眺望理想数字货币Look at the ideal digital currency
眺望理想数字货币
Look at the ideal digital currency
高 明（高木） 谢希明
Gaoming (gaom) xie ximing
2017/07/25 18:08
2563
由于货币制度是金融制度的基石，而当下的货币制度由于其本质的欺诈性和肆意的膨胀性，已经严重危及了社会公正和经济稳定，因此，我们很有必要站在互联网新高地上对未来理想货币进行一番眺望。
Because the monetary system is the cornerstone of the financial system, and because of its fraudulent and willful expansion, the current monetary system has seriously endangered social justice and economic stability, it is important to stand on the new ground of the Internet and take a look at the ideal currency of the future.
人类在日常的生产生活中，需要有把公正的尺子对市场商品和劳务进行正确的价值判断、需要顺利方便地交换剩余产品、需要长期安全地保值财富、需要物价长期基本稳定、需要对远期交易进行定价和结算支付、需要奖诚罚奸公平竞争、国与国之间需要互惠互利公平贸易等等。但是，古今中外大量历史事实已经充分证明，金银贵金属或其本位货币、以信用货币自居的法定纸币、换汤不换药的电子化纸币、区块链技术做支撑的比特币莱特币等数字加密货币都无法全面满足人类这些最基本的需要，全人类都急需一种更科学合理公平稳定的货币制度。
Human in the production of daily life, need to have a fair ruler the right value of goods and services to the market judgment, need smooth exchange surplus products conveniently, safely value wealth, need long-term prices basically stable, long-term, forward transactions have to be pricing and settlement and payment, need for penalty rape fair competition, need to mutual reciprocity and mutual benefit fair trade between countries and so on.However, a large number of ancient and modern, Chinese and foreign historical facts have fully proved, gold and silver precious metals or its place themselves with credit currency, notes, in its form of electronic money, do block chain technology to support the currency Wright coin digital encryption, such as currency cannot fully meet the needs of the most basic human, all mankind are in urgent need of a more scientific and reasonable system of fair and stable currency.
制度的混乱源于认知的混乱，要想看清未来，我们必须首先清晰认识到货币的本质。在现实生活中，我们每个人都是靠出卖自己的产品或劳动到市场上换取到货币后，再拿货币从市场上买回自己需要的商品或劳务来维持生存发展的。当我们把自己的产品或劳动“卖”出后握有货币但还没有“买”入商品的时间差期间，实质上就是持有可以随时提取财富的欠条。由于货币辗转反复流通，掩盖了其欠条的本质，但无论何种货币，追根朔源总是有一个最终承兑方或债务人的。更普遍地讲，任何一种创造有价可流通的票据的行为，都等同于印钞行为。因此，货币的本质是欠条，货币关系实质上反映的是人与人之间以及不同经济体之间的债权债务关系。
Institutional chaos stems from cognitive chaos, and to see the future, we must first clearly understand the nature of money.In real life, each of us lives and develops by selling our products or labor to the market in exchange for money, and then using the money to buy back the goods or services we need in the market.When we put their own products or labor "sell" out of the currency but have not "bought" into the goods of the time difference, is essentially holding can at any time to extract wealth iou.Due to the circulation of money repeatedly, the essence of its ious, but no matter what kind of currency, there is always a final acceptor or debtor.More generally, any act of creating a negotiable negotiable instrument is the same as printing money.Therefore, the essence of the currency is iou, and the monetary relationship essentially reflects the debtor-creditor relationship between people and between different economies.
一 金银无法重夺货币之王宝座
Ⅰ Gold and silver cannot regain their throne as king of money
在历史长河中，很多物品都充当过货币，而金属尤其是黄金白银充当货币的时间最长、范围最广。这是因为在技术落后的古代，社会无法建立起可靠的信用体系，人们不敢把剩余商品借给只打白条却无抵押物的人，而黄金白银是人们普遍愿意接受的既有抵押价值又便于储藏、分割、铸造、携带的实物借条。
Throughout history, many objects have been used as money, and metals, especially gold and silver, have been used as money for the longest and widest period of time.This is because in the ancient times with backward technology, the society could not establish a reliable credit system, and people did not dare to lend the surplus commodities to people who only issued ious but had no collateral, while gold and silver are generally willing to accept both the mortgage value and physical ious that are easy to store, divide, cast and carry.
金银先天具备货币所必需的价值尺度、流通手段、支付手段，储藏手段和世界货币这五大职能，因此长期是世界主要货币。但随着经济的发展尤其是贸易规模的扩张，金银货币的致命缺陷逐步体现出来：由于其数量有限，无法匹配日益增长的贸易规模，进行大额交易时运输也相当麻烦。金银做本位的纸币于是应运而生，一方面扩充了货币量，另一方面为交易提供了便利。但是以金银做本位的纸币的扩张不能无限进行，如果一份白银发出了十份银票、一份黄金发出了百份美元纸币，就必然存在兑付困难，布雷顿森林体系之所以崩溃，这是主要原因。而自1971年美元金本位终止以来，世界贸易规模又已扩张了很多倍。因此金银并不是理想货币，再也无法重新夺回货币之王的宝座。
Gold and silver are endowed with the five functions necessary for money, namely the measure of value, the means of circulation, the means of payment, the means of storage and the world's money, so they have long been the major currencies of the world.But with the development of economy, especially the expansion of trade scale, the fatal defect of gold and silver currency gradually manifested itself: because of its limited quantity, it could not match the increasing trade scale, and it was quite troublesome to carry out large transactions.Gold and silver as the standard of paper currency came into being, on the one hand to expand the amount of money, on the other hand to provide a convenient transaction.However, the expansion of banknotes based on gold and silver cannot go on indefinitely. If a piece of silver issues ten notes and a piece of gold issues one hundred dollar notes, there will inevitably be difficulties in payment. This is the main reason for the collapse of bretton woods system.World trade has expanded many times since the end of the dollar gold standard in 1971.So gold and silver are not the ideal currency, and they will never regain their crown as the king of money.
