CBDC（中央銀行數字貨幣）是主要角色。

這是該國中央銀行發行的數字貨幣。負責我們國家的貨幣政策的韓國銀行也一直在為這枚硬幣努力。

After several investment fads and flurries, which saw the emergence of virtual assets that are now viewed as investment products, governments and central banks have begun experimenting with applying these digital currencies to our daily lives. I'm thinking of making a coin guaranteed by the government.

經過幾次投資和狂熱之後，現在將虛擬資產的出現出現了，這些虛擬資產現在被視為投資產品，政府和中央銀行已經開始嘗試將這些數字貨幣應用於我們的日常生活。我正在考慮製作政府保證的硬幣。

This is CBDC (Central Bank Digital Currency), the main character in today's report. It's a digital currency issued by the central bank of the country. The Bank of Korea, which is responsible for our country's monetary policy, has also been working hard on this coin. And finally, the CBDC use test began on the 1st of this month for the general public.

這是CBDC（中央銀行數字貨幣），這是當今報告的主要角色。這是該國中央銀行發行的數字貨幣。負責我們國家的貨幣政策的韓國銀行也一直在為這枚硬幣努力。最後，CBDC使用測試於本月1月1日開始為公眾。

The media and the financial community are paying close attention to the experiment, which will run until June 30 under the name Project Han River. It is a large-scale experiment in which 100,000 people will participate, and the era of digital currency may open soon depending on the test results.

媒體和金融界正在密切關注該實驗，該實驗將於6月30日以Han River的名稱進行。這是一個大規模的實驗，將有100,000人參加，數字貨幣時代可能會根據測試結果即將開放。

What is CBDC? It's the national official currency (legal currency) like Korean won or U.S. dollar, but it is a digital currency that does not print paper money or coins. The issuance of CBDC means that the Bank of Korea creates virtual assets like bitcoin in Korea and the Federal Reserve System (Fed) in the United States.

什麼是CBDC？這是像韓國贏家或美元之類的全國官方貨幣（法定貨幣），但它是一種數字貨幣，不打印紙幣或硬幣。 CBDC的發行意味著韓國銀行在韓國創建了虛擬資產和美國的美聯儲系統（FED）。

CBDC is similar to existing virtual assets in that advanced technologies such as blockchain are applied, but the value is set, so market price fluctuations do not occur like Bitcoin. Since the government guarantees it, even digital currency is no different from actual paper money. In fact, there are fewer and fewer cases of using paper money and coins. So instead of printing less real money, CBDC can complement its role, and in the distant future, only CBDC can be used.

CBDC與現有的虛擬資產相似，因為應用了高級技術，例如區塊鏈，但設定了該價值，因此市場價格波動不會像比特幣那樣發生。由於政府保證了這一點，即使是數字貨幣也與實際的紙幣沒有什麼不同。實際上，使用紙幣和硬幣的情況越來越少。因此，CBDC無需打印少的錢，而是可以補充其角色，在遙遠的將來，只能使用CBDC。

Even if CBDC is introduced in earnest, the lives of ordinary consumers will not suddenly change significantly. Credit cards are already more widely used than cash, and mobile payment services such as 'OO Pay' have become more common.

即使認真引入了CBDC，普通消費者的生活也不會突然改變。信用卡已經比現金更廣泛地使用了，而移動支付服務（例如“ OO Pay”）變得更加普遍。

However, there is a big difference at the national level. This is because it can reduce the cost of the money exchange transaction itself. It may vary slightly depending on how each country develops CBDC, but it is advantageous to reduce costs and maintain security because it basically uses technologies such as blockchain. It operates safely without multiple institutions or complex paperwork for payment processing. The fee is also expected to be much cheaper.

