找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

印度央行可能在2021年12月开始CBDC试验

2021-8-30 12:21

 

今天,印度储备银行行长Shaktikanta Das在接受CNBC采访时谈到了央行数字货币(CBDC)的计划,称可能会在今年年底前对数字卢比进行试验。


然而,欧洲央行急于谨慎行事,以确保数字货币不可能被复制,并对货币政策和银行系统的影响保持谨慎。


但似乎仍有许多典型的CBDC决定需要做出,其中一些需要进行试验。这包括央行是应该直接发行数字货币,还是通过商业银行发行。


它还没有决定是否从批发(仅限银行)数字货币开始,向主流零售CBDC发展。或者是否应该从本地化区域的零售CBDC开始,而不是从批发CBDC开始。


央行还需要选择是使用区块链或分布式账本技术(DLT)还是使用集中式系统。


副省长桑卡尔(T Rabi Sankar)最近也谈到了这个话题。他概述了发行CBDC的一些关键动机,包括中国仍有很大比例的现金使用,管理成本很高。尽管印度拥有先进的支付系统。然而,如果市民被现金的匿名性所吸引,CBDC可能难以获得关注。


另一个动机是对稳定币和加密货币的担忧。大多数稳定币以美元计价,印度央行热衷于保持“公众对卢比的偏好”。关于加密货币的话题,央行行长今天表示,它已经向政府传达了对金融稳定的担忧。他说:“政府将在这方面采取必要的政策决定。


在本月的其他CBDC新闻中,牙买加为试点生产了第一批CBDC。两位美国联邦储备委员会(Federal Reserve,简称:美联储)理事谈到了数字美元,其中一位表示支持这一概念,另一位则质疑其必要性。加纳银行选择了德国央行服务提供商G+D作为其CBDC试点,这是第二家这样做的央行。另一个是泰国。

 

Today the Governor of the Reserve Bank of India, Shaktikanta Das, spoke to CNBC about its plans for a central bank digital currency (CBDC), saying it may be ready for digital rupee trials by the end of the year.

However, the bank is keen to tread cautiously to ensure it’s not possible to clone the digital currency and be careful about the impact on monetary policy and the banking system.

But it seems that many typical CBDC decisions still have to be made, and some of them are needed for trials. That includes whether the central bank should issue the digital currency directly or do so via commercial banks.

It hasn’t yet decided whether to start with a wholesale (bank-only) digital currency and progress to a mainstream retail CBDC. Or if it should instead begin with a retail CBDC in a localized area simultaneous to a wholesale CBDC.

The central bank also has yet to choose whether or not to use blockchain or distributed ledger technology (DLT) or use a centralized system.

Deputy Governor T Rabi Sankar also spoke on the topic recently. He outlined some of the key motivations for issuing a CBDC, including that there is still a very high proportion of cash used in the country that is expensive to administer. That’s despite India having advanced payment systems. However, if citizens are attracted to the anonymity of cash, a CBDC might struggle to gain traction.

Another motivator is concern about stablecoins and cryptocurrencies. Most stablecoins are denominated in U.S. dollars and the central bank is keen to retain a “public preference for the rupee”. On the topic of cryptocurrencies, the central bank Governor today said that it had communicated its concerns to the government about financial stability. “So the government will take the necessary policy decisions in that regard,” said Governor Das.

In other CBDC news this month, Jamaica minted its first batch of CBDC for a pilot. Two U.S. Federal Reserve Governors spoke about a digital dollar, with one supporting the concept and the other questioning the need. And the Bank of Ghana chose German central bank service provider G+D for its CBDC pilot, the second central bank to do so. The other was Thailand.

 

来自: Ledger Insights