香港、加拿大和澳大利亚更新其 CBDC 计划

香港启动了央行数字货币（CBDC）试点的第二阶段，将其范围从零售港元扩展到包括代币化存款。

Hong Kong has expanded its central bank digital currency (CBDC) pilot to include tokenized deposits, moving beyond the digital Hong Kong dollar. Meanwhile, Canada and Australia are shifting their focus away from retail CBDCs, with the former scaling down its work and the latter prioritizing a wholesale digital currency.

香港已扩大其中央银行数字货币（CBDC）试点范围，将代币化存款纳入其中，而不仅仅是数字港元。与此同时，加拿大和澳大利亚正在将重点从零售 CBDC 转移，前者缩减其工作，后者优先考虑批发数字货币。

Hong Kong launches e-HKD+ Phase 2 Commences

香港推出e-HKD+第二阶段开始

The Hong Kong Monetary Authority (HKMA) has announced the commencement of Phase 2 of its CBDC project, which will now be known as e-HKD+. This phase expands the scope of the project beyond the digital Hong Kong dollar (e-HKD) to incorporate tokenized deposits.

香港金融管理局（HKMA）宣布启动其 CBDC 项目第二阶段，该项目现称为 e-HKD+。此阶段将项目范围扩大到数字港元（e-HKD）之外，纳入代币化存款。

The first phase of the CBDC pilot, which was launched in May 2023, involved 16 global firms and focused on programmable and offline payments and settlements of tokenized assets. The HKMA did not commit to issuing the CBDC to retail users at the time, a point that chief executive Eddie Yue has repeatedly emphasized.

CBDC 试点第一阶段于 2023 年 5 月启动，涉及 16 家全球公司，重点关注代币化资产的可编程和离线支付和结算。金管局当时并未承诺向零售用户发行 CBDC，行政长官余伟文多次强调这一点。

The HKMA is approaching the project as an all-encompassing digital money ecosystem with the launch of Phase 2. Hang Seng Bank (NASDAQ:HSNGF) and the Boston Consulting Group are examining the settlement of tokenized funds using digital money on a public blockchain as part of the expanded pilot on tokenized assets. Meanwhile, HSBC (NASDAQ:HSBC) will investigate the use of permissioned blockchains.

随着第二阶段的启动，金管局正在将该项目视为一个全方位的数字货币生态系统。恒生银行（纳斯达克股票代码：HSNGF）和波士顿咨询集团正在研究在公共区块链上使用数字货币进行代币化基金的结算，作为一部分代币化资产扩大试点。与此同时，汇丰银行（纳斯达克股票代码：HSBC）将调查许可区块链的使用。

The HKMA has enlisted foreign banks such as the Bank of China (NASDAQ:BACHY), Singapore’s DBS, and the China Construction Bank (NASDAQ:CICHY) to explore the use of smart contracts in dedicated fund mechanisms and prepayment instances under programmability. Notably, DBS will test the use of digital money to create a scalable Environmental, Social, and Governance (ESG) reward platform.

金管局已邀请中国银行（纳斯达克股票代码：BACHY）、新加坡星展银行和中国建设银行（纳斯达克股票代码：CICHY）等外资银行探索在可编程性下的专用资金机制和预付款实例中使用智能合约。值得注意的是，星展银行将测试使用数字货币来创建可扩展的环境、社会和治理（ESG）奖励平台。

The Bank of Communications and China Mobile have joined the pilot to investigate the use of a CBDC stored in a mobile SIM card for offline payments.

交通银行和中国移动已加入试点，研究使用存储在移动SIM卡中的CBDC进行线下支付。

“Project e-HKD+ signifies the HKMA's commitment to digital money innovation. The HKMA will continue to adopt a use-case-driven approach in its exploration of digital money. We look forward to working closely with industry participants in Phase 2 to co-create various innovative use cases,” said Yue.

“e-HKD+项目标志着金管局对数字货币创新的承诺。金管局将继续采用用例驱动的方法探索数字货币。我们期待在第二阶段与行业参与者密切合作，共同创建各种创新用例。”Yue 说道。

The HKMA will use the findings from the second phase of the CBDC pilot to inform its design, implementation, and operation choices for a digital money ecosystem that accommodates both public and private money.