二 换汤不换药的电子化纸币不是理想货币
Ⅱ Electronic paper money is not the ideal currency
随着互联网的普及，美元、欧元、人民币等纸币虽然拥有了储蓄卡、信用卡、网银、第三方支付、互联网金融等漂亮外衣，但骨子里仍旧是纸币为基础的换汤不换药的混沌游戏，不仅没有修补信用纸币制度自身的缺陷，而且基本职能更不健全，靠着疯狂的信用扩张，更直接地讲，靠着疯狂的印钱，短期经济效益虽然可观，但对实体经济伤害巨大，并且监管愈发困难，系统性金融风险更是剧增。没有本位且没有准备金的电子货币可以轻易大量发放，可以绕过央行甚至绕过商业银行直接实现货币扩张，货币扩张在短期必然会带来虚假繁荣，但是会积累巨大的注定无法偿付的债务。在电子化纸币大背景下，我们以越来越少的基础货币支撑着越来越多的派生货币，整个经济体就好象一个巨大的泥足巨人，一旦发生局部债务危机，或者是遇到有心人的定向爆破，很快就会形成连锁反应。电子货币的挤兑将比传统银行的挤兑狂暴百倍不止，而其牵涉的方面也大大多于传统银行，某宝现在看起来风光无限，其实已经成为了一个巨大的金融炸弹，一旦爆炸，威力将刷新人类对金融危机的认知。因此，电子化的纸币远远不是理想货币。从人类整体利益计，为了防范全面失控，应尽快对电子化纸币进行脱胎换骨式的整合改造。
With the popularity of the Internet, the dollar, euro and renminbi banknotes although have a cash card, credit card, online banking, third-party payment, such as the Internet financial beautiful coat, but the heart still is a paper on the basis of chaos game in its form, not only failed to fix the credit notes of the flaws of system and basic functions, more crazy credit expansion, more directly, by crazy printing money, although substantial short-term economic benefit, but harmful to the health, the real economy and regulatory harder, systemic financial risk is increased.Electronic money, which has no standard and no reserves, can be issued in large quantities easily and can be used to achieve monetary expansion directly bypassing central Banks and even commercial Banks. Monetary expansion will inevitably lead to false prosperity in the short term, but it will accumulate huge debts that are destined to be unpayable.In the context of electronic paper money, we are supporting more and more derivative currencies with less and less base money. The economy as a whole is like a giant mud-footed giant. If there is a local debt crisis, or if there is a well-meaning directional explosion, there will be a chain reaction.The run on electronic money will be much more violent than the run on traditional Banks, and the aspects involved are much more than that of traditional Banks. Now a treasure looks beautiful, but in fact it has become a huge financial bomb. Once it explodes, its power will refresh people's cognition of the financial crisis.Thus, electronic paper money is far from ideal.In order to prevent the total loss of control, the paper money should be reinvented as soon as possible.
三 区块链技术做支撑的加密数字货币无法成为理想货币
Ⅲ Cryptographic digital currency backed by blockchain technology cannot be an ideal currency
货币系统，其实就是一个欠条管理系统。互联网信息技术已经为理想货币的诞生打下了坚实的基础。理论上在互联网环境中，编制一个程序借助互联网几个人就可发起成立一个电子货币系统。以区块链技术做支撑的比特币、莱特币等新型的数字货币是人类一种崭新的尝试，其中包含很多新技术新原理，让人耳目一新。但由于比特币的设计者没有悟透货币的本质，设计有缺陷阻碍了它的发展普及。
The currency system, in fact, is an iou management system.Internet information technology has laid a solid foundation for the birth of the ideal currency.Theoretically, in the Internet environment, a few people can initiate an electronic money system by programming a program with the help of the Internet.Bitcoin, litecoin and other new digital currencies supported by blockchain technology are a brand new attempt of human beings, which contain many new technologies and new principles, which are refreshing to people.But because bitcoin's designers didn't understand the nature of the currency, design flaws hindered its popularity.
首先，比特币虽然模仿开挖金矿的传统方式在互联网上掘取比特币，但是获取到的比特币只是电子数据，本身没有使用价值和稳定的价值量，也不与任何实物劳务相挂钩，价格又始终处在巨幅波动中，不能像尺子一样公平稳定的衡量其他商品的价值，因此不具备价值尺度的职能。
1 Bitcoin while imitating excavation of traditional way on the Internet made COINS, but access to the currency only electronic data, itself has no use value and the stable value, is not linked with any physical labor, the price is always in a giant wave, not fair and stable as a ruler to measure the value of other goods, so don't value the function of scale.
2 比特币的设计者虽然看到纸币滥发、造假、欺诈的危害，给比特币赋予了有限供应、无法篡改交易记录等特性，似乎给比特币赋予了安全储藏财富和不断增值的预期。但比特币这些优点仍然无法抵消自身没有使用价值、不与任何实物劳务相挂钩做本位、自身价值又不断巨幅波动这些致命缺陷，既可以被炒到天价，也可以被遗弃变的一文不值，很难普及性地担负起储藏财富和支付未来这两大职能。
Although the designers of bitcoin saw the harm of promiscuous, counterfeit and fraudulent banknotes, they endowed bitcoin with the characteristics of limited supply and inability to tamper with transaction records, which seemed to give bitcoin the expectation of safe storage of wealth and constant appreciation.Currency these advantages still cannot offset the no use value, not linked with any physical labor standard, its value has huge fluctuations these fatal flaw, can be Fried to sky-high, can also be abandoned become worthless, it is difficult to universal for storing wealth and pay for the future of the two big functions.
