2022年中央银行数字货币和加密货币调查结果（英）-32页_686kb

Global progress in central bank digital currency (CBDC) development, based on the 2022 BIS survey:

• 93% of surveyed central banks are engaged in CBDC work, with half conducting experiments or pilots.
• Retail CBDCs are more advanced than wholesale; 24% of central banks are piloting retail CBDCs.
• EMDEs lead in CBDC work due to current live examples and higher pilot rates.
• Key motivations for retail CBDCs include financial inclusion and payments efficiency; for wholesale, cross-border payments.
• Crypto market turbulence in 2022 accelerated CBDC interest, with about 60% of central banks citing this as a driver.
• 80% of central banks believe both retail CBDCs and fast payment systems (FPS) can coexist, enhancing payments and inclusion.
• Legal authority for issuance is lacking for many (26% have it), with significant variation by region.
• Future projections suggest 15 retail CBDCs by 2030; willingness to issue increased for both retail (18% short-term likelihood) and wholesale CBDCs.
• Cryptoassets and stablecoins show niche use for payments, mainly remittances, while regulatory efforts strengthen global cooperation.

This divergence and collaboration highlight central banks' cautious yet progressive approach to digital currency innovation.