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把危机转化为机遇,中国离CBDC又近了一步

2020-3-25 15:05

 

随着世界各国央行纷纷将利率降至零,并采取积极行动应对由冠状病毒大流行造成的经济衰退,中国央行正在加快实施其央行数字货币(CBDC)计划。


据《环球时报》3月24日报道,中国距离发布CBDC又近了一步。中国银行已经完成了官方数字货币基本功能的开发,目前正在起草相关法律,以帮助其实施。


《环球时报》还提到,包括阿里巴巴、腾讯、华为和招商银行在内的许多深圳民营企业都参与了数字货币的开发。


数字复兴基金会董事总经理曹燕告诉新华社,这些私营公司是根据他们丰富的区块链和第三方支付经验挑选出来的。


中国利用其先进的移动支付公司

阿里巴巴的支付宝和腾讯的微信支付在中国总共有超过17亿的活跃账户,比这个国家的人口还多3亿。它们将社交媒体、电子商务和支付融合在一起,创建了一个先进的在线商业基础设施。


据报道,支付宝在1月21日至3月17日期间公布了五项与中国官方数字货币有关的专利。


据行业媒体报道,这些专利涵盖了数字货币的多个领域,包括发行、交易记录、数字钱包、匿名交易支持以及在监督和处理非法账户方面的帮助。


中国的长期目标是在国际经济发展游戏中领先

曹认为,加快CBDC计划可以帮助将危机转化为机遇,因为加密货币被视为将央行的零利率和负利率政策转化为商业银行的最方便工具。他补充说:


“如果中国有可能考虑将利率降至负值作为最终选择,并将此类政策导向商业贷款和放贷,那么流通中的数字货币(而非M0)将能够实现这一目标。”


Cointelegraph此前曾报道过中国在“一带一路”倡议相关国家实施数字人民币的计划。中国将CBDC视为让人民币在国际经济发展中处于优势地位的重要战略。

 

As central banks around the world are cutting interest rates to zero and taking aggressive action against the economic recession due to the coronavirus pandemic, China’s central bank is accelerating its central bank digital currency (CBDC) plan.

According to a Global Times report on March 24, China is one step closer to issuing its CBDC. The Bank of China has completed development of the basic functions of the official digital currency and is now drafting laws that will help its implementation. 

The Global Times also mentioned a number of Shenzhen-based private companies including Alibaba, Tencent, Huawei and China Merchants Bank have participated in the development of the digital currency. 

Cao Yan, managing director of Digital Renaissance Foundation, told the news agency that these private companies were selected based on their rich blockchain and third-party payments experiences.  

China has leveraged its advanced mobile payments companies 

Alibaba’s Alipay and Tencent’s WeChat Pay together have more than 1.7 billion active accounts across China — 300 million more than the country’s population. They have blended social media, e-commerce and payments to create an advanced online commercial infrastructure. 

Alipay reportedly publicized five patents related to China's official digital currency between January 21 to March 17. 

The patents cover several areas of digital currency, including issuance, transaction recording, digital wallets, anonymous trading support and assistance in supervising and dealing with illegal accounts, industry media reported.

China’s long term goal is to get ahead of the international economic development game

Cao believes that accelerating the CBDC plan can help turn a crisis into an opportunity, as cryptocurrency is seen as the most convenient tool to translate a central bank's zero and negative interest rate policy into commercial banks. He added that: 

"If there is a chance China is considering lowering its interest rate into negative territory as an final option and directing such policy to commercial loans and lending, a circulated digital currency rather than M0 will be able to achieve that."

Cointelegraph previously reported on China’s plan to implement the digital Yuan among countries involved in its Belt and Road initiative. China sees its CBDC as an important strategy to give the Chinese RMB the upper hand in international economic development.

 

来自: cointelegraph