韓國率先試驗數位貨幣，探索未來貨幣框架

韓國已啟動探索央行數位貨幣（CBDC）基礎設施的試驗，加入全球貨幣體系數位化的追求。韓國央行和金融監管機構合作啟動了一項試點計劃，該計劃將涉及商業銀行發行可透過 CBDC 網路存取的代幣存款。這些試驗將於本月開始，持續到明年年底，將評估批發和零售 CBDC 的影響，並包括國際清算銀行（BIS）的技術指導。

South Korea Embarks on Digital Currency Trials, Exploring Future Monetary Systems

韓國開始數位貨幣試驗，探索未來貨幣體系

Jakarta, October 4, 2023 - South Korea has joined the ranks of nations pioneering the exploration of central bank digital currencies (CBDCs), embarking on a comprehensive trial program to assess the technical infrastructure and potential implications of these transformative financial innovations.

雅加達，2023 年 10 月 4 日 - 韓國加入了率先探索央行數位貨幣 (CBDC) 的國家行列，開始實施一項全面的試驗計劃，以評估這些變革性金融創新的技術基礎設施和潛在影響。

The Bank of Korea, in collaboration with the Financial Services Commission (FSC) and the Financial Supervisory Service (FSS), unveiled plans to launch digital currency trials by the end of the month. This groundbreaking initiative marks a significant milestone in the evolution of financial systems, seeking to evaluate the feasibility of wholesale CBDCs as the backbone of future monetary frameworks.

韓國央行與金融服務委員會（FSC）和金融監督院（FSS）合作，公佈了在本月底啟動數位貨幣試驗的計畫。這項突破性措施標誌著金融體系發展的一個重要里程碑，旨在評估批發 CBDC 作為未來貨幣框架支柱的可行性。

Core to the pilot program is the participation of commercial banks in South Korea. They will issue payment instruments, in the form of token deposits, which will be accessible to the general public, private entities, and public institutions through the central bank-issued CBDC network. The platform's launch is scheduled for this month, with CBDC testing expected to continue through the end of 2024.

這項試點計畫的核心是韓國商業銀行的參與。他們將以代幣存款的形式發行支付工具，公眾、私人實體和公共機構可以透過央行發行的 CBDC 網路使用這些支付工具。該平台計劃於本月推出，CBDC 測試預計將持續到 2024 年底。

Beyond commercial banks, the Bank for International Settlements (BIS) will also partake in the pilot program, providing invaluable technical guidance and expertise to users.

除商業銀行外，國際清算銀行（BIS）也將參與試點計劃，為使用者提供寶貴的技術指導和專業知識。

Expansion of CBDC Exploration

擴大 CBDC 探索

South Korea's decision to include both retail and wholesale CBDCs in its pilot program represents a significant shift from its initial plans announced in 2020, which focused solely on wholesale CBDCs for interbank transfers and other wholesale transactions. This expanded scope reflects the growing recognition of the potential benefits of retail CBDCs for general public use.

韓國決定將零售和批發 CBDC 納入其試點計劃，這與其 2020 年宣布的最初計劃相比發生了重大轉變，該計劃僅專注於用於銀行間轉帳和其他批發交易的批發 CBDC。這種擴大的範圍反映出人們越來越認識到零售 CBDC 對公眾使用的潛在好處。

In July, South Korea designated three cities outside of its capital, namely Jeju, Busan, and Incheon, as the launch sites for the pilot program. While still in its early stages, this exploration is seen as a critical step in shaping the future of monetary systems.

7月，韓國指定首都以外的三個城市，即濟州島、釜山和仁川，作為試點計畫的啟動地點。儘管仍處於早期階段，但這種探索被視為塑造貨幣體系未來的關鍵一步。

Global Trend towards CBDCs

CBDC 的全球趨勢

The Bank of Korea's CBDC pilot program aligns with an overarching global trend of central banks embracing digital currencies as they navigate the digitalization of financial landscapes. A recent BIS survey revealed that approximately 93% of central banks worldwide are actively engaged in various CBDC-related initiatives.

韓國央行的 CBDC 試點計畫符合央行在金融領域數位化過程中擁抱數位貨幣的全球整體趨勢。 BIS 最近的一項調查顯示，全球約 93% 的中央銀行正在積極參與各種與 CBDC 相關的措施。

CBDC Adoption on the Horizon

CBDC 的採用即將到來

As of July, over 24 countries worldwide have set their sights on CBDC adoption by 2030, signaling a fundamental shift in the global financial landscape. Countries such as Nigeria and the Bahamas have already taken the leap, implementing digital currencies, while others, like the United States, are actively considering their introduction.

截至 7 月，全球超過 24 個國家已將目光投向 2030 年採用 CBDC，這標誌著全球金融格局發生根本性轉變。尼日利亞和巴哈馬等國家已經邁出了一步，實施了數位貨幣，而美國等其他國家正在積極考慮引入數位貨幣。

Amid these multifaceted developments, China has emerged as a frontrunner in CBDC development, while nations like Japan and the United Kingdom continue to explore the potential implications of digital currencies in the years to come.

在這些多方面的發展中，中國已成為 CBDC 發展的領跑者，而日本和英國等國家將在未來幾年繼續探索數位貨幣的潛在影響。

Conclusion

結論

South Korea's foray into CBDC trials, with its focus on both retail and wholesale applications, serves as a testament to the transformative potential of these digital currencies. As the world moves towards a more digitalized future, central banks are actively evaluating the role of CBDCs in shaping the financial landscapes of tomorrow. The outcomes of these trials will undoubtedly influence the trajectory of monetary systems and the way we conduct financial transactions.

韓國進軍 CBDC 試驗，重點在於零售和批發應用，證明了這些數位貨幣的變革潛力。隨著世界走向更數位化的未來，各國央行正積極評估 CBDC 在塑造未來金融格局中的作用。這些試驗的結果無疑將影響貨幣體系的軌跡以及我們進行金融交易的方式。