欧洲数字欧元报告.docx

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1、ContentsForeword2Executivesummary31Introduction62Reasonstoissueadigitaleuro–possiblescenariosandimpliedrequirements92.1Scenariosrelatedtocorecentralbankfunctions92.2ScenariosrelatedtothebroaderobjectivesoftheEU143Potentialeffectsofadigitaleuroandimpliedrequirements164Legalconsideration

2、sregardingadigitaleuro245Digitaleurofunctionaldesignpossibilities265.1Keydimensionsoffunctionalspecifications265.2Possiblecoexistenceoftypesofdigitaleuro346Technicalandorganisationalapproachestodigitaleuroservices366.1Back-endinfrastructure366.2End-useraccesssolutions416.3Interfacingbe

3、tweendigitaleurousersandthecentralbankinfrastructure437Follow-upwork457.1Operationalconsiderations457.2Institutionalframework46Annex1:Digitaleurocharacteristicsidentifiedinthereport48Annex2:Thedigitaleuroisnotacrypto-assetor‘stablecoin’50Annex3:Wholesaleapplicationofadistributedinfrast

4、ructure52ForewordAkeypartoftheEurosystem’smissionistoprovidecitizenswithrisklessmoneyfortheirpayments;theEurosystemhasbeenprovidingeurobanknotesfornearlytwodecades.Whilecashisstillthedominantmeansofpayment,newtechnologiesandtheincreasingdemandforimmediacyfromconsumersarechangingthewayE

5、uropeancitizenspay.Thisisevidentintheexpandingroleoffastelectronicpayments.Toensurethatconsumerscontinuetohaveunfetteredaccesstocentralbankmoneyinawaythatmeetstheirneedsinthedigitalage,theECB’sGoverningCouncildecidedtoadvanceworkonthepossibleissuanceofadigitaleuro–anelectronicformofcen

6、tralbankmoneyaccessibletoallcitizensandfirms.Adigitaleurowouldbeintroducedalongsidecash,itwouldnotreplaceit.Adigitaleurowouldcreatesynergieswithprivatepaymentsolutionsandcontributetoamoreinnovative,competitiveandresilientEuropeanpaymentsystem.ByservingasaunifyingforceinEurope’sdigitale

7、conomies,adigitaleurowouldalsobeanemblemoftheongoingprocessofEuropeanintegration.Itistooearlytocommittoaspecificdesignofadigitaleuro.Butitisclearthatanytypeofdesignmustfulfilanumberofprinciplesandrequirementsidentifiedinthisreport–includingaccessibility,robustness,safety,efficiencyan