Iibhanki eziphambili zisoyika kakhulu kukusasazeka ngokukhawuleza kwe-crycuricy, elungele ukuqhuba imali yedijithali. Kwangelo xesha, akukho nto intloko yebhanki esembindini yokuqonda ngokupheleleyo, kutheni le nto ifune i-CBDC
Endaweni ye-CBDC, ufuna imali "yemali"
Uqoqosho, umphengululi wesikolo seCopenhagen weShishini, uLars Christensen uqinisekile ukuba ukuba kutheni ufuna imali yedijithali (i-CBDC), enyanisweni, eya kuthi ilingane nemali eqhelekileyo. Uxele le phepha lakhe kwi-Twitter, apho wachaza umbono wakhe ngokweenkcukacha.
Joyina itshaneli yethu ye-telegraph ukuze uqaphele izinto eziphambili ze-crypton.
NgokukaKristensen, iibhanki eziphambili zifuna ukudibana nemfuno yabathengi kwimali ye-elektroniki. Ngexesha lexesha lebhulukhwe, iintlawulo ze-elektroniki zikhule izihlandlo ezininzi, kodwa azizizo zonke iibhanki zakulungele ukuqhubela phambili inani lentengiselwano. I-Kristensen ikholelwa ukuba ukusombulula le ngxaki, i-Central Bank ye-Central Bank ye-Digital ayifuneki (i-CBDC). Iphakamisa ukusebenzisa imali yedijithali (imali ye-CBD).
Ingcali iphakamisa ukutshintshela kwinkqubo ye-elektroniki ephakathi kwabasebenzisi kunye neebhanki. Kule, wonke ummi, usomashishini okanye inkampani kufuneka ibhalise i-wallet yayo ye-elektroniki apho iingxowa-mali zeBhanki ziya kufunyanwa khona ngexesha lokudluliselwa kwemali. Kwangelo xesha, iibhanki akufuneki zihlawulise iKhomishini yenguqulelo okanye ifanele ibe yero. Abasebenzisi ngokwabo banokutshintshiselana ngemali ye-elektroniki kwezinye iimali okanye imali ezihlawulelwayo kwi-ATM.
UKristensen ukholelwa ukuba ukukhutshwa kwemali ye-elektroniki kufuneka kulawulwe, ukuze sikwazi ukuthatha inkqubo yokuvelisa i-cryctoes. Kodwa isixa sokuphuma siya kumiselwa kuphela yibhanki esembindini.
Indlela enjalo, ngokweengcali, iya kuvumela iibhanki ukuba iphucule umgaqo-nkqubo wemali wamazwe, kunye nokunciphisa ukunyuka kwamaxabiso ngokuphucula inani lemali.
Iibhanki ziya kufumana i-monopolly kwakhona
Imbali yemali yemali kunye nembali yaseGeorge Selgin iqinisekile ukuba ukusetyenziswa kwe-CBD Mecial Cash Playly kwintengiso, kunye nokuqaliswa kwee-lelets ze-elektroniki ziya kunceda amagosa ukuba alawule imali, ibhlokhi yomsebenzisi.
Okwangoku, iingcaphephelo okanye azikaze zize kwizimvo ezifanayo kwiakhawunti ye-CBDC. Nangona kunjalo, i-Central Bank isebenza ngenkuthalo kuphuhliso lwemali yedijithali, kwaye amanye amazwe sele evavanyelwe yi-CBDC.
Ke, eJapan, sele beqalile ukuvavanya imali yabo yedijithali. Amazwe amaninzi afana neTurkey, iJamani kunye nabanye baphuhlisa ngenkuthalo.
Inkokeli engenammiselo kule nkqubo i i china, esele igqibile ukuvavanywa kwe-gigital yuan. I-Russia isajongeka kwi-CBDC kwaye ayingxami ngokwazisa ngenkcubeko yedijithali.
Itshintsha njani uqoqosho lwaseRussia, ukuba i-CBDC yenziwa kwaye ikhutshwe kwimarike, ifundwe apha.
Iibhanki zeposi azisiqondi isizathu sokuba badinga i-CBDC - kwavela kuqala eBeincrypto.