2021-09-30-国际治理创新中心-加拿大和货币数字化（英）_20页_766kb

报告摘要

Digitalization of money, driven by innovation and competition, offers benefits such as lower transaction costs, increased efficiency in payments, and new services like programmable contracts, which can enhance financial inclusion.
Canada must accelerate its efforts to keep pace with global trends, focusing on priorities like modernizing the payments system (e.g., Lynx and Real-Time Rail), implementing open banking, updating privacy legislation (e.g., Bill C-11), and developing a digital ID framework.
Central Bank Digital Currencies (CBDCs) are under exploration but not yet committed; they could support monetary stability, financial inclusion, and competition, but require careful assessment of their roles in wholesale and retail markets, with risks including market disruption and safeguarding user privacy.
A collaborative approach involving public and private sectors is essential, with government leadership to harmonize federal-provincial policies, promote interoperability, and mitigate risks through mechanisms like regulatory sandboxes.
Moving forward requires an integrated agenda, faster progress on enablers, and international cooperation to ensure Canada's competitiveness, sovereignty, and alignment with global standards in digital finance.

Date: August 25, 2021.
Event: Virtual workshop examining digital payment innovations and the digitalization of money in Canada.
Key Themes: Benefits of digitalization, priorities for policy, roles of public/private actors, CBDC potential, and the need for collective action.