找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

德意志银行:从长远来看,央行数字货币将取代现金

2020-11-13 16:18

德国最大的银行机构德意志银行相信,央行数字货币(CBDC)将在未来取代现金。

德意志银行的研究部门Deutsche Bank Research发布了一份有关经济评估和提议的新报告,以帮助受冠状病毒大流行冲击的全球经济。11月10日,这篇名为《我们必须如何重建》(What We Must Do to Rebuild)的研究报告发布了。

德意志银行在报告中指出,仍在持续的新冠肺炎大流行加速了“数字现金革命”。德意志银行表示,从长远来看,这场革命最终将使中国的数字人民币或瑞典的电子克朗这样的CBDC能够替代现金。德意志银行呼吁各国政府和私人公司开发信用卡的替代品,并指出:

“全球范围内的封锁和社会疏远措施只会让银行卡的使用率超过现金。为了应对这种局面,企业和政策制定者必须设计出信用卡的替代品,并取消中间人费用。就目前而言,必须优先考虑区域数字支付系统。从长远来看,央行数字货币将取代现金。”

在报告中,德意志银行研究部还警告政策制定者,如果不开发自己的数字货币项目,以应对其他国家在这个领域的积极进展,将存在风险。

德意志银行认为,落后于其他司法管辖区的国家可能会被迫采取先行者的政策:

“如果一些国家没有迎头赶上,他们可能会发现自己的公司被迫采用其他国家的数字货币和政策作为支付媒介。”

德意志银行呼吁欧洲开发一种数字货币解决方案,以增强欧元和现有的地缘政治局势。德意志银行研究部写道:“要做到这一点,我们必须有一个独立的欧洲支付解决方案”。

虽然德意志银行在推动全球数字货币发展的加速发展的,但许多国家并不急于发行CBDC。

2020年10月,美联储的Jerome Powell宣布,美国不担心其他国家在发行CBDC方面获得先发优势。这位美联储主席表示,在网络攻击和隐私等与CBDC相关的风险得到解决之前,美国政府不会就发行数字美元做出决定。

新西兰和俄罗斯的官员也表达了类似的立场,表示他们宁愿采取“观望”的态度。

 

Deutsche Bank, Germany's largest banking institution, believes central bank digital money (CBDC) will replace cash in the future.


Deutsche Bank Research, the Research arm of Deutsche Bank, has released a new report on economic assessments and proposals to help the global economy hit by the coronavirus pandemic. The report, "What We Must Do to Rebuild," was released on Nov. 10.


The ongoing COVID-19 pandemic has accelerated the "digital cash revolution", deutsche Bank said in its report. In the long run, says Deutsche Bank, the revolution will eventually allow China's digital renminbi or CBDCS such as Sweden's electronic krona to replace cash. Deutsche Bank called on governments and private companies to develop alternatives to credit CARDS, noting:


"Global blockades and social alienation will only lead to more bank CARDS than cash. To deal with this, companies and policymakers must devise alternatives to credit CARDS and eliminate middleman fees. For now, priority must be given to regional digital payment systems. In the long run, central bank digital money will replace cash."


In its report, Deutsche Bank research also warned policy makers of the risks of not developing their own digital currency project in response to positive developments in the field in other countries.


According to Deutsche Bank, countries that lag behind other jurisdictions may be forced to adopt the policies of the first mover:


"If some countries don't catch up, they may find their companies forced to adopt other countries' digital currencies and policies as payment media."


Deutsche Bank has called on Europe to develop a digital currency solution to strengthen the euro and the existing geopolitical situation. "To do this, we must have an independent European payment solution," deutsche Bank Research wrote.


While Deutsche Bank is driving the acceleration in global digital currency development, many countries are in no hurry to issue CBDCS.


In October 2020, Jerome Powell of the Federal Reserve announced that the United States was not concerned about other countries gaining a first-past-the-post advantage in issuing CBDCS. The Fed chairman said the US government would not make a decision on the issue of digital dollars until the risks associated with CBDC, such as cyber attacks and privacy, had been addressed.


New Zealand and Russian officials have taken similar positions, saying they prefer a "wait and see" approach.

 

来自: cointelegraph