Guverner ruske centralne banke: CBDC je prihodnost za finančni sistem države

Guvernerka ruske centralne banke Elvira Nabiullina verjame, da bodo digitalne valute prihodnost finančnih sistemov, saj se bo gospodarstvo države bolj spletalo. 

Moscow published a posvetovalni dokument back in October on the feasibility of the digital ruble and is looking to launch their central bank digital currency (CBDC) by the end of the year. Nabiullina believes the transition to a CBDC would fill the demand for a fast and cheap payment system in Russia, she Rekel CNBC news. 

Posvetovalni dokument podrobno opisuje razvoj digitalnih plačil in dostop do digitalnega rublja bo znižal stroške plačilnih storitev. Poleg tega bodo nakazila cenejša in bodo spodbujala zdravo konkurenco med finančnimi institucijami.

The idea is to jump-start innovation in retail payments and help the emergence of a digital economy. The entire system’s stability is also expected to increase, as users become less dependent on individual providers. Essentially, Russia is looking to inject some fresh blood and ideas into their economy in the form of a CBDC. Pilots and trials for the digital ruble could begin in 2022, says Nabiullina.

Advocates for sovereign digital currencies say they could promote financial inclusion and make cross-border transactions easier. Nabiullina, however, believes there are a number of hurdles standing in the way, before such inclusions could occur. Primarily, as she points out, if each bank does its own thing, how would they communicate with one another? 

"Če bo vsaka banka ustvarila [svoj] sistem, tehnološke sisteme z lokalnimi standardi, bo zelo težko ustvariti nekaj medsebojnih povezav med temi sistemi, ki bodo olajšale vsa čezmejna plačila," je dejala Nabiullina.

As it stands, cryptocurrencies still cannot be used as a payment method in Russia or be owned by public officials.

ZDA vzbujajo zaskrbljenost zaradi CBDC iz nekaterih držav

Po besedah ​​nekdanjega uradnika ameriške zakladnice Michaela Greenwalda me je "zaskrbljujoče, če Rusija, Kitajska in Iran ustvarijo digitalne valute centralnih bank za delovanje zunaj dolarja, druge države pa jim sledijo." Dodal je, da bi bil tak razvoj dogodkov "zaskrbljujoč". 

Nabiullina je priznala, da so ameriške sankcije Rusiji "vztrajno tveganje" in glavni razlog, da je njihova fiskalna politika na konservativni strani.

Washington je v preteklosti Rusiji naložil številne sankcije za vprašanja, ki segajo od kibernetskih napadov do morebitnega vmešavanja na zadnjih dveh predsedniških volitvah. 

As far as China goes, it seems the United States is more concerned with being left behind as the rapid development of the digital yuan continues. Just this morning China announced it will continue their CBDC trials by handing out $6.2 million digital yuan to people in Beijing via a lottery drawing. This is the third such trial, after both Chengdu and Shenzhen hosted their own lotteries in the last year. 

Združene države Amerike je zaskrbljen that the success of these trials, and the digital yuan in general, would strengthen China’s domestic economy. Furthermore, they are worried that it could increase international competition that might threaten the dominance the U.S. dollar has long enjoyed.