3 黄金因为数量无法满足经济发展需要，是导致布林顿森林体系垮台的主要原因。区块链技术做支撑的比特币莱特币，是基于黄金的稀缺性设计的，其稀缺性似乎使其拥有了保值功能，助长了市场对其的投机炒作。但是成也萧何败也萧何，在实际的经济生活中，货币量的多寡不能基于算法而应基于实际需要，因为实体经济对货币总量的需要是不断变动的，甚至还有结构性个性化需要的特点，因此理想的货币不仅能敏锐地感知实体经济对货币的需要量，而且货币供应总量还能平稳智能地根据实体经济规模同步增加或减少，还能有效满足不同企业和不同消费人群对货币量的结构性个性化需要。而比特币是基于预先设计好的代码机制，货币供应总量被限定在 2100 万个比特币以内，而且流通中的比特币总量只能僵化地按照本系统自身的节奏单向增加，不能针对实际生产生活的需要进行回笼湮灭。因此，基于区块链技术而诞生的数字货币新技术若不能克服其货币供应总量既无法感知也无法随着经济总规模的实际需要同步消长，而且还要把经济总量限定在一个有限的货币总量范围之内，那么这种节奏僵化总量受限的货币，无论身价多么高贵、挖矿多么勤苦、安全性有多强、价值被追捧的多高、流通多么的便捷，也只能是不接地气的空中楼阁，玩家手中的投机玩物，而不能成为理想货币。
Because the quantity of gold can not meet the needs of economic development, is the main cause of the collapse of the bretton woods system.Bitcoin litecoin, which is supported by blockchain technology, is designed based on the scarcity of gold. Its scarcity seems to have enabled it to maintain its value and contributed to speculation in the market.But into has played havoc responsible, in the real economic life, and the amount of money cannot be based on the algorithm should be based on actual needs, because the real economy's need for monetary aggregates are constantly changing, even has the characteristics of structural personalized needs, therefore the ideal currency can not only keen perception of the real economy to monetary demand, smooth and money supply still can intelligently to increase or decrease according to the real economy scale, also can effectively meet different enterprises and different consumers on the amount of structural personalized needs.Bitcoin is based on a pre-designed code mechanism, and the total amount of money supply is limited to 21 million bitcoins. Moreover, the total amount of bitcoins in circulation can only increase in a rigid way according to the pace of the system itself, instead of annihilating according to the actual needs of production and life.Therefore, based on block chain technology and the birth of the new technology of digital currency, if can't overcome its money supply can neither perception nor as the total scale of the practical need of synchronous growth, but also the economy is limited within a limited range of monetary aggregates, so the rhythm rigid limited amount of money, no matter how... how noble status, mining, security, how strong, how high value of popularity of how convenient, circulation, also can only is not grounded air castles in the air, speculative plaything in the hands of a player, not an ideal currency.
4 去中心化的区块链有一个最大弊端，就是无法采集统计市场全局信息，无法用大数据云计算网络观察控制市场总供给总需求，更无法观察控制结构性供给和结构性需求，导致市场参与者和监管者仍旧是瞎子和聋子，互联网的优良特性很遗憾地被极大地打了折扣。除此之外，加密数字货币每个节点用户都要备份庞大的数据信息，支付延迟时间过长，根本无法应对高频大量交易。此类货币的安全性也不像鼓吹的那么可靠，密匙丢失或密匙被盗都很难再找回数字资产，比特币被黑被盗已经多次发生，甚至还不如传统网银安全，其匿名性不过是为洗钱、贩毒、炒汇、贿赂等大开方便之门而已。更何况挖矿需要耗费大量电力，可见这类货币不仅污染社会风气，还会污染自然环境。
Decentralized block chain has one of the biggest drawbacks, is unable to collect statistics global market information, can't use big data cloud observation control total market supply aggregate demand, more can't observe control structural supply and structural requirements, lead to market participants and regulators are still blind and deaf and excellent characteristics of Internet regrettably is impaired greatly.In addition, cryptographic digital currency requires users on each node to back up huge amounts of data, and the payment delay is too long to cope with high-frequency trading.The security of this kind of currency is not as reliable as advocated, and it is difficult to recover the digital assets if the key is lost or stolen. Bitcoin has been hacked and stolen for many times, and it is not even as safe as traditional online banking. Its anonymity is just a way to facilitate money laundering, drug trafficking, foreign exchange speculation and bribery.What's more, mining requires a lot of electricity, so this kind of money not only pollutes the social atmosphere, but also pollutes the natural environment.
当然，随着区块链技术的不断完善，也许会为人本化电子货币提供很多辅助性的技术支持。例如：如果区块链技术能把人财物联网中每个唯一账户中的人财物基本信息在动态中进行时时加密登记和动态跟踪，能通过强大的加密和验证算法，让人财物联网中的每一个唯一账户和每一次大额重要交易都拥有人财物账本的副本，并将管理和更新账本的权力下放给授权用户，就等于给人本化电子货币系统同步增加了另一套总账安全性备份；还例如，区块链技术还可在人财物登记、电子发票、电子股票、电子税单、电子合同、商品服务代码等等安全性方面提供十分广阔的应用前景。
Of course, with the continuous improvement of blockchain technology, it may provide a lot of auxiliary technical support for human-based electronic money.For example, if the chain block technology to the human, financial and networking in the human, financial and basic information of each account only in the dynamic real-time encryption registration and dynamic tracking, can pass strong encryption and authentication algorithms, let every one of the only human, financial and networking accounts and every large important deal with human, financial and a copy of the book, and to manage and update the devolution of books to authorized users, equals to the humanistic electronic cash system synchronization backup increase the safety of another set of general ledger;For example, blockchain technology can also provide a very broad application prospect in the security aspects of human and property registration, electronic invoices, electronic stocks, electronic tax receipts, electronic contracts, commodity service codes and so on.
