CBDC（中央银行数字货币）是主要角色。

这是该国中央银行发行的数字货币。负责我们国家的货币政策的韩国银行也一直在为这枚硬币努力。

After several investment fads and flurries, which saw the emergence of virtual assets that are now viewed as investment products, governments and central banks have begun experimenting with applying these digital currencies to our daily lives. I'm thinking of making a coin guaranteed by the government.

经过几次投资和狂热之后，现在将虚拟资产的出现出现了，这些虚拟资产现在被视为投资产品，政府和中央银行已经开始尝试将这些数字货币应用于我们的日常生活。我正在考虑制作政府保证的硬币。

This is CBDC (Central Bank Digital Currency), the main character in today's report. It's a digital currency issued by the central bank of the country. The Bank of Korea, which is responsible for our country's monetary policy, has also been working hard on this coin. And finally, the CBDC use test began on the 1st of this month for the general public.

这是CBDC（中央银行数字货币），这是当今报告的主要角色。这是该国中央银行发行的数字货币。负责我们国家的货币政策的韩国银行也一直在为这枚硬币努力。最后，CBDC使用测试于本月1月1日开始为公众。

The media and the financial community are paying close attention to the experiment, which will run until June 30 under the name Project Han River. It is a large-scale experiment in which 100,000 people will participate, and the era of digital currency may open soon depending on the test results.

媒体和金融界正在密切关注该实验，该实验将于6月30日以Han River的名称进行。这是一个大规模的实验，将有100,000人参加，数字货币时代可能会根据测试结果即将开放。

What is CBDC? It's the national official currency (legal currency) like Korean won or U.S. dollar, but it is a digital currency that does not print paper money or coins. The issuance of CBDC means that the Bank of Korea creates virtual assets like bitcoin in Korea and the Federal Reserve System (Fed) in the United States.

什么是CBDC？这是像韩国赢家或美元之类的全国官方货币（法定货币），但它是一种数字货币，不打印纸币或硬币。 CBDC的发行意味着韩国银行在韩国创建了虚拟资产和美国的美联储系统（FED）。

CBDC is similar to existing virtual assets in that advanced technologies such as blockchain are applied, but the value is set, so market price fluctuations do not occur like Bitcoin. Since the government guarantees it, even digital currency is no different from actual paper money. In fact, there are fewer and fewer cases of using paper money and coins. So instead of printing less real money, CBDC can complement its role, and in the distant future, only CBDC can be used.

CBDC与现有的虚拟资产相似，因为应用了高级技术，例如区块链，但设定了该价值，因此市场价格波动不会像比特币那样发生。由于政府保证了这一点，即使是数字货币也与实际的纸币没有什么不同。实际上，使用纸币和硬币的情况越来越少。因此，CBDC无需打印少的钱，而是可以补充其角色，在遥远的将来，只能使用CBDC。

Even if CBDC is introduced in earnest, the lives of ordinary consumers will not suddenly change significantly. Credit cards are already more widely used than cash, and mobile payment services such as 'OO Pay' have become more common.

即使认真引入了CBDC，普通消费者的生活也不会突然改变。信用卡已经比现金更广泛地使用了，而移动支付服务（例如“ OO Pay”）变得更加普遍。

However, there is a big difference at the national level. This is because it can reduce the cost of the money exchange transaction itself. It may vary slightly depending on how each country develops CBDC, but it is advantageous to reduce costs and maintain security because it basically uses technologies such as blockchain. It operates safely without multiple institutions or complex paperwork for payment processing. The fee is also expected to be much cheaper.

但是，国家一级有很大的不同。这是因为它可以降低货币兑换本身的成本。它可能会因每个国家如何发展CBDC而略有不同，但是降低成本并保持安全性是有利的，因为它基本上使用了区块链等技术。它可以安全地运行，没有多个机构或复杂的文书工作来进行付款处理。预计费用还会便宜得多。

For example, there is no need to go through various financial institutions when the government pays subsidies to the people or when the people pay taxes to the government. It's safe to just send it from our electronic wallet with CBDC to the government wallet. This makes it much easier for central banks to use policies to control the amount of money in the market, and it also makes it easier to crack down on tax evasion or illegal transactions. In most transactions where money comes and goes, efficiency is greatly improved. Of course, you can also save a lot of money printing and managing real money.

例如，当政府向人民支付补贴或人民向政府缴税时，无需通过各种金融机构。可以安全地将其从我们的电子钱包和CBDC发送到政府钱包。这使得中央银行使用政策来控制市场中的资金数量变得容易得多，这也使打击逃税或非法交易变得更加容易。在大多数钱来往来的交易中，效率大大提高。当然，您还可以节省大量的金钱印刷和管理真实资金。

If CBDCs are used very actively, it could take away a lot of the role of banks in the extreme. However, in the case of CBDC tested by the Bank of Korea this time, it is a "CBDC for institutions" used only by financial institutions without reducing the role of banks.

如果CBDC非常积极地使用，它可能会消除银行在极端中的许多作用。但是，在这次由韩国银行测试的CBDC的情况下，它是金融机构使用的“ CBDC”，而无需降低银行的作用。

As explained earlier, if the CBDC that everyone uses on a daily basis is 'universal', the test this time is 'institutional'. It means that the Bank of Korea and domestic banks exchange necessary funds with each other in the institutional payment network, and apply CBDC only here.

如前所述，如果每个人每天使用的CBDC都是“通用”，那么这次的测试是“机构”。这意味着韩国和国内银行在机构支付网络中彼此交换必要的资金，仅在此处申请CBDC。

Of course, individuals can also enjoy the benefits of CBDC indirectly. You don't have a CBDC directly, but you can use a 'deposit token' linked to an institutional CBDC. A deposit token is a digital currency issued by commercial banks with CBDC as collateral. CBDC itself is used only by financial institutions and does not release it to consumers, but banks reissue tokens secured by CBDC so that consumers can use them indirectly. Deposit tokens are made to be used like regular bank deposits. It is said that remittances and deposits were made as easy as possible to use by consumers by making them like existing deposits.

当然，个人也可以间接享受CBDC的好处。您没有直接的CBDC，但是可以使用与机构CBDC相关的“存款令牌”。存款令牌是商业银行以CBDC作为抵押品发行的数字货币。 CBDC本身仅由金融机构使用，并且不会将其释放给消费者，但是银行重新发行了CBDC保护的代币，以便消费者可以间接使用它们。存款令牌像常规银行存款一样使用。据说，通过使其像现有存款一样使汇款和存款使消费者尽可能容易地使用。

Seven domestic banks (KB Kookmin, Shinhan, Hana, Woori, NH Nonghyup, IBK Company, and BNK Busan) will participate in this experiment. Citizens over the age of 19 who have an occasional deposit account in each bank can apply to participate through the bank's mobile app. Up to 100,000 people will participate in the test when all the people assigned to each bank are combined.

七家国内银行（KB Kookmin，Shinhan，Hana，Woori，NH Nonghyup，IBK Company和BNK Busan）将参加这项实验。在每家银行偶尔有存款帐户的19岁以上的公民可以申请通过银行的移动应用程序参与。当将所有分配给每个银行的人合并时，最多将有100,000人参加测试。

From the 1st of this month, participants can convert deposits in their accounts into deposit tokens up to 1 million won at a time and store them in their electronic wallets, and use them at more than 20,000 places such as convenience stores, cafes, bookstores, marts, and

从本月1日起，参与者可以将其帐户中的存款转换为最高100万韩元的存款代币，并将其存储在其电子钱包中，并在20,000多个地方使用它们，例如便利店，咖啡馆，书店，Marts和Marts和