I-US Federal Reserve Uluhlu lweePros and Cons of CBDC

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I-US Federal Reserve kutshanje ikhuphe iphepha lengxoxo malunga neenzuzo kunye nokungalunganga kokuqalisa i-US central bank-issued digital currency (CBDC). Iingxelo zibonisa ukuba eli lixesha lokuqala i-US Fed ibonisana noluntu ngokubanzi malunga nokuba idoli yedijithali inokuzuza inkqubo yezemali okanye cha.

Ngelixa amazwe amaninzi ezama ukukhupha i-CBDC, kunye neekhilomitha zase-China ngaphambi komdlalo, i-US ibonakala ngathi ayingxamanga ukuba iqalise eyabo. Ngaphezu konyaka ophelileyo, usihlalo weFed uJerome Powell wathi i-US iya kuqala "ngokucokisekileyo nangokucokisekileyo" Gcoba ngesihloko phambi kokuthatha nawaphi na amanyathelo.

I-US Federal Reserve ityhila iziCwangciso zokuthethathethana noluntu kwi-CBDC

Kwingxelo echaza oko i-Fed icinga ukuba yeyona nto ibalulekileyo kunye nokungalunganga kwe-CBDC, uSihlalo weFed uPowell wathi:

"Sijonge phambili ekusebenzisaneni noluntu, abameli abanyuliweyo, kunye noluhlu olubanzi lwabachaphazelekayo njengoko sivavanya izinto ezilungileyo kunye nezingalunganga zemali yedijithali yebhanki e-United States."

Ibhanki ephakathi yaqaphela ukuba abasebenzisi bokugqibela kunye namashishini baye bagcina kwaye badlulisa imali kwiifom zedijithali, kuquka ii-akhawunti zebhanki okanye ukuthengiselana kwe-intanethi. Oko kwathiwa, idola yedijithali enokubakho inokugcina umkhwa kwaye igcine i "indlela ekhuselekileyo, yedijithali yokuhlawula amakhaya kunye namashishini." Okubaluleke ngakumbi, ukuthengiselana kwe-CBDC kunokukhuthaza amathuba angcono okuhlalisa imida phakathi kwezizwe.

Nangona kunjalo, abaninzi baye baxoxa ukuba idola yedijithali inokuphazamisa ubumfihlo babantu njengoko urhulumente uya kulawula isixhobo sezemali. Kwakhona, abanye baye baphikisa ukuba i-CBDCs ayinakuba neenzuzo ezicetywayo abaninzi bakholelwa ukuba baya kuba nazo kwi-American financial scape kwaye isisombululo sentlawulo siya kuhlala singachaphazeleki.

Ngo-2021, uJerome Powell waqinisekisa ukuba izibonelelo ze-CBDC zinokuthatha indawo ye-cryptocurrencies, kuquka i-stablecoins. Nangona kunjalo, umgcini-bhanki ophakathi wenza i-U-turn kule nkcazo kwaye waphawula ukuba i-CBDCs kunye ne-stablecoins ingaba khona kunye.