总而言之，虽然表面上看区块链技术做支撑的比特币等种种加密数字货币，似乎比美元、欧元、人民币等先进，但却比人本化电子货币落后至少半个时代。
All in all, although bitcoin and other cryptographic digital currencies supported by blockchain technology seem to be more advanced than the us dollar, euro and RMB, they are at least half an era behind human-oriented electronic currencies.
四 人本化电子货币具备成为理想货币最全职能
Ⅳ Human-oriented electronic money has the most complete function of becoming ideal money
人财物联网的基本特征是“账户唯一，人财物登记、网络观控、人本化电子货币”。
The basic features of the Internet of people and property are "unique accounts, people and property registration, network view and control, and human-oriented electronic money".
人本化电子货币是立足人财物联网构建起的新型数字货币系统，具有双本位正负记账特点，至少具备十大职能。
Human-oriented electronic currency is a new type of digital currency system based on the network of people and property, which has the characteristics of double-standard positive and negative accounting and has at least ten functions.
1 价值尺度职能
1 The Value scale function
人本化电子货币制度可约定，每单位新货币欠条都要与一定量的具体劳动时间和一定量的全系统成员都普遍愿意接受的具有稀缺性的均质必需商品相挂钩，形成货币之锚。这种对应关系一经确定就在一个相当长的时间内保持恒定。如此一来每个唯一账户登记的具体劳动时间或一定质量的均质必需商品就担负起了价值尺度职能，人本化电子货币也就具有了双本位特征。例如1元人本化电子币=1分钟劳动时间=1斤小麦等。
Humanized electronic money system can be agreed that each unit of new money iou should be linked to a certain amount of specific labor time and a certain amount of system members are generally willing to accept the scarcity of homogeneous essential goods, forming the anchor of money.This correspondence, once determined, remains constant for a considerable period of time.In this way, the specific labor time of each unique account or the homogeneous essential commodity of a certain quality is assumed as a measure of value, and the human-oriented electronic currency also has the characteristics of double standard.For example, 1 yuan human-oriented electronic currency =1 minute labor time =1 jin of wheat.
2 财富储藏职能
2 Wealth storage function
人本化电子货币制度可约定，若债务人在承诺的时限内若没有赚取到归还债务的足够货币额，作为清偿，应遵照承诺参加某紧缺岗位劳动多少小时、照顾病人或老人多少小时等，也可以按照承诺归还小麦、玉米、大豆、电力、煤炭、石油、房屋等实物产品什么质多少质量等。如果不能限期归还债务，要在网络观控下接受惩罚。如此一来，由于每单位货币欠条都能找到明确具体的债务人，都与具体的劳动或实物财富相挂钩，在网络观控下又无法逃废债务且价格很难巨幅波动，这就为币值长期稳定保值打下了坚实基础，使得货币的财富储藏职能重新显现。
Humanistic system of electronic currency can be agreed, if the debtor within the time limit in the promise if not earn enough money to return debt, as a liquidation, how many hours should comply with the commitment to participate in a short post labor, taking care of the patients, or old people, such as how many hours can also according to the promise to return wheat, corn, soybean, electric power, coal, oil, houses what what qualitative physical product quality, etc.If the debt cannot be repaid within the time limit, the penalty will be imposed under the control of the Internet.In this way, because each unit of currency iou can find specific debtors, and concrete are tied to wealth or physical Labour, under the concept of network control, and has no debt evasion and hard to huge price fluctuations, it is for the long-term stability of currency value has laid a solid foundation, makes the monetary wealth storage function appeared again.
3 结算流通职能
3 Settlement and circulation function
人本化电子货币制度可统一对信用卡、借记卡、医疗卡、月票卡、饭卡等各种网络支付工具和支付系统进行兼容性改造，最终做到仅仅使用身份证，或者手机，或者只凭借身体的一部分，如指纹、虹膜、面孔或手指静脉识别，就可以随时随地在商店、餐厅、车站、旅馆、集贸市场等任何网络结算平台上在线便捷安全地完成货币支付和财产过户登记，流通手段职能完美。
Humanistic system of electronic currency can be unified on credit CARDS, debit card, medical card, month rides, meal card and other network tools and payment system for compatibility, eventually do use only id, or mobile phones, or only with the part of the body, such as fingerprint, iris, face or finger vein recognition, can be anywhere in the store, restaurant, station, hotels, marketplaces and so on any network settlement platform online convenient payment done safely currency and property ownership transfer registration, circulation means perfect.
人本化电子货币制度可统一对信用卡、借记卡、医疗卡、月票卡、饭卡等各种网络支付工具和支付系统进行兼容性改造，最终做到仅仅使用身份证，或者手机，或者只凭借身体的一部分，如指纹、虹膜、面孔或手指静脉识别，就可以随时随地在商店、餐厅、车站、旅馆、集贸市场等任何网络结算平台上在线便捷安全地完成货币支付和财产过户登记，流通手段职能完美。
Humanistic system of electronic currency can be unified on credit CARDS, debit card, medical card, month rides, meal card and other network tools and payment system for compatibility, eventually do use only id, or mobile phones, or only with the part of the body, such as fingerprint, iris, face or finger vein recognition, can be anywhere in the store, restaurant, station, hotels, marketplaces and so on any network settlement platform online convenient payment done safely currency and property ownership transfer registration, circulation means perfect.