但是，國家一級有很大的不同。這是因為它可以降低貨幣兌換本身的成本。它可能會因每個國家如何發展CBDC而略有不同，但是降低成本並保持安全性是有利的，因為它基本上使用了區塊鍊等技術。它可以安全地運行，沒有多個機構或複雜的文書工作來進行付款處理。預計費用還會便宜得多。

For example, there is no need to go through various financial institutions when the government pays subsidies to the people or when the people pay taxes to the government. It's safe to just send it from our electronic wallet with CBDC to the government wallet. This makes it much easier for central banks to use policies to control the amount of money in the market, and it also makes it easier to crack down on tax evasion or illegal transactions. In most transactions where money comes and goes, efficiency is greatly improved. Of course, you can also save a lot of money printing and managing real money.

例如，當政府向人民支付補貼或人民向政府繳稅時，無需通過各種金融機構。可以安全地將其從我們的電子錢包和CBDC發送到政府錢包。這使得中央銀行使用政策來控制市場中的資金數量變得容易得多，這也使打擊逃稅或非法交易變得更加容易。在大多數錢來往來的交易中，效率大大提高。當然，您還可以節省大量的金錢印刷和管理真實資金。

If CBDCs are used very actively, it could take away a lot of the role of banks in the extreme. However, in the case of CBDC tested by the Bank of Korea this time, it is a "CBDC for institutions" used only by financial institutions without reducing the role of banks.

如果CBDC非常積極地使用，它可能會消除銀行在極端中的許多作用。但是，在這次由韓國銀行測試的CBDC的情況下，它是金融機構使用的“ CBDC”，而無需降低銀行的作用。

As explained earlier, if the CBDC that everyone uses on a daily basis is 'universal', the test this time is 'institutional'. It means that the Bank of Korea and domestic banks exchange necessary funds with each other in the institutional payment network, and apply CBDC only here.

如前所述，如果每個人每天使用的CBDC都是“通用”，那麼這次的測試是“機構”。這意味著韓國和國內銀行在機構支付網絡中彼此交換必要的資金，僅在此處申請CBDC。

Of course, individuals can also enjoy the benefits of CBDC indirectly. You don't have a CBDC directly, but you can use a 'deposit token' linked to an institutional CBDC. A deposit token is a digital currency issued by commercial banks with CBDC as collateral. CBDC itself is used only by financial institutions and does not release it to consumers, but banks reissue tokens secured by CBDC so that consumers can use them indirectly. Deposit tokens are made to be used like regular bank deposits. It is said that remittances and deposits were made as easy as possible to use by consumers by making them like existing deposits.

當然，個人也可以間接享受CBDC的好處。您沒有直接的CBDC，但是可以使用與機構CBDC相關的“存款令牌”。存款令牌是商業銀行以CBDC作為抵押品發行的數字貨幣。 CBDC本身僅由金融機構使用，並且不會將其釋放給消費者，但是銀行重新發行了CBDC保護的代幣，以便消費者可以間接使用它們。存款令牌像常規銀行存款一樣使用。據說，通過使其像現有存款一樣使匯款和存款使消費者盡可能容易地使用。

Seven domestic banks (KB Kookmin, Shinhan, Hana, Woori, NH Nonghyup, IBK Company, and BNK Busan) will participate in this experiment. Citizens over the age of 19 who have an occasional deposit account in each bank can apply to participate through the bank's mobile app. Up to 100,000 people will participate in the test when all the people assigned to each bank are combined.

七家國內銀行（KB Kookmin，Shinhan，Hana，Woori，NH Nonghyup，IBK Company和BNK Busan）將參加這項實驗。在每家銀行偶爾有存款帳戶的19歲以上的公民可以申請通過銀行的移動應用程序參與。當將所有分配給每個銀行的人合併時，最多將有100,000人參加測試。

From the 1st of this month, participants can convert deposits in their accounts into deposit tokens up to 1 million won at a time and store them in their electronic wallets, and use them at more than 20,000 places such as convenience stores, cafes, bookstores, marts, and

從本月1日起，參與者可以將其帳戶中的存款轉換為最高100萬韓元的存款代幣，並將其存儲在其電子錢包中，並在20,000多個地方使用它們，例如便利店，咖啡館，書店，Marts和Marts和