Phan Tran Tmng DUng. Bdng Libra: Bdn chdt, ddc diim v
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Dong Libra: Ban chat, dac diem va danh gia trien vong twong lai
Phan Trdn Trung Ddng' Trudng Dgi hgc Ngogi thucmg
Ngdy nhdn bdi- 05/11/2019, ngdy gin phdn bien: 8/12/2019, ngdy duyet dang- 31/03/2020
_r\dng Libra dugc gidi thieu bdi Facebook dang thu hiit nhieu su quan tdm tic phia nhimg J.^ ngudi qudn ly, ngudi lam chuyen mdn vd ngudi su dung do cd nhicng diim tich cue vd tieu cue ciia nd. Bdi viet khdi luge nhirng ddc diem ca bdn ciia ddng Libra, so sanh no vdi dong Bitcoin vd neu ra mgt sd im/nhuac diem de nhdn dinh vi trien vgng cita ddng tiin dien tic ndy trong tucmg lai.
Tir khda: Bitcoin, Facebook, Libra, tign dien td
Mo-aau
Ky nguygn sd hda dang md ra cho toan bd nen kinh te the gidi, bao tnim Ign tten dd la nhiing iing dung dich vu mdi, nhiing ngn tang cdng nghe mdi nhu cdng nghe 4.0, AI, blockchain... Mdt ttong sd nhiing img dung cua blockcham la sy ra ddi ddng tien ky thuat sd (cryptocurrency). Dii duoc ddn nhan theo nhigu each khae nhau, cd tich cyc va chao ddn, ciing cd tigu cyc va nghi ngd, nhung khdng thg phu dinh sy hien huu cua cae ddng tien ky thuat sd trong ddi sdng kmh te hign nay. Di cimg vdi nhiing dong tien da dugc dinh hinh mgt each rd rang nhu Bitcoin, Eretheura, Bitcoin cash, ddng Libra la ragt dy an dugc edng ty phuang tien tmygn thdng va dich vu mang xa hdi Facebook tung ra nham tao ra mdt ddng tign sd cua rieng minh vdi nhirng dac tnmg rigng biet. Bai viet nham gidi thieu nhirng dac trtmg CO ban cua ddng Libra, cac lgi the ciing nhu nhiing van de tdn tai raa ddng tign nay co thg mang lai. Sic dyng phuong phap nghien ciiu tdng hgp, dign dich, bai vigt cho thSy nhiing quan digm phd bien nhat ve ddng Libra, ciing nhu dua ra mgt sd danh gia vg tuang lai cua ddng tien nay.
1. Gioi thieu ve dong Libra
Libra la mdt loai tien ky thuat sd dya ttgn cdng nghe blockchain, dugc dg xuat bdi Facebook, Tuy nhign, Facebook khdng phai la chit sd hiiu duy nhat ciia ddng tign nay. Nd dugc ddng thdi quan ly bdi cdng ty con Calibra cua Facebook va 27 td chiic khac ttong cac linh vyc thanh toan, cdng nghe, vign thdng, thi tmdng true tuyen, dau tu mao higm va phi lgi nhuan. Thdng tm vg viec Facebook dy dinh cho ra ddi ragt loai tien dien tii xuSt hien Idn d§u tign vao thang 5/2019. Tai thdi digm nay, nd dugc ' fandzung@flu,edu.vn
Nghien cim An Do va Chau A. Sd 4 - 2020, tt.41 -^
Phan Trrin Tmng Dung. Ddng Libra: Ban chdt. dgc diein_v ggi la "GlobalCoin" hoac "Facebook Coin". Sau dd, tgn ggi Libra duge chinh thiic cdng bd vao ngay 18/6/2019. Libra van dang ttong giai doan thir nghigm ban diu va dugc du kign ra mat vao nam 2020, ngudi diing se co thg giao dich b5ng ddng Libra tren toan bg cac ngn tang xa hgi Facebook, bao gdm Messenger, Whatsapp va Instagram. Facebook mygn bd Libra se khdng ra mat cho dgn khi tk ca cac vin dg vg phap ly da dugc dap iing va Libra cd "su chip thuan phii hgp".