4 未来支付职能
4 Future payments function
人本化电子货币币值长期稳定，支付未来功能完备。
The value of human-oriented electronic currency is stable for a long time, and the future payment function is complete
5 世界货币职能
5 World monetary function
多国可共同约定为每个国家设立一个唯一的国家公共账户，都要根据每国经济状况偿付能力自然禀赋等规定好信用总额度，都要约定好用哪些实物商品或劳务充当最终清算物，每国国内经济体与他国经济体发生的货币和实物劳务结算都要流经这个国家唯一账户进行过户记账时时登记，产出不足国透支总额，也就是从国际市场财富库中借取财富的量要限制在预先设定的信用额度之内。例如，每个负债发行世界元的国家都必须以国家的名义承诺每单位世界元债务对应一个公认且稳定的实物价值量或者劳动力价值量作为最终清偿物。最终清偿物的选定，可根据每个国家的自然禀赋来确定。例如，拥有劳动力优势的国家，可以承诺每单位世界元债务可以由某素质劳动力某小时劳动量清偿；农业资源丰富的国家可以承诺每单位世界元债务对应1kg普标小麦或 1.1kg普标玉米或0.6kg普标大米；石油资源丰富的国家可以承诺每单位世界元债务由1kg普标原油清偿等。这种对应关系一经确定就应保持长久不变，除非经过多国大会2/3多数表决通过后做适度修改，从而保证世界元价值尺度的长久稳定以及储藏职能、支付功能的稳定。这些国家在进行国际贸易时，当一个贸易出超国把自己国家生产出来的剩余产品或劳务销售出去以后，计算机会把出超国向国际市场财富库中寄存财富的事实真实自动地记录在其唯一的电子账户上，记正货币余额增加。同时，也把产出不足国从国际市场财富库中借取财富的事实自动真实地记录在其唯一账户上，记负货币余额增加。每个国家唯一账户的正负货币的多寡，清晰反映了每个国家整体的债权债务情况。这种超主权的国际记账货币，最能体现国际贸易公平公正精神。在生产力水平已经高度发达生产能力已经严重过剩的当今世界，国际人本化电子货币将成为实现世界大同和人类命运共同体的最大保证。
Multinational may establish a joint agreement for each country's only national public accounts, according to each country economy good solvency rules such as natural endowment credit combination, will be agreed which ACTS as the final settlement of physical commodity or service, every countries domestic economies and the other countries' economies, currency and all the physical labor is the only account to flow through the country to register the transfer of charge to an account at all times, output less than the total amount of overdraft, from the international market wealth in the library to borrow the amount of wealth to limit within the preset credit lines.For example, every country that issues world dollar debt must, in the name of the state, commit each unit of world dollar debt to a recognized and stable quantity of physical value or labor value as the final liquidation.The choice of the final liquidation can be made according to the natural endowment of each country.For example, a country with a labor advantage could promise that each unit of world dollar debt could be paid off by a certain amount of labor per hour of a certain quality of labor;Countries rich in agricultural resources could commit to 1kg of standard wheat or 1.1kg of standard corn or 0.6kg of standard rice for every dollar of world debt.Countries rich in oil resources can promise to pay off each unit of world dollar debt by 1kg of standard crude oil, etc.This correspondence, once determined, shall remain unchanged for a long time, unless it is moderately modified by a two-thirds majority vote of the multinational assembly, so as to ensure the long-term stability of the world's meta-value scale and the stability of storage and payment functions.When these countries are engaged in international trade, when a trade surplus country sells the surplus goods or services produced by its own country, the computer automatically records the fact that the surplus country has deposited its wealth in the wealth pool of the international market on its unique electronic account and records the increase of the positive currency balance.At the same time, the fact that the under-producing country had borrowed from the pool of wealth on the international market was automatically and truthfully recorded in its unique account, recording an increase in the negative currency balance.The amount of positive and negative currency in the unique account of each country clearly reflects the overall credit and debt situation of each country.Such a super-sovereign international accounting currency can best embody the spirit of fairness and justice in international trade.In today's world where the productive forces have been highly developed and the production capacity has been seriously overgrown, the international humanized electronic currency will become the biggest guarantee for the realization of world harmony and a community with a Shared future for mankind.
人本化电子货币除了能弥补传统货币的五大职能外，还具备更多职能。
In addition to the five functions of traditional money, human-oriented electronic money has more functions.
6 责权利明晰职能
6 Responsibilities, rights and clear functions
现行的纸币制度环境下，责权 利关系，尤其是货币发行扩张过程中的债权债务关系是非常模糊且缺少监督制衡的。例如央行发行的基础货币，本应是央行对大众的负债，本应受到大众的监督；商业银行扩张的派生货币，本应是商业银行对大众的负债。但是，无论是央行负债还是商业银行负债发行扩张货币的行为，都由央行自己监督自己，大众的知情权被淡化，大众的监督权被剥夺，自然就难以避免货币滥发、铸币税滥征、货币币值持续性缩水、通货膨胀总趋势难以遏制。
Under the current paper money system environment, the relationship between rights and obligations, especially the relationship between credit and debt in the process of currency issuance and expansion, is very vague and lacks supervision and balance.For example, the base money issued by the central bank should be the liability of the central bank to the public and should be subject to public supervision.The monetary derivative of commercial bank expansion is supposed to be a liability to the public.However, whether the central bank is in debt or the commercial bank is in debt to issue and expand money, the central bank supervises itself. The public's right to know is weakened, and the public's right of supervision is taken away. Naturally, it is difficult to avoid the excessive issuance of money, excessive seigniorage, sustained decline in the value of currency and the general trend of inflation.
