Chancen und Risiken von digitalem Notenbankgeld
Zentralbanken rund um den Globus arbeiten intensiv an der Umsetzung von elektronischem Notenbankgeld.
Die Bank für Internationalen Zahlungsausgleich (BIZ) erstellte in Zusammenarbeit mit sieben Zentralbanken – darunter die SNB – einen gemeinsamen Bericht in Englisch zu digitalem Notenbankgeld (Central Bank Digital Currencies, CBDC)
„The Market“ aus der NZZ fasst das Wichtigste in Deutsch zusammen.
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Central banks have been providing trusted money to the public for hundreds of years as part of their public policy objectives. Trusted money is a public good. It offers a common unit of account, store of value, and medium of exchange for the sale of goods and services, and settlement of financial transactions. Providing cash for public use is an important objective for central banks.
Commercially-provided, fast and convenient, digital payments have grown enormously in volume and diversity. To evolve and pursue their public policy objectives in a digital world, central banks are actively researching the pros and cons of offering a digital currency to the public (a “general purpose” central bank digital currency – CBDC). Understanding CBDCs has advanced significantly in the last few years. Published research, policy work, and proofs-of-concept from central banks have gone a long way towards establishing the potential benefits and risks.