العملات الرقمية غير الرسمية (تقدير اقتصادي إسلامي)
الكلمات المفتاحية:
العملات الرقمية، العملات غير الرسمية، العملات الافتراضيةالملخص
هدفت الدراسة إلى بيان طبيعة وخصائص العملات الرقمية بمفهومها الواسع، كمدخل نظري للتعريف بحقيقة وأقسام العملات الرقمية، سواء أكانت العملات الافتراضية أو العملات المشفرة أو العملات المستقرة أو العملات القانونية، إلا أن الدراسة سلطت الضوء على العملات الرقمية غير الرسمية؛ وذلك لغاية إبراز التقدير الاقتصادي الإسلامي منها. وتضمنت الدراسة تكييف العملات الرقمية غير الرسمية بحسب ما توصل إليه خبراء الصناعة المالية الإسلامية، من خلال عدة تكييفات لماهية العملات الرقمية غير الرسمية، كما تضمنت الدراسة الإشارة لأبرز المخاطر الاقتصادية للعملات الرقمية غير الرسمية، منها المخاطر المتعلقة بالنقد والسياسة النقدية، بالإضافة إلى مخاطر الاستقرار المالي والمصرفي، وعرضت الدراسة تقدير الاقتصاد الإسلامي للعملات غير الرسمية، حيث أوضحت مخالفات العملات الرقمية غير الرسمية من منظور الاقتصاد الإسلامي، وبيان البديل الشرعي المناسب لتلك العملات الرقمية من موقف المذهب الاقتصادي الإسلامي. وقد توصلت الدراسة إلى أن العملات الرقمية غير الرسمية هي مجرد أصول افتراضية كأرقام وبيانات على شاشة منصات الإنترنت، وهذا التكييف سلب منها الطبيعة النقدية والسلعية، بالإضافة إلى عدم كونها أصول مالية حقيقية. كما خلصت الدراسة إلى مخاطر العملات الرقمية غير الرسمية ذات أثر على الاقتصاد الكلي؛ من حيث النقد والسياسة النقدية والاستقرار المالي والمصرفي، بالإضافة إلى العملات الرقمية غير الرسمية لا تتوافق مع موقف الاقتصاد الإسلامي من عدة محاور، والبديل المناسب هي النقود والعملات الرقمية القانونية الصادرة من البنوك المركزية.
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