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Did you Know?
ETtechGlobal 銀行訊息網 SWIFT 告訴路透社，該公司計劃在未來一到兩年內建立一個新平台，將目前正在開發的央行數位貨幣浪潮與現有金融系統連接起來。鑑於 SWIFT 在全球銀行業中的關鍵作用，這項舉措對於新興的 CBDC 生態系統來說將是迄今為止最重要的舉措之一，並且可能會在第一個主要舉措推出時進行微調。全球約 90% 的中央銀行目前正在探索其貨幣的數位版本。大多數人不想被比特幣和其他加密貨幣拋在後面，但正在努力應對技術的複雜性。 .mudrexTable{字體系列：蒙特塞拉特島；寬度：640px；顯示：內聯塊；邊距：10px自動；字體大小：11px；行高：14px；邊框底部：1px實心#C7C7C7；邊框頂部：1px固體#C7C7C7;填充：20px 0 10px 0} .mudrexTable .tTopic{font-size:12px;font-weight:700;margin-bottom:20px;font-family:Montserrat;} .mudrexTableTablexpx 000;文字裝飾:無;邊框底部:0;字體粗細:700;} .mudrexTable .thead{浮動:左;寬度:610px;邊距:0 10px 15px 10px} .mudrexTable .thead .mtext{浮動:左；字體大小：20px；字體粗細：700} .mudrexTable .thead .mlogo{float：右} .mudrexTable .M_left{float：左；寬度：300px；右邊框：1px 實心#E3E3E3；邊距：10px；右邊框：1px 實心#E3E3E3；邊距：10px 15pdrex 15x .R_left{float:right;width:300px;margin:10px 0} .mudrexTable .list{border-bottom:1px虛線#E3E3E3;margin:0 0 10px;padding-bottom:10px;float:left wx; .mudrexTable .list div{float:left} .mudrexTable .list .name{width:150px} .mudrexTable .list .name a, .mudrexTable .R_left .list .name a{font-weight:400; ;color:#000;text-decoration:none;} .mudrexTable .list .name a:hover, .mudrexTable .R_left .list .name a:hover, .mudrexTable .tTopic a:hover{text-decoration :下劃線; .mudrexTable .list .value{寬度:64px;文字對齊:中心} .mudrexTable .list .valueOne{文字對齊:左;填入左:12px;寬度:52px;} .mudrexTable .R_left .列表.name{寬度:100px } .mudrexTable .R_left .list .value{寬度:115px;文字對齊:右;邊距右: 20px;} .mudrexTable .R_left .list .buy{寬度:40px;文字對齊:center} .mudrexTable .買一個{顯示：內聯塊；垂直對齊：頂部；邊框半徑：20px；邊框：實心1px紫色；填充：1px 10px；顏色：紫色；遊標：指針；文字轉換：大寫；字體粗細：400} .mudrexTable .arrow{邊框：solid #000;邊框寬度：0 1px 1px 0;顯示：內聯塊；填充：3px} .mudrexTable .right{變換：旋轉(-45deg) ;-webkit-transform:旋轉(-45deg)} .mudrexTable .returnPrc{位置：相對;} .mudrexTable span.returnPrc{顯示:inline-block;padding-left:10px;} .mudrexTable .up{顏色: #0e9687 } .mudrexTable .down{顏色：#da2337} .mudrexTable . returnPrc.up:before{內容：''；位置：絕對；左：4px；頂部：2px；寬度：3px；高度：3px；邊框頂部：solid 1px #0e9687;border-right:solid 1px #0e9687;transform: rotate(-45deg)} .mudrexTable .returnPrc.up:after{content:'';position:absolute;left:5.5px;top:2px;border-左：實心1px #0e9687;底部：4px} .mudrexTable .returnPrc .down：之前{內容：''；位置：絕對；左：4px；頂部：8px；寬度：3px；高度：3px；邊框頂部：solid 1px #da2337;border-right:solid 1px #da2337;transform:rotate (135deg)} .mudrexTable .returnPrc.down:after{content:'';position:absolute;left:5.5px;top:3px;border-left :solid 1px #da2337;Fibottom:3px} Crypto TrackerTOP COckerIN 03% BuySmart Contract Tracker18.02% BuyAI Tracker17.07% BuyBTC 50 :: ETH 5014.91% BuyWeb3 Tracker12.56% BuyTOP COINS ($) 比特幣5,853,884 ( 0.5%)購買以太坊購買以太幣 (Tether320.2029% (Tether320.2029%) %)購買Solana15,908 (-0.9%)購買BNB48,153 (-2.64%)購買你知道嗎？
The world of cryptocurrencies is very dynamic. Prices can go up or down in a matter of seconds. Thus, having reliable answers to such questions is crucial for investors.
加密貨幣的世界非常活躍。價格可能會在幾秒鐘內上漲或下跌。因此，獲得此類問題的可靠答案對於投資者來說至關重要。
It also showed they could be used in highly complex trade or foreign exchange payments and potentially be automated so to both speed up and lower the costs of the processes.
Kerigan said the results, which had also proven banks could use their existing infrastructure, had been widely regarded as a success by those who took part and given SWIFT a timeline to work to.
"We are looking at a roadmap to productize (launch as a product) in the next 12-24 months," Kerigan said in an interview. "It's moving out of experimental stage towards something that is becoming a reality."
Although the timeframe could still shift if major economy CBDC launches get delayed, getting out the blocks for when they do would be a major boost for maintaining SWIFT's incumbent dominance in the bank-to-bank plumbing network.
Countries such as the Bahamas, Nigeria and Jamaica already have CBDCs up and running. China is well advanced with real-life trials of an e-yuan. The European Central Bank has digital euro one underway too, while the Bank for International Settlements, the global central bank umbrella group, is running multiple cross-border trials.
