{"id":108238,"date":"2026-06-09T00:15:24","date_gmt":"2026-06-08T22:15:24","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=108238"},"modified":"2026-06-04T18:30:36","modified_gmt":"2026-06-04T16:30:36","slug":"konec-swiftu-cinsky-digitalni-skok-v-africe","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/06\/09\/konec-swiftu-cinsky-digitalni-skok-v-africe\/","title":{"rendered":"Konec SWIFTu? \u010c\u00ednsk\u00fd digit\u00e1ln\u00ed skok v Africe"},"content":{"rendered":"
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Odborn\u00edci tvrd\u00ed, \u017ee \u010d\u00ednsk\u00fd digit\u00e1ln\u00ed platebn\u00ed syst\u00e9m zaveden\u00fd na pevnin\u011b pom\u00e1h\u00e1 sni\u017eovat z\u00e1vislost na dolaru.<\/span><\/strong><\/p>\n

S t\u00edm, jak \u010c\u00edna posiluje svou ekonomickou p\u0159\u00edtomnost v Africe, vstupuje vztah do nov\u00e9 f\u00e1ze, kter\u00e1 p\u0159esahuje pouhou materi\u00e1ln\u00ed v\u00fdstavbu.<\/span><\/p>\n

Pekingsk\u00fd ak\u010dn\u00ed pl\u00e1n na obdob\u00ed 2025\u20132027\u00a0<\/span>zahrnuje<\/span><\/a>\u00a0podporu 30 projekt\u016f infrastrukturn\u00ed propojen\u00ed v cel\u00e9 Africe, zat\u00edmco zem\u011b jako Ke\u0148a a Uganda ji\u017e o\u017eivuj\u00ed dopravn\u00ed spojen\u00ed podporovan\u00e1 \u010c\u00ednou, jako je prodlou\u017een\u00ed \u017eeleznice se standardn\u00edm rozchodem a d\u00e1lnice Rironi-Mau Summit k ugandsk\u00e9 hranici.<\/span><\/p>\n

Pro analytiky, kte\u0159\u00ed sleduj\u00ed finan\u010dn\u00ed budoucnost kontinentu, je tento v\u00fdvoj d\u016fle\u017eit\u00fd nejen proto, \u017ee umo\u017e\u0148uje pohyb zbo\u017e\u00ed, ale tak\u00e9 proto, \u017ee by mohl vytvo\u0159it komer\u010dn\u00ed architekturu paraleln\u00edho platebn\u00edho syst\u00e9mu postaven\u00e9ho na \u010d\u00ednsk\u00e9m digit\u00e1ln\u00edm RMB (digit\u00e1ln\u00ed j\u00fcan\/e-CNY), co\u017e by potenci\u00e1ln\u011b africk\u00fdm ekonomik\u00e1m nab\u00eddlo rychlej\u0161\u00ed zp\u016fsob obchodov\u00e1n\u00ed a men\u0161\u00ed z\u00e1vislost na dolaru.<\/span><\/p>\n

Mezin\u00e1rodn\u00ed platebn\u00ed syst\u00e9m, kter\u00e9mu dominuje Z\u00e1pad a jeho\u017e st\u0159edem je SWIFT a zprost\u0159edkovatelsk\u00e9 banky, je ji\u017e dlouho kritizov\u00e1n za vysok\u00e9 transak\u010dn\u00ed n\u00e1klady, zpo\u017ed\u011bn\u00ed a zranitelnost v\u016f\u010di geopolitick\u00fdm tlak\u016fm. Nicm\u00e9n\u011b s t\u00edm, jak \u010c\u00edna\u00a0<\/span>rozv\u00edj\u00ed<\/span><\/a>\u00a0sv\u016fj syst\u00e9m p\u0159eshrani\u010dn\u00edch digit\u00e1ln\u00edch plateb a posiluje sv\u00e9 vazby s Afrikou, se analytici domn\u00edvaj\u00ed, \u017ee tato platforma by mohla znamenat z\u00e1sadn\u00ed zlom v tom, jak kontinent p\u0159ev\u00e1d\u00ed pen\u00edze do zahrani\u010d\u00ed.<\/span><\/p>\n

\u201ePotenci\u00e1l pro sn\u00ed\u017een\u00ed expozice v\u016f\u010di finan\u010dn\u00edm syst\u00e9m\u016fm ovl\u00e1dan\u00fdm Z\u00e1padem\u201c<\/span><\/strong><\/h3>\n