Hinh 1.1. Logo ciia dong ti^n Libra
Ngudn: Sach ttang Libra
Facebook cho ra mat mdt cdng ty con, Calibra, chuygn xir ly cac giao dieh tign dien tit va bao ve quygn rigng tu cita ngudi dimg bang each khdng trdn lan cac khoan thanh toan Libra cua ngudi diing vdi dii lieu Facebook ciia hg de cd the sir dung vao cac muc tigu quang cao. Nhimg Facebook/Calibra va cac thanh vign sang lap khac cua Hiep hdi Libra se kiem dugc tign lai tir tign mat cua ngudi dimg ttong kho dy tru dg giii cho gia tri cua Libra dn dinh.
Cdch thuc van hdnh ciia Libra
Cho tdi nay, each van hanh va su dung Libra dugc hinh dung la tuang ddi don gian. Ngudi dimg nap tign that dg ddi lay Libra va sau do sir dung ehung ma khdng phai chiu phi giao dich Idn hoac phai diing ten that, va bat cii khi nao mudn ciing cd thg nit tign ra. Ngudi sir dung cd thg giao dich bang ddng ngi te ciia minh thay cho Libra va ngugc lai thdng qua mgt sd ung dung vi nhat dinh, bao gdm Calibra ciia Facebook, iing dyng vi ctia bgn thii ba va cac dai ly dia phuong nhu cira hang tign lgi hoac tap hda.
Dong tiin Libra - mdt logi tien dn dinh
Ddng tien sd Libra cua Facebook la cai tgn ndi bat nhat trong sd cac stableeoin - chi nhiing dong tign sd dugc hd trg bdi cac tai san nhu tign mat, trai phieu chinh phu hoac vang. Ddng tien nay dugc ky vgng la se it bign ddng va ttd ngn phd bien hon so vdi cac loai tign sd hien eo nhu Bitcom. Gia tri ciia mdt Libra co tinli dn dinh, vi vay, nd la mdt phuong tien trao ddi tdt do gia tti Libra dugc gan vdi mdt rd tign giri ngan hang va chimg khoan chinh phu ngan ban cua mdt loat cac loai tign tg qudc tg on dinh ttong lich sir, bao gdm ddng do la, bang Anh, euro, ddng franc Thuy ST va dong ygn. Hiep hgi Libra duy tri rd tai san nay va co the thay doi sd du cua thanh phan ngu can thigt de bii dap bign dgng gia Idn d bat ky mgt ngoai te nao nhSm giii cho gia tti cua mgt Libra ludn on dinh. Higp hdi Libra vln dang dua ra gia tri bat dau chinh xac cho Libra, nhung du kign nd se gan vdi gia tti ciia ddng USD, euro hoac bang Anh dg de dang khai niem hda.
Kho chiea Libra (Libra Reserve)
Theo thigt kg ciia Libra, moi khi al do nit tien mat bang mdt dd la hoac ddng ngi te tuang img cua hg, sd tign dd se dugc chuygn vao Libra Reserve, ddng thdi, mgt gia tti tucmg duong ciia Libra se
Nghien ciiu An Do va Chau A. S6 4 - 2020, tt.41-48 42
Phan Tran Tmng Dung. Bdng Libra: Bdn chdt. ddc diem vd..
dugc tao ra va chuygn cho ngudi do. Ngu ai dd nit tign tir Hiep hdi Libra, Libra ma hg tra lai se bi
"dot" va hg nhan dugc gia tri tuong duong theo ddng ngi te. Dieu dd cd nghTa ia ludn ludn cd 100%
gia tri ciia Libra dang luu hanh trong Libra Reserve duge the chap bang tai san trong thg gidi thyc.
