政府正在考虑数字货币。是什么激发了兴趣?

孟加拉国银行于 2021 年 7 月重申了其对加密货币的立场,并要求所有相关方停止从事加密货币交易。在不到一年的时间里,政府正在改变立场。商业标准推测原因...

加密货币最近非常流行。无论我们是否使用它们,它们都已成为话题;不管我们是否理解。

虽然技术专家、爱好者(如埃隆马斯克)正在支持和推广加密货币的使用,但控制法定货币的传统当局(如中央银行)却持谨慎态度,他们正在敲响不祥的钟声。

在许多极端情况下,当局完全禁止使用加密货币。例如,在孟加拉国,使用比特币、以太坊、狗狗币等加密货币是不合法的。

Cryptos 与崇高的理想相关,例如它们是分散的和不可追踪的:它们被技术鉴赏家重视的关键原因。然而,由于这些确切的原因,政府和中央银行非常害怕它们。

然而,他们的恐惧是有道理的。事实上,中央银行可能会陷入生存危机。如果一个政府无法控制其资金,它肯定会开始失去对其主权的许多方面的控制。

孟加拉国考虑使用数字货币

孟加拉国中央银行孟加拉银行最近决定研究推出由区块链技术支持的“中央银行数字货币”(CBDC)的可行性。

因此,预计不久将进行可行性研究。

据媒体报道,财政部长 AHM Mustafa Kamal 于 6 月 9 日在议会的 2022-23 财政年度拟议预算中披露了这一想法。他这样做是为了强调与使用加密货币等虚拟货币相关的漏洞不断增加。

然而,他还指出,全球许多中央银行都在努力引入本国货币的电子版本作为加密货币的替代品(替代品、竞争对手或替代品),以简化虚拟交易并支持初创企业和电子商务企业。

他补充说,正在采取这些措施来促进创新和企业家精神。

财政部长强调了对虚拟货币日益增长的需求的重要性,他说:“由于本届政府采取了适时的措施,该国互联网和电子商务的覆盖面已大大增加。”

到目前为止,孟加拉国政府对比特币、以太坊等加密货币的使用采取了高度怀疑的态度。迄今为止,已有数人因参与涉及加密货币的非法活动而在不同场合被拘留。

例如,孟加拉国银行于 2021 年 7 月重申了其对加密货币的立场,并要求所有相关方停止参与其交易、业务和交易所,以防止潜在的财务和法律后果。

据称,1947 年《外汇管制法》不支持使用此类货币,以此类货币进行在线交易可能违反 2012 年《防止洗钱法》。

现在是深入研究这个问题的好时机。一连串的问题浮现在脑海中,但最基本的问题是:CBDC 与加密货币有何不同?为什么孟加拉国政府对推出自己的 CBDC 表现出兴趣?

专家们怎么看?

专家表达了不同的观点。孟加拉国软件和信息服务协会(Basis)前主席赛义德·阿尔马斯·卡比尔(Syed Almas Kabir)对 FM 关于引入央行自己的加密货币进行可行性研究的建议表示欢迎。

他补充说,“数字塔卡”肯定会使经济更具活力。它还将确保透明度,因为会有审计跟踪。由于它将基于区块链技术,因此也将确保安全性。

“在孟加拉国等大多数不允许加密货币交易的国家,中央银行担心失去控制权。但在数字时代,人们不能闭上眼睛和耳朵而不采用新技术,”Almas Kabir 补充说, “无论政府是否愿意,基于区块链的加密货币将变得越来越流行。

因此,我一直主张保持开放的心态,并一直敦促孟加拉银行着手研究此事。如果 BB 能够像中国最近所做的那样引入自己的加密货币,它就可以对其进行一些控制。”

He also opined that one important thing to remember is that Digital Taka needs to become convertible on the international market. Bangladesh Bank also needs to understand that Digital Taka would be traded internationally, and therefore, our age-old Foreign Exchange Regulation Act 1947 needs to be revised to accommodate partial free flow of ForEx.

On the flipside, former governor of Bangladesh Bank, Dr Salehuddin Ahmed sounded rather cautious and dubious of the prospect.

“Although many countries are experimenting with digital currencies, none of the major economic countries have brought them out officially. It is still to be seen how digital currencies would work.”

According to him, there are many pressing problems in Bangladesh banking sectors, and digital currency should not be an urgent priority now. Through credit cards, online and mobile banking, people are already transacting money digitally. He emphasised that that should be the priority.

“There are no immediate benefits of CBDCs. Moreover, these systems consume high resources, from electricity to storage facilities and the overall infrastructure.

Economically advanced countries can spare the expense but for BB, this might not be a good idea for the moment,” he added.

The global crypto trend

First, let’s get the concepts straight and then figure out the motivations behind the governments’ moves.

CBDCs and cryptocurrencies are both digital currencies. While a central bank backs and regulates and issues a CBDC, a crypto is run on distributed ledger-technology. What it does mean for crypto is that the system is decentralised, and there is no central command but multiple devices all around the globe that verify and check transactions.

Moreover, when crypto is mined, a CBDC is issued. And unlike crypto, CBDC is under control of the central bank just like fiat money.

Digital currencies have multiple uses, and the rationale for producing CBDCs varies. However, some of the most popular motives include reducing transaction costs and enhancing efficiency; generating programmable money and improving transparency in money transactions; and facilitating the smooth and simple movement of monetary and fiscal policies.

According to “CBDC Tracker” of the Atlantic Council, a US-based think tank, 105 nations are reviewing a CBDC of their own. Three countries – Jamaica, the Bahamas, and Nigeria – have debuted a CBDC with 39 countries in the advanced stages of rolling out (pilot, development and research).

As of May 2020, only 35 nations were considering a CBDC. And only two years later, the number of countries accessing a digital currency has risen to 105 in May this year. 16 members of the G20 countries have a CBDC in development or pilot stage, including South Korea, Japan, India and Russia.

The European Central Bank has made it clear that it intends to work toward introducing a digital version of the Euro by the middle of this decade, although the United States and the United Kingdom seem a little behind on their CBDC development.

Of the G7 economies, the US and UK are the farthest behind on CBDC development. The European Central Bank has signalled it will aim to deliver a digital euro by the middle of the decade.

In February this year, our neighbouring country India – with whom we make many initial comparisons – made public its plans to launch its central bank-issued digital currency. The digital rupee (name of the digital currency) is expected to be initiated during the next financial year.

Pakistan and even Nepal and Bhutan have already expressed interest, along with India. So, Bangladesh seems a little late.

在几年的时间里,各国政府逐渐更加认真地看待自己的数字货币。中央银行之间存在明显的仓促。对 CBDC 日益增长的兴趣在一定程度上是对加密货币迅速​​普及的回应,加密货币不受货币政策的约束,并且各国明确希望对其进行某种控制。

与此同时,孟加拉银行当然不希望被排除在外或落后,就像世界各地的中央银行正在加倍努力,因为他们当然不想失去对货币的控制。

所以,如果你问是什么促使了这个决定,答案是孟加拉国政府正在追随全球趋势。

Source: https://www.tbsnews.net/features/panorama/government-mulls-over-digital-currency-what-spurred-interest-441382

Like this post? Please share to your friends:
Crypto Truth