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美国联邦储备委员会(Federal Reserve)正在向央行的数字货币迈进

2020-2-7 12:11

 

一些国家正在探索发行自己的央行数字货币。美联储(fed)可能很快也会加入这一行动。


在人们对央行数字货币(CBDC)的兴趣一度似乎不温不火之后,美联储(fed)如今正研究是否发行自己的数字美元。


美联储(Fed)理事莱尔•布雷纳德(Lael Brainard)昨日表示,美联储“正在进行分布式总账技术及其数字货币潜在用例的研究和实验,包括建立CBDC的可能性”。


据路透社报道,布雷纳德周三在斯坦福大学商学院的一次会议上发表了上述声明。


鉴于美联储作为全球储备货币的角色,布雷纳德在会议上表示,美联储需要“站在CBDC研究和政策制定的前沿”。她的言论代表了美联储对数字美元立场的显著转变。两年前,布雷纳德曾表示,“没有必要迫切地证明有必要使用美联储发行的数字货币。”


去年,美联储(fed)宣布打算为银行创建一个名为“FedNow”的实时支付系统,但没有提及该系统中包含一种数字货币。

各国政府竞相开发数字货币


鉴于当前的全球形势,美联储对自己的数字货币的兴趣最近可能已经改变:上个月,国际清算银行(Bank for International Settlements)发布的一份报告发现,80%的央行已经在研究是否发行自己的cbdc。


中国和日本等多个国家已宣布,计划尽早推出本国货币的数字版本。中国和日本政府都公开表示,他们的数字货币计划是受到了Facebook的稳定项目Libra的威胁而加快的。


根据布雷纳德的评论,美联储可能也有类似的担忧:“一些新参与者不在金融体系的监管范围之内,他们的新货币可能在非法融资、隐私保护、金融稳定和货币政策传导等领域构成挑战,”这位美联储(Fed)理事昨日表示。


她说:“Facebook的活跃用户网络占全球人口的三分之一,因此该公司的Libra全球稳定基金项目让有关金钱可以采取何种形式、由谁或什么人来发放、以及如何记录和结算支付的争论变得紧迫起来。”


随着数字货币在全球金融体系中变得越来越重要,这场竞赛正在展开。

 

Several countries are now exploring issuing their own central bank digital currency. And the US Federal Reserve might soon be joining in on the action.

 

After what previously appeared to be only tepid interest in a central bank digital currency (CBDC), the US Federal Reserve is now studying whether to issue its own digital dollar.

 

This according to Lael Brainard, a governor for the Fed, who said yesterday that the US central bank is “conducting research and experimentation related to distributed ledger technologies and their potential use case for digital currencies, including the potential for a CBDC.”

 

Brainard made the statements on Wednesday at a conference at the Stanford Graduate School of Business, according to Reuters.

 

Given its role as the world’s reserve currency, Brainard said during the conference that the Fed needs to be “on the frontier of research and policy development regarding CBDC.” Her comments represent a marked shift in the Fed’s position on a digital dollar. Two years ago, Brainard said that there was “no compelling demonstrated need for a Fed-issued digital currency.”

 

Last year, the US Federal Reserve announced its intention to create a real-time payments system for banks called FedNow but did not mention a digital currency as part of the system.


Governments race to develop digital currencies

 

The Fed’s interest in its own digital currency may have changed recently given the current global landscape: Last month, a report published by the Bank for International Settlements found that 80 percent of central banks are already researching whether to issue their own CBDCs.

 

Several countries, such as China and Japan, have announced plans to launch digital versions of their national currencies sooner rather than later. The governments of both China and Japan publicly stated that their plans for a digital currency were hastened by the perceived threat of Facebook’s stablecoin project, Libra.

 

And the Fed, according to Brainard’s comments, may be similarly concerned: “Some of the new players are outside the financial system’s regulatory guardrails, and their new currencies could pose challenges in areas such as illicit finance, privacy, financial stability and monetary policy transmission,” the Federal Reserve governor remarked yesterday.

 

“Because Facebook has an active user network of one-third of the global population, the company’s Libra global stablecoin project has imparted urgency to the debate over what form money can take, who or what can issue it, and how payments can be recorded and settled,” she said.

 

The race is on as digital currencies becoming increasingly important in the global financial system.

 

原作者: Frank Cardona 来自: decrypt