找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

日本银行发表论文,强调没有发行数字日元的计划

2020-10-13 13:45

 

日本银行(BoJ)发表了一篇关于央行数字货币(CBDC)的论文,尽管它强调没有发行数字日元的计划。


世行概述了建立CBDC的三个潜在动机。日本的零售支付仍以现金为主。但如果这种情况要改变,世行可能需要提供CBDC作为一种选择。另一个原因是,它是否需要改善支付和结算系统的稳定性和效率。在这一点上,日本有几个私人部门的举措,尤其是希望提供数字日元服务的银行。


第三个CBDC驱动因素是支持数字社会的数字日元的潜在需求。目前,日本机构正在大力推动区块链的使用,批发CBDC将有助于实现连锁结算。


没有提到中国的数字元可能会潜入日本社会的担忧。九个月前,日本外务省副部长中山德弘(Norihiro Nakayama)说,“中国正在向发行数字人民币的方向发展,所以我们想提出一些措施来应对这种尝试。”


数字日元报告还概述了CBDC的主要功能。首先是普及,不仅通过手机,还可以使用信用卡。其次是防止假冒的安全性和24/7的弹性,以及在发生灾难时脱机使用的能力。数字日元需要能够实现即时支付,并能与其他支付和结算系统互操作。


至于接下来的步骤,日本央行计划进行三套测试,包括两套概念验证(PoC)。如果日本央行想更进一步,将会有第三个试点阶段。PoC第一阶段将于3月前开始。


在这份报告之前,世行在三个月前成立了CBDC问题工作组。


与许多其他央行一样,日本央行希望确保国际合作。此前,作为Stella项目的一部分,它与欧洲央行(ECB)进行了几次测试。继欧洲央行上周发布数字欧元报告后,欧洲央行、日本央行、国际清算银行(BIS)和其他五家央行今天也发布了一份关于CBDC的报告。

 

The Bank of Japan (BoJ) published a paper about central bank digital currency (CBDC), although it emphasized it has no plans to issue a digital yen

The Bank outlined three potential motivations for a CBDC. Retail payments in Japan are still dominated by cash. But if that situation were to change, the Bank might need to provide a CBDC as an option. Another reason would be if it was required to improve payment and settlement systems’ stability and efficiency. On this point, there are several private Japanese initiatives, particularly from banks looking to offer digital yen. 

And the third CBDC driver is the potential need for a digital yen to support a digital society. For now, there’s quite a push by Japanese institutions to use blockchain and a wholesale CBDC would be useful for on-chain settlement.

Not mentioned were concerns that China’s digital yuan could creep into Japanese society. Nine months ago, Norihiro Nakayama, Japan’s deputy minister of foreign affairs, said, “China is moving toward issuing digital yuan, so we’d like to propose measures to counter such attempts.”

The digital yen report also outlined key features that would be expected from a CBDC. The first is universal access, so not just via mobile phones but also using cards. Next is security to prevent counterfeits and resilience in terms of 24/7 and the ability to use it offline in case of disasters. A digital yen would need to enable instant payments and be interoperable with other payment and settlement systems.

In terms of next steps, the BoJ plans three sets of tests, including two proofs of concept (PoC). If the BoJ wants to take things further, there will be a third pilot phase. The PoC phase 1 will start before March.

The report follows a working group on CBDC set up by the Bank three months ago.

Like many other central banks, the BoJ wants to ensure international cooperation. It previously conducted several tests as part of Project Stella with the European Central Bank (ECB). The ECB, BoJ, Bank for International Settlements (BIS) and five other central banks also published a report on CBDC today following the release of the ECB’s report on the digital euro last week.

 

来自: Ledger Insights