中央银行视角下的现金与数字货币

Cash and digital currencies from a central bank’s Perspective

本文介绍了德国居民偏好现金作为支付手段的独立性,以及未来支付手段转型的可能性,同时阐述了央行数字货币的潜在利弊。本文认为,数字支付前景广阔,但并不一定意味着现有支付方式的消亡,现金是有多重独立属性,而数字支付会促进支付更趋多样性。

This paper examines the current preference of the German public for cash as a means of payment and assesses the prospect for change in the future in that country.At the same time,it evaluates potential advantages and disadvantages of a central bank digital currency.Digital payments offer exciting prospects,but that does not necessarily imply the extinction of existing payment methods,while cash offers unique forms of independence,it may very well actually increase the diversity of payment methods.