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香港金管局:预计年底完成数字货币首期研究
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Topic: 香港金管局:预计年底完成数字货币首期研究 (Read 150 times)
goodyang
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香港金管局:预计年底完成数字货币首期研究
April 20, 2017, 07:52:30 AM
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创新科技发展日新月异,为保持竞争力,巩固香港国际金融中心枢纽地位,金管局总裁陈德霖表示,正联同本港三间发钞行、香港银行同业结算公司和R3联盟,就央行发行的数字货币展开第一期研究,预计年底前公布研究结果,再决定未来发展方向,又指现时无任何具体计划推出数字货币。
第一期研究的目的,是就着数字货币应用于香港的银行间支付及债券交收的可行性和利弊,提出初步分析。陈德霖表示,现时央行发行数字货币的利弊仍没有完全清晰确立,金管局也没有任何具体计划推出数字货币,但金管局其中一项主要职能是负责发行货币以及维持货币稳定,因此需要主动多了解相关课题,以决定将来何去何从。
金管局助理总裁李树培表示,研究范围包括CBDC在银行之间、金融机构/企业大额支付,以及债券交易的应用,并探讨是否可透过CBDC以“货银两讫”的方式结算等。此外,研究还会利用数码货币支持债券交易以货银两讫方式进行结算,而央行发行数码货币的研究之中,也牵涉会否付息及全天候运作,而香港的研究只是相当初步,有待完成研究后再作方向性的决定,但认为发行数码货币有助降低成本及提高安全度,并且不排除未来就此作跨央行合作。
李树培强调,有海外央行就发行数字货币作出的研究,并不是单单限于全由央行发行,也有研究央行与商业银行发行数字货币两者并存的情况。不过他强调,金管局目前没有任何前设,也没有迫切性做任何事。即使在完成第一期研究之后搁置计划“也不足为奇”,而届时可能有新技术出现也是无法预料的。
据了解,对于很多人而言,数字货币的概念云里雾里,也容易将数字货币与电子货币、虚拟货币混淆。其实,从广义来看,数字货币包含的方面比较广阔,包括电子货币、虚拟货币和法定数字货币。
通俗点说,现在的电子货币、各种转账,账面上的那些数字,本质上还只是一种现有法定货币的信息化过程,只是支付工具,还不能称作严格意义上的数字货币。数字货币作为法定货币必须由央行来发行,其本身就是货币而不仅仅是支付工具。
简单地说,数字货币,就是你掌握的那串密码、那张证书。
而对于法定数字货币,目前国际尚无统一定义。央行科技司副司长兼数字货币研究所筹备组组长姚前认为,央行研究发行的数字货币是指数字化人民币,从各国方案看属于法定加密数字货币,其本身是货币而不仅仅是支付工具。而与之对应,虚拟货币也称为非法定数字货币。
对于较多人熟悉的比特币,李树培指比特币是“虚拟商品”,并非数字货币,也没有发行人;CBDC则有明确的发行人,有需要时可兑换现金,两者“分别颇大”。他补充说,发行新钞的成本不轻,而且常有伪钞出现,数字货币是否比较优胜,也是研究内容之一。(综合大公网)
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香港金管局:预计年底完成数字货币首期研究
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