瑞士國家銀行（SNB）對加密資產保持謹慎態度，理由是其局限性和波動性

瑞士國家銀行（SNB）對加密資產保持謹慎態度，理由是其局限性和波動性。

The Swiss National Bank (SNB) remains cautious toward crypto assets, citing their limitations and volatility.

瑞士國家銀行（SNB）對加密資產保持謹慎態度，理由是其局限性和波動性。

According to a Reuters report, SNB Chairman Martin Schlegel highlighted the challenges that digital assets like Bitcoin and Ether pose as payment methods. Despite the growth in digital currencies, Schlegel said they remain a minor factor in the larger financial picture.

根據路透社報道，瑞士央行主席馬丁·施萊格爾強調了比特幣和以太幣等數位資產作為支付方式帶來的挑戰。施萊格爾表示，儘管數位貨幣有所成長，但它們在更大的金融格局中仍然是次要因素。

As digital currencies gain popularity and value, Schlegel pointed to their volatility as a barrier to adoption for daily transactions. He noted the fluctuating crypto values make them impractical as stable payment tools.

隨著數位貨幣的普及和價值的提高，施萊格爾指出，其波動性是日常交易採用的障礙。他指出，波動的加密貨幣價值使其作為穩定的支付工具不切實際。

Moreover, Schlegel expressed concerns on energy demands of cryptocurrency operations, an issue that has been increasingly scrutinized worldwide as digital currency mining requires large amounts of electricity. He added that cryptocurrencies have been associated with illicit activities and remain challenging to regulate.

此外，施萊格爾也對加密貨幣營運的能源需求表示擔憂，由於數位貨幣挖礦需要大量電力，這一問題在全球範圍內受到越來越多的關注。他補充說，加密貨幣與非法活動有關，並且仍然難以監管。

Highlighting the SNB's approach to financial technology innovations, Schlegel noted that the central bank is not resistant to technological advances in the financial sector. He shared details of a pilot program that is exploring the use of a central bank digital currency (CBDC) to ease interbank payments. The CBDC initiative aims to streamline transactions between financial institutions, enhancing efficiency and security in Switzerland’s financial systems.

施萊格爾強調了瑞士央行的金融科技創新方法，並指出央行並不抵制金融領域的技術進步。他分享了一個試點計畫的細節，該計畫正在探索使用央行數位貨幣（CBDC）來緩解銀行間支付。 CBDC 計劃旨在簡化金融機構之間的交易，提高瑞士金融系統的效率和安全性。

Despite the expansion of digital payment systems, the SNB continues to support physical cash as a core element of Switzerland’s payment system. More than 90% of Swiss residents, Schlegel noted, still want access to physical money. In line with this, the SNB revealed plans for a new series of banknotes, “Switzerland and its altitudes,” which is expected to launch in the early 2030s. The upcoming series will honor various Swiss regions, from valleys to high mountain ranges.

儘管數位支付系統不斷擴展，瑞士央行仍繼續支持實體現金作為瑞士支付系統的核心要素。施萊格爾指出，超過 90% 的瑞士居民仍然希望獲得實體貨幣。同時，瑞士央行公佈了新系列紙幣「瑞士及其海拔」的計劃，預計將於 2030 年代初推出。即將推出的系列將向瑞士各個地區致敬，從山谷到高山。

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