新西兰通过四阶段CBDC计划开始数字货币探索

新西兰央行 (RBNZ) 宣布打算探索发行央行数字货币 (CBDC)，并计划于 2023 年进行试点。此举表明该国有兴趣阻止使用比特币和其他去中心化加密货币。

New Zealand Embarks on Digital Currency Explorations: Central Bank Unveils Four-Stage Plan for Issuance

新西兰开启数字货币探索：央行公布四阶段发行计划

Wellington, New Zealand - New Zealand's central bank, the Reserve Bank of New Zealand (RBNZ), has embarked on a comprehensive exploration of digital currency issuance, signaling a significant step towards integrating digital currencies into its financial system. This move underscores the nation's recognition of the transformative potential of digital currencies and its commitment to shaping their future within its borders.

新西兰惠灵顿 - 新西兰中央银行新西兰储备银行（RBNZ）已开始对数字货币发行进行全面探索，标志着将数字货币纳入其金融体系迈出了重要一步。此举突显了该国对数字货币变革潜力的认识，以及在境内塑造数字货币未来的承诺。

Digital Cash: A Retail-Centric CBDC with Cross-Border Reach

数字现金：以零售为中心的跨境 CBDC

Central to the RBNZ's plans is the introduction of a central bank digital currency (CBDC) dubbed "digital cash." This proposed CBDC would primarily target retail users, enabling seamless purchases and payments. However, its design also accommodates corporate transactions, providing flexibility for a wide range of economic activities. Notably, digital cash will not cater to wholesale financial operations, but it will be permissible for cross-border payments, acknowledging its potential utility in an increasingly globalized economy.

新西兰联储计划的核心是推出一种被称为“数字现金”的央行数字货币（CBDC）。该拟议的 CBDC 将主要针对零售用户，实现无缝购买和支付。然而，其设计也适应企业交易，为广泛的经济活动提供灵活性。值得注意的是，数字现金不会满足批发金融业务的需求，但它可以用于跨境支付，承认其在日益全球化的经济中的潜在效用。

Four-Stage Issuance Plan: A Phased Approach to Rollout

四阶段发行计划：分阶段推出

The RBNZ has meticulously planned the issuance of its digital cash in four distinct stages. The current phase involves extensive research and exploration of design options, complemented by ongoing public consultations. This stage is critical as it allows the RBNZ to gather valuable feedback and insights from citizens and stakeholders. The subsequent stages will involve the development, testing, and eventual rollout of digital cash, with a projected launch window between 2024 and 2030.

新西兰联储精心规划了四个不同阶段的数字现金发行。当前阶段涉及对设计方案的广泛研究和探索，并辅之以持续的公众咨询。这一阶段至关重要，因为它使新西兰联储能够从公民和利益相关者那里收集宝贵的反馈和见解。后续阶段将涉及数字现金的开发、测试和最终推出，预计推出时间为 2024 年至 2030 年。

Coexistence with Traditional Forms of Money: Digital Cash Integrates Seamlessly

与传统货币形式共存：数字现金无缝集成

Ian Woolford, the RBNZ's Director of Money and Cash, emphasized that digital cash is not intended to replace traditional forms of money such as bills, coins, and electronic bank account money. Instead, it is designed to coexist with these existing instruments, offering a complementary option for seamless payments and purchases. This approach ensures that individuals and businesses can choose the most suitable form of money for their specific needs and preferences.

新西兰央行货币和现金主管 Ian Woolford 强调，数字现金无意取代纸币、硬币和电子银行账户资金等传统形式的货币。相反，它旨在与这些现有工具共存，为无缝支付和购买提供补充选项。这种方法确保个人和企业可以根据自己的特定需求和偏好选择最合适的货币形式。

Beyond Innovation: Tackling Unregulated Cryptocurrencies

超越创新：应对不受监管的加密货币

The RBNZ's pursuit of a CBDC is not solely driven by a desire for monetary innovation. The central bank is also keenly aware of the potential risks associated with the proliferation of unregulated cryptocurrencies within its borders. By introducing a central bank-issued digital currency, the RBNZ aims to provide a safe and reliable alternative for citizens, while simultaneously discouraging the use of decentralized cryptocurrencies like Bitcoin.

新西兰联储对 CBDC 的追求不仅仅是出于对货币创新的渴望。央行还敏锐地意识到不受监管的加密货币在其境内扩散所带来的潜在风险。通过引入央行发行的数字货币，新西兰央行旨在为公民提供安全可靠的替代方案，同时阻止使用比特币等去中心化加密货币。

Privacy, Security, and the Evolution of Money in a Digital Age

数字时代的隐私、安全和货币演变

The introduction of a CBDC raises important questions about privacy, security, and the changing nature of money in a digital age. As digital cash becomes more prevalent in everyday transactions, these factors will play a crucial role in its adoption and functionality. The RBNZ is committed to addressing these concerns through robust security measures and transparent communication with the public.

CBDC 的引入引发了有关隐私、安全以及数字时代货币性质变化的重要问题。随着数字现金在日常交易中变得越来越普遍，这些因素将对其采用和功能发挥至关重要的作用。新西兰联储致力于通过强有力的安全措施和与公众的透明沟通来解决这些问题。

Ongoing Consultations and Public Engagement: Shaping Digital Cash for New Zealand

持续磋商和公众参与：塑造新西兰数字现金

The RBNZ has placed a strong emphasis on public consultation and engagement throughout the digital cash exploration process. Recognizing the importance of tailoring digital cash to the specific needs of New Zealand's citizens and businesses, the central bank is actively seeking feedback and input from all stakeholders. Ongoing consultations will ensure that the final design and implementation of digital cash align with the country's evolving economic and technological landscape.

新西兰联储在整个数字现金探索过程中非常重视公众咨询和参与。认识到根据新西兰公民和企业的具体需求定制数字现金的重要性，央行正在积极寻求所有利益相关者的反馈和意见。正在进行的磋商将确保数字现金的最终设计和实施符合该国不断发展的经济和技术格局。

Conclusion: A Progressive Approach to Digital Currency Integration

结论：数字货币整合的渐进方法

New Zealand's exploration of a CBDC marks a significant step in the nation's journey towards embracing digital currency technology. The RBNZ's comprehensive four-stage plan, combined with its commitment to public consultation and innovation, demonstrates a progressive approach that balances the pursuit of technological advancements with a cautious consideration of risks and implications. As digital cash evolves and its impact on the financial system becomes more apparent, New Zealand's experience will provide valuable lessons for other nations navigating the complexities of digital currency integration.

新西兰对 CBDC 的探索标志着该国在拥抱数字货币技术的道路上迈出了重要一步。新西兰联储全面的四阶段计划，加上其对公众咨询和创新的承诺，展示了一种渐进的方法，可以在追求技术进步与谨慎考虑风险和影响之间取得平衡。随着数字现金的发展及其对金融体系的影响变得越来越明显，新西兰的经验将为其他国家应对数字货币一体化的复杂性提供宝贵的经验教训。