Khac vdi he thdng tign phap dinh ed thg dua ttgn sd nh§.n tign te dg tao ra lugng tign thue tg Idn ban lugng tign ea sd, va do khdng hi rang bude, duge gan vdi mdt loai tign te duy nhat nhu USD, Libra duy tri gia tri ciia rigng minh.
2. Sy khac biet gi&a Libra va cac loai tien dien tur khac
Facebook dua ra mdt he thdng tign te mdi cho thdi dai ky thuat sd va ch&c chSn cac nha d§u tu se nghT tdi viec so sanh nd vdi cac loai tign dien tu phd bign hien nay nhu Bitcoin. Tuy nhien, van dg la.
Libra tham chi cd thg dugc ggi la tign dien tir? Cd mdt sd khac biet mang tinh n6n tang giiia Libra va cac ddng tign dien tii khac (lay vi dy d day la Bitcoin).
Su khde biet ve eong nghe
Vdi Bitcoin, cae giao dich duge ghi lai i n danh tren mdt sd cai dugc ggi la blockchain. Vg co ban, CO sd dir lieu cua Bitcoin dugc duy tti bdi mdt raang may tinh; ttgn do, cac giao dich dugc bao mat theo each khign nd hau nhu khdng thg bi gia mao.
Libra ciing sir dung mgt hinh thiic blockchain. Nhung khdng gidng nhu Bitcoin, blockchain Libra dugc xSy dyng dg giao dich chi cd thg dugc them vao bdi mdt nhdm ddi tac dang tin cSy, dugc ggi la Hiep hdi Libra (Libra Association), mdi thanh vign cua higp hdi nay da dau tu tdi thigu 10 trieu dd la vao du an. Nhu vay, ea che nay khac vdi mang Bitcoin, cd thg dugc tmy cap va duy tri bdi bat ky ai cd du phan ciing va quyen tmy cSp vao intemet.
Phuang phdp sir dung khdc nhau
Sach trang Bitcoin md ta loai tien ao nay la mdt he thdng thanh toan ngang hang, cho phep mgi ngudi trao ddi tien ma khdng can thdng qua ngan hang. Trong khi do, muc dich chmh ciia Libra la dg sir dung ttong thanh toan xuygn bign gidi va chuygn tign. Ddng tign nay dugc gan vdi mgt gid tign te dugc chinh phii hd ttg va cac tai san khac, dg ttanh sy bi6n ddng manh mdt each thai qua thudng thay ttong cac loai tign dien hi nhu Bitcoin va Ethereum.
Nghien ciiu An Do va Chau A. Sd 4 - 2020, tt.41-48
Phan Tran Tmng Dung. Dong Libra: Bdn chdt, ddc diiinv_
Hinh 2.1. Bi6n ddng gia Bitcoin tii' 2012-2019 (Ban vi: USD)
Ngudn: Statista
Bitcoin khdng duge quan ly va cap phep, phi tap tmng hda hoan toan, cd tuih bign dgng. Libra dugc cho phep, tap trung hon, chiu su chi phdi ciia cung va cau, va dugc neo vdi cac loai tign te phap dinh. Mat khac, vg mat ngudn cung tign, Bitcoin cd ngudn cung cd dinh. Tdng sd Bitcoin se dugc tao ra tdi da la 21 trieu, day la con sd khdng thg thay ddi va khdng thg phan iing vdi nhu cau cua thi tmdng; ttong khi do.
Libra dugc tao hoac "ddt" khi mgt ttong nhiing ngudi ban lai dugc uy quygn cita Libra, ky giri hoac nit tign tir kho dy trii Libra.
Bitcoin cd the "dao"; ttong khi dd. Libra hoat dgng theo ca che gan vdi cac ddng tign phap dinh hem, tiic la dya frgn mdt gid cac tai san dam bao. Digu nay giiip loai bd yen td dk\x co, vdn dang dugc coi la mgt dgng ca chinh cua nhirag ngudi nam gift Bitcoin.