金管局将利用 CBDC 试点第二阶段的结果，为容纳公共和私人资金的数字货币生态系统的设计、实施和运营选择提供参考。

To expedite development for the participating firms, the central bank plans to establish an e-HKD+ sandbox. This will be a separate project from the existing stablecoin sandbox, which was launched a month ago and includes Standard Chartered (NASDAQ:SCBFF) and Chinese online retailer JD.com (NASDAQ:JD).

为加快参与企业的发展，央行计划建立e-HKD+沙箱。这将是一个独立于现有稳定币沙箱的项目，该沙箱于一个月前启动，成员包括渣打银行（纳斯达克股票代码：SCBFF）和中国在线零售商京东（纳斯达克股票代码：JD）。

Canada, Australia Shift Away from Retail CBDCs

加拿大和澳大利亚放弃零售 CBDC

Some leading economies have announced a shift away from retail CBDCs elsewhere. Canada's central bank is scaling down its CBDC work to concentrate on the broader payments ecosystem, while Australia is looking into a wholesale digital currency.

一些主要经济体已宣布在其他地方放弃零售 CBDC。加拿大央行正在缩减其 CBDC 工作，以专注于更广泛的支付生态系统，而澳大利亚正在研究批发数字货币。

The Bank of Canada announced the shift, stating that it is “scaling down its work on a retail central bank digital currency and shifting its focus to broader payments system research and policy development.”

加拿大央行宣布了这一转变，称其“正在缩减零售央行数字货币的工作规模，并将重点转向更广泛的支付系统研究和政策制定”。

The bank did not explicitly state whether it had completely abandoned its CBDC work, which began in 2017. However, the Canadian Broadcasting Corporation (CBC) reported that the retail digital Loonie had been abandoned.

该银行没有明确说明是否已完全放弃自 2017 年开始的 CBDC 工作。不过，加拿大广播公司 (CBC) 报道称，零售数字加元已被放弃。

The Bank of Canada promised to “continue to monitor global retail CBDC developments and publish some related research.” However, its main goal will be to ensure that Canadians have access to low-cost, efficient, fast, and secure payments.

加拿大央行承诺“继续监控全球零售 CBDC 的发展并发布一些相关研究”。然而，其主要目标是确保加拿大人能够获得低成本、高效、快速和安全的支付服务。

Australia has also announced a shift away from a retail AUD. Speaking at a recent event, Reserve Bank of Australia’s (RBA) assistant governor Brad Jones revealed that the central bank believes there’s more value in a wholesale digital currency.

澳大利亚还宣布放弃零售澳元。澳大利亚储备银行（RBA）助理行长布拉德·琼斯在最近的一次活动中透露，央行相信批发数字货币具有更大的价值。

“…I can confirm that the RBA is making a strategic commitment to prioritise its work agenda on wholesale digital money and infrastructure – including wholesale CBDC – rather than retail CBDC,” Jones told attendees of the Intersekt Conference in Melbourne.

“……我可以确认，澳大利亚央行正在做出战略承诺，优先考虑批发数字货币和基础设施（包括批发 CBDC）的工作议程，而不是零售 CBDC，”琼斯告诉墨尔本 Intersekt 会议的与会者。

A retail CBDC, according to the RBA, presents more difficult challenges and has less potential impact on the Australian economy. A wholesale CBDC would be more evolutionary than revolutionary, making it easier for commercial banks and payments firms to adopt, Jones added.

澳大利亚央行表示，零售 CBDC 带来了更困难的挑战，并且对澳大利亚经济的潜在影响较小。琼斯补充说，批发 CBDC 更具进化性，而不是革命性，使商业银行和支付公司更容易采用。

The move by Canada and Australia aligns with a broader global trend away from retail CBDCs. In recent months, central banks in Italy, Germany, Taiwan, and England have all expanded wholesale CBDC projects at the expense of retail alternatives.

加拿大和澳大利亚的举动符合远离零售 CBDC 的更广泛的全球趋势。近几个月来，意大利、德国、台湾和英国的央行都以牺牲零售替代品为代价扩大了批发 CBDC 项目。

This shift was also confirmed by a June report from the Bank for International Settlements (BIS), which found that 81% of advanced economies conducted pilots on wholesale CBDCs, while only 27% explored retail CBDCs.

国际清算银行 (BIS) 6 月份的一份报告也证实了这一转变，该报告发现 81% 的发达经济体进行了批发 CBDC 试点，而只有 27% 的发达经济体探索零售 CBDC。