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瑞典央行希望主办国际清算银行创新中心

2020-3-18 16:00

 

位于央行数字货币(CBDC)研究前沿的瑞典央行——瑞典央行(Riksbank)上周宣布,已向议会申请授权,主办国际清算银行(BIS)的一个创新中心。目前的立法不允许中央银行为国际组织提供资金,因此需要修改法律。这笔资金的最高限额是每年3000万瑞典克朗(300万美元)。


尽管瑞典央行尚未决定是否继续推进CBDC,但它最近与埃森哲(Accenture)签署了一份合同,将对针对普通大众的CBDC进行试验。在一定程度上,由于瑞典的现金使用率非常低,世行多年来一直在探索CBDCs,并在2018年被迫否认有发行CBDCs的具体计划。


在CBDC测试方面,国际清算银行还与6家央行合作,共享研究成果。这些机构包括瑞典央行(Riksbank),以及英国央行(Bank of England),后者最近概述了CBDC的想法。


在提交给议会的文件中,该行表示:“现金的边缘化正在挑战国家在支付市场中的角色,也在挑战瑞典央行(Riksbank)继续履行其使命、在瑞典推广安全高效的支付体系的能力。”


提到Facebook的天秤座,它说,这个项目清楚地表明,世界各地的中央银行需要合作,以应对挑战,并利用数字化的机会。


瑞典央行举办国际清算银行创新中心的动机是,它可以根据自己的研究做出积极贡献,并希望保持在金融科技创新的前沿。该行还指出,竞争相当激烈。最初的中心在香港、新加坡和瑞士。值得注意的是,没有欧盟代表。尽管瑞典是欧盟成员国,但它不属于欧元区。


前欧洲央行(ecb)主任Benoit Cœure被任命为负责人去年国际清算银行创新中心。中心有三个角色。作为目前国际清算银行活动的延伸,它将确定影响各国央行的关键技术趋势。第二个目的是中央银行之间的合作。第三个作用是创造新的“央行公共产品”,它将其指定为核心金融基础设施。


这并不意味着它计划排挤私营部门的创新。但它计划通过创新来更广泛地传播效益。


在被问及央行是否适合参与创新时,BIS研究主管Hyun Song Shin表示:“我们有责任站在辩论的前沿。事实上,我们别无选择,否则,事态会压倒我们的。”

 

Riksbank, the Swedish central bank, which is at the forefront of Central Bank Digital Currency (CBDC) research, has applied to parliament for authorization to host one of the BIS Innovation Hubs, it announced last week. Current legislation does not allow the central bank to finance an international organization, hence the need to change the law. The funding will be a maximum of 30 Million Swedish Krone ($3 million) per year. 

While Riksbank has not made a decision to go ahead with a CBDC, it recently signed a contract with Accenture for a trial for a CBDC targeted at the general public. In part because of the very low rate of cash usage in Sweden, the Bank has been exploring CBDCs for years, and in 2018 was forced to deny it had concrete plans to issue one.

In terms of CBDC tests, the BIS is also collaborating with six central banks to share research. These include Riksbank, as well as the Bank of England, which recently outlined its CBDC thoughts.

In the document submitted to parliament, the Bank states: “The marginalisation of cash is challenging both the role of the state in the payment market and the Riksbank’s ability to continue to uphold its mandate of promoting a safe and efficient payment system in Sweden.”

Referring to Facebook’s Libra, it says this project made it clear that central banks around the world need to cooperate to meet challenges and also take advantage of digitalization opportunities.

Riksbank is motivated to host a BIS Innovation Hub because it can provide a positive contribution based on its research and wants to remain at the forefront of innovation in fintech. The bank also noted there is considerable competition. The initial hubs are in Hong Kong, Singapore and Switzerland. Notably there is no EU representative. Even though Sweden is an EU member it is not part of the Eurozone.

Former European Central Bank Director Benoît Cœuré was appointed to head the BIS Innovation Hub last year. The Hub has three roles. As an extension of current BIS activities, it will identify critical technology trends affecting central banks. The second purpose is for collaboration between central banks. And the third role is to create new “central bank public goods” which it specified as the core financial infrastructure.

That doesn’t mean it plans to crowd out private sector innovation. But it plans for its innovations to spread benefits more widely. 

Asking the question about whether central banks are suited to involvement in innovation, BIS Head of Research Hyun Song Shin stated: “we have a responsibility to be at the cutting edge of the debates. In fact, there is really no choice but to do so, as otherwise, events will overtake us.”

 

来自: Ledger Insights