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互联网经济国际资讯监管与政策

瑞典央行出台新规 延缓无现金经济进程

当其他中央银行正在用数字货币来代替现金时,瑞典央行却反其道而行,希望保留该国公民使用现金的合法权益。

尽管瑞典一直引领着全球社会无现金化的潮流,但瑞典央行却在此刻叫停了反对在国内使用纸钞和硬币的规定。

在一份提交该国财政部的关于账户基础功能的咨询文件中,瑞典中央银行呼吁保留现金支付这一付款账的户基础特色。

中央银行主管Stefan Ingves签署了这份文件,并声明银行减少现金服务的速度太快了,导致了整个社会而不是少数特殊领域的现金服务短缺。

而且如果各大银行继续保持废除现金服务的速率,这一差距会进一步拉大。央行在瑞典议会上呼吁要给银行设定一个明确的义务,让其提供基础支付功能来满足消费者需要。

在这个银行卡使用高度普及的国度,目前流通中的瑞典卡朗现金只有不到800亿(近80亿欧元)。而在6年前,这个数字还有1060亿。

ATMIA首席执行官Mike Lee说:“无论从常识角度,还是从瑞典消费经济的未来平衡来看,这项决议都是一个胜利。我很高兴瑞典央行看清了媒体反对现金宣传的真相。毕竟无论是现金还是数字货币,每一个公民都有权利自由选择自己喜欢的支付方式。”

While other central banks ruminate on ways to replace cash with digital currencies, Sweden's Riksbank is kicking against the grain with calls for access to cash to be a legal right.

Often lauded as a country well on its way to becoming a cashless society, the Riksbank has taken a stand against moves to eliminate access to notes and coins in the country.

In a statement submitted to the Ministry of Finance's consultation on access to accounts with basic functions, the Riksbank called for a legal requirement to be introduced which would place a duty on banks to provide cash service as a basic feature of payment accounts.

Signed by Stefan Ingves, the Riksbank Governor, the letter states that the banks have reduced their cash handling services too fast, resulting in a lack of cash services in less populated areas in particular, but for the public in general.

The Riksbank says there are also clear signs that the supply of services is not meeting the demand and that this gap will increase if banks are allowed to continue setting the pace of the abolition of cash services. It calls on the Swedish parliament to introduce a clear obligation for banks to provide basic payment functions that meet customers' needs.

In a country where bank cards are routinely used for even the smallest purchases, there are less than 80 billion Swedish crowns in circulation (about EUR8 billion), a sharp decline from just six years ago, when the total in circulation was SEK106 billion.

Mike Lee, CEO of the ATMIA, says: "This is a victory for common sense and for the future balance of the Swedish consumer economy and I'd like to congratulate the Swedish Riksbank for seeing through the mirage of anti-cash propaganda in the media to reveal the basic economic right of free citizens to choose their own payment methods at all times, whether cash or digital."


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