Xiao Lei: I personally predict that the central bank's digital currency may be difficult to achieve the expected effect

财经作家肖磊今日发文认为,从现有的信息看,央行数字货币无论设计的目标有多少个,其实最终就是一个消灭现金的过程,但问题是,不做数字货币,现金也会逐步消失的,这是一个历史大趋势。中国市场的去现金化,速度会越来越快,而央行支付结算司副司长穆长春也说了,对老百姓来讲,基本的支付功能在电子支付和央行数字货币之间的界限实际上是相对模糊的。央行数字货币,主要想用于小额零售场景,不对存款产生挤出效应,能避免“余额宝”式的存款搬家,要给不同级别钱包设定交易限额和余额限额。另外,肖磊还认为,中国央行在设计官方数字货币方面,绝不能因小失大,如果天天盯着、防着国内民众,恐怕效果会适得其反,未来民众将更加会千方百计的去换libra、摩根大通币、沃尔玛币等美元稳定币,而不是中国官方数字货币。
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