一位经济学家研究了三种现代力量，它们重新定义了“金钱”的含义、谁控制着金钱以及金融的未来会是什么样子。

货币正日益廉价、数字化和移动化。在《21世纪的货币》一书中，经济学家Richard Holden探讨了低利率、移动货币和加密货币的优点和风险，并解释了这三种基本力量在未来几十年将如何在我们的钱包、区块链以及各主要经济体中继续发挥作用。

作者穿插了三位对现代货币未来产生巨大影响的人物的故事：美国财政部长Janet Yellen、以太坊联合创始人Vitalik Buterin，以及前印度储备银行行长兼国际货币基金组织首席经济学家Raghuram Rajan。作者从微观到宏观，探究了支持数字交易的基础设施、支撑数字交易的货币、对这些货币控制权的争夺、政策和国际货币体系的转变，以及数字时代货币政治的影响。最终，《21世纪的货币》探讨了政府能否有效控制低利率、移动货币和去中心化金融这三大关键力量。

关于作者：

Richard Holden is Professor of Economics at the University of New South Wales, Sydney.

好评：

"A layperson's guide to the way in which digital currencies may evolve over the coming decades and what this means for government-issued currency. This is the issue that will confront policy makers. Richard Holden integrates a currently quite disparate and technical literature to translate that research into what it all is likely to mean for the real world."—Joshua Gans, Professor of Strategic Management, University of Toronto, and author of The Pandemic Information Gap: The Brutal Economics of COVID-19

"Holden has an uncanny knack for writing about complex topics in a lucid, understandable way. He uncovers the reasons behind the recent spate of banking crises and explains where banking is likely to be headed in the era of digitalization. An edifying read for lay and expert alike.”—Bengt Holmstrom, Massachusetts Institute of Technology, 2016 Nobel Laureate in Economics