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澳大利亚央行(Reserve Bank of Australia)没有发行CBDC的计划

2020-10-15 13:33

 

在今天的UWA区块链和加密货币会议上,澳大利亚储备银行支付政策主管Tony Richards证实,银行目前还没有发行零售央行数字货币(CBDC)的计划。相反,银行将继续研究去中心化分类帐技术(DLT)及其应用。


Richards将CBDCs区别于其他数字支付形式。他将CBDC形容为“现金的数字化替代品”。这与电子货币形成了鲜明对比,电子货币是通过电子方式存储的,比如Paypal。还有使用DLT的加密货币,它们是私人资金,不是由主权发行机构发行的。最后是稳定蛋白,其目的是具有稳定的价值。

发布CBDC的推动


至于发行CBDC的理由,理查兹指出,在一些司法管辖区,公民依赖实物货币来实现金融包容性,因为许多人没有银行账户或数字支付系统。发展中小国家尤其希望中小企业和发展中国家能够获得金融包容性。另一方面,大多数澳大利亚公民可以使用传统和数字银行账户。


Richards指出,尽管现金在澳大利亚仍然广泛使用,但公民和企业都可以使用高效、灵活的数字支付系统,例如新的支付平台。他认为,即使有一种简单的方式在实物货币和cbdc之间转换,在澳大利亚现有的支付平台上,也没有必要发行cbdc。


他认识到CBDC在支付服务市场竞争中的优势。现金使用减少带来的竞争减少“可能导致支付服务价格上涨,也可能导致创新减少和服务质量差。”不过,他指出,储备银行的授权和监管权力已经解决了竞争问题。


理查兹在总结发言时表示:“世行认为,目前还没有强有力的公共政策理由支持将CBDC用于一般用途。相反,央行将采取观望的方式。如果有明显的好处出现,它声称可以轻易地改变策略。这样,它将“避免任何早期的错误,并充分利用不可避免的技术学习。”目前,世行满足于CBDC在政策和技术方面的研究,并与外部各方合作探索标记金融资产和DLT。


与此同时,最近有几份关于CBDCs的出版物,包括国际清算银行和七家主要中央银行的联合报告,以及欧洲中央银行、日本和爱沙尼亚的其他出版物。

 

Today at the UWA Blockchain and Cryptocurrency Conference, the Head of Payments Policy at the Reserve Bank of Australia, Tony Richards, confirmed the Bank has no plans to issue a retail central bank digital currency (CBDC) just yet. Instead, the Bank will continue with research into decentralized ledger technology (DLT) and its uses. 

Richards differentiated CBDCs from other digital forms of payment. He described a CBDC as a “digital alternative to cash.” That contrasts with e-money, which is stored electronically, such as with Paypal. Then there are cryptocurrencies, which use DLT and are private money not issued by a sovereign issuer. And finally, there are stablecoins which aim to have a stable value.

The push to issue a CBDC

In terms of the rationale for issuing a CBDC, Richards points out that citizens rely on physical money for financial inclusion in some jurisdictions as many do not have access to bank accounts or digital payment systems. Small developing countries in particular look to CBDCs for financial inclusion. On the other hand, the majority of Australian citizens have access to traditional and digital bank accounts.

Richards noted that while cash is still widely available in Australia, citizens and businesses have access to efficient and resilient digital payment systems, e.g. the New Payments Platform. He argues that even if there were an easy way to transition between physical money to CBDCs, with Australia’s existing payment platforms, there’s no need to issue CBDCs.

He recognizes CBDC benefits for competition in the payment services market. Decreased competition from a decline in cash usage “could result in higher prices for payments services, and possibly also in reduced innovation and poor services.” Nevertheless, he points to the Reserve Bank mandate and regulatory powers that already address competition concerns.  

Richards concludes his speech by stating, “the Bank’s view is that no strong public policy case has yet emerged for the introduction of a CBDC for general use.” Instead, the Reserve Bank will take a wait and watch approach. If significant benefits appear, it claims it can easily change strategies. This way, it’ll be “avoiding any early missteps and taking full advantage of the inevitable technology learnings.” For now, the Bank is content with CBDC research on policy and technology and collaborating with external parties to explore tokenized financial assets and DLT.

Meanwhile there have been several recent publications around CBDCs , including a joint report from the BIS and seven major central banks, and others from the European Central Bank, Japan and Estonia.

 

来自: Ledger Insights