Thomas Daniels
Bhizinesi repakati reTaiwan rakajekesa kuti kutangwa kwayo Central bank digital mari (CBDC) inoramba iri kure, sezvo iyo institution ichishaya yakatarwa nguva yechirongwa. Richisimbisa kuoma kwazvakaita, bhanga rakasimbisa kukosha kwekuronga zvine hungwaru uye tsvakiridzo yakakura.
Zvisinei nekushaikwa kwezuva rekutanga rekutanga, bhanga guru rakazvipira kudzidzisa veruzhinji. Gore rino, ichaita tsvakiridzo yakakwana, kunzwa kuruzhinji, uye nhaurirano kusimudzira ruzivo nezve ingangoita mari yedhijitari.
Iyi nzira yekuchenjerera inoenderana nemaitiro enyika. Parizvino, 98% yehupfumi hwepasi rose iri kuongorora kana kusimudzira mapurojekiti avo eCBDC. Zvakangodaro, nyika zhinji dzakasimudza kushushikana pamusoro pekugona kuwedzera kwekuongororwa kwehurumende kungasanganisira mari yedhijitari.
Global CBDC Maitiro uye Njodzi
MaCBDCs ari kuwedzera kutora kutarisisa kwepasirese, nenyika dzinoverengeka dziri kusimudzira mapurojekiti emari yedhijitari. Bahamas, Jamaica, neNigeria vakatangisa zvizere maCBDCs avo, nepo nyika makumi mashanu nenhatu dziri mumatanho ekuronga epamusoro, uye dzimwe makumi mana nenhanhatu dziri kushingaira kutsvagisa pfungwa iyi.
Zvinokurudzira kutorwa kweCBDC zvinosiyana nenyika, kazhinji zvichitarisana nekusimudzira kubatanidzwa kwemari, kuvandudza mubhadharo, uye kupa yakazvimirira mari yedhijitari. KuMiddle East neCentral Asia, gumi nepfumbamwe kubva munyika makumi matatu neshanu dziri kuongorora maCBDCs ekuvandudza kubhadhara kwemuganho, kunyanya pakati pevanotengesa mafuta kunze kwenyika uye Gulf Cooperation Council nyika dzakadai seBahrain, Saudi Arabia, uye UAE.
Nekudaro, kugamuchirwa kweCBDCs kunosanganisira kunyatsotarisisa njodzi dzinogona kuitika, kusanganisira kumhanyisa kwebhangi, kutyisidzira kwecyber, uye matambudziko akaomarara ekutonga ane chekuita nekuvanzika uye kurwisa mari yekubira. Vagadziri vemitemo vanofanirwa kuyera njodzi idzi vachipesana nezvinotarisirwa mabhenefiti kuti vaone kukodzera kweCBDCs kuhupfumi hwavo.
Zvinozivikanwa mapurojekiti eCBDC anosanganisira Kazakhstan's digital tenge, iyo yapedza zvirongwa zviviri zvekutyaira, uye kuedza kweEU kumisa bumbiro remutemo redhijitari euro. Zvirongwa zvekuyambuka muganhu semBridge, zvinosanganisira mabhanga epakati kubva kuChina, Thailand, Hong Kong, uye UAE, zviri kufambira mberi kuburikidza nenhanho dzekutyaira.
Kunyangwe nekukwira kuri muCBDC budiriro, iripo madhijitari ekubhadhara mhinduro atopa mamwe emabhenefiti anotarisirwa. Kunetsekana pamusoro pekuvanzika kwedata, kuchengetedzeka, uye kusava nechokwadi kwemazinga ekugamuchirwa kunoenderera. Ramangwana remari masisitimu rinoenderana nekuti mabhanga epakati anofamba sei neyakaomesesa mamiriro eCBDC kuita.
