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master's thesis
Digitalne valute središnjih banaka - koncepti i primjeri
Diplomski rad
2022. urn:nbn:hr:145:530310
Petrović, Ivica
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek

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Petrović, I. (2022). Digitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad (Master's thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:530310

Petrović, Ivica. "Digitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2022. https://urn.nsk.hr/urn:nbn:hr:145:530310

Petrović, Ivica. "Digitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2022. https://urn.nsk.hr/urn:nbn:hr:145:530310

Petrović, I. (2022). 'Digitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 16 April 2024, https://urn.nsk.hr/urn:nbn:hr:145:530310

Petrović I. Digitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2022 [cited 2024 April 16] Available at: https://urn.nsk.hr/urn:nbn:hr:145:530310

I. Petrović, "Digitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2022. Available at: https://urn.nsk.hr/urn:nbn:hr:145:530310

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Metadata
TitleDigitalne valute središnjih banaka - koncepti i primjeri : Diplomski rad
Title (english)Central Bank Digital Currencies - Concepts and Examples : Graduate paper
AuthorIvica Petrović
MentorDomagoj Sajter (mentor)
Committee memberIvan Kristek (predsjednik povjerenstva)
Committee memberDomagoj Karačić (član povjerenstva)
Committee memberDomagoj Sajter (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Osijek
Defense date and country2022-09-13, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Digitalno doba je i doba digitalnoga novca koji dominira maloprodajnim (eng. retail) tržištima. Većina središnjih banaka zapadnog svijeta zasad ne vrše ponudu novca u digitalnom obliku za građanstvo, koji predstavlja direktno njihovu obvezu, kao što je to slučaj sa fizičkim novcem. Time propuštaju priliku razviti alternativna rješenja koja se pojavljuju kako uslijed razvoja novih tehnologija, tako i uslijed pojavljivanja posrednika, entiteta iz privatnoga sektora koji upravljaju podacima građana na dvojben, pa i neetičan način, imaju oligopol kojim zloporabe svoj položaj. Alternativna rješenja mogu proizvesti paralelni platni sustav koji bi mogao ugroziti financijsku stabilnost ekonomije, sigurnost građana i institucija koje im služe. Nadalje on bi mogao zbunjivati neupućene sudionike financijskog sustava koji ne bi znali koji je točno novac javni, a koji privatni, te bi od države zasigurno potraživali zaštitu i u poslovanju s privatnim novcem. Ideja centralnobankarskoga digitalnog novca baštini ideju tehnologije lanca blokova (eng. blockchain) koja izvire iz kriptovaluta, ali izvedena je na drugačiji način, te sigurnog centraliziranog sustava kojem građani vjeruju. Pojavni oblik novca je povijesno evoluirao i može se reći da je oblik novca tranzitornog karaktera, te za središnju banku više nije opravdano nemati u ponudi novac u onoj formi za kojim postoji velika potražnja. U tijeku su razvojni napori koji trebaju dati odgovore na mnoga pitanja s tim u svezi.
Abstract (english)
The digital age is also the age of digital money that dominates retail markets. Most of the central banks of the western world currently do not offer money in digital form for citizens, which represents their direct obligation, as is the case with physical money. In this way, they miss the opportunity to develop alternative solutions that appear both as a result of the development of new technologies and as a result of the emergence of intermediaries, entities from the private sector that manage citizens' data in a dubious and even unethical way, they have an oligopoly that abuses their position. Alternative solutions can produce a parallel payment system that could threaten the financial stability of the economy, the safety of citizens and the institutions that serve them. Furthermore, it could confuse uninformed participants in the financial system who would not know exactly which money is public and which is private, and would certainly demand protection from the state in dealing with private money. The idea of a central bank digital money inherits the idea of blockchain technology, which originates from cryptocurrencies, but is executed in a different way, and of a secure centralized system that citizens trust. The appearance form of money has evolved historically and it can be said that the form of money is transitory in nature, and it is no longer justified for the central bank not to offer money in the form for which there is a great demand. Development efforts are underway that should provide answers to many related questions.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:530310
Study programmeTitle: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2023-05-05 12:22:44