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数字英镑预计2018年正式面世

全新的互联网金融模式国际资讯

数字英镑预计2018年正式面世

近日,英格兰银行宣布正在就加密货币发行进行可行性研究,结果将于1年内公布,而这也将为英国数字英镑的发行奠定基础。

加密货币允许各方在去中介的环境之下直接进行交易,验证、记录、清算都可以在几分钟内通过共享账簿直接完成。由于无需中介(既传统零售银行),持有央行发行加密货币的消费者可以选择在任何一家银行开设账户,其中也包括央行。而英国本次预计发行的数字英镑也是如此。数字银行价值将直接与英镑挂钩,而这种央行直接存款机制也能帮助英国央行吸引大量存款,为其后续资产投资奠定良好资金基础。

早在2015年,英格兰银行首席经济学家Andy Haldane就提议废除纸质现钞,引入一种全国通用的书计划货币,提高中央银行能动性,削减利率,促进英国经济发展。

而去年,英格兰银行也曾推出过一款(理论上)的数字货币RSCoin,不过这款货币只能在央行之间通过中央化系统进行使用。

英格兰银行行长Mark Carney认为,中央银行参与数字货币发行直观重要,否则整个金融稳定性都要面临巨大风险。

The Bank of England could approve its own Bitcoin-style currency within a year.

A research unit set up by the bank to investigate the possibility of issuing a crypto-currency could report back within the next 12 months, paving the way for the system to be introduced.

The new currency would be linked to the value of sterling and could allow people to keep their money with the central bank itself, cutting out the need for a retail bank.

Such a move would be a revolutionary shake-up for high street banking, The Telegraph reported.

The Bank of England announced last year that it had produced a theoretical currency called RSCoin which could be used by central banks.

In December, bank governor Mark Carney told politicians that using blockchain technology which underpins crypto-currencies could improve the way banks carry out transactions.

But he warned there could be financial stability risks if such an approach were rolled out across the whole economy.

Central banks already use electronic money but this is exchanged in a centralised fashion, across accounts at the central bank.

Cryptocurrencies allow parties to transact payments directly without a central intermediary, by means of technology that uses a shared ledger that verifies, records and settles transactions in a matter of minutes.

With no need for a central intermediary to facilitate and track transactions, consumers holding central bank-issued cryptocurrency could open accounts at any bank, including the central bank.

'You (could) create a situation where you can have an instantaneous (bank) run.

'So as soon as there were any concern, people can switch in their account at the Bank of England,' Carney said.

That could also cause the BoE to accumulate huge volumes of deposits that it would need to invest into different assets.

'There are many talents of the Bank of England, but I think credit allocation across the entire economy would not be a good idea,' he said.

'So there are some fundamental problems if you push the retail design all the way down, unless you restrict the amount that people have.'

In September, the Bank for International Settlements said it was too soon to determine whether central banks should issue their own cryptocurrencies.

It concluded that the peer-to-peer nature of the technology meant that a cryptocurrency for consumers could enable the anonymity that cash currently provides. But if that were not considered important, it said, it was unclear what further benefits it could provide.

BoE chief economist Andy Haldane in 2015 floated the idea of abolishing physical cash and introducing a state-run digital currency as a way to give more muscle to central banks that cut interest rates below zero to boost their economies.


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