韩国率先试验数字货币，探索未来货币框架

韩国已启动探索央行数字货币（CBDC）基础设施的试验，加入全球货币体系数字化的追求。韩国央行和金融监管机构合作启动了一项试点计划，该计划将涉及商业银行发行可通过 CBDC 网络访问的代币存款。这些试验将于本月开始，持续到明年年底，将评估批发和零售 CBDC 的影响，并包括国际清算银行（BIS）的技术指导。

South Korea Embarks on Digital Currency Trials, Exploring Future Monetary Systems

韩国开始数字货币试验，探索未来货币体系

Jakarta, October 4, 2023 - South Korea has joined the ranks of nations pioneering the exploration of central bank digital currencies (CBDCs), embarking on a comprehensive trial program to assess the technical infrastructure and potential implications of these transformative financial innovations.

雅加达，2023 年 10 月 4 日 - 韩国加入了率先探索央行数字货币 (CBDC) 的国家行列，开始实施一项全面的试验计划，以评估这些变革性金融创新的技术基础设施和潜在影响。

The Bank of Korea, in collaboration with the Financial Services Commission (FSC) and the Financial Supervisory Service (FSS), unveiled plans to launch digital currency trials by the end of the month. This groundbreaking initiative marks a significant milestone in the evolution of financial systems, seeking to evaluate the feasibility of wholesale CBDCs as the backbone of future monetary frameworks.

韩国央行与金融服务委员会（FSC）和金融监督院（FSS）合作，公布了在本月底启动数字货币试验的计划。这一突破性举措标志着金融体系发展的一个重要里程碑，旨在评估批发 CBDC 作为未来货币框架支柱的可行性。

Core to the pilot program is the participation of commercial banks in South Korea. They will issue payment instruments, in the form of token deposits, which will be accessible to the general public, private entities, and public institutions through the central bank-issued CBDC network. The platform's launch is scheduled for this month, with CBDC testing expected to continue through the end of 2024.

该试点计划的核心是韩国商业银行的参与。他们将以代币存款的形式发行支付工具，公众、私人实体和公共机构可以通过央行发行的 CBDC 网络使用这些支付工具。该平台计划于本月推出，CBDC 测试预计将持续到 2024 年底。

Beyond commercial banks, the Bank for International Settlements (BIS) will also partake in the pilot program, providing invaluable technical guidance and expertise to users.

除商业银行外，国际清算银行（BIS）也将参与试点计划，为用户提供宝贵的技术指导和专业知识。

Expansion of CBDC Exploration

扩大 CBDC 探索

South Korea's decision to include both retail and wholesale CBDCs in its pilot program represents a significant shift from its initial plans announced in 2020, which focused solely on wholesale CBDCs for interbank transfers and other wholesale transactions. This expanded scope reflects the growing recognition of the potential benefits of retail CBDCs for general public use.

韩国决定将零售和批发 CBDC 纳入其试点计划，这与其 2020 年宣布的最初计划相比发生了重大转变，该计划仅专注于用于银行间转账和其他批发交易的批发 CBDC。这种扩大的范围反映出人们越来越认识到零售 CBDC 对公众使用的潜在好处。

In July, South Korea designated three cities outside of its capital, namely Jeju, Busan, and Incheon, as the launch sites for the pilot program. While still in its early stages, this exploration is seen as a critical step in shaping the future of monetary systems.

7月，韩国指定首都以外的三个城市，即济州岛、釜山和仁川，作为试点计划的启动地点。尽管仍处于早期阶段，但这种探索被视为塑造货币体系未来的关键一步。

Global Trend towards CBDCs

CBDC 的全球趋势

The Bank of Korea's CBDC pilot program aligns with an overarching global trend of central banks embracing digital currencies as they navigate the digitalization of financial landscapes. A recent BIS survey revealed that approximately 93% of central banks worldwide are actively engaged in various CBDC-related initiatives.

韩国央行的 CBDC 试点计划符合央行在金融领域数字化过程中拥抱数字货币的全球总体趋势。 BIS 最近的一项调查显示，全球约 93% 的中央银行正在积极参与各种与 CBDC 相关的举措。

CBDC Adoption on the Horizon

CBDC 的采用即将到来

As of July, over 24 countries worldwide have set their sights on CBDC adoption by 2030, signaling a fundamental shift in the global financial landscape. Countries such as Nigeria and the Bahamas have already taken the leap, implementing digital currencies, while others, like the United States, are actively considering their introduction.

截至 7 月，全球超过 24 个国家已将目光投向 2030 年采用 CBDC，这标志着全球金融格局发生根本性转变。尼日利亚和巴哈马等国家已经迈出了一步，实施了数字货币，而美国等其他国家正在积极考虑引入数字货币。

Amid these multifaceted developments, China has emerged as a frontrunner in CBDC development, while nations like Japan and the United Kingdom continue to explore the potential implications of digital currencies in the years to come.

在这些多方面的发展中，中国已成为 CBDC 发展的领跑者，而日本和英国等国家将在未来几年继续探索数字货币的潜在影响。

Conclusion

结论

South Korea's foray into CBDC trials, with its focus on both retail and wholesale applications, serves as a testament to the transformative potential of these digital currencies. As the world moves towards a more digitalized future, central banks are actively evaluating the role of CBDCs in shaping the financial landscapes of tomorrow. The outcomes of these trials will undoubtedly influence the trajectory of monetary systems and the way we conduct financial transactions.

韩国进军 CBDC 试验，重点关注零售和批发应用，证明了这些数字货币的变革潜力。随着世界走向更加数字化的未来，各国央行正在积极评估 CBDC 在塑造未来金融格局中的作用。这些试验的结果无疑将影响货币体系的轨迹以及我们进行金融交易的方式。