ارزیابی اثرات توسعه فناوری رمزارزها بر آینده نظام اقتصادی و بانکی کشور با استفاده از مدل‌های تصمیم‌گیری چندمعیاره

نوع مقاله : مقاله پژوهشی

نویسندگان

1 گروه علوم اجتماعی و رفتاری پردیس بین المللی کیش دانشگاه تهران - کیش - ایران

2 دانشکده اقتصاد، دانشگاه تهران، تهران، ایران

چکیده

پیشرفت فناوری‌های فضای سایبر، به‌گونه‌ای حوزه اقتصاد را متحول نموده است که اقتصاد دیجیتال به یکی از تاثیرگذارترین پیشران‎های توسعه کشورها مبدل شده است. فناوری رمزارزها به عنوان یکی از مهم‌ترین مؤلفه‌های اقتصاد دیجیتال فرصت‎ها و تهدیداتی برای کشورها به همراه دارد که عدم توجه بهنگام و اتخاذ سیاست‎های کارا در نظام اقتصادی و بانکداری، می‌تواند ضربات جبران‌ناپذیری را وارد نماید. در این مقاله با در نظر گرفتن معیارهای سه‌گانه اقتصاد کلان و سرمایه‌گذاری، اقتصاد خرد و فنی و معیارهای سیاسی، امنیتی و قانونی و با استفاده از روش تحلیل سلسله مراتبی برای وزن‎دهی به معیارها و محاسبه میزان معیارها به ارزیابی و اولویت‎بندی گزینه‎های مختلف پول (رمزارز، پول الکترونیکی و...) پرداخته شده است و اثرات فناوری رمزارز بر اساس این سه معیار بر نظام پولی و بانکی تحلیل گردید. در بین 24 معیاری که خبرگان اوزان هر یک را تعیین کردند عدم خلق پول و کنترل تورم در رتبه اول اثرات مثبت فناوری رمزارز بر نظام بانکداری قرار دارد. نتایج حاصل از این پژوهش نشان می‎دهد زیر معیارهای اقتصاد کلان و سرمایه گذاری در توسعه فناوری رمز ارز و پول الکترونیکی در نظام اقتصادی و بانکی آینده کشور بیشترین تاثیر را دارد.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

Evaluation the effects of cryptocurrency technology development on the future of country's economic and banking system using multi-criteria decision-making models

نویسندگان [English]

  • Alireza Rahimi 1
  • Sajad Barkhordari 2
1 University of Tehran Kish International Campus Department of Social and Behavioral Sciences kish iran
2 Faculty of Economics. University Of Tehran.Tehran. Iran
چکیده [English]

The progress of cyberspace technologies has transformed the economy in such a way that the digital economy has become one of the most influential and effective drivers of countries' development. Cryptocurrency technology, as one of the most important components of the digital economy, brings opportunities and threats to countries. In fact, lack of in real time attention and adoption of effective policies in the economic and banking system can cause irreparable consequences. In this article, in order to give weight to criteria and the measure of criteria; By considering triple criteria which are include macroeconomic and investment, micro and technical economy and political, security and legal criteria; evaluation and prioritization of different monetary options have been done by using the hierarchical analysis method and The effects of cryptocurrency technology on the monetary and banking system were analyzed based on these three criteria. Among the 24 criteria which are determined by experts, not creation of money and inflation control is the first positive effect of cryptocurrency technology on the banking system. Results of this research show that macroeconomic development of cryptocurrency and electronic money technology has the most impact on the future economic and banking system of the country

کلیدواژه‌ها [English]

  • Money
  • cryptocurrency technology
  • multi-criteria decision-making approach
  • analysis hierarchy process (AHP)
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