Nekuchangobva kuitika kwekudyara kwecryptocurrency, hazvishamise kuti hurumende dziri kuongorora dhijitari shanduro dzavo wega mari yekunze. Mhedzisiro yacho inogona kunge iri dambudziko hombe kumakambani ekristptocurrency, makambani efintech, mabhanga makuru uye, kana isu tichidyara mune chero ipi zvayo, kune yedu portfolio ...
Chii chinonzi CBDCs?💰
Mari yepakati pebhangi yedhijitari, kana CBDC, imari yekutendeseka yenyika mune dhijitari vhezheni: tinogona kuona madhora edhijitari kana, sezvatove. kuita muChina, iyo digital yuan. Panzvimbo yekudhinda mari yepanyama, bhangi repakati rinopa hurumende inotsigirwa nemari yedhijitari. Kuti zvive pachena, izvi hazvisi izvo Zvakafanana nekubhadhara nemakadhi echikwereti uye maapplication ekubhadhara sezvatinoita izvozvi. Idzo ingori nzira dzekufambisa mari pamagetsi, uko mari yedhijitari inoshandura mari kuita kodhi yekombuta.
Ramangwana remari riri mukudyara mari mucryptocurrencies seCBDCs. Digital Asset Blog
Sekureva kweBank for International Settlements, zvikamu makumi mapfumbamwe kubva muzana zvemabhanga makuru enyika akatanga zvirongwa zvemari yedhijitari. Chiratidzo chekuti munhu wese ari kurwira kutonga kwemaitiro avo emari. Kuisa mari mu cryptocurrencies kuri kuwedzera kunetsa kune mari yefiat, iyo inotyisidzira zvishandiso izvo mabhanga epakati anotsamira pakudzora hupfumi hwavo.
Matanho akasiyana enyika 'CBDC chirongwa. Kunobva: Atlantic Council
Ndezvipi zvinobatsira zveCBDCs?????
Kune akawanda mabhenefiti ekudyara mu cryptocurrencies seCBDCs. Aihwa inogona kugadzirwa, kuita kuti hurumende zvive nyore kuonekwa kwemabasa ehutsotsi uye, sezvo vane kukosha kwakafanana neshanduro dzavo dzepepa, vachave zvakanyanya kuderera pane kuisa mari mu cryptocurrencies. Vanokubvumirawo kuti uite nekukurumidza uye zvakachipa mari kutamiswa (kusanganisira kubhadhara miganhu) izvo zvinogona kusimudzira basa rehupfumi pamwe nekupa mabhiriyoni maviri evanhu unbanked kodzero yekukwanisa kuita kutengeserana kwakadaro pasina matambudziko akawanda sezvinowanzoitika.
Kuenzanisa pakati pemari, cryptocurrencies uye CBDCs. Kunobva: Mycelium
Uyezve, hurumende dzinogona kushandisa CBDCs ku kurumidza kuita matanho anosimudzira hupfumi. Semuenzaniso, kuendesa mari kuhuwandu sezvakaitika panguva yedenda, zvaizokurumidza uye zviri nyore dai vakaiswa zvakananga pasina vamiriri. Pakupedzisira asi kwete zvishoma, the mari inogona kurongwa. China yakaedza mazuva ekupera kwedhijitari yuan kukurudzira vagari kuti vashandise nekukurumidza, panguva iyo hupfumi hunoda kusimudzira. Uye pamwe zvakatonyanya kukosha, Bhangi reEngland rakati pondo yayo yedhijitari yaizobvumira vabereki kuronga kugoverwa kwemari kuvana vavo kuti vadzore mashandisiro avanoita.
Chimiro chedhijitari yuan (e-CNY). Kunobva: Deutsche Bank
Zvese izvo zvinonzwika hombe, asi imomo ndimo mune kushata kukuru kwekudyara mari mucryptocurrencies seCBDCs: vanopa simba risati ramboonekwa kumabhanga epakati, vachivabvumira kuronda mashandisirwo anoitwa vanhu munguva chaiyo uye kuchengetedza rekodhi yekufamba kwese kwemari muhupfumi hwavo. Uye izvo zvinobva zvaunza gakava rakakura uye rakakosha nezve kuvanzika uye rusununguko rwekutanga…
Ndeupi mhedzisiro ichave nekudyara mu cryptocurrencies seCBDCs? 🥊
Makambani ekubhadhara 💲
Kuisa mari mumakristptocurrencies seCBDCs kunogona kubvisa makambani ekubhadhara zvachose. Iyo yuan yedhijitari, semuenzaniso, yakagadzirirwa kufamba kubva panzvimbo A kuenda kuB ipapo, ichibvisa kudiwa kweakavanzika emagetsi ekubhadhara masisitimu anodzorwa neAnt Group's Alipay kana Tencent's WeChat Pay, ese ari China ari kuwedzera kutora matanho ekudzivirira. .