Sukhac biet ve nen tdng phdp ly
Trong khi Bitcoin loai trir su tham gia cita cac trung gian tai chinh thi md hinh Libra phu thudc vao cac thyc thg hinh thanh Hiep hdi Libra. Mac du mgt he thdng khdng cd tmng gian la mdt he thdng khdng cd rui ro tmng gian, va do do khong can quy djnh nham bao ve chdng lai cac loai riii ro do cac trung gian dua ra, nhung day se la uu the gan nhu duy nhat ciia Bitcoin tmde Libra ttong khia canh nay. Hiep hgi Libra hien cd 28 thanh vign sang lap, theo Sach ttang cita Libra, va dugc Facebook hy vgng se dat 100 thanh vign vao thdi digm tign te ra mat. Mgt he th6ng tmng gian raanli nhu vay la sy dam bao manh rae cho gia tti nen tang ciia ddng tign.
Tuy vay, dieu nay dat ra cau hoi ve tinh phii hgp ciia Libra ddi vdi cae quy dinh tai ehinh hien hanh nhu thg nao. Ngu Facebook va cac ddi tae ciia minh cd thg vugt qua cac rao can phap ly vdi Libra, thi chae chan su ra ddi ciia dong tign nay se ed tac dgng rat Idn dgn ngn kinh tg toan cSu va tham chi cd thg lan at Bitcoin. Bat ngudn tit tinh chat ciia minh, mdt khi dugc chinh thirc cdng nhan vg mat phap ly, theo quan digm cua tac gia, Libra cd thg dSn ttd thanh mdt phuang tien c4t tru gia tri, gidng nhu chiic nang ciia cac ddng tign phap dinh hien hanh. Do Bitcom mang tinh chat phan tan va
Nghien cim An Do va Chau A. S6 4 - 2020, tt 41 -48 44
Phan Tr^n Trung DQng. Bdng Libra. Bdn chat ddc diim vd...
khdng cd sy quy dinh vg phap ly, ddng tign ao nay khdng thg thyc hien duge chiic nang ma Libra cd thg se dam nhiem ngu nd ra ddi.
3. Mat tich cwc cua ddng Libra Cdi thien khd ndng tiep can tdi chinh
Tac dung dku tign cua Libra la giitp cai thien kha nang tigp can tai chinh (financial inclusion). Hien ed hon 1,7 ty ngudi trudng thanh ttgn toan the gidi khdng du digu kien tigp can vdi cac dich vu ngan hang (theo WB); hau het nhiing ngudi nay sdng d cac nudc dang phat trign. Libra cd kha nang dua mdt thg he vao mdt he thdng tai chinh chinh thiic ban, tir do thay ddi ca he thdng kmh tg - xa hgi. Vdi mdt cdng ddng da cd tii tmde ttgn Facebook vdi hon 2,38 ty ngudi dung hoat dgng hang thang (theo sd lieu cdng bd cua Facebook vao quy 1/2019), rkt cd kha nang ban va gia dinh ban se la mdt ttong sd ho.
Bitcoin chiu sy chi trich Idn vg kha nang trign khai do cac may dao Bitcoin cd cdng snkt cyc Idn, gay ra su tdn kem ve tien dien va ygu cau cao vg ca sd ha tang mang. Facebook lai cd uu thg vg digm nay vi ddi vdi nhieu ngudi tten the gidi, Facebook la each duy nhat hg cd thg tmy cap intemet, dii digu nay nghe cd ve khdng may hgp ly d Viet Nam. Vi dy dign hinh cho digu nay la d Myanmar, noi intemet da cd vao nam 2001, nhung den nam 2012, van cd chua dgn 1% dan so sif dung, don gian vi nd qua dat.