Michael Owuor, expert na rozvoj a nadn\u00e1rodn\u00ed organizovan\u00fd zlo\u010din se s\u00eddlem v Nairobi, poznamen\u00e1v\u00e1, \u017ee pro mnoho africk\u00fdch zem\u00ed \u010d\u00ednsk\u00fd digit\u00e1ln\u00ed j\u00fcan\u00a0\u00a0<\/span>\u201epomalu redefinuje tradi\u010dn\u00ed geoobchodn\u00ed vztahy t\u00edm, \u017ee poskytuje alternativn\u00ed finan\u010dn\u00ed platformy pro obchod\u201c.<\/span><\/em><\/p>\n

\u201ePro africk\u00e9 ekonomiky m\u00e1 tato nov\u00e1 p\u0159eshrani\u010dn\u00ed platforma potenci\u00e1l urychlit region\u00e1ln\u00ed a kontinent\u00e1ln\u00ed obchodn\u00ed syst\u00e9my, sn\u00ed\u017eit vystaven\u00ed se finan\u010dn\u00edm syst\u00e9m\u016fm ovl\u00e1dan\u00fdm Z\u00e1padem a politicky zorganizovan\u00fdm ekonomick\u00fdm sankc\u00edm a pos\u00edlit finan\u010dn\u00ed inkluzi, po kter\u00e9 kontinent vol\u00e1,\u201c<\/span><\/em>\u00a0uvedl Owour, kter\u00fd pracuje v Glob\u00e1ln\u00edm centru pro politiku a strategii (GLOCEPS), think tanku se s\u00eddlem v Nairobi v Keni.<\/span><\/p>\n

Podle Owuora nab\u00edz\u00ed digit\u00e1ln\u00ed j\u00fcan pro Afriku, region hluboce integrovan\u00fd do \u010d\u00ednsk\u00e9 iniciativy P\u00e1s a stezka (BRI) a st\u00e1le v\u00edce z\u00e1visl\u00fd na digit\u00e1ln\u00edch finan\u010dn\u00edch \u0159e\u0161en\u00edch, rozmanit\u00e9 p\u0159\u00edle\u017eitosti.<\/span><\/p>\n

\u201eTato platforma je sou\u010d\u00e1st\u00ed \u0161ir\u0161\u00edho \u00fasil\u00ed \u010c\u00edny o usnadn\u011bn\u00ed p\u0159\u00edm\u00fdch transakc\u00ed v juanech mezi podniky a spot\u0159ebiteli po cel\u00e9m sv\u011bt\u011b, bez nutnosti rezervn\u00edch m\u011bn, jako je americk\u00fd dolar,\u201c<\/span><\/em>\u00a0\u0159ekl Owuor\u00a0<\/span>televizi RT<\/span><\/em>\u00a0.<\/span><\/p>\n

Rychlej\u0161\u00ed a levn\u011bj\u0161\u00ed<\/span><\/strong><\/h3>\n

Owuor poukazuje na to, \u017ee ukotven\u00ed \u010d\u00ednsk\u00e9ho digit\u00e1ln\u00edho j\u00fcanu v technologii blockchain m\u016f\u017ee zrychlit, zlevnit a zpr\u016fhlednit p\u0159eshrani\u010dn\u00ed platby.<\/span><\/p>\n

\u201eBlockchainov\u00e1 architektura digit\u00e1ln\u00edho RMB zkracuje dobu p\u0159eshrani\u010dn\u00edho vypo\u0159\u00e1d\u00e1n\u00ed na n\u011bkolik sekund, na rozd\u00edl od tradi\u010dn\u00edch transakc\u00ed SWIFT, kter\u00e9 \u010dasto trvaj\u00ed 3 a\u017e 5 pracovn\u00edch dn\u016f a zahrnuj\u00ed v\u00edce zprost\u0159edkovatelsk\u00fdch bank. To m\u00e1 za n\u00e1sledek vysok\u00e9 poplatky v ka\u017ed\u00e9 f\u00e1zi zpracov\u00e1n\u00ed plateb a zpo\u017ed\u011bn\u00ed v prov\u00e1d\u011bn\u00ed transakc\u00ed,\u201c<\/span><\/em>\u00a0\u0159ekl Owuor\u00a0<\/span>televizi RT<\/span><\/em>\u00a0.<\/span><\/p>\n

Digit\u00e1ln\u00ed platformy v RMB zkracuj\u00ed dobu vypo\u0159\u00e1d\u00e1n\u00ed t\u00e9m\u011b\u0159 na re\u00e1ln\u00fd \u010das a mohou\u00a0<\/span>sn\u00ed\u017eit<\/span><\/a>\u00a0n\u00e1klady o 40 a\u017e 60 % nebo i v\u00edce.<\/span><\/p>\n