Kana CBDCs ikaramba ichifambira mberi, makambani akaita seWechat kubhadhara kana Alipay achakanganiswa zvakanyanya. Kunobva: Jing Tsika & e-Commerce.
Mamwe maCBDC anogona kugadzirwa kuti ashande nemakambani ekubhadhara akazvimirira kana kuatsiva zvachose. Kana iyo yekupedzisira ikaitika, ingave nhau dzakaipa kumakambani akadai sikweya, PayPal, Mastercard, vhiza y Global Kubhadhara.
Traditional banks 🏛️
Munguva yematambudziko emari, kukomba kwebhangi kunogona kuitika apo vazhinji vevatengi varo, vane hanya nekuchengeteka kwebhangi, vanomhanyira kutora mari yavo yepanyama pakarepo. Zvino ngatifungei kuti vatengi ivavo, nekubata kwebhatani, vanogona kufambisa mari yavo kune yakachengeteka zvachose CBDC iyo inochengetwa digitally kubhangi repakati. Izvi zvinoita kuti kukomba kwebhangi kuve nyore, izvo zvisiri nhau huru kune chikamu.
Mifananidzo yecorralito yemari yakatambura muArgentina muna 2001. Kwakabva: Bolsamanía
Mabhangi epakati anogona kuita matanho ekudzivirira izvi, semuenzaniso nekudzikamisa huwandu hweCBDC vanhu vanogona kubata. Asi kukomba kwebhanga handiro chete dambudziko pano. Kunyangwe munguva dzakanaka, madhipoziti evatengi, yakakosha sosi yemari kumabhanga, anogona kuramba achisiya sisitimu kana vanhu vakangoda kuchengeta mari yedhijitari yakachengetwa mubhangi repakati. Mumamiriro ezvinhu akadaro, mabhanga aifanirwa kutsvaga imwe nzira, inogona kudhura mari yekuwana mari, iyo inogona kukanganisa purofiti yavo.
Kuisa mari mune inoshanduka cryptocurrencies ⛓️
Shanduko yehupfumi hwedhijitari inogona kuenda munzira mbiri:
- Muchiitiko chekutanga, vatongi vanowedzera kukanganisa mari ye cryptocurrency uye vanosundira CBDCs seimwe nzira. Mumamiriro ezvinhu akaipisisa apo nyika yose yezvemari inova CBDC, hurumende inogona kurambidza zvachose vanhu kubva kuvashandisa kutenga cryptocurrencies. Mamiriro ezvinhu aya angave akaipa kune ese ari maviri cryptocurrency mitengo yekudyara uye kudyara mumasheya emakambani akafumurwa kumusika wakafara we cryptocurrency, senge. Coinbase.
Mamiriro azvino emutemo wecryptocurrency pasi rose. Kunobva: Medio16
- Muchiitiko chechipiri, kusundidzira kwehurumende kuenda kuCBDCs kunogona kupedzisira kwawedzera netsaona kusima mari mune inoshanduka cryptocurrencies. Kune rimwe divi, mari mune cryptocurrencies akadai bitcoin Vane chidimbu chinopihwa icho (muchirevo) chinovaita chitoro chakanaka chekukosha. Kupihwa kweCBDCs kunogona kugara kuchiwedzerwa nehurumende, zvichibvisa simba rekutenga redhijitari mari.
Quantitative easing (QE) mitemo yakabatsira cryptocurrency investment returns. Kwakabva: Pakati
Nekune rimwe divi, maCBDC anobvisa chimwe chezvinhu zvinonyanya kukwezva zvekudyara mari mu cryptocurrencies: kusazivikanwa kwemushandisi. Imhaka yekuti ivo vanodzorwa nehurumende, nepo cryptocurrency investing inoshanda mune decentralized masisitimu kunze kwekusvika kwehurumende. Kana kusundidzira kuCBDCs kuchiita kuti vanhu vanzwe sekunge vari kurasikirwa nekuvanzika kwavo uye nerusununguko rwekutanga, zvinogona kutungamira vagari toward mari mu cryptocurrencies, sezvo ivo vanodzivirira kuvanzika uye panguva imwe chete vari decentralized.