| | | | PROBLEMS OF MODERN ECONOMICS, N 3 (91), 2024 | | | | FINANCE AND CREDIT SYSTEM: BUDGET, CURRENCY AND CREDIT REGULATION OF ECONOMY, INVESTMENT RESOURCES | | | Karavaeva E. V.
Assistant Professor, Chair of project management and economics of entrepreneurship, Ufa State Oil University of Technology, PhD (Economics)
Baiburin R. R.
Engineer and researcher, Chair of project management and economics of entrepreneurship, Ufa State Oil University of Technology, PhD (Economics)
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| | | The article examines and analyzes the definition of the newest type of money — digital money, which is expected to contribute to improving the quality of economic monitoring and control by the state. The main functions of such money are discussed in addition to the typical functional scheme offered by K. Marx. The authors of the study touched upon the fundamental foundations of economic theory, in particular, monetary theory; they discussed the most important properties of the digital ruble, which allow presenting an overall picture and demonstrate the working of the new monetary form in practice. The authors’ approach presents a clear theoretical and economic concept of the benefits of the digital ruble in case digital wallets are introduced in accordance with the existing experience and the official information from the Bank of Russia. The article emphasized the role of the digital ruble in the diversification of payment systems, which reduces dependence upon commercial banks and private payment systems. | | Key words: digital money, digital ruble, definition of digital money, functions of digital money, digital wallet, theory of money | | Pages: 81 - 84 |
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