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瑞士央行正探索合成CBDC

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2025-03-22 05:46:59

瑞士央行率先试点批发央行数字货币(wCBDC)


3月22日,据ledgerinsights报道,瑞士国家银行(SNB)在数字金融领域迈出重要一步,率先推出批发央行数字货币(wCBDC)试点项目。这一创新举措将用于结算SIX数字交易所(SDX)上的代币化证券交易,标志着瑞士在央行数字货币领域的领先地位。



瑞士央行年度报告揭示数字货币探索新进展


在最新发布的年度报告中,瑞士央行详细阐述了其在数字货币领域的多项探索性工作。除了wCBDC试点外,报告还重点介绍了对合成CBDC的研究进展。合成CBDC是一种由央行资金支持的私人代币化货币,被视为传统金融与区块链技术融合的重要尝试。



DLT结算的三大探索方向


瑞士央行正在评估三种基于分布式账本技术(DLT)的结算方案:


1. 代币化私人货币:由央行资金支持的创新支付工具


2. 批发CBDC(wCBDC):面向金融机构的数字货币解决方案


3. SIC支付系统与DLT系统的互联:已在Project Helvetia项目中成功测试



审慎推进的监管态度


值得注意的是,瑞士央行强调目前尚未承诺发行永久性wCBDC,也未对任何特定解决方案表现出倾向性。这种审慎态度体现了央行在创新与风险管理之间的平衡考量。



对投资者的潜在影响


1. 投资机会:数字货币领域的创新为投资者带来新的资产配置选择


2. 市场效率:更高效的结算系统可能降低交易成本,提升市场流动性


3. 风险管理:需要关注监管政策变化带来的市场波动风险


4. 技术风险:新兴技术的应用可能带来新的操作风险


5. 合规要求:投资者需密切关注相关法规的更新和调整

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