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[{"key": "dc.contributor.advisor", "value": "Junttila, Juha-Pekka", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Virtanen, Petteri", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2021-04-29T12:31:49Z", "language": "", "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2021-04-29T12:31:49Z", "language": "", "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2021", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/75245", "language": "", "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Yksityisten kryptovaluuttojen kilpailu perinteisen k\u00e4teisrahan sek\u00e4 v\u00e4himm\u00e4isvarantoj\u00e4rjestelm\u00e4n (reservi) kanssa on ajanut keskuspankit ymp\u00e4ri maailman tutkimaan kolmatta vaihtoehtoista keskuspankkirahan muotoa k\u00e4teisen ja reservin ohelle. Kolmas vaihtoehto voisi nykytutkimuksen perusteella olla keskuspankin digitaalinen valuutta (CBDC, Central Bank Digital Currency). Merkitt\u00e4vi\u00e4 CBDC:n tutkimuksen edist\u00e4miseen vaikuttava tekij\u00f6it\u00e4 ovat k\u00e4teisen k\u00e4yt\u00f6n v\u00e4heneminen sek\u00e4 tarve uusille maksuselvitysj\u00e4rjestelmille.\r\nT\u00e4ss\u00e4 tutkielmassa tarkastellaan keskuspankin digitaalista valuuttaa rahoitusvakauden n\u00e4k\u00f6kulmasta. Pyrkimyksen\u00e4 on selvitt\u00e4\u00e4, kuinka t\u00e4llainen valuutta vaikuttaa rahoitusvakauteen sek\u00e4 maksuj\u00e4rjestelmien k\u00e4sittelyyn. \r\nKoska CBDC-tutkimusala on vasta kehittym\u00e4ss\u00e4, tutkimus toteutettiin k\u00e4ytt\u00e4m\u00e4ll\u00e4 integratiivista kirjallisuuskatsausta sek\u00e4 akateemisten tietokantahakujen avulla. Iso-Britannian ja Ruotsin keskuspankit valittiin mahdollisiksi varhaisiksi keskuspankin digitaalisen valuutan k\u00e4ytt\u00e4jiksi, koska n\u00e4m\u00e4 keskuspankit ovat tehneet tutkimusta CBDC:n osalta jo pitk\u00e4\u00e4n.\r\nTutkielman p\u00e4\u00e4havainnot ovat seuraavanlaiset: Keskuspankin digitaalisen valuutan k\u00e4ytt\u00f6\u00f6notolla vaikuttaa olevan positiivinen vaikutus eritoten rahapolitiikan v\u00e4litt\u00e4misen tehokkuudessa kansantalouden eri alueille. Keskuspankin digitaalisen valuutan k\u00e4ytt\u00f6\u00f6nottovaiheessa on useita riskej\u00e4 liittyen finanssi- ja pankkisektoreiden vakauteen. Kuitenkin useat tutkimukset osoittavat, ett\u00e4 pankkivakauteen kohdistuvat riskit voidaan oikeanlaisilla toimilla v\u00e4ltt\u00e4\u00e4. Rahoitusteorioiden osalta tutkimus toteaa, ett\u00e4 CBDC:n ensivaiheen k\u00e4ytt\u00f6\u00f6notto on jo mahdollista Iso-Britannian ja Ruotsin keskuspankeissa. Tutkimuksen mahdolliset k\u00e4ytt\u00f6kohteet ovat CBDC:n k\u00e4ytt\u00f6\u00f6nottovaiheen riskien tunnistamisessa.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Competition from private digital currencies has driven innovation from the central banks around the world to research a third alternative form of central bank money in addition to cash and reserves. The third alternative is the Central Bank Digital Curren-cy. Another major driving force for CBDC is the decline in cash usage and the need for better settlement systems. \r\nIn this thesis, CBDC is studied from the financial stability perspective to see how financial stability and payment systems are discussed in the literature of CBDC. Bank of England and Swedish Riksbank were selected as case studies in this thesis be-cause of their early work and developments in CBDC. Since the CBDC research field is currently developing, the research was conducted using integrative research methods and database searches. \r\nAfter evaluating the literature, the main findings of this thesis are that accord-ing to the literature, there seem to be positive effects from the adoption of CBDC. Es-pecially in terms of the efficiency of the monetary transmission process. Risks associ-ated with the introduction of CBDC are somewhat notable but would be overcome de-pending on the adoption type of CBDC. The possible implications of this research are that further research is needed in the practical adoption methods. However, the theo-retical aspects seem to be already ready for early adoption in the Bank of England and Riksbank.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2021-04-29T12:31:49Z\r\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2021-04-29T12:31:49Z (GMT). No. of bitstreams: 0\r\n Previous issue date: 2021", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "68", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "CBDC", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Central-Banking", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Money", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Currencies", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Financial Stability", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Central Bank Digital Currency : Cases of Sweden and Great Britain", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202104292555", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": 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"qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Taloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "2041", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "keskuspankit", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahapolitiikka", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "valuutat", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "raha", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahateoria", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankit", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "valuuttapolitiikka", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "central banks", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "monetary policy", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "currency", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "money (means of payment)", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "monetary theory", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "banks (monetary institutions)", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "currency policy", "language": "", "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", 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