人本化电子货币系统依据人的面孔、指纹、虹膜、DNA、身份号码等自然人唯一性特征和企事业法人组织唯一组织代码，以及每个在编的政府机构，在中央网络数据库中设立唯一的可适时网络验证真实身份的实名制唯一账户。然后在每个唯一实名制总账户下分设三个明细分账户，分别把自然人、法人和其他组织的信用资产、货币资产、实物资产分门别类进行适时登录。信用分账户主要记录账户主人的户籍、健康、学历、社保、税收、荣誉、毁誉、民主权力、职权范围、有形或无形资产权益等信息，每个公民可据此行使选举、被选举和建言权，课形成有效便捷的监督制衡功能；货币分账户主要记录账户主人的债权债务情况、货币收支数量、收支对象等货币流水和余额。货币发行过程中的债权债务关系是非常清晰的，每单位货币欠条都能找到明确具体的债务人，都与具体的劳动或实物财富相挂钩；实物分账户主要记录账户主人的房产、地产、汽车、机器设备、各种商品及各种随货币流动同时发生变化的实体商品和劳务情况。各级政府国有资产也可分门别类登录在相关政府账户上。每个厂家商户的每种每个最小包装的商品都要尽可能清晰标注出产服务信息的条码，一旦发现问题就可以通过一系列唯一账户的交易数据链追溯到责任厂家商户和具体责任人。如此以来就可将责任、权力和利益明晰到具体的自然人或法人身上，形成责权利明晰职能。
7 奖勤励懒职能
7 Reward diligence and punish laziness
人本化电子货币系统约定，在唯一账户上，转入原有存款、现金、经过法定程序认可的债权和新增收入，记正货币增加；转入原有债务和新透支发生，记正货币减少或负货币增加。收支相减后若货币账户余额是负数时，简称负货币账户，说明这个户主对社会负有债务，对社会的贡献小于索取；当货币账户的余额是正数时，简称正货币账户，说明这个账户主人对社会拥有债权，对社会的贡献大于索取。同时，也可把每个唯一账户的纳税额进行公开展示，这就让整个社会每个成员对社会的贡献率一目了然了，可发挥褒勤励懒的职能。
According to the unique characteristics of natural persons such as people's face, fingerprint, iris, DNA and identity number, and the unique organization code of enterprises and institutions as legal persons, as well as every government agency that is in the process of editing, the human-oriented electronic money system establishes a unique real-name account in the central network database that can verify the real identity in a timely manner through the network.Then, under each unique real-name system, three detailed sub-accounts are set up, and the credit assets, monetary assets and physical assets of natural persons, legal persons and other organizations are registered in time.The credit sub-account mainly records the information of the account owner's household registration, health, education, social security, tax, honor, reputation, democratic power, scope of authority, and rights and interests of tangible or intangible assets. Every citizen can exercise the right to vote, be elected and voice behavior accordingly, thus forming an effective and convenient function of supervision and balance.The currency sub-account mainly records the credit and debt of the account owner, the amount of money, the object of income and expenditure and the balance of money.The debtor-creditor relationship in the process of currency issuance is very clear, each unit of currency iou can find a specific debtor, are linked to specific labor or physical wealth;The in-kind sub-account mainly records the owner's real estate, real estate, automobiles, machinery and equipment, all kinds of goods and all kinds of physical goods and services that change with the flow of money.State-owned assets of governments at all levels may also be classified and logged into relevant government accounts.Each manufacturer and merchant's minimum package of each commodity should be labeled with the barcode of the production service information as clearly as possible. Once the problem is found, it can be traced back to the responsible manufacturer and merchant and the specific responsible person through the transaction data chain of a series of unique accounts.In this way, the responsibility, power and interests can be clearly defined to the specific natural person or legal person, forming a clear function of responsibility and rights.
8 促增长职能
8 Growth-promoting function
一个社会经济总量的增长实质上主要依靠货币借条总量的增长来实现的。因此，货币实质上是决定一个社会财富总量能否增长的裁判员。从这个意义上说，货币发行者是社会新增财富的接生婆，新增货币是社会新增财富的出生证。只可惜，在当今当代，货币的发行权扩张权还在被政府和银行家低效率且不负责任地垄断着，市场财富储藏库中的社会财富还在被少数人不负责任地偷偷攫取着，银行家还在扮演着社会新增财富偷婴婆这个不光彩的角色。银行家为了获取暴利并控制市场，故意形成货币垄断，故意制造货币短缺假象，社会财富增长的动力被枷锁牢牢束缚着。
In fact, the growth of the total amount of a social economy mainly depends on the growth of the total amount of money ious to achieve.So money is essentially the judge of whether a society's wealth can grow.In this sense, the issuer of the currency is the midwife of society's new wealth, and the new currency is the birth certificate of society's new wealth.Unfortunately, in today's modern era, the expansion of the power to issue money is still being inefficiently and irresponsibly monopolized by the government and the bankers, and the social wealth in the wealth storage bank of the market is still being irresponsibly stolen by a few people, and the bankers are still playing the disgraced role of baby-stealer of new wealth in the society.In order to gain huge profits and control the market, bankers deliberately form a monetary monopoly and deliberately create the illusion of a shortage of money, so that the power of social wealth growth is firmly shackled.
