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德国财政部:国家数字货币存在“尚未充分了解的”风险

德国联邦财政部认为,央行发行数字货币(后文简称CBDC)的想法风险太大。

财政部在回应绿党议员Gerhard Schick 7月4日在商业报纸Handelsblatt的询问时,表达了自己的立场。 Handelsblatt援引财政部的话说:

到目前为止,还没有足够令人信服的理由,让政府向德国和欧元区的广大民众发行数字货币。

德国财政部认为,中央银行发行数字货币的潜在好处(包括快速银行转账)也可以通过其他方式实现,并称CBDC包含“一些尚未被充分了解的风险”。

财政部指出,如果发行加密货币,中央银行也将在金融体系中获得更强势的地位,这可能会危及其独立性。

根据Handelsblatt的说法,财政部还担心,发生危机时,由于交易成本较低,CBDC破产速度可能更快,影响规模可能更大。此外,官员认为,数字货币将使打击洗钱和恐怖主义融资变得更加困难。

在全球范围内,各国政府对国家发行数字货币持有不同的看法。5月,英格兰银行在一份工作文件中得出结论,引入CBDC不会对私人借贷产生负面影响,也不会对整体经济提供流动性。同月,挪威中央银行Norges Bank甚至推荐将CBDC作为现金的补充工具。

The German Federal Ministry of Finance considers the concept of a central bank-issued digital currency (CBDC) to be too risky to implement, Cointelegraph auf Deutsch reported July 5.

The finance ministry expressed its position in response to an inquiry by Green Party MP Gerhard Schick published business newspaper Handelsblatt Wednesday, July 4.

"So far there are no convincing reasons for issuing digital central bank money for a wide range of users in Germany and the Eurozone," Handelsblatt quoted the Ministry as saying.

The potential benefits of a central bank-issued digital currency –– including high-speed bank transfers –– could also be realized in other ways, the Ministry argues, saying that a CBDC contains "a number of risks that are not well understood."

The Ministry wrote that a central bank would also obtain a stronger position in the financial system if it were to issue a cryptocurrency, which could jeopardize its independence. According to the Handelsblatt, the Finance Ministry also feared that in a crisis, bankruptcy with digital central bank money could happen faster and on a larger scale due to lower transaction costs. The officials also argued a digital currency would make it more difficult to combat money laundering and terrorist financing.

Globally, governments have expressed varied sentiments towards state-issued digital currency.  In May, the Bank of England concluded in a working paper that the introduction of a CBDC would not have a negative impact on private lending or on providing liquidity to the economy as a whole. The same month, the Norwegian central bank, Norges Bank, went so far as to recommend the idea of a CBDC as a supplement to cash in a study.


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