吴思进：真正上升到另一个时代的，是以虚拟货币为抵押发行稳定币 Libra是 Facebook 发起的数字货币，最近最重磅的市场炸弹。北京时间2019年6月18日17时， Facebo...
资讯 2024-06-28 阅读:48 评论:0
Libra是Facebook发起的数字货币，最近最重磅的市场炸弹。
Libra is a digital currency launched by Facebook 北京时间2019年6月18日17时，Facebook宣布发行Libra白皮书。 On 18 June 2019, at 1700 hours Beijing time, “Libra 的使命是建立一套简单的、无国界的货币和为数十亿人服务的金融基础设施。” “Libra's mission is to create a simple, borderless currency and financial infrastructure for billions of people.” 这，是白皮书的开篇语。 This is the opening words of the White Paper. 一石激起千层浪。 One stone provokes thousands of waves. 有人看好，有人质疑；有人疯狂点赞，有人争议不休。 Some people look good, some question; some go crazy and some argue. “我们不能保证Libra或我们的相关产品和服务将及时提供，或是否能够提供。”在最新季度报告中，Facebook这样“通知”投资者。 “We cannot guarantee that Libra or our related products and services will be provided in a timely manner or that they will be available.” In the latest quarterly report, 但毋庸置疑，这是一次创新、一个挑战； But there is no doubt that this is an innovation, a challenge; 同样，不可否认，区块链的时代，已然崛起。 Similarly, it is undeniable that the era of block chains has risen. 那么，区块链从业者们，对此有何看法？ So, what are the views of the block chain practitioners? 火鸟财经特别专访区块链界的专家、学者------吴思进，为您带来Facebook的深度解读。 Firebird finance experts, academics and scholars specializing in the chain of blocks - Wu Si-jin, bring you an in-depth reading of Facebook. 观点 Perspective 1、从商业模式上来说，Libra的功能实质上和支付宝没有太大区别。 In terms of business models, the function of Libra is not substantially different from the payment of . 2、若隐私问题没法得到有效解决，发行稳定币Libra，可能会面临更大的问题。 2. If the issue of privacy cannot be effectively addressed, the issue of a stable currency, Libra, may face even greater problems. 3、技术并不是绝对的，还需要靠实际的应用。 3. Technology is not absolute and needs to be applied in practice. 4、真正上升另一个时代的，应该是以虚拟货币为抵押发行的稳定币。 4. The real upturn in another era should be in the form of a stable currency held hostage by a virtual currency. Q1：Facebook宣布发行Libra白皮书，在业界引起极大反响。请谈谈你对Libra的看法。 Q1: 吴思进：不少人都认为，Facebook发行稳定币是一个历史性的转折点；不过在我看来，只是一个过程。因为这是稳定币在发展中必然出现的事情。摩根、高盛、Facebook，未来还会有更多大鳄加入。 U Si Jin: A number of people believe that the issuance of a stable currency by is a historic turning point; but, in my view, it is only a process. This is what is inevitable in the development of a stable currency. Morgan, , Facebook , will have more alligator participation in the future. Q2：如何看待其锚定“一篮子货币”的行为？ Q2: What is to be seen as an act of anchoring a “basket of money”? 吴思进：锚定一篮子货币，并不一定是好事，反而可能会更加麻烦。不同的法币，其汇率都在不断变化，这对于后期的审计来说，是相当不利的。 Wu Si Jin: The anchoring of a basket of currencies is not necessarily a good thing, but may become more cumbersome. Different French currencies, with their exchange rates constantly changing, are quite unfavourable for later audits. 另外，这也有不透明的风险。举个反面例子，USDT，无论其是否增发，我们都不知道；Libra也是如此，虽然他们在银行储存了很多法币，但是即使挪用了，我们也无从知晓。 There is also a risk of opacity. To give the opposite, the USDT, whether or not it increases, we don't know; the same goes for Libra, who, even though they hold a lot of French coins in banks, we don't know if they've been diverted. Q3：在你看来，Facebook此举对传统行业以及区块链行业来说，会产生什么影响？ Q3: In your opinion, what impact does 吴思进：可能对于很多传统企业来说，这是个非常震撼的事情，因为突破了一些传统的想法和理念； U Si Jin: This may be a very shocking thing for many traditional businesses, because it has broken through some of the traditional ideas and ideas; 但是，很多业内人士对它的评价并不是很高，他们认为，Facebook发行稳定币本质上和支付宝的功能并没有什么区别，只是使用了区块链技术而已。 However, it is not highly valued by many practitioners who believe that the functions of Facebook to issue stable currency in nature and 所以我认为，其更多意义在于，让那些对区块链还有误解的人意识到，区块链是可以真正落地应用的技术。 