-44页

BISWorkingPapersNo1178Finternet:thefinancialsystemforthefuturebyAgustínCarstensandNandanNilekaniMonetaryandEconomicDepartmentApril2024JELclassification:E42,F33,G21,G23.Keywords:paymentsystems,financialsystem,financialintermediaries,financialinstruments,currency,digitalinnovation,unifiedledgers,tokenisation.BISWorkingPapersarewrittenbymembersoftheMonetaryandEconomicDepartmentoftheBankforInternationalSettlements,andfromtimetotimebyothereconomists,andarepublishedbytheBank.Thepapersareonsubjectsoftopicalinterestandaretechnicalincharacter.TheviewsexpressedinthemarethoseoftheirauthorsandnotnecessarilytheviewsoftheBIS.ThispublicationisavailableontheBISwebsite(www.bis.org).©BankforInternationalSettlements2024.Allrightsreserved.Briefexcerptsmaybereproducedortranslatedprovidedthesourceisstated.ISSN1020-0959(print)ISSN1682-7678(online)Finternet:thefinancialsystemforthefutureAgustínCarstensandNandanNilekani1,2AbstractThispaperlaysoutavisionfortheFinternet:multiplefinancialecosystemsinterconnectedwitheachother,muchliketheinternet,designedtoempowerindividualsandbusinessesbyplacingthematthecentreoftheirfinanciallives.Itadvocatesforauser-centricapproachthatlowersbarriersbetweenfinancialservicesandsystems,thuspromotingaccessforall.Theenvisionedsystemleveragesinnovativetechnologiessuchastokenisationandunifiedledgers,underpi...