Owuor d\u00e1le tvrd\u00ed, \u017ee jeho \u00fa\u010dinnost je obzvl\u00e1\u0161t\u011b transformativn\u00ed pro rozvojov\u00e9 ekonomiky, kde zpo\u017ed\u011bn\u00ed p\u0159eshrani\u010dn\u00edch plateb a vysok\u00e9 n\u00e1klady dlouhodob\u011b brzd\u00ed obchod, investice a kapit\u00e1lov\u00e9 transfery.<\/span><\/p>\n

\u201eChytr\u00e9 smlouvy integrovan\u00e9 do tohoto syst\u00e9mu umo\u017e\u0148uj\u00ed automaticky vym\u00e1hat regula\u010dn\u00ed po\u017eadavky, sni\u017eovat riziko podvod\u016f a zlep\u0161ovat transparentnost,\u201c<\/span><\/em>\u00a0dod\u00e1v\u00e1.<\/span><\/p>\n

\u201eRostouc\u00ed skepticismus v\u016f\u010di dominanci americk\u00e9ho dolaru\u201c<\/span><\/strong><\/h3>\n

Joseph Kimotho, nez\u00e1visl\u00fd konzultant a specialista na financov\u00e1n\u00ed rozvoje se s\u00eddlem v Nairobi, \u0159\u00edk\u00e1, \u017ee represivn\u00ed ekonomick\u00e1 opat\u0159en\u00ed p\u0159ijat\u00e1 Trumpovou administrativou proti zem\u00edm glob\u00e1ln\u00edho Jihu\u00a0\u00a0<\/span>\u201ene\u00famysln\u011b stimulovala popt\u00e1vku po alternativn\u00edch finan\u010dn\u00edch platform\u00e1ch\u201c.<\/span><\/em><\/p>\n

\u201eRostouc\u00ed skepticismus v\u016f\u010di dominanci americk\u00e9ho dolaru v glob\u00e1ln\u00edm obchodu nen\u00ed \u017e\u00e1dn\u00fdm tajemstv\u00edm. Washingtonsk\u00e9 vyu\u017eit\u00ed jeho celn\u00ed politiky jako n\u00e1stroje pro ekonomick\u00e9 a politick\u00e9 sankce \u010din\u00ed z digit\u00e1ln\u00edho j\u00fcanu slibnou a v\u00edtanou mo\u017enost,\u201c<\/span><\/em>\u00a0\u0159ekl Kimotho\u00a0<\/span>televizi RT<\/span><\/em>\u00a0.<\/span><\/p>\n

Kimotho nazna\u010duje, \u017ee \u010d\u00ednsk\u00fd platebn\u00ed syst\u00e9m nab\u00edz\u00ed alternativu, zejm\u00e9na pro zem\u011b,\u00a0\u00a0<\/span>\u201ekter\u00e9 se sna\u017e\u00ed chr\u00e1nit p\u0159ed americk\u00fdmi sankcemi a z\u00e1vislost\u00ed na dolaru\u201c<\/span><\/em>\u00a0a z\u00e1rove\u0148 si zajistit svou p\u0159\u00edtomnost v mezin\u00e1rodn\u00edm obchodu.<\/span><\/p>\n

Tvrd\u00ed, \u017ee integrace Afriky do iniciativy P\u00e1s a stezka z n\u00ed \u010din\u00ed p\u0159irozen\u00e9ho p\u0159\u00edjemce \u00fasil\u00ed o expanzi platformy, a poznamen\u00e1v\u00e1, \u017ee syst\u00e9m s n\u00e1zvem \u201eDigit\u00e1ln\u00ed hedv\u00e1bn\u00e1 stezka\u201c s v\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed podpo\u0159\u00ed v\u0161echny platby a transakce v r\u00e1mci iniciativy P\u00e1s a stezka.<\/span><\/p>\n

\u201eTo by m\u011blo povzbudit centr\u00e1ln\u00ed banky v ji\u017en\u00edch zem\u00edch, aby dr\u017eely juany ve sv\u00fdch devizov\u00fdch rezerv\u00e1ch,\u201c<\/span><\/em>\u00a0domn\u00edv\u00e1 se.<\/span><\/p>\n

\u201eAfrika se mus\u00ed chr\u00e1nit p\u0159ed nadm\u011brnou z\u00e1vislost\u00ed na jednotn\u00e9 m\u011bn\u011b.\u201c<\/span><\/strong><\/h3>\n

