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黎巴嫩计划在2021年推出中央银行数字货币

2020-11-12 12:41

 

据国家通讯社报道,银行行长Riad Salameh昨天表示,银行将在2021年发行一种中央银行数字货币(CBDC)。


Salameh相信CBDC可能会鼓励100亿美元的储存在家庭的现金被转换成CBDC。


今年3月,希腊拖欠了12亿美元的主权债务,一些储户对银行体系失去了信心。今年8月,国际货币基金组织概述了解决黎巴嫩金融危机的四点计划。


根据lirarate.com的数据,虽然政府的官方汇率是1美元兑换1507黎巴嫩里拉,但黑市汇率已经从1月份的2000黎巴嫩里拉涨到了今天的7400黎巴嫩里拉。


近年来,中国央行一直向商业银行提供非常高的存款利率,这意味着央行遭受损失,而储户可能获得较高的利率。


此外,今年央行的信誉受到了一些损害。据称,为了弥补政府贷款的损失,政府的资产负债表上出现了一些“非常规”资产。路透社和英国《金融时报》7月份报道称,安永和德勤符合2018年审计报告的要求。超过60亿美元的资产被打上了问号。据路透社报道,“黎巴嫩央行将预期的铸币税利润记录为一项资产”。


央行通过印钞赚取铸币税利润。在这种情况下,央行似乎已经将未来利润作为一项资产,这与会计惯例相反。


将此与公司如何计算利润进行比较。假设有一家公司提供咨询服务,今年花费了100个小时,但还没有计费。它可以将未计费收入作为利润和资产,因为工作已经完成。但这不能算下一年的时间,因为明年的时间还没有赚到。


中央银行还创建了自己的财务报告框架,而不是采用国际财务报告准则(IFRS)。


对央行缺乏透明度的担忧,并非CBDC发行的理想起点。

 

Banque du Liban Governor, Riad Salameh, said yesterday that the bank would issue a central bank digital currency (CBDC) in 2021, according to the national news agency.

Salameh believes that a CBDC might encourage $10 billion of cash stored in homes to be converted to CBDC. 

In March, the country defaulted on $1.2 billion of sovereign debt, and some depositors have lost faith in the banking system. The IMF outlined a four-point plan to address Lebanon’s financial crisis in August.

While the official government exchange rate is 1,507 Lebanese Lira to the dollar, the black market rate has gone from 2,000 Lira in January to 7,400 today, according to lirarate.com.

In recent years the central bank has been offering very high rates to commercial banks for deposits, which has meant losses to the central bank and depositors could earn high rates.

Additionally, this year the central bank has suffered some damage to its credibility. Allegedly to cover losses on loans to the government, some ‘unorthodox’ assets were on its balance sheet. Reuters and the Financial Times reported in July that EY and Deloitte qualified the 2018 audit reports. A question mark was raised over an asset of more than $6 billion. According to Reuters, “Lebanon’s central bank was recording expected seigniorage profits as an asset”.

Central banks earn seigniorage profits for printing money. In this case, it seems the central bank has accounted for future profits as an asset, contrary to accounting conventions. 

Compare this to how a company might account for profits. Say a company provided consulting and had spent 100 hours this year, which it had not yet billed. It can account for unbilled revenue as both a profit and an asset because the work has been done. But it cannot account for next year’s time, because that has not yet been earned.

The central bank also created its own financial reporting framework instead of adopting International Financial Reporting Standards (IFRS).

Concerns over a lack of central bank transparency are not the ideal starting point for a CBDC issuance.

 

来自: Ledger Insights