国际清算银行-齐头并进——2024年国际清算银行关于央行数字货币和加密货币的调查结果（英）-2025.8_39页_1mb

BIS Survey on Central Bank Digital Currencies and Crypto (2024 Results)

Overview: Of the 93 central banks surveyed, 91% are actively exploring or have developed CBDC projects, with 85 jurisdictions engaged in work. Involvement varies by region, and a key driver for CBDC development is preserving the role of central bank money amid declining cash and rising asset tokenisation.

Key Findings:

• CBDC Work: Focus on wholesale CBDCs has accelerated, particularly in advanced economies. Motivations include enhancing cross-border payments and financial stability, with retail CBDCs often aimed at improving domestic payments and inclusion. Design features, such as distribution models and programmability, vary, with interest in interoperability and offline functionality.
• Stablecoins and Crypto: While payments use remains limited outside the crypto ecosystem in most jurisdictions, it is more prevalent in emerging markets for cross-border remittances. Regulations for stablecoins and other cryptoassets are rapidly evolving globally, with over 45% of jurisdictions enacting tailored rules.
• Asset Tokenisation: Digital asset tokenisation is growing significantly, especially in advanced economies, with bonds leading as tokenised assets. Commercial banks are actively testing tokenised deposits, and this trend is fostering innovation in payments and financial systems.

Conclusion: CBDC and tokenisation efforts are advancing in tandem with crypto developments, necessitating global regulatory coordination and cooperation to ensure safety, efficiency, and consumer protection in evolving payment landscapes.