Số 218 | Tháng 5/2024
Tiền kỹ thuật số của ngân hàng trung ương: Góc nhìn từ phân tích cơ hội và thách thức
Đào Lê Kiều Oanh
Tóm tắt:
Nghiên cứu này tập trung vào khát quát về tiền kỹ thuật số của ngân hàng trung ương (CBDC) cũng như những cơ hội và thách thức khi ngân hàng trung ương (NHTW) phát hành loại tiền này. Tác giả sử dụng phương pháp nghiên cứu định tính để trình bày tác động của CBDC đối với hệ thống ngân hàng truyền thống, hoạt động tài chính, tiền tệ, quyền riêng tư, chính sách tiền tệ cũng như những cơ hội và thách thức đặt ra khi phát triển CBDC. Từ kết quả nghiên cứu, tác giả hàm ý một số chính sách cho Việt Nam, cụ thể là các cơ quan tài chính, Ngân hàng Nhà nước, tổ chức tài chính phải hợp tác chặt chẽ khi thảo luận và triển khai CBDC để đảm bảo an toàn và hiệu quả. Đảm bảo tính bảo mật và sử dụng CBDC trong quản lý CBDC là rất quan trọng và cần phải xem xét cẩn thận về khả năng tương thích, quản lý rủi ro, quyền riêng tư và bảo vệ dữ liệu. Sự hợp tác và nghiên cứu liên tục về CBDC là rất quan trọng để đảm bảo tính bền vững và an toàn của hệ thống tài chính toàn cầu.
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Central Bank Digital Currency: Perspective from Analysis of Opportunities and Challenges
Abstract:
This research article focuses on an overview of central bank digital currency (CBDC) and its opportunities and challenges. The author uses qualitative research methods to present its effects on the traditional banking system, financial activities, currency, privacy, monetary policy, and the opportunities and challenges posed when developing CBDCs. From the research results, the implication for Vietnam is that financial agencies, state banks, and financial institutions must cooperate closely when discussing and implementing CBDC to ensure safety and efficiency. Ensuring the security and use of CBDC in CBDC management is critical and requires careful consideration of compatibility, risk management, privacy, and data protection. Continuous collaboration and research on CBDC is crucial to ensuring the sustainability and safety of the global financial system.