SWIFT's main advantage though is that its existing network is already usable in over 200 countries and connects more than 11,500 banks and funds who use it to send trillions of dollars every day.
SCALABLE OPTION
The firm has gone from being virtually unknown outside banking circles to a household name since 2022 when it cut most of Russia's banks off from its network as part of the West's sanctions for the invasion of Ukraine.
Kerigan said that kind of move could still happen in a new CBDC system, but doubted whether it would stop countries from joining one.
Its latest trial involved central banks from Germany, France, Australia, Singapore, Czech Republic and Thailand as well as a number that requested to remain anonymous.
A raft of heavyweight commercial banks including HSBC, Citibank, Deutsche Bank, Societe Generale, Standard Chartered and the CLS FX settlement platform all took part too, as did at least two banks from China.
The idea is that once the interlink solution is scaled-up, banks would have one main global connection point able to handle digital asset payments, rather than thousands if they were to set up an individual one with every counterparty.
As well as the advance towards CBDCs, Kerigan pointed to a forecast from Boston Consulting Group (BCG) that by 2030 around $16 trillion worth of assets could be "tokenised" - a process where assets like stocks and bonds are transformed into digital chips that can then be issued and traded in real-time.
"If we can plug in any number of networks (into the SWIFT system) it becomes a much more scalable option for the industry," he said.
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查看詳細資訊»支付系統碎片化風險。它還表明它們可以用於高度複雜的貿易或外匯支付，並且有可能實現自動化，從而加快流程並降低流程成本。 Kerigan 表示，調查結果也證明了銀行可以利用其現有基礎設施，參與者普遍認為這一結果是成功的，並為 SWIFT 提供了工作時間表。 「我們正在研究未來 12-24 個月內產品化（作為產品發布）的路線圖，」克里根在接受採訪時表示。 “它正在從實驗階段走向現實。”儘管如果主要經濟體 CBDC 的推出被推遲，時間框架仍可能發生變化，但在推出時擺脫阻礙將是維持 SWIFT 在銀行間管道網絡中現有主導地位的重大推動力。巴哈馬、尼日利亞和牙買加等國家已經建立並運作 CBDC。中國在電子人民幣的現實試驗方面已經取得了很大進展。歐洲央行也進行數位歐元，而全球央行保護傘集團國際清算銀行也正在進行許多跨國試驗。不過，SWIFT 的主要優勢在於其現有網路已在 200 多個國家/地區使用，並連接超過 11,500 家銀行和基金，這些銀行和基金每天透過該網路發送數萬億美元。自 2022 年以來，作為西方對入侵烏克蘭制裁的一部分，該公司從銀行業之外幾乎不為人知的名字變成了家喻戶曉的名字，該公司將大部分俄羅斯銀行與其網絡切斷了聯繫。 Kerigan 表示，在新的 CBDC 系統中仍然可能發生這種舉措，但懷疑這是否會阻止各國加入該系統。其最新的試驗涉及德國、法國、澳洲、新加坡、捷克共和國和泰國的央行，以及一些要求匿名的央行。匯豐銀行、花旗銀行、德意志銀行、法國興業銀行、渣打銀行和CLS外匯結算平台等眾多重量級商業銀行也參與其中，至少兩家中國銀行也參與其中。這個想法是，一旦互連解決方案規模擴大，銀行將擁有一個能夠處理數位資產支付的主要全球連接點，而不是如果銀行與每個交易對手建立一個單獨的連接點，則將有數千個連接點。除了CBDC 的進展外，Kerigan 還指出，波士頓諮詢集團(BCG) 預測，到2030 年，價值約16 兆美元的資產可能會被「代幣化」——在這一過程中，股票和債券等資產將轉化為數位晶片，可以然後即時發行和交易。他說：「如果我們可以插入任意數量的網路（連接SWIFT 系統），那麼它就成為該行業更具可擴展性的選擇。」（您現在可以訂閱我們的ETMarkets WhatsApp 頻道）閱讀有關商業銀行銀行支付選項金融的更多新聞（正在發生什麼變化） Sensex 和Nifty 在ETMarkets 上跟踪最新的市場新聞、股票提示和專家建議。此外，ETMarkets.com 現已在Telegram 上提供。有關金融市場、投資策略和股票提醒的最快新聞提醒，請訂閱我們的Telegram 來源。) 下載經濟時報新聞應用程式可獲取每日市場更新和即時商業新聞。
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Top Trending Stocks: SBI Share Price, Axis Bank Share Price, HDFC Bank Share Price, Infosys Share Price, Wipro Share Price, NTPC Share Price
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(You can now subscribe to our ETMarkets WhatsApp channel)
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……更多（您現在可以訂閱我們的ETMarkets WhatsApp 頻道）閱讀有關商業銀行銀行支付選項金融的更多新聞（正在發生什麼Sensex 和Nifty 在ETMarkets 上跟踪最新市場新聞、股票提示和專家建議。此外，ETMarkets.com 現已在Telegram 上提供。如需有關金融市場、投資策略和股票提醒的最快新聞提醒，請訂閱我們的Telegram 提要。）下載經濟時報新聞應用程式以獲取每日市場更新和即時商業新聞。
Subscribe to The Economic Times Prime and read the Economic Times ePaper Online.and Sensex Today.
訂閱經濟時報 Prime 並閱讀經濟時報線上電子紙和 Sensex Today。
Top Trending Stocks: SBI Share Price, Axis Bank Share Price, HDFC Bank Share Price, Infosys Share Price, Wipro Share Price, NTPC Share Price
熱門股票：SBI 股價、Axis Bank 股價、HDFC Bank 股價、Infosys 股價、Wipro 股價、NTPC 股價
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