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央行数字货币是大势所趋?美联储称不考虑发行‘FedCoin’
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Topic: 央行数字货币是大势所趋?美联储称不考虑发行‘FedCoin’ (Read 171 times)
10000usdperbtc
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央行数字货币是大势所趋?美联储称不考虑发行‘FedCoin’
April 21, 2017, 10:18:44 AM
#1
用区块链发行数字法币已经不是什么新概念了——事实上,包括英国和中国在内的很多国家的金融管理机构都开始考虑其可行性。
至于如何将这一概念用在美国市场,美联储波士顿分部的财政和金融服务高级副总裁吉姆•库尼亚(Jim Cunha)认为,这项技术在银行业有更好的发展机会。
我不会说央行(数字)货币是容易实现的目标。
Cunha在Business of Blockchain大会中说道。这场会议由《MIT科技评论》杂志和MIT媒体实验室主办。
Cunha继续说道,虽然区块链技术能够提高效率,但仍有大量的技术和法律问题需要率先解决,“结尾”问题就是其中之一,他认为这是金融服务行业的“圣杯”。
Cunha告诉与会者:
电子转账是不能撤销的。美联储永远不可能撤回交易。银行就指望这一点了。这也是你在进行房屋抵押时,你的律师必须先等到银行回复说汇款已经到账。因为当他们签署契约时要证明房子是属于你的。
他用The DAO硬分叉的例子说明了区块链去中心化的决定很可能给银行带来不少问题。
试想一下,如果所有银行聚集在一起,然后说如果超过51%的人决定撤销一次汇款,那就撤销,这样会造成什么样的后果?
这位美联储官员还提到了另一些问题,包括区块链对货币信任和风险模式的影响。由于分布式账本通常会去除中间人,银行就必须采用一种完全不同的法律架构。
他说:
这是一项大工程,而且十分复杂。
找出问题
目前区块链炒作问题比较严重,Cunha说,区块链研究不只是寻找解决方案。首先,你必须退一步,找出问题的症结所在。
他说:
很多人都迫不及待地向前走,仅仅因为这是数字货币,是推动无纸化未来的大事件,因为纸张已经过时了。但我们要解决的问题到底是什么呢?
在他看来,“世界最大经济体系的货币供应”不是解决问题的开端。
反之,Cunha认为股票、衍生品、贸易协定等才是区块链的最佳应用领域,能够减少摩擦、降低成本。
没有发行‘FedCoin’的计划
Cunha还澄清了FedCoin(美联储币)的谣言。2015年,美联储圣路易斯分部某经济学家发表的论文中提到了这个假设性的数字法币。
现在我可以直截了当地告诉你们,我们没有计划在任何具体的时间发行FedCoin。
不过,MIT数字货币项目研究员罗布利赫•阿里(Robleh Ali)表示,不同的央行会做出不同的决策,他也曾是英国央行的一员。
Ali说,数字法币可以在银行系统之外进行发展,等到技术成熟之后就会被银行采纳,这种情况绝对是可以预见的。
我认为最终数字法币会成为金融系统的基础。
他总结道:
在20或者30年之后你们就会频繁讨论这个话题了。
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