Dieu nay da thay ddi khi Facebook cho phep truy cap iing dung ciia hg trgn hem 50 nha cung cSp dich vy di ddng ttgn toan thg gidi. Va nhu vay, ddi vdi mdt ty le lon dan sd thg gidi, nhiing ngudi chi cd the ket ndi vdl the gidi ben ngoai thdng qua img dyng Facebook, thi dimg Facebook nghia la vao intemet Chi rigng d Nigeria, 65% dan sd tin rang Facebook chinh la intemet. Digu dd cd nghia la Libra, do sy hd ttg tir Facebook, se khien cho mgi ngudi d khap mgi noi cd quygn tmy cap mign phi vao cac dich vu tai chinh ttgn dien thoai eua hg - ke ca ttgn dien thoai coban (featurephone) (Connely, 2019).
Tgo ra mgt su lira chgn thay thi
Du dem lai kha nang tang cudng tigp can tai chinh, nhung quan trgng nh4t la Libra se cung cap mgt sy lya chgn khac cho ngudi sir dung. Trong the gidi ngay nay, phan Idn mgi ngudi bude phai sir dung dong tign phap dinh cua dat nudc hg. Ddi vdi nhiing qudc gia bat dn dinh va cd ty le lam phat cao, sii dung ddng tien ao ciia Facebook se tdt hon giu ddng ndi te phap dmh eua qudc gia minh, va do dd, nd dem lai cho ngudi sir dung sy lua chgn thay thg.
Ndi chung, so vdi cac ddng tien dien tir khac. Libra ed co hgi tdt nhat dg thanh cdng ttong vigc dua mdt ty le Idn ttong dan sd the gidi sang mdt he thdng tai chinh cd the giup xda ddi giam ngheo va cung cap cho ngudi dan nhiing lya chgn thay the cho cae loai tign te ma hg buoc phai sii dung ngay nay, nhat la khi nhiing loai tign te nay dang gap nhigu vin dg ngi tai.
4. Mat tieu cyc cua dong Libra
Nhicng riii ro ve dgo due vd quyen rieng tu cua ngudi diing
Nghien ciiu An Do va Chau A. S6 4 - 2020, tt.41 -48
Phan Tran Tmng Dung. Bong Libra: Bdn chdt, ddc dienfvd^21.
Facebook chua ttmg dugc bigt dgn vdi m each la mgt cdng ty cd ngn tang dao dire tdt. Cdng ty nay timg hen quan trong vu Cambridge Analytica sir dung dir lieu ngudi diing dg thao tung cudc bSu cii tdng thdng d My. Ngoai ra, Facebook cdn duge cho la da dinh liu tdi mdt sd tai tigng d chau Phi va Myanmar, cung nhu khdng giu ldi hiia trong tiiuong vu WhatsApp, dan tdi viec hai nha sang lap cua iing dung nay lan lugt rdi bd Facebook. Chinh vi riii ro nay ngn Libra phai hiing chiu nhigu chi trich tir cac ngan hang tmng uong, Bg ttudng Tai chinh va cac nha lap phap. Trong ragt tiiygn bd chung, cae quan chiic ve an ninh dir lieu hang dau tir Hoa Ky va EU da bay td quan ngai vg su kgt hgp ciia kho dy tru rgng Idn, dii lieu ca nlian va thdng tin tai chinh trong dg xuit cua Libra. Neitz (2019) da dua ra nhiing quan ngai vg viec quyen lyc ciia mgt nhdm nhd cd thg dan tdi sy thao tiing manh ddi vdi ddng Libra. Velasco Branes (2019) cung nhan manh tdi nhirng mdi de dga ma Libra mang lai ddi vdi he thdng tai chinh, va danh gia Libra cd nguy ca ttd thanh mdt loai "ung thu" mdi.
