Az új -zélandi tartalékbank feltárja a központi bank digitális pénznemének (CBDC) ötletét

Better late than never, New Zealand’s central bank is exploring the idea of having a central bank digital currency (CBDC) in the country’s financial ecosystem. The Reserve Bank of New Zealand (RBNZ) said that a digital currency will include its potential use as a monetary policy tool.

The central bank said that this is an opportune time considering the CBDC benefits and its use as a monetary policy tool. On Thursday, September 30, RBNZ has released the documents for public consultation. The central bank neves:

„A készpénzhasználat trendjei és a pénz innovációja lehetőséget ad a Jegybank számára, hogy fontolóra vegye a jegybanki pénz széles körben elérhető digitális formára való kiterjesztését. A készpénz használatának, elfogadásának és elérhetőségének csökkenése Új-Zélandon, valamint a magánpénzekkel kapcsolatos újítások, nevezetesen a stabil érmék alkalmassá teszik a központi banki digitális valuta (CBDC) megfontolását.”

RBNZ assistant governor Christian Hawkesby said that banks need to innovate ensuring the best financial interests of the Kiwis. Hawkesby further hozzáadott:

“We’re seeking public input on how we should assess the case for central bank money in a digital form alongside cash. We still have work to do to preserve cash and the cash system for those that need it. At the same time, trends in cash use and availability along with digital innovation create opportunities to innovate as well as challenges.”

A belföldi fizetések hatékonyságának javítása

RBNZ said that a CBDC initiative will help New Zealand participate in the global movement of experimenting with a digital currency. Furthermore, it can improve domestic payments efficiency as well as cross-border payments.

However, a CBDC development requires a multi-stage approach and long lead times. RBNZ said that the digital currency should support the New Zealand dollar “as our single unit of account”. Furthermore, it should be able to exchange in a 1:1 ratio with cash.

RBNZ believes that a CBDC will have multiple benefits thereby supporting the value anchor role of the central bank money. The three major benefits mentioned by RBNZ are:

1. Staying relevant with the digital future and improving the technological form of central bank money.
2. Serving as a potential monetary policy tool to offer monetary stimulus.
3. Facilitating long-term conversion of private money to central bank money for individuals and businesses.