[1] The People's Bank of China. The People's Bank of China Digital Currency Symposium was held in Beijing. 2016. http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/3008070/index.html. Google Scholar
[2] Puhui Finance Department. Interim Measures for the Administration of the Business Activities of Online Lending Information Intermediary Institutions. CBRC Order. Google Scholar
[3] Jackson K. A detailed look into peer to peer lending. Honors Economics Senior Thesis. Berkeley: University of California, Berkeley, 2016. Google Scholar
[4] Na"ıdji C. Regulation of European peer-to-peer lending Fintechs Regulatory framework to improve SME's access to capital. Dissertation for Master Degree. Brussels: Faculty Of Economics And Business Campus Brussels, 2017. Google Scholar
[5] Bottiglia R, Pichler F. Crowdfunding for SMEs: A European Perspective. London: Palgrave Macmillan UK, 2016. 93--210. Google Scholar
[6] Yao Q. Digital currency and bank account. Tsinghua Financ Rev, 2017, 7: 63--67. Google Scholar
[7] Szabo N. Smart contracts: building blocks for digital markets. 2016. https://kameir.com/smart-contracts/. Google Scholar
[8] Institute of Digital Money, The People's Bank of China. A transaction method, system and apparatus for investment financing based on digital money. China, 201710496964.3. Google Scholar
[9] Institute of Digital Money, The People's Bank of China. Digital money circulation method and device. China, 201710495071.7. Google Scholar
[10] Institute of Digital Money, The People's Bank of China. A method and system for binding App wallet and bank digital money wallet. China, 201710493140.0. Google Scholar
[11] Institute of Digital Money, The People's Bank of China. A method and system for realizing digital money wallet payment through bank account. China, 201710494152.5. Google Scholar
[12] Institute of Digital Money, The People's Bank of China. A method and system for payment of digital money wallet. China, 201710493211.7. Google Scholar
[13] Digital Asset. The Digital Asset Platform Non-technical White Paper. 2016. http://hub.digitalasset.com/digital-asset-platform-non-technical-whitepaper. Google Scholar
Figure 1
Diagram of transactions on Internet-based investment and lending platform
Figure 2
Example of general plan for digital currency application
Figure 3
Joint signature mechanism of digital currency to control the use of funds
Figure 4
Smart contracts of wallet applications to ensure consistency of transactions
Figure 5
Solution based on centralized system
Figure 6
Solution based on distributed ledger technology
Download PDF