Su le thugc vdg mdt ddng tiin mdi
Neu Libra dugc trien khai thanh cdng va dai da sd thg gidi sir dung Libra nhu la cdng cu luu tru gia tti va giao dich chinh cua minh thi van de Idn la he thdng tien te nay lai dugc xay dung tten ca sd ha tSng cua mdt cdng ty. Digu nay cd thg dem lai rat nhigu he luy. Thii nhat la, ehuyen gi xay ra ngu cdng ty nay bi mdt chinh phu han chg boat dgng ttong khi cdng dan cita hg dang dg danh tign tigt Idem ca ddi ttong ling dung? Thir hai, Facebook cd toan quygn kigm duyet nhiing thir ma ngudi sir dung ddng Libra co hoac khdng thg giao dich. Tham chi, ngu Facebook cham diit quyen sir dung vi ngudi dung cd hanh dgng hoac ldi ndi khdng phii hgp vdi chinh sach cua hg, ngudi dung se bi khda khdi he thdng tai chinh mdi va bude phai quay lai sii dung he thdng phap dinh cu.
Dg duy tti sy dn djnh eiia gia tti ddng Libra, can cd mdt hdi ddng cd quyen kiem soat viec Libra dugc sir dung nhu thg nao ttgn toan thg gidi. Hai he qua ciia viec nay la Libra se gidng nhu ddng tign cua mgt "qudc gia" neng cd ten la Facebook va se cd mgt nhdm rat nhd ngudi cd quygn kigm soat luu thong tign te ttgn pham vi toan the gidi. Do vay, Libra bi phan ddi cdng khai bdi nhigu nhan vat chu chot ttong he thdng tai chinh the gidi nhu Bd trudng Tai chinh Phap Bmno Le Maire, Chit tich Cue Du trir Lign bang My Jerome Powell va Thdng ddc Ngan hang Anh Mark Carney. Cae qudc gia 07 ciing dang thanh lap ragt nhora chuygn gia dg danh gia nii ro do cac loai tien ky thuat sd nhu Libra gay ra ddi vdi he thdng tai chinh.
Khd ndng thdnh edng cua Libra Reserve
Libra Reserve, vdi co chg boat ddng cua minh, dugc ky vgng se la su phat trign eita dong SDR (Special Drawing Right - Quygn rut vdn dac biet); my nhien, ky vgng nay gap phai mdt sd vat can. Thii nhat, SDR dugc quan ly dua ttgn rd cac ddng tign va phan bd cho cac qudc gia, Libra Reserve khdng lam dugc digu nay. Thir hai, mdt ban ehg Idn ciia Libra Reserve la ngu cang cd nhigu ngu'di sii' dung Libra, se cd cang nhigu tai san can dg dam bao theo ca chg boat ddng cita ddng tien nay, dan tdi sy thigu hut va tao ap luc ngay cang Idn Ign lai suat. Taskinsoy (2019) khang dinh Libra se chi cd thg thay the vai trd ciia cac ddng tign hien tai neu cd sy hd ttg rat manh me tir cac ngan hang tirmg ucmg ttgn toan thg gidi.
Nghien ciiu An Do va Chau A. So 4 - 2020, tt.4M8
Phan Tran Tmng Diing. Bong Libra: Bdn chdt, ddc diim vd...
5, Trien vong trong thoi gian i6i
Cam kgt cua Facebook la se dg Libra dugc quan ly bdi Calibra, tiic la dii heu ngudi dimg dugc dam bao an toan va khdng duge sir dung eho cac muc dich quang cao, khai thac bdi Facebook. Tuy nhien, khdng ai cd thg dam bao dugc digu nay khi ttong qua khii, Facebook da timg gap van dg vg quygn rigng tu nhu tmdng hgp Cambridge Analytica hoac trudng hgp cua WhatsApp.
Nhiing canh bao va phan ddi lign tigp tir nhign phia da din dgn eae cau hdi vg viec lieu Facebook ed the tung ra Libra diing han hay khdng. Libra hien dang dugc len ke hoach ra mat vao nam 2020, nhung nhieu nha phan tich nghi rang mdc thdi gian nay qua tham vgng. Wall Street Journal vao ngay 1/10/2019 cho biet, mdt sd cdng ty ttong Hiep hgi dang xera xet lai sy tham gia ciia minh vao du an nay dudi ap lyc phan ddi manh me tur cac qudc gia. Sy mign cuang cua nhiing cdng ty d6i tac quan trgng ciia Libra dugc du bao se cdn tang cao hon nlia, va mgt khi cd nhigu ddi tac cimg rut lui, dy an dong Libra cua Facebook se gap nhigu bat dn.
