數位支付攤牌：如果銀行落後，英國央行將推出 CBDC

英格蘭銀行 (BOE) 行長安德魯貝利 (Andrew Bailey) 週六在華盛頓舉行的三十國集團年度國際銀行研討會上發表講話，分享了他對數位支付發展的展望

The Bank of England (BOE) might introduce a digital currency if commercial banks fail to drive innovation in retail payments, according to BOE Governor Andrew Bailey.

英國央行行長安德魯貝利表示，如果商業銀行未能推動零售支付創新，英國央行可能會推出數位貨幣。

Speaking at the Group of Thirty’s Annual International Banking Seminar in Washington on Saturday, Bailey highlighted the need for updates in cross-border and wholesale payments. He suggested that digital technology could make these payments more efficient, less costly, and more transparent.

週六，貝利在華盛頓舉行的三十國集團年度國際銀行研討會上發表講話，強調需要更新跨境和批發支付。他建議數位技術可以使這些支付更加高效、成本更低且更加透明。

The central bank governor said that commercial banks are best placed to drive innovation in retail payments, but a central bank digital currency (CBDC) might be required if they fall behind.

這位央行行長表示，商業銀行最有能力推動零售支付創新，但如果它們落後，可能需要央行數位貨幣（CBDC）。

“If for some reason innovation is unlikely to happen, then the central banks have to decide whether they are the only game in town,” Bailey said. “For me, this justifies why we must continue to prepare for retail CBDC. We have not yet seen enough evidence that the innovation will happen in commercial banks.”

貝利表示：“如果由於某種原因創新不太可能發生，那麼央行必須決定它們是否是唯一的遊戲。” 「對我來說，這證明了我們必須繼續為零售 CBDC 做好準備。我們還沒有看到足夠的證據表明商業銀行將發生創新。

“As central banks, we should be thoroughly engaged to encourage, and if necessary, provide such innovation – but there is no good reason to be proprietorial on this,” he added.

他補充說：“作為央行，我們應該全力鼓勵並在必要時提供此類創新，但沒有充分的理由對此保持專制。”

The BOE is closely tracking developments in payment technologies and user preferences, Bailey said.

貝利表示，英國央行正在密切追蹤支付技術和用戶偏好的發展。

“For commercial bank money to function effectively, it must keep pace with the needs of its users,” he said. “Our work on retail CBDC is considering these trends in the payments landscape closely. Absent innovation in commercial bank money, central banks may be left as the only game in town insofar as retail payments innovation is concerned.”

「商業銀行的資金要有效發揮作用，就必須跟上用戶的需求，」他說。 「我們在零售 CBDC 方面的工作正在密切考慮支付領域的這些趨勢。如果商業銀行貨幣缺乏創新，就零售支付創新而言，央行可能會成為唯一的遊戲。

“That is not my preferred outcome, but not one that we should rule out,” Bailey added.

「這不是我想要的結果，但我們也不應該排除這一結果，」貝利補充道。