紐西蘭透過四階段CBDC計畫開始數位貨幣探索

紐西蘭央行 (RBNZ) 宣布打算探索發行央行數位貨幣 (CBDC)，並計劃於 2023 年進行試點。

New Zealand Embarks on Digital Currency Explorations: Central Bank Unveils Four-Stage Plan for Issuance

紐西蘭開啟數位貨幣探索：央行公佈四階段發行計劃

Wellington, New Zealand - New Zealand's central bank, the Reserve Bank of New Zealand (RBNZ), has embarked on a comprehensive exploration of digital currency issuance, signaling a significant step towards integrating digital currencies into its financial system. This move underscores the nation's recognition of the transformative potential of digital currencies and its commitment to shaping their future within its borders.

紐西蘭威靈頓 - 紐西蘭中央銀行紐西蘭儲備銀行（RBNZ）已開始對數位貨幣發行進行全面探索，標誌著將數位貨幣納入其金融體系邁出了重要一步。此舉突顯了該國對數位貨幣變革潛力的認識，以及在境內塑造數位貨幣未來的承諾。

Digital Cash: A Retail-Centric CBDC with Cross-Border Reach

數位現金：以零售為中心的跨境 CBDC

Central to the RBNZ's plans is the introduction of a central bank digital currency (CBDC) dubbed "digital cash." This proposed CBDC would primarily target retail users, enabling seamless purchases and payments. However, its design also accommodates corporate transactions, providing flexibility for a wide range of economic activities. Notably, digital cash will not cater to wholesale financial operations, but it will be permissible for cross-border payments, acknowledging its potential utility in an increasingly globalized economy.

紐西蘭央行計畫的核心是推出一種被稱為「數位現金」的央行數位貨幣（CBDC）。該建議的 CBDC 將主要針對零售用戶，實現無縫購買和支付。然而，其設計也適應企業交易，為廣泛的經濟活動提供靈活性。值得注意的是，數位現金不會滿足批發金融業務的需求，但它可以用於跨境支付，承認其在日益全球化的經濟中的潛在效用。

Four-Stage Issuance Plan: A Phased Approach to Rollout

四階段發行計劃：分階段推出

The RBNZ has meticulously planned the issuance of its digital cash in four distinct stages. The current phase involves extensive research and exploration of design options, complemented by ongoing public consultations. This stage is critical as it allows the RBNZ to gather valuable feedback and insights from citizens and stakeholders. The subsequent stages will involve the development, testing, and eventual rollout of digital cash, with a projected launch window between 2024 and 2030.

紐西蘭聯邦儲備銀行精心規劃了四個不同階段的數位現金發行。目前階段涉及對設計方案的廣泛研究和探索，並輔以持續的公眾諮詢。這一階段至關重要，因為它使紐西蘭聯邦儲備銀行能夠從公民和利益相關者那裡收集寶貴的回饋和見解。後續階段將涉及數位現金的開發、測試和最終推出，預計推出時間為 2024 年至 2030 年。

Coexistence with Traditional Forms of Money: Digital Cash Integrates Seamlessly

與傳統貨幣形式共存：數位現金無縫集成

Ian Woolford, the RBNZ's Director of Money and Cash, emphasized that digital cash is not intended to replace traditional forms of money such as bills, coins, and electronic bank account money. Instead, it is designed to coexist with these existing instruments, offering a complementary option for seamless payments and purchases. This approach ensures that individuals and businesses can choose the most suitable form of money for their specific needs and preferences.

紐西蘭央行貨幣和現金主管 Ian Woolford 強調，數位現金無意取代紙幣、硬幣和電子銀行帳戶資金等傳統形式的貨幣。相反，它旨在與這些現有工具共存，為無縫支付和購買提供補充選項。這種方法確保個人和企業可以根據自己的特定需求和偏好選擇最合適的貨幣形式。

Beyond Innovation: Tackling Unregulated Cryptocurrencies

超越創新：應對不受監管的加密貨​​幣

The RBNZ's pursuit of a CBDC is not solely driven by a desire for monetary innovation. The central bank is also keenly aware of the potential risks associated with the proliferation of unregulated cryptocurrencies within its borders. By introducing a central bank-issued digital currency, the RBNZ aims to provide a safe and reliable alternative for citizens, while simultaneously discouraging the use of decentralized cryptocurrencies like Bitcoin.

紐西蘭聯邦儲備銀行對 CBDC 的追求不僅僅是出於對貨幣創新的渴望。央行也敏銳地意識到不受監管的加密貨​​幣在其境內擴散所帶來的潛在風險。透過引入央行發行的數位貨幣，紐西蘭央行旨在為公民提供安全可靠的替代方案，同時阻止使用比特幣等去中心化加密貨幣。

Privacy, Security, and the Evolution of Money in a Digital Age

數位時代的隱私、安全與貨幣演變

The introduction of a CBDC raises important questions about privacy, security, and the changing nature of money in a digital age. As digital cash becomes more prevalent in everyday transactions, these factors will play a crucial role in its adoption and functionality. The RBNZ is committed to addressing these concerns through robust security measures and transparent communication with the public.

CBDC 的引入引發了有關隱私、安全以及數位時代貨幣性質變化的重要問題。隨著數位現金在日常交易中變得越來越普遍，這些因素將對其採用和功能發揮至關重要的作用。紐西蘭聯邦儲備銀行致力於透過強有力的安全措施和與公眾的透明溝通來解決這些問題。

Ongoing Consultations and Public Engagement: Shaping Digital Cash for New Zealand

持續諮詢與公眾參與：塑造紐西蘭數位現金

The RBNZ has placed a strong emphasis on public consultation and engagement throughout the digital cash exploration process. Recognizing the importance of tailoring digital cash to the specific needs of New Zealand's citizens and businesses, the central bank is actively seeking feedback and input from all stakeholders. Ongoing consultations will ensure that the final design and implementation of digital cash align with the country's evolving economic and technological landscape.

紐西蘭聯邦儲備銀行在整個數位現金探索過程中非常重視公眾諮詢和參與。有鑑於根據紐西蘭公民和企業的具體需求客製化數位現金的重要性，央行正在積極尋求所有利害關係人的回饋和意見。正在進行的磋商將確保數位現金的最終設計和實施符合該國不斷發展的經濟和技術格局。

Conclusion: A Progressive Approach to Digital Currency Integration

結論：數位貨幣整合的漸進方法

New Zealand's exploration of a CBDC marks a significant step in the nation's journey towards embracing digital currency technology. The RBNZ's comprehensive four-stage plan, combined with its commitment to public consultation and innovation, demonstrates a progressive approach that balances the pursuit of technological advancements with a cautious consideration of risks and implications. As digital cash evolves and its impact on the financial system becomes more apparent, New Zealand's experience will provide valuable lessons for other nations navigating the complexities of digital currency integration.

紐西蘭對 CBDC 的探索標誌著該國在擁抱數位貨幣技術的道路上邁出了重要一步。紐西蘭聯邦儲備銀行全面的四階段計劃，加上其對公眾諮詢和創新的承諾，展示了一種漸進的方法，可以在追求技術進步與謹慎考慮風險和影響之間取得平衡。隨著數位現金的發展及其對金融體系的影響變得越來越明顯，紐西蘭的經驗將為其他國家應對數位貨幣一體化的複雜性提供寶貴的經驗教訓。