歐洲中央銀行（ECB）正在前進，以完成其擬議中央銀行數字貨幣（CBDC）的準備階段，即數字歐元

歐洲中央銀行（ECB）將於今年10月向其擬議中央銀行數字貨幣（CBDC）（CBDC）（CBDC）完成準備階段。

The European Central Bank (ECB) is preparing to complete the preparation phase for its proposed Central Bank Digital Currency (CBDC), the digital euro, in October of this year.

歐洲中央銀行（ECB）準備完成今年10月的擬議中央銀行數字貨幣（CBDC）（CBDC）的準備階段。

According to a recent report by CCXV, President Christine Lagarde claims the timeline aims to ensure robust testing, stakeholder engagement, and a clear regulatory framework before any final decision is made. But skepticism among lawmakers is increasing, mostly thanks to recent payment system outages that put in serious doubt the ECB’s ability to operate a digital currency efficiently.

根據CCXV的最新報告，總統克里斯汀·拉加爾德（Christine Lagarde）聲稱，時間表旨在確保在做出任何最終決定之前確保穩健的測試，利益相關者參與和明確的監管框架。但是，立法者之間的懷疑態度正在增加，這主要歸功於最近的付款系統中斷，這嚴重懷疑歐洲央行有效地運營數字貨幣的能力。

In February, the Target 2 (T2) payment system, which handles large interbank transactions, suffered an outage lasting nearly a full day. This incident is a cautionary tale for the lawmakers — who question whether the ECB’s digital euro could suffer from similar disruptions.

2月，處理大型銀行間交易的目標2（T2）支付系統持續了將近一整天的停電。對於立法者來說，這一事件是一個警示性的故事 - 他們質疑歐洲央行的數字歐元是否可能遭受類似的中斷遭受。

If It Ain’t Broken, Don’t Fix it?

如果它沒有打破，請不要修復它？

On top of that, a recent working paper from the ECB showed how little European consumers cared for a potential digital euro. The study surveyed roughly 19,000 individuals in 11 euro-area nations.

最重要的是，歐洲央行最近的一份工作文件顯示，歐洲消費者很少關心潛在的數字歐元。該研究調查了11,000名歐洲國家國家的大約19,000人。

Respondents were asked to allocate a hypothetical €10K (around AU$17K) among various assets, but they allocated only a small share to CBDCs, and most of them preferred cash, current accounts, traditional savings and current payment systems.

要求受訪者在各種資產中分配一個假想的€100K（約17,000萬美元），但他們僅分配了一小部分股份，將其分配給CBDC，其中大多數都喜歡現金，經常賬戶，傳統儲蓄和當前的付款系統。

According to the findings, most consumers need a clearer explanation of how a CBDC would benefit them. The paper reads that “educational videos can change perceptions” and therefore lead to more openness toward using a digital euro, once people understand its features.

根據調查結果，大多數消費者需要更清楚地解釋CBDC如何使他們受益。該論文寫道，“教育視頻可以改變看法”，因此一旦人們理解其功能，就可以更開放地使用數字歐元。

But it’s just not cutting it for them. The report notes that people already have multiple ways to pay, both offline and online, and do not see enough added value in a new option. Even though introducing a digital euro may not destabilise the financial system, most European households are hesitant.

但這只是不是為他們削減。該報告指出，人們已經有多種離線和在線支付付款方式，並且在新選項中看不到足夠的附加值。即使引入數字歐元可能不會破壞金融體系的穩定，但大多數歐洲家庭都在猶豫。

When the preparation phase ends, the ECB’s Governing Council—which includes board members and heads of national central banks—will decide whether to issue the digital euro. Their decision will follow any required legislation taking effect.

當準備階段結束時，歐洲央行的管理理事會（包括國家中央銀行的董事會成員和負責人）將決定是否發行數字歐元。他們的決定將遵循任何必要的立法生效。

The landscape is clear for Europeans, yet it’s to be seen whether the ECB will try to force the CBDC on European households and businesses. In contrast, US Fed Chair Jerome Powell promised during a Senate hearing that there would be no CBDC as long as he is in charge.

對於歐洲人來說，景觀很明顯，但是可以看出歐洲央行是否會試圖將CBDC迫使歐洲家庭和企業迫使CBDC。相比之下，美國美聯儲主席杰羅姆·鮑威爾（Jerome Powell）在參議院聽證會上答應說，只要他負責CBDC。

Even US President Donald Trump outlined in an Executive Order the prohibition of central US CBDCs.

甚至美國總統唐納德·特朗普（Donald Trump）在行政命令中概述了美國中部CBDC的禁令。