Chiratidzo cheDigital Euro
Mari inogona kuiswa mumhando mbiri: Central Bank mari uye Private money. Mari yeCentral Bank inoreva mari chaiyo yakapihwa neEuropean Central Bank (ECB) nenzira yemabhangi nemari. Parizvino rudzi rwega rwemari yeruzhinji inowanikwa kune veruzhinji uye inogona kutorwa se "mari yeruzhinji." Mari yega yega, kune rumwe rutivi, inogadzirwa nemabhangi ekutengeserana, akadai sezvikwereti, madhipoziti, uye masavings balances. Debit uye makadhi echikwereti, pamwe chete nemamwe masevhisi ekubhadhara epamhepo, anofambisa kuendesa mari yakavanzika.
Mari yeruzhinji neyakavanzika yakabatana, nemari yeveruzhinji inoshanda sesimba rekudzikamisa mari yakazvimirira uye kuwedzera kuvimbana mumabhanga ekutengesa. Mari yega yega inogona kushandurwa kuita mari yeruzhinji uye neimwe nzira, sezvo kune chivimbo chokuti kukosha kwemari kunoramba kwakagadzikana.
Kubatanidza Mari Yeruzhinji uye Yakavanzika neiyo Digital Euro
A Central Bank Digital Currency (CBDC) inoita kuti bhanga repakati riite buritsa mari yeruzhinji muchimiro chemagetsi chinowanikwa nemunhu wese. Izvi zvaizobatsirana nemari semari yeveruzhinji, asi nemusiyano wakakosha wekuti inotsigirwa nebhanga guru renyika. Iyo Central Bank haifanirwe kutarisana nekubhuroka sezvo iri iyo inoburitsa mari zviri pamutemo, iyo mabhanga anovimba nayo kushandura matura avo edhijitari. Nepo mabhanga ekutengesa achigona kupera mari, iyo digitaalinen Euro inovimbisa kuti vashandisi vanogona kuita kutengeserana nenzira yavanofarira yekubhadhara yedhijitari vachidzivirira dambudziko rezvemari.
Iyo CBDC yaizofambisa hunyanzvi hwemari nekuvandudza hurongwa hwekubhadhara nehukuru kuwanikwa, kuchengetedzeka, kushanda zvakanaka, kuvanzika, uye kutevedzera mutemo, zvese zvakakosha mukukura kwehupfumi. Izvi zvaizosimbisa basa remari yeruzhinji sechitsigiro chekuvimba kwemari mukati mehupfumi.
Iko kukosha kweDigital Euro
Iyo ECB's CBDC yakavakirwa pa blockchain tekinoroji, inobvumira kutengeserana kwevezera-kune-vezera kuburikidza nehunyanzvi zvibvumirano. Iko kushandiswa kweakagoverwa ledger tekinoroji inogonesa vashandisi kuchengetedza yavo CBDC muchikwama chedhijitari, kufambisa otomatiki uye programmability yemari. Pamusoro pezvo, tekinoroji ye blockchain inobatsira kudzikisa mutengo wekutengesa, izvo zvinozodzikisa chipingamupinyi chevashandisi kupinda munzvimbo ye crypto, ichikurudzira kuvimba kukuru mu blockchain masisitimu.
Pamusoro pezvo, kukurumidza kufambira mberi kwehunyanzvi hwemari kwakaita kuti zvive zvakakosha kuti mari yeveruzhinji irambe yakatsiga pazvinetso zvinounzwa neimwe nzira dzisina kudzorwa senge cryptocurrencies. CBDCs inopa yakawanda yakasimba mari yeruzhinji kuburikidza neyakagoverwa ledger system, zvichienzaniswa nekugadzirwa kwezvino.
Kunetsekana kuripowo pamusoro pekugona kubuda kwemari kubva kumari yeruzhinji kuenda kune dzimwe mari dzedhijitari, izvo zvinogona kukanganisa matura anowanikwa kumabhanga ekutengesa uye kuisa njodzi kugadzikana kwemari.
Mhedzisiro yeDigital Euro paEU's Financial Systems
Kuunzwa kwedhijitari Euro kunogona kukanganisa kupindirana kwemari nekupa veruzhinji imwe nzira yekubhadhara yechinyakare kubhanga. Zvinogonawo kukonzera kuwedzera mari kubva kumabhanga ekutengeserana kuenda kumabhanga makuru pamitengo inoyevedza. Zvakadaro, pane kutyira kuti shanduko iyi inogona kudzikisira kuwanikwa kwechikwereti muhupfumi chaihwo, sezvo mabhanga ekutengeserana angave aine mari shoma yekukweretesa uye purofiti yakaderera. Izvi zvinogona kumanikidza mabhanga kukwidza mari yechikwereti.
Panguva yedambudziko remari, iyo digitaalinen Euro inopa yakagadzikana yedhijitari isina muganho wepamusoro, zvingangokurudzira vanoisa mari kuti vatore mari kubva kumabhangi ezvokutengeserana uye vashandure muCBDC kana pasina hurongwa hwekugadzirisa kubata bhangi redhijitari.
Uyezve, iyo digitaalinen Euro inogona kukwezva vashandisi kubva kunze kweEU, ichipa mhinduro dzekubhadhara kuyambuka. Izvi zvinogonesa kukurumidza uye nyore mari yekutumira. Nekudaro, matanho angada kuitwa kudzivirira iyo yedhijitari Euro kubva pakuita fungidziro yekudyara mari, sezvo izvi zvichigona kukanganisa hurongwa hwemari hwenyika.
Mutungamiri weECB ane tarisiro nezveramangwana reCBDC, sezvo mabhanga ekutengesa ari kuwedzera kutora tekinoroji yedhijitari. Komisheni yeEU inotarisirwa kupa mari yedhijitari kana kuferefetwa kwayo kwapera.
