菲律賓央行利用硬幣再循環來減少鑄造過程中的能源消耗，推動金融包容性發展

菲律賓中央銀行 (BSP) 正在利用硬幣再循環來減少鑄造過程中的能源消耗。除了降低溫室氣體排放外，此舉還推動了菲律賓央行的金融普惠計畫。

The Bangko Sentral ng Pilipinas (BSP) is aiming to reduce energy consumption from minting by focusing on coin recirculation, a move that will also contribute to the central bank's financial inclusion initiative.

菲律賓中央銀行 (BSP) 的目標是透過專注於硬幣再循環來減少鑄造過程中的能源消耗，此舉也將有助於央行的金融普惠計畫。

To achieve this goal, BSP has installed 25 coin deposit machines (CoDMs) at major shopping malls in Metro Manila. The central bank also plans to add more of these machines in the provinces to encourage people to return coins kept in their homes to circulation.

為了實現這一目標，菲律賓央行在馬尼拉大都會的主要購物中心安裝了 25 台投幣機 (CoDM)。央行也計劃在各省增加更多此類機器，以鼓勵人們將家中存放的硬幣重新投入流通。

According to BSP's research, the coins per capita in the Philippines reached 358 pieces last year, a significant increase from the 121 pieces recorded in 2005. In comparison, the ASEAN average for coins per capita was only 50 pieces.

根據菲律賓央行的研究，去年菲律賓人均擁有硬幣達到358枚，較2005年的121枚大幅增加。

The research findings indicate that Filipinos typically keep their coins in jars, drawers, or piggy banks, which creates an “artificial shortage” that affects businesses that use coins for change.

研究結果表明，菲律賓人通常將硬幣放在罐子、抽屜或存錢筒中，這造成了“人為短缺”，影響了使用硬幣找零的企業。

“The artificial shortage brought on by the coins’ non recirculation is a significant factor in the ongoing demand for coins. The CoDM initiative substantially minimizes the environmental impact of increasing coin demand by conserving natural resources, reducing energy consumption, minimizing waste and greenhouse gas emissions and fostering a culture of recycling,” BSP said in its 2023 Sustainability Report.

「硬幣不流通造成的人為短缺是硬幣持續需求的重要因素。 CoDM 倡議透過保護自然資源、減少能源消耗、最大限度地減少廢物和溫室氣體排放以及培育回收文化，大大減少了硬幣需求增加對環境的影響。

Since deploying the CoDMs in June 2023, more than 260,000 pieces of coins amounting to over P1 billion have been collected and recirculated.

自 2023 年 6 月部署 CoDM 以來，已收集和再流通超過 260,000 枚硬幣，總價值超過 10 億比索。

Moreover, the machines are enabling more consumers to make digital payments and open bank accounts.

此外，這些機器使更多消費者能夠進行數位支付和開設銀行帳戶。

The CoDMs are strategically located at the country's major malls and supermarkets, including Robinsons Malls, SM Malls, Festival Mall, Robinsons Supermarkets, and SM Hypermarkets.

CoDM 策略性地分佈在該國的主要購物中心和超市，包括 Robinsons Malls、SM Malls、Festival Mall、Robinsons Supermarkets 和 SM Hypermarkets。

In September last year, GoTyme, one of the six digital banks in the country and a sister company of the Robinsons Group by the Gokongweis, announced its partnership with the BSP for the CoDMs.

去年 9 月，該國六家數位銀行之一、Gokongweis 羅賓遜集團的姊妹公司 GoTyme 宣布與 BSP 就 CoDM 建立合作夥伴關係。

GoTyme app users can conveniently deposit their coins into the CoDMs and earn up to a 4 percent savings interest rate annually.

GoTyme 應用程式用戶可以輕鬆地將其硬幣存入 CoDM，每年賺取高達 4% 的儲蓄利率。

“This is 60 times more than the average payroll account and certainly more than if the coins were sitting in a piggybank at home,” Gotyme Bank said in a statement to the media.

Gotyme 銀行在給媒體的聲明中表示：“這比平均工資帳戶多了 60 倍，而且肯定比放在家裡存錢罐裡的硬幣還要多。”

BSP Deputy Governor Bernadette Romulo-Puyat said they are considering Cebu, Davao, Naga City in Camarines Sur, Baguio City in Benguet, and Pampanga as new locations for CoDMs.

菲律賓央行副行長 Bernadette Romulo-Puyat 表示，菲律賓央行正在考慮將宿霧、達沃、南甘馬粦的那牙市、本格特的碧瑤市和邦板牙作為 CoDM 的新地點。

“We were supposed to test the initial 25 machines for two years, but there has been clamor for the machines. It has been a success that the machines become full of coins within a few hours or half of the day,” she added.

「我們本來應該對最初的 25 台機器進行兩年的測試，但人們對這些機器的呼聲一直很高。機器在幾個小時或半天之內就裝滿了硬幣，這已經是成功的了，」她補充道。