Khdng chi gap van dg vdi cac ca quan lap phap, tur phia cac nha nghign ciru va cac tap chi uy tin ttong IThh vyc tai chinh ngan hang ciing cd kha nhieu y kign khdng tm tudng vao tuong lai cua Libra ttong thdi gian tdi. FT cdn cho ra ddi han mdt loat bai vigt tap trung vao vigc phg bmh y tudng cho ra ddi ddng tign nay ciia Facebook vdi tgn la "Breaking the Zuck Buck".
Trong bdi canh Viet Nam, viec trign khai Libra chae chan se gap nhigu thach thiie kg ea khi nd da dugc chip thuan thdng qua d pham vi qudc te. Thii nhat, Viet Nam la qudc gia cd mire do kiem soat tien te cao, ttong dd mire do kigm soat ngoai hdi d ngudng rat eao; Libra, kg ca khi cd dugc chip nhSn thi ciing se la mdt loai ngoai hdi. Thii hai, Viet Nara chua cd khudn khd phap ly cho cac loai tign ao; va khi xay dyng khudn khd phap ly cho cac loai tign ao hien hanh, thi nhiing dac digm rieng cd cua Libra ciing se tao ra xung dot, bat huge phai chuan bi mdt khudn khd phap ly rieng cho ddng tign nay, nhat la do tinh chat nhay cam cua quan ly tign te. Tuy vay, mdt diem cd thg dugc coi la tich cyc cho tuong lai cita ddng Libra d Vigt Nam la cdng ddng sir dung Facebook cita Viet Nam cd quy md Idn va kha san sang chap nhan nhiing thir radi cd tinh lan tda. Tuy nhign, dg cd thg thyc hien digu nay, Facebook va Libra can vugt qua kha nhigu rao can tmde do, tir pham vi qudc te, tdi qudc gia ciia timg nudc.
Ket luf n
Do nhirng van dg tigm tang cua Libra Idn han nhigu so vdi nhiing lgi ich ma nd mang lai, viec dong tign nay cd thg trign khai ttong thdi gian tdi theo diing ke hoaeh hay khdng, theo tac gia, mang nhieu tin hieu tieu cyc hom la tich cyc. Tucmg ty nhu vay, trign vgng dg ngudi dimg Viet Nam cd the sir dung ddng Libra la rit thip, ngu nhu khdng ndi la bing khdng, ttong mgt khoang tuong lai nhin thiy dugc phia tmde.
Nghign Cliu An Do va Chau A. So 4 - 2020, tt.41-^
Phan T r i n T m n g Dung. Ddng Libra. Bdn chdt. ddcjiemvd^
Tai lieu tham khao
1. Anna Maria Andriotis and Peter Rudegeair (2019), Visa. Mastercard. Others Reconsider Involvement in Facebook's Libra Network, https://www.wsj.coni/articies/visa-mastercard-others-reconsider-involvement-m- facebook-s-libra-network-11569967023, ngay truy cap 2/10/2019,
2. Ryan Browne (2019), Here are the key di_fferences between the two cryplocwrencies.
https://www.cnbc.coni/2019/07/19/bitcoin-vs-libra-how-facebooks-CTyptoeurrency-is-different.html, ngay tray cap 2/10/2019.
3. Anne Connelly (2019), Why Facebook's New Libra Coin is Good — and Really Bad—for the World, https://medium.com/@anneconnelly/why-facebooks-new-libra-coin-is-good-and-really-bad-for-the-world- 4446a816fa23, ngay tray cap 2/10/2019.
4. Co sd du lieu ve tiep can tai chinh cua World Banlc,
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Nghien ciiu An D o va Chau A. Sd 4 - 2020, tt.41-48