人本化电子货币系统，第一次让每个国民都公平地负责任地拥有负债发行货币欠条，透支消费获得基本生存发展资料的权利，社会总财富健康增长拥有了不竭动力源。一方面可允许每个公民、企业、政府都可以在唯一账户上透支，实现的透支总额就是发行货币的总额。每个账户的信用额度，早已经根据统一标准，在动态中依据户主的年龄、身体状况、实有工作技能、消费倾向、承诺程度、受教育程度、实物资产的质和量、企业净资产的质和量、政府资产净值总量和具体的政策目标确定好了。这不仅可保障债务安全，还可高效解除货币短缺危机，释放过剩产能，全面提高人们的生活质量，推动社会总财富无限量健康增长，推动社会全面进步，因此具备促增长职能。
The human-oriented electronic money system, for the first time, enables every citizen to have a fair and responsible right to issue currency ious, overdraw consumption and obtain basic materials for survival and development, and provides an inexhaustible source of power for the healthy growth of the total wealth of the society.On the one hand, every citizen, enterprise and government can be allowed to overdraw on a unique account. The total amount of overdraft realized is the total amount of money issued.The credit limit of each account has already been determined on a dynamic basis according to a unified standard and based on the head's age, physical condition, actual working skills, propensity to consume, level of commitment, level of education, quality and quantity of real assets, the net assets of the enterprise, the total net assets of the government and specific policy objectives.This will not only ensure the security of debt, but also effectively relieve the currency shortage crisis, release excess capacity, comprehensively improve people's quality of life, promote the healthy growth of total social wealth, and promote overall social progress. Therefore, it has the function of promoting growth.
9 保平衡职能
9 Balancing function
纸币制度存在一个自身无法逾越的悖论。要发展经济、要实现财富增长、要降低失业率、要释放过剩产能就必须向市场投放更多的货币量。但是按下葫芦浮起瓢，市场被注入大量货币后，物价上涨、货币贬值、通货膨胀的危机往往也会如影随形接踵而至。如此以来，市场就要一刀切式地开始进行新一轮的紧缩操作，因此供需失衡哀鸿遍地的周期性经济危机就会不断地重演肆虐。
The paper money system has a paradox that cannot be overcome by itself.To grow the economy, increase wealth, reduce unemployment and release excess capacity, more money must be put into the market.However, after the market is injected with a large amount of money, the crisis of price rise, currency devaluation and inflation will often follow closely.Thus, the market will have to start a new round of tightening operation at the same time, so that the cyclical economic crisis, with its tragic imbalance between supply and demand, will continue to wreakhavoc.
人本化电子货币系统可把市场中每个唯一账户的主要数据信息，经过大数据云计算后自动匡算统计出来并适时反馈给市场参与者，让每个市场参与者都拥有一副洞察市场秋毫，清醒判断利益得失的火眼金睛。还可针对不理性的行为，及时调整每个唯一账户的定向消费坐标和信用额度闸门，有效保证每个经济体都能最大限度地沐浴在旱涝保收凉热适度的最佳货币环境内，让大水漫灌式的货币发收方式将被智能滴灌所彻底取代。中央银行观控数据库还可以随时针对每个唯一账户执行税收、市场准入等政策，针对关系国际民生的重要商品执行最低最高限价，由点及面对宏观经济实施事前、事中、事后的观控，就能有力保障宏观经济的总供给与总需求在平衡中健康运行。因此具备了保平衡职能。
The human-oriented electronic money system can automatically calculate and statistic the main data information of each unique account in the market after big data cloud computing and timely feedback it to market participants, so that each market participant has a keen eye for insight into the market and a clear judgment of benefits and losses.We can also adjust the directional consumption coordinate and credit quota gate of each unique account in time for irrational behaviors, so as to effectively ensure that each economy can bathe in the optimal monetary environment of drought and flood to the maximum extent and keep cool and hot, so that the flood irrigation mode of money issuance and collection will be completely replaced by intelligent drip irrigation.View of the central bank also can be the only account for each execution control database, market access and other tax policies, in view of the relationship between the international people's livelihood important commodities, the highest price the lowest beforehand, by point and face the macroeconomic view control approaches, can guarantee macroeconomic aggregate supply and demand of health in the balance.Therefore, it has the function of maintaining balance.
10 保公平职能
10 Equity protection function
由于纸币制度无法对市场进行有效监管，致使假冒伪劣、坑蒙拐骗、腐败犯罪、供需失衡、物价波动现象泛滥。
The paper money system is unable to effectively supervise the market, leading to widespread counterfeiting, cheating and swindling, corruption, imbalance between supply and demand, and price fluctuations.
人本化电子货币系统可让全国范围内每个公民、法人实体和独立财权的各级政府机关账户彼此之间每笔货币和非货币资产的往来和交换，任何一笔货币流动和商业交易，都要通过一个实名账户到另一个实名账户的电子转账来完成，都要流经中央银行观控数据库的流量流向过滤，都要适时地留有包括交易金额、交易品种、交易价格、交易数量、交易地点、交易对象的电脑交割记录，任何一笔不正常的财产流动都可被及时发现，都可经授权后被迅速查清来龙去脉，甚至每个对产品质量有怀疑的消费者都可以要求相关部门对产品质量进行适时验证，因此，金融欺诈、偷税漏税、逃废债务、克扣工资、权力寻租、金钱求租、假冒伪劣等行为就会无法规避网络阳光而从源头逐渐消失踪影，人间法律可以拥有最有效的执行条件，恶劣的市场环境就能得到彻底的治理。从而具备了保公平职能。
Humanistic electronic cash system allows nationwide every citizen, a legal entity and the government organs at all levels of the independent account to each other every monetary and non-monetary assets exchanges and exchange, any sum of money flows and business transactions, should be through a real-name account to another new account electron transfer to complete, must through the view of the central bank control database of traffic flow filtration, there should be duly including transaction amount, transaction varieties, transaction price, trading volume, trading place, trading object computer delivery record, any abnormal flow property can be found in time,Can be authorized to quickly find out after the story, even every doubt the product quality is the consumer can ask related departments to timely verification of product quality, therefore, financial fraud and tax evasion, the evasion of debt or withhold wages, power rent-seeking, soliciting money, counterfeit will be unable to avoid network behavior such as sunshine and gradually disappear from the sources, human laws can have the most effective executive condition, bad market environment can get thorough governance.Thus has guaranteed the fair function.
