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意大利银行业协会积极参与欧洲央行数字货币项目

2020-6-22 12:33

 

昨天,意大利银行协会ABI宣布,意大利银行愿意参与欧洲央行(ECB)的中央银行数字货币(CBDC)工作。


该协会强调了其在Spunta项目中的经验,该项目是区块链倡议的,旨在使意大利大多数银行部门的银行间协调自动化。鉴于这一经验,它确实可能成为一个不错的候选国家,作为数字欧元的试点。


协会中现有的一个工作组专注于数字货币和加密资产,他们概述了CBDC的十个考虑事项,希望与大家分享。例如,遵守欧盟法律的重要性,对广泛信任和可用性的需要,以及CBDC可能有助于降低“高风险”加密货币的吸引力。


该小组还强调了CBDC可能带来的未来创新,如P2P交易、机器对机器支付、降低利率和交易对手风险,以及拥有智能或可编程货币的能力。


欧元区的几个国家已经提出了他们可能会参与CBDC研究的原因。法国央行一直在进行一些测试,两个月前,荷兰央行表示希望发挥主导作用。去年,德国银行协会对数字欧元提出了自己的看法。


与此同时,欧洲央行正在推进对CBDC方案的测试。最近发表的一篇论文探讨了CBDC如何阻止作为价值储存手段的使用。

 

Yesterday the Italian banking Association ABI announced the willingness of Italian banks to participate in the central bank digital currency (CBDC) work of the European Central Bank (ECB).

The Association highlighted its experience in the Spunta project, a blockchain initiative that automates the interbank reconciliations of most of the Italian banking sector. Given that experience, it could indeed be a good candidate as a trial nation for a digital euro.

An existing working group within the Association is focused on digital currency and crypto assets and they outlined ten CBDC considerations that they wanted to share. For example, the importance of complying with EU laws, the need for widespread trust and usability, and that a CBDC might help to reduce the attraction of “higher risk” cryptocurrencies.

The group also highlighted potential future innovations that a CBDC might enable, such as P2P transactions, machine-to-machine payments, a reduction in interest rate and counterparty risks, and the ability to have smart or programmable money.

Several countries within the eurozone have put forward why they might get involved in CBDC research. The Banque de France has been conducting some of its own tests and two months ago the Central Bank of Netherlands said it wanted to play a leading role. Last year the Association of German Banks set out its thoughts on the digital Euro.

Meanwhile, the ECB is moving forward with testing CBDC scenarios. One of the more recent publications was a paper exploring how a CBDC might deter use as a store of value.

 

来自: Ledger Insights