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爱尔兰央行行长表示,数字欧元只是“何时”而不是“是否”的问题

2021-8-2 17:15

在昨天发表的一篇博客中,爱尔兰央行行长加布里埃尔·马克鲁夫(Gabriel Makhlouf)分享了他对数字欧元承诺的看法,称欧洲央行推出央行数字货币(CBDC)是不可避免的。欧洲尚未就数字欧元做出正式决定。只有一个为期两年的研究项目获得批准。


“在我看来,这不是‘如果’的问题,而是‘如何和何时’的问题。需要明确的是,现金不会消失;数字欧元将成为它的补充。”


为了提供CBDC概念的背景,管理者概述了其他类型的数字货币。在写关于“加密货币”的文章时,马克鲁夫相当悲观,他认为这个词是一个“无益且误导性的描述词”,因为“货币”这个词鼓励人们将其与实际货币进行比较,但事实并非如此。


他指出,他们的匿名性是主要缺点,因为匿名性允许洗钱和犯罪活动,能源消耗也是主要缺点。他写道:“就目前的情况来看,加密货币的负面影响远远大于任何好处。”


另一方面,稳定币从支付的角度来看是有用的,也可以作为交换媒介,因为它们由传统货币以固定的汇率支持。


据总督称,欧元区的金融格局正在发生变化,货币需要继续作为一种公共产品,同时也要应对现金使用量的减少和数字化的增加。


马克鲁夫写道:“数字欧元的引入将标志着欧元区金融架构的根本转变。”


与此同时,关于CBDC在欧洲有很多讨论。本周,英国财政大臣里什·苏纳克(Rishi Sunak)在领英(Linkedin)的一篇帖子中证实,一种潜在的CBDC“英国币”将与现金并存。爱沙尼亚中央银行Eesti Pank也公布了一项关于数字欧元技术可能性的研究项目的结果。

In a blog posted yesterday, the Central Bank of Ireland’s Governor Gabriel Makhlouf shared his thoughts on the promise of a digital euro, stating that the European Central Bank’s rollout of a central bank digital currency (CBDC) is inevitable. Europe has not yet made an official decision on a digital euro. Only a two-year research project has been approved.

“In my view, it’s not a question of ‘if’ but rather ‘how and when’. To be clear, cash won’t disappear; a digital euro will complement it,” he wrote.

To give context to the concept of a CBDC, the governor outlined other types of digital currencies. Writing about “cryptocurrencies,” Makhlouf was rather pessimistic, viewing the term as an “unhelpful and misleading descriptor” because the word “currency” encourages a comparison to actual money, when this is not the case.

He cited their anonymity, which allows for money laundering and criminal activity, and energy consumption as key drawbacks. “As things stand today, the negatives surrounding crypto far outweigh any benefits,” he wrote.

Stablecoins, on the other hand, could be useful from a payments perspective and could act as a medium of exchange because they are backed at a fixed rate by conventional currencies.

According to the Governor, the financial landscape for the euro area is changing and money needs to continue to be a public good whilst also being responsive to a decrease in cash usage and increased digitalization.

“The introduction of a digital euro would represent a fundamental shift in the financial architecture of the euro area,” wrote Makhlouf.

Meanwhile, there’s been much discussion across Europe regarding a CBDC. This week, UK Chancellor Rishi Sunak confirmed in a Linkedin post that a potential CBDC “Britcoin” would coexist alongside cash. Estonia’s central bank Eesti Pank has also published the results of a research project into the technical possibilities for a digital euro.


来自: Ledger Insights