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泰国探索银行间数字货币结算

上周,泰国央行行长在新加坡召开的野村证券投资论坛上发表演讲,解释了亚洲区块链技术的不断普及以及泰国区块链社区倡议(TBCI)将如何将数字货币作为银行间交易的清算结算方式。

泰国中央银行行长Veerathai Santiprahbhob表示:

“泰国正在过渡到数字支付系统和金融技术的新时代,泰国中央银行将全力致力于区块链技术的培育。”

TBCI由7个行业领先的企业和14个泰国银行组成,并已开始在区块链上试行'担保书'银行合同,以及未来计划将这些服务扩展到包括供应链融资和无脚本债券的发行。

“Inthanon”项目是迈向泰国数字资产基础设施发展的下一个重要的一步,该项基础设施主要关注如何提高泰国银行业的互操作性。该项目将使用“全盘中央银行数字货币”(CBDCs)作为精简同业交易的手段进行试验。旨在大幅降低中介成本和交易时间。

泰国央行行长Veerathai Santiprahbhob表示:

“像其他中央银行一样,我们的目标不是立即将CBDC投入使用,而是开发其后台运营的潜力和作用。这样的付出应该为更快\更节约成本的交易和验证过程铺平道路,因为与现有系统相比,更加简洁的中介流程是被需要的。”

然而,正如国际清算银行(BIS)在今年早些时候的一份报告中指出的,中央银行数字货币(CBDC)在一些方面也存在着高风险,“CBDC的广泛用途可能会导致商业银行存款资金更加不稳定。即使主要是为了支付目的而设计的,在特殊压力时期,向中央银行的抗议可能会快速而大规模地发生,这也挑战了商业银行和中央银行管理这种情况的能力。”

尽管如此,Inthanon项目展示了泰国坚定认同区块链技术的价值及其在众多经济领域的实用性。泰国商业银行最近成功实行了基于区块链技术向新加坡的汇款,这也指出了区块链在泰国越来越强的活力,成为这一技术领域的先锋国家。

During a keynote speech delivered to the Nomura Investment Forum in Singapore this week, the Central Bank chief addressed the growing adoption of blockchain technology across Asia and how the Thailand Blockchain Community Initiative (TBCI) will be looking into digital currencies as a means of transacting interbank settlements.

“Thailand is transitioning to a new era of digital payment system and financial technology in which the Bank of Thailand is fully committed to foster”

The TBCI is comprised of 7 industry leading businesses and over 14 Thai banks, and has already begun piloting ‘letters of guarantee’ banking contracts on the blockchain, along with future plans to extend these services to include supply chain finance and scriptless bond issuance.

Project ‘Inthanon’ is the next big step towards developing Thailand’s digital asset infrastructure, which is primarily concerned with improving Thai banking interoperability. The project will conduct trials using ‘wholesale central bank digital currency’ (CBDCs) as a means of streamlining interbank transactions, which aim to greatly lower intermediary costs and transaction times.

“Like other central banks, our goal is not to immediately bring CBDC into use, but rather to explore its potential and implications for back office operations. These efforts should pave way for faster and cheaper transaction and validation due to less intermediation process needed compared to the current systems.”

CBDCs do however, also carry high risks, as the Bank of International Settlements (BIS) remarked in a report earlier this year, “a general purpose CBDC could give rise to higher instability of commercial bank deposit funding. Even if designed primarily with payment purposes in mind, in periods of stress a flight towards the central bank may occur on a fast and large scale, challenging commercial banks and the central bank to manage such situations”

Nevertheless, project Inthanon showcases Thailand’s firm belief in the value of blockchain technology and its utility across numerous economic areas. Having recently successfully piloted a blockchain-powered remittance to Singapore, Thai banks are showing increased vigor to become a pioneering nation in this technological space.

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