波兰和德国在 COVID-19 大流行前后对加密货币和现代货币的看法

IF 2.1 Q2 BUSINESS, FINANCE International Journal of Financial Studies Pub Date : 2024-06-29 DOI:10.3390/ijfs12030064
Marta Maciejasz, Robert Poskart, Daria Wotzka
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引用次数: 0

摘要

研究背景:尽管在有关金融系统,特别是其外围的文献中,已经对私有、去中心化数字货币(加密货币)问题进行了相当广泛的描述,但对金融系统参与者的观点,即基于对货币的信任及其广泛接受度的研究还存在不足。缺乏国际比较研究,尤其是在 COVID-19 病毒大流行前后进行的研究。大流行表明,人们使用不同形式货币的意愿发生了显著变化。由于在家中与世隔绝,避免与他人直接接触,人们开始更频繁地使用数字货币。文章目的针对已发现的研究空白,本研究报告了年轻金融市场参与者对加密货币认知的研究成果。文章试图回答以下研究问题:(1) COVID-19 大流行和经济封锁是否在国际层面引起了人们对传统货币体系和加密货币的看法和态度的变化?(2) COVID-19 大流行是否改变了人们对加密货币作为当前法定货币潜在替代品的看法?方法:为了评估受访者的观点,我们以问卷形式进行了调查。2019/2020 年的受访者人数为 171 人(德国 143 人,波兰 128 人),2021 年的受访者人数为 157 人(德国 95 人,波兰 62 人)。为便于分析,我们使用 Z 比率检验进行了统计分析,以捕捉答复分布的特征和它们之间的关系。通过这两个时间点,我们可以确定 COVID-19 前后的意见是否发生了重大变化。研究结果与附加值:研究结果表明,虽然由于各种因素的影响,人们对传统货币体系和加密货币的看法存在显著差异,但 COVID-19 大流行和经济停摆并没有在这方面造成统计学上的显著差异。
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Perceptions of Cryptocurrencies and Modern Money before and after the COVID-19 Pandemic in Poland and Germany
Research background: Despite the fact that the issue of private, decentralized digital money (cryptocurrencies) is already quite extensively described in the literature dedicated to the financial system, especially its periphery, there is a deficiency in terms of research on the opinions of participants in the financial system, based on trust in money and its widespread acceptance. International comparative studies are lacking, particularly those conducted before and after the COVID-19 virus pandemic. The pandemic showed that people had significantly changed their willingness to use different forms of money. Being isolated at home and avoiding direct contact with others, people started to use digital money more frequently. Purpose of the article: In response to the identified research gap, this study reports research results on the perception of cryptocurrencies by young financial market participants. It attempts to provide answers to the following research questions: (1) Has the COVID-19 pandemic and the lockdown of economies caused changes at the international level in perceptions and attitudes toward the traditional monetary system and cryptocurrencies? (2) Has the COVID-19 pandemic changed perceptions of cryptocurrencies as a potential alternative to current fiat money? Methods: To evaluate respondents’ opinions, a survey in the form of a questionnaire was conducted. The respondent groups in 2019/2020 were N = 171 (Germany = 143 and Poland = 128), while in 2021, N = 157 (Germany = 95 and Poland = 62). For analytical purposes, statistical analysis using the Z ratio test was used to capture the characteristics of the response distributions and the relationships between them. These two moments in time allowed us to determine whether there were significant changes between opinions before and after COVID-19. Findings & value added: The study’s results showed that while there are significant differences in perceptions of the traditional monetary system and cryptocurrencies due to a variety of factors, the COVID-19 pandemic and the shutdown of economies did not cause statistically significant differences in this regard.
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来源期刊
CiteScore
3.70
自引率
8.70%
发文量
100
审稿时长
11 weeks
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