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瑞士央行董事:中央银行发行加密货币兴趣减弱

全新的互联网金融模式国际资讯

瑞士央行董事:中央银行发行加密货币兴趣减弱

在近日于瑞士加密小镇楚格举办的会议上,瑞士央行董事会成员Thomas Moser表示,出于金融稳定的考虑,目前各大央行在发行数字方面的兴趣正在减退。

Moser指出:

虽然这个新技术让每个人都感到兴奋,但是它要让位于政策。现在的情况是:每个政府都在监督,有一部分已开始试验发行数字货币,但我认为政府部门都在等待其他国家首先去做,然后再确保自己也可以做。

此外,Moser还认为,数字货币背后的区块链技术仍然“过于原始”,所以瑞士无法发行“数字货币法郎”。

尽管Moser提到央行现在对CBDC持“怀疑态度”,但他还是指出,国家发行数字货币“会有很大的影响”。

把所有钱、所有存款都以银行票据的形式储存的传统方式有些麻烦,但是[若国家发行数字货币]你只需要把钱转到央行或者在央行开一个账户,就足以轻松方便地解决所有问题。不过,数字货币价格非常不稳定——在价格上涨时,大家都把钱存在银行赚钱,在价格下跌时,大家会把钱存储在自己的设备内。我们需要考虑如何处理这样的问题。

Moser表示,央行发行数字货币会直接与银行竞争,这意味着发行数字货币前必须经过非常审慎地考虑。Moser又补充说,瑞士中央银行官方“对加密货币基本上表示中立态度”:

我们并不担心(加密货币的威胁),也不介意它的存在。

在6月初举行的全球金融科技大会Money20 / 20的会议上,Moser也强调了这一点,他说:“只要中央银行自身‘打铁硬’,就不会消失。”

瑞士一直是公认的加密货币友好型国家,部分是由于宽松的首次币发行(ICO)规定和税收政策,特别是在加密小镇Zug的“加密谷”。本周,瑞士七席联邦委员会成员之一的 Schneider-Ammann表示他相信有朝一日区块链“会渗透整个经济”。

Thomas Moser, a board director at the Swiss National Bank (SNB), believes that central banks’ interest in developing central bank-issued digital currencies (CBDCs) has now waned, Business Insider reports today, June 23.

Moser told Business Insider at this week’s Zug Crypto Valley Conference that although there was initial interest among central banks in issuing CBDC or a national cryptocurrency, “enthusiasm has slowed again because of the implications it would have for financial stability:”

"The whole technical issue, which excited everyone, really takes second place to this conceptual policy issue. The mood now is: everyone is monitoring it, some are experimenting with it, heavily, but I think everyone is waiting for someone else to do it first so we can."

Yesterday at the conference, Moser had noted that the technology behind digital currencies, blockchain, was still “too primitive” for Switzerland to issue an “e-franc.”

Even though Moser mentioned that central banks were now “skeptical” of CBDCs, he did note that the “implications are quite big” to have a digital version of a country’s currency.

"It's kind of cumbersome to have all your money, all your savings in bank notes. It's much easier if you can just switch it or have an account with the Swiss national bank. Then it becomes very volatile — in good times everyone has their money with the banks to earn interest, in the bad times, everyone has it on their devices. There are the things we need to think about how we would handle.

According to Moser, CBDCs would compete directly with banks, meaning that any issuance would have to be carefully thought through. Moser then added that the Swiss National Bank is officially “basically neutral towards cryptocurrencies:”

"We are not worried, we don't mind."

At the Money20/20 conference at the beginning of June, Moser had also underlined this point, stating that “as long as central banks do a good job, there is no real need for central banks to disappear.”

Switzerland has developed a reputation as a crypto-friendly country, in part due to their lenient Initial Coin Offering (ICO) regulations and tax-leniency, particularly in the Zug “Crypto Valley.” Earlier this week, one of the members of the Swiss collective head of state also spoke favorably about blockchain, noting his belief that it would someday “penetrate our entire economy.”


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