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摩洛哥央行证实将探索数字货币

2021-2-27 10:48

 

上周末,一家摩洛哥报纸报道称,央行正在探索央行数字货币(CBDC)。


摩洛哥央行Al-Maghrib银行(BAM)向Ledger Insights证实,它成立了一个委员会来探讨这一问题。然而,它目前还处于早期阶段。


该行指出,它参与了国际清算银行(BIS)进行的CBDC研究。国际清算银行的研究发现,60%的银行不太可能在未来六年内发行CBDC,但86%的银行正在从事某种活动。


BAM的委员会将“识别和分析CBDC对国民经济的贡献、好处以及风险。此外,本委员会将彻底审查CBDC对货币政策、银行中介结构、金融稳定和法律框架的所有影响。”


该委员会将根据加密资产在国内和国际上的使用情况,就有关加密资产的“措施”与国内其他部门进行协调。


BAM不打算在短期内发行数字迪拉姆。“在当前背景下,考虑到银行进行各种改革Al-Maghribfor电子支付手段的推广和减少的现金和福利只能在中期评估,这将是过早考虑数字货币的发行短期内。”


在BAM确认这一消息之前,我们曾犹豫是否要写这条新闻,因为我们之前在突尼斯发表过一篇不准确的文章。去年,俄罗斯通讯社塔斯社(TASS)称,俄罗斯创立的Universa公司在突尼斯的一场活动中进行了官方但具有象征意义的CBDC测试。虽然进行了测试,央行也在场,但结果是非官方的,在公布时我们还没有收到央行的回应。突尼斯的CBDC工作也处于早期阶段。


与此同时,在巴哈马群岛,沙币已经开始流通,中国也将对20万人进行第七次大规模数字货币试验。中国央行还参与了一个涉及香港、泰国和阿联酋的多币种跨境CBDC项目。

 

Over the weekend, a Moroccan newspaper reported that the central bank is exploring central bank digital currencies (CBDC).

Bank Al-Maghrib (BAM), Morocco’s central bank, confirmed to Ledger Insights that it set up a Committee to explore the topic. However, it’s currently at an early stage. 

The Bank pointed to CBDC research conducted by the Bank for International Settlements (BIS) in which it participated. BIS research found that 60% of banks are unlikely to issue a CBDC within the next six years, but 86% of banks are engaging in some sort of activity.

BAM’s committee will, “identify and analyze the contributions, the benefits as well as the risks of a CBDC for the national economy. In addition, this committee will thoroughly review all consequences of a CBDC on monetary policy, the structure of banking intermediation, financial stability and legal framework.”

The committee will coordinate with other authorities within the country about ‘measures to be taken’ with respect to crypto-assets, based on their usage both nationally and internationally. 

BAM is not planning to issue a digital dirham any time soon. “In the current context, and taking into account the various reforms undertaken by Bank Al-Maghribfor the promotion of electronic means of payment and the reduction of cash and whose benefits can only be assessed in the medium term, it would be premature to consider the issuance of a digital currency in the short term.”

We were hesitant to write about this news before BAM confirmed it because of a previous inaccurate article we published re Tunisia. Last year Russian news agency TASS stated that Russian-founded firm Universa conducted an official but symbolic CBDC test at a Tunisian event. While the test happened and the central bank was present, it turned out to be unofficial and we had not received a response from the central bank at publication time. Tunisia’s CBDC work is also at an early stage.

Meanwhile, in the Bahamas, the Sand dollar is already in circulation, and China is about to run its seventh mass digital currency trial with 200,000 people. China’s central bank is also participating in a multi-currency cross border CBDC project that involves Hong Kong, Thailand and the UAE.

 

来自: Ledger Insights