瑞士国家银行（SNB）对加密资产保持谨慎态度，理由是其局限性和波动性

瑞士国家银行（SNB）对加密资产保持谨慎态度，理由是其局限性和波动性。

The Swiss National Bank (SNB) remains cautious toward crypto assets, citing their limitations and volatility.

瑞士国家银行（SNB）对加密资产保持谨慎态度，理由是其局限性和波动性。

According to a Reuters report, SNB Chairman Martin Schlegel highlighted the challenges that digital assets like Bitcoin and Ether pose as payment methods. Despite the growth in digital currencies, Schlegel said they remain a minor factor in the larger financial picture.

据路透社报道，瑞士央行主席马丁·施莱格尔强调了比特币和以太币等数字资产作为支付方式带来的挑战。施莱格尔表示，尽管数字货币有所增长，但它们在更大的金融格局中仍然是次要因素。

As digital currencies gain popularity and value, Schlegel pointed to their volatility as a barrier to adoption for daily transactions. He noted the fluctuating crypto values make them impractical as stable payment tools.

随着数字货币的普及和价值的提高，施莱格尔指出，其波动性是日常交易采用的障碍。他指出，波动的加密货币价值使其作为稳定的支付工具不切实际。

Moreover, Schlegel expressed concerns on energy demands of cryptocurrency operations, an issue that has been increasingly scrutinized worldwide as digital currency mining requires large amounts of electricity. He added that cryptocurrencies have been associated with illicit activities and remain challenging to regulate.

此外，施莱格尔还对加密货币运营的能源需求表示担忧，由于数字货币挖矿需要大量电力，这一问题在全球范围内受到越来越多的关注。他补充说，加密货币与非法活动有关，并且仍然难以监管。

Highlighting the SNB's approach to financial technology innovations, Schlegel noted that the central bank is not resistant to technological advances in the financial sector. He shared details of a pilot program that is exploring the use of a central bank digital currency (CBDC) to ease interbank payments. The CBDC initiative aims to streamline transactions between financial institutions, enhancing efficiency and security in Switzerland’s financial systems.

施莱格尔强调了瑞士央行的金融技术创新方法，并指出央行并不抵制金融领域的技术进步。他分享了一个试点计划的细节，该计划正在探索使用央行数字货币（CBDC）来缓解银行间支付。 CBDC 计划旨在简化金融机构之间的交易，提高瑞士金融系统的效率和安全性。

Despite the expansion of digital payment systems, the SNB continues to support physical cash as a core element of Switzerland’s payment system. More than 90% of Swiss residents, Schlegel noted, still want access to physical money. In line with this, the SNB revealed plans for a new series of banknotes, “Switzerland and its altitudes,” which is expected to launch in the early 2030s. The upcoming series will honor various Swiss regions, from valleys to high mountain ranges.

尽管数字支付系统不断扩展，瑞士央行仍继续支持实物现金作为瑞士支付系统的核心要素。施莱格尔指出，超过 90% 的瑞士居民仍然希望获得实物货币。与此同时，瑞士央行公布了新系列纸币“瑞士及其海拔”的计划，预计将于 2030 年代初发行。即将推出的系列将向瑞士各个地区致敬，从山谷到高山。

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