数字支付摊牌：如果银行落后，英国央行将推出 CBDC

英格兰银行 (BOE) 行长安德鲁·贝利 (Andrew Bailey) 周六在华盛顿举行的三十国集团年度国际银行研讨会上发表讲话，分享了他对数字支付发展的展望

The Bank of England (BOE) might introduce a digital currency if commercial banks fail to drive innovation in retail payments, according to BOE Governor Andrew Bailey.

英国央行行长安德鲁·贝利表示，如果商业银行未能推动零售支付创新，英国央行可能会推出数字货币。

Speaking at the Group of Thirty’s Annual International Banking Seminar in Washington on Saturday, Bailey highlighted the need for updates in cross-border and wholesale payments. He suggested that digital technology could make these payments more efficient, less costly, and more transparent.

周六，贝利在华盛顿举行的三十国集团年度国际银行研讨会上发表讲话，强调需要更新跨境和批发支付。他建议数字技术可以使这些支付更加高效、成本更低且更加透明。

The central bank governor said that commercial banks are best placed to drive innovation in retail payments, but a central bank digital currency (CBDC) might be required if they fall behind.

这位央行行长表示，商业银行最有能力推动零售支付创新，但如果它们落后，可能需要央行数字货币（CBDC）。

“If for some reason innovation is unlikely to happen, then the central banks have to decide whether they are the only game in town,” Bailey said. “For me, this justifies why we must continue to prepare for retail CBDC. We have not yet seen enough evidence that the innovation will happen in commercial banks.”

贝利表示：“如果由于某种原因创新不太可能发生，那么央行必须决定它们是否是唯一的游戏。” “对我来说，这证明了我们必须继续为零售 CBDC 做好准备。我们还没有看到足够的证据表明商业银行将发生创新。”

“As central banks, we should be thoroughly engaged to encourage, and if necessary, provide such innovation – but there is no good reason to be proprietorial on this,” he added.

他补充说：“作为央行，我们应该全力鼓励并在必要时提供此类创新，但没有充分的理由对此保持专制。”

The BOE is closely tracking developments in payment technologies and user preferences, Bailey said.

贝利表示，英国央行正在密切跟踪支付技术和用户偏好的发展。

“For commercial bank money to function effectively, it must keep pace with the needs of its users,” he said. “Our work on retail CBDC is considering these trends in the payments landscape closely. Absent innovation in commercial bank money, central banks may be left as the only game in town insofar as retail payments innovation is concerned.”

“商业银行的资金要有效发挥作用，就必须跟上用户的需求，”他说。 “我们在零售 CBDC 方面的工作正在密切考虑支付领域的这些趋势。如果商业银行货币缺乏创新，就零售支付创新而言，央行可能会成为唯一的游戏。”

“That is not my preferred outcome, but not one that we should rule out,” Bailey added.

“这不是我想要的结果，但我们也不应该排除这一结果，”贝利补充道。