11 共同富裕职能
11 Common prosperity function
一般来说，任何一个社会里都会同时存在产出不足和产出过剩两组人。例如，一个人在未成年时，虽然需要大量的物质产品来满足自己生活学习需要，但因为他没有劳动能力而几乎无法生产任何的物质产品或劳务产品，因此有需求而没有产出的他会出现不足；进入青壮年后，一般来说他的产出量会大于实际的需求量，会出现剩余；老年时，他又会进入只有需求而几乎没有产出的阶段，出现不足。即便是在成年人的社会群体中，每个人的产出能力和机遇也是不同的，能力强、勤奋度高的人就会出现较多的剩余，而其他的人剩余量就相对较少，甚至也会出现不足。由于一个社会里时时都会同时存在产出不足的暂穷人和产出过剩的富人这两组人，再加上货币的本质是欠条，因此，世界上不存在人人都有钱而人人又都不负债的社会状态。如果没有人借债，就无法形成欠条---货币。
Generally speaking, in any society there are both groups of people who produce too little and too much.For example, when a person is a minor, although he needs a large number of material products to meet his needs for life and study, he can hardly produce any material products or service products because he has no labor capacity.After entering the prime of life, generally speaking, his output will be greater than the actual demand, there will be surplus;In his old age, he will enter a stage where there is only demand and almost no output.Even in the social groups of adults, each person's output capacity and opportunities are different. People with strong ability and high degree of diligence will have more surplus, while others will have relatively small surplus or even insufficient surplus.There is no such thing as a society in which everyone has money and no one is in debt, because there are always two groups of people, the temporary poor with insufficient output and the rich with excessive output, and the essence of money is ious.If there is no one to borrow, there is no iou - currency.
Generally speaking, in any society there are both groups of people who produce too little and too much.For example, when a person is a minor, although he needs a large number of material products to meet his needs for life and study, he can hardly produce any material products or service products because he has no labor capacity.After entering the prime of life, generally speaking, his output will be greater than the actual demand, there will be surplus;In his old age, he will enter a stage where there is only demand and almost no output.Even in the social groups of adults, each person's output capacity and opportunities are different. People with strong ability and high degree of diligence will have more surplus, while others will have relatively small surplus or even insufficient surplus.There is no such thing as a society in which everyone has money and no one is in debt, because there are always two groups of people, the temporary poor with insufficient output and the rich with excessive output, and the essence of money is ious.If there is no one to borrow, there is no iou - currency.
同时，实物财富和具体劳动是无法长期储藏的。衣服创藏长了会过时、食物储藏长了会变质、住房闲置长了会破损、车子长期不开会老化、年轻人更是无法积攒多余的力气。因此，人们要想在产出过剩期积攒货币就必须出借剩余商品或劳动。只有把自己的剩余财富和剩余劳动出借给暂时产出不足者，让他们及时消费，让他们给自己打一个全系统都认可的无法逃废债务的欠条，这是可靠安全积累财富的最好办法。
Meanwhile, physical wealth and physical labor cannot be stored for long.Long storage of clothes will be out of date, food storage will deteriorate, housing will be damaged, the car will not meet the aging, young people are not able to accumulate excess strength.Therefore, if people want to accumulate money in the period of surplus output, they must lend surplus goods or labor.Only to lend their surplus wealth and surplus labor to the temporary output of the poor, let them timely consumption, let them give themselves a system-wide recognition of the debt can not escape the iou, this is the best way to accumulate wealth reliably and safely.
人本化电子货币系统就可以让穷人和富人同处在一个可靠信用体系里，富人可以放心大胆地把自己的剩余产品剩余劳动出借给产出暂时不足的穷人及时消费，系统就会在自己的唯一账户上增加正货币（债权），债务人的账户上就会增加负货币（债务）。如此一来，富人就获得了财富的价值部分——货币，穷人就获得了财富的使用价值部分——实物产品或服务，两者各取所需，在很大程度上就同时实现了穷人希望共同富裕和富人希望货币量增长和财富长期安全保值的愿望。形成富人和穷人相互依存，谁也离不开谁的共同富裕互利共赢关系。
Humanistic electronic currency system can let the poor and the rich with reliable in a credit system, the rich can rest assured bold to lend their surpluses surplus labor out to output a temporary shortage of the poor consumption in time, the system will add is the only account in their currency (creditor), the debtor's account will increase the negative money (debt).In this way, the rich get the value part of their wealth -- money, while the poor get the use value of their wealth -- physical products or services. Both get what they need, which, to a large extent, simultaneously realize the desire of the poor for common prosperity and that of the rich for the growth of money and the long-term security of their wealth.The rich and the poor are interdependent, and neither can live without the other.
人本化电子货币可以率先在某个国家法律允许的大环境下，通过会员制方式迅速落地普及。总之，黄金仅仅拥有货币五大职能，就称雄世界千百年。至少具备货币十大职能的人本化电子货币，具有成为当代理想货币的基本条件。
Humanized electronic currency can be popularized quickly through membership system under the circumstance of a certain country's law.In short, gold has dominated the world for thousands of years with only five functions of money.Human-oriented electronic currency, which has at least ten functions of money, has the basic conditions to become an ideal currency.
（本文借助有道翻译软件进行翻译 难免有错 敬请原谅 请以中文版本为准）(This text USES the youdao translation software to carry on the translation unavoidably has the mistake both please forgive both please the Chinese version to prevail)
2017年7月24日（2020年5月11日稍有修改）July 24, 2017 (slightly modified May 11, 2020)
作者简介：About the author:
高 明 笔名高木 独立学者Gaoming's pen name is gao mu, an independent scholar
谢希明 独立学者 清华大学经济学硕士Xie ximing is an independent scholar with a master's degree in economics from tsinghua university
转载须注明来源，违者必究。Reprinted must indicate the source, the offender will be corrected.
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