So what I think is more important is to make those who still misunderstand the chain of blocks realize that the chain of blocks is a technology that can really be applied. Q4：你提到，Libra本质上和支付宝没有什么区别，如何具体理解？ Q4: You mentioned that Libra is not inherently different from 吴思进：Libra所发行的稳定币，锚定各国发行的法定货币，相当于是把法币存在银行后，再发行代币进行流转。所以从根本上而言，这还是一个中心化的东西，只是把原本通过银行、支付宝流转的货币，放到区块链上去流转，改变的只是流转的工具；就像支付宝是用数据库记账，Libra也可以用区块链来记账，只是技术上的升级，但从商业模式上来说，实质上和支付宝没有太大区别。 U Si Jin: The stable currency issued by Libra, which anchors the legal currency issued by countries, is the equivalent of a bank with the French currency in place and then issues the coins. So basically, it is a central thing, only to record the money through the bank, 你想，现在我们用支付宝、微信付款非常便捷，难道用区块链会更方便么？ Do you think it would be easier to pay the treasure at 似乎并没有。 That does not seem to be the case. 和USDT相比，Libra的信用肯定更好，但是业内观点普遍认为，至少现阶段，它并不一定会比支付宝更好。 Libra's credit is certainly better than that of the USDT, but there is general agreement within the industry that, at least at this stage, it will not necessarily be better than . Q5：Facebook发行Libra面临的最大问题是什么？ Q5: 吴思进：隐私的问题没法得到有效的解决。 Wu Si Jin: The issue of privacy cannot be effectively resolved. 早些时候，Facebook就曾面临过隐私泄露的问题，而此次在Libra的计划中，似乎也并没有提到要解决数据隐私的问题，只是提出要打造一个支付系统，且入会费十分昂贵。 Earlier, 而且，使用区块链技术，无论用户买了什么物品、支付了多少，都会变得公开透明，那么隐私问题反而会更加严重，因为你买的东西大家都能知道。 Moreover, the use of block chain technology, regardless of what the user buys and how much it pays, becomes open and transparent, and the issue of privacy becomes more serious, because what you buy is known to all. 因此现阶段，我还不太推荐大家尝试，若隐私问题没得到解决，可能会产生更加严重后果。 At this stage, therefore, I do not recommend that any attempt be made to have even more serious consequences if the issue of privacy is not resolved. 另一方面，联盟链最大的问题是：客户归属无法确认。既然组成了一个联盟，那么客户到底属于哪一方？利益又如何分配？ On the other hand, the biggest question in the chain of alliances is that customer attribution cannot be confirmed. If a coalition is formed, which side is the client? 所以，特别成功的联盟，几乎没有出现过。我觉得很多花了1000万美金进入Libra的企业，可能是抱着学习的心态，甚至有日后单独发展的打算。 So, a particularly successful alliance is almost non-existent. I think a lot of the 10 million dollars that went into Libra's business might be learning-minded and even having plans to develop alone in the future. Q6：Libra在其技术上是否有独到的优势？ Q6: Does Libra have a unique advantage in his technology? 吴思进：其实以当前的区块链技术，是完全够用的，或许他们的技术确实很厉害，但是技术并不是绝对的，还需要靠实际的应用。 Wu Si-jin: The current block chain technology is quite enough, and perhaps their technology is really good, but technology is not absolute and needs to be applied in practice. Libra此举的目的，是为了增加客户粘性，如果他不去做，也会有其他企业去做这样的事情。即使Facebook不发稳定币，也会有其他公司去发行。而且，发行稳定币的技术门槛并不高，所以最终看的，还是人们对此的信任度，毕竟Facebook的信任还是有保障的。 Libra's purpose is to increase customer stickyness, and if he doesn't do it, there will be other firms doing it. Even Q7：Facebook发行Libra会对现有金融领域会带来革命性的影响么？ Q7: 吴思进：从科技的角度来说，Facebook发行Libra后，的确会对金融领域造成一定影响，但这个影响不是革命性的。 Wu Si Jin: From a scientific and technological point of view, 尽管Facebook在传统行业中属于领先者，但是在区块链行业中还是相对较弱的。在中国，支付自由是一件非常简单的事情，如支付宝、微信支付；但是对于很多其他国家而言，支付自由还没那么普及，所以Libra对他们来说是一种很大的进步。 在我看来，Facebook此举是想跟上时代的步伐。 In my opinion, 但是不管过程如何，大家最终的目标，都是要解决老百姓的问题。 But whatever the process, the ultimate goal is to solve the problems of the civilian population. Q8：在你看来，数字支付时代的真正突破在哪？ Q8: In your opinion, where is the real breakthrough in the digital payment age? 吴思进：现阶段，Libra和支付宝、微信支付一样，都是以法币为抵押，所以他们其实是一个时代的东西。
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