Isaac Shinyekwa, vedouc\u00ed odd\u011blen\u00ed obchodu a region\u00e1ln\u00ed integrace v Centru pro v\u00fdzkum hospod\u00e1\u0159sk\u00e9 politiky v Kampale, poznamen\u00e1v\u00e1, \u017ee zaveden\u00ed digit\u00e1ln\u00edho j\u00fcanu v Africe by mohlo urychlit jeho integraci do kontinent\u00e1ln\u00edch platebn\u00edch infrastruktur, jako je nap\u0159\u00edklad Panafrick\u00fd platebn\u00ed a z\u00fa\u010dtovac\u00ed syst\u00e9m (PAPPS).<\/span><\/p>\n

\u201eZakotven\u00ed PAPPS v region\u00e1ln\u00edm a kontinent\u00e1ln\u00edm obchodu ve spojen\u00ed se strategickou spoluprac\u00ed s platformou pro p\u0159eshrani\u010dn\u00ed platby v RMB by mohlo africk\u00fdm zem\u00edm umo\u017enit obej\u00edt SWIFT pro transakce v r\u00e1mci regionu a z\u00e1rove\u0148 sn\u00ed\u017eit n\u00e1klady a zpo\u017ed\u011bn\u00ed,\u201c<\/span><\/em>\u00a0\u0159ekl\u00a0<\/span>televizi RT<\/span><\/em>\u00a0.<\/span><\/p>\n

Shinyekwa dod\u00e1v\u00e1, \u017ee efektivn\u00ed p\u0159eshrani\u010dn\u00ed platebn\u00ed syst\u00e9my jsou nezbytn\u00e9 pro africkou kontinent\u00e1ln\u00ed z\u00f3nu voln\u00e9ho obchodu, jej\u00edm\u017e c\u00edlem je vytvo\u0159it jednotn\u00fd trh s 1,3 miliardami lid\u00ed.<\/span><\/p>\n

\u201eRychlost a n\u00edzk\u00e1 cena digit\u00e1ln\u00edho j\u00fcanu by mohly usnadnit pohyb kapit\u00e1lu a t\u00edm podpo\u0159it obchod v r\u00e1mci Afriky. Jeho p\u0159ijet\u00ed Afrikou by mohlo urychlit region\u00e1ln\u00ed integraci, sn\u00ed\u017eit vystaven\u00ed se americk\u00fdm sankc\u00edm a pos\u00edlit finan\u010dn\u00ed inkluzi a obchod,\u201c<\/span><\/em>\u00a0uvedl Shinyekwa.<\/span><\/p>\n

Owuor p\u0159edpov\u00edd\u00e1, \u017ee v budoucnu budou infrastrukturn\u00ed projekty financovan\u00e9 \u010c\u00ednou v Africe s v\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed financov\u00e1ny p\u0159\u00edmo prost\u0159ednictv\u00edm t\u011bchto digit\u00e1ln\u00edch platebn\u00edch platforem. Zd\u016fraz\u0148uje v\u0161ak, \u017ee tento p\u0159echod mus\u00ed b\u00fdt \u0159\u00edzen pe\u010dliv\u011b.<\/span><\/p>\n

\u201eJe nezbytn\u00e9 pe\u010dliv\u011b \u0159\u00eddit regula\u010dn\u00ed, technick\u00e9 a geopolitick\u00e9 v\u00fdzvy a p\u0159\u00edle\u017eitosti, zejm\u00e9na s ohledem na pr\u00e1va u\u017eivatel\u016f a zem\u00ed na jejich data. Afrika se mus\u00ed chr\u00e1nit p\u0159ed nadm\u011brnou z\u00e1vislost\u00ed na jedin\u00e9 m\u011bn\u011b nebo syst\u00e9mu, aby se p\u0159ede\u0161lo nov\u00fdm form\u00e1m finan\u010dn\u00ed z\u00e1vislosti,\u201c<\/span><\/em>\u00a0uzav\u00edr\u00e1 Owuor.<\/span><\/p>\n

od\u00a0<\/span>Jacksona Okaty<\/span><\/strong><\/em><\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Odborn\u00edci tvrd\u00ed, \u017ee \u010d\u00ednsk\u00fd digit\u00e1ln\u00ed platebn\u00ed syst\u00e9m zaveden\u00fd na pevnin\u011b pom\u00e1h\u00e1 sni\u017eovat z\u00e1vislost na dolaru….<\/p>\n","protected":false},"author":2,"featured_media":108239,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[1271,30,1503,504],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/108238"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=108238"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/108238\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/108239"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=108238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=108238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=108238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}