{"id":40743,"date":"2023-11-23T01:05:25","date_gmt":"2023-11-23T00:05:25","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=40743"},"modified":"2023-11-22T16:14:37","modified_gmt":"2023-11-22T15:14:37","slug":"svycarsko-zacina-s-digitalnimi-penezi-centralni-banky","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2023\/11\/23\/svycarsko-zacina-s-digitalnimi-penezi-centralni-banky\/","title":{"rendered":"\u0160v\u00fdcarsko za\u010d\u00edn\u00e1 s digit\u00e1ln\u00edmi pen\u011bzi centr\u00e1ln\u00ed banky"},"content":{"rendered":"
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Ve skute\u010dnosti pen\u00edze digit\u00e1ln\u00ed centr\u00e1ln\u00ed banky tla\u010den\u00e9 EU za\u010dnou ve skute\u010dnosti mimo EU zhruba za \u010dty\u0159i t\u00fddny ve \u0160v\u00fdcarsku.<\/span><\/p>\n

Za\u010dn\u011bte jako \u201epilotn\u00ed projekt pro 6 bank\u201c<\/strong><\/span><\/p>\n

EU a ECB prosazuj\u00ed t\u00e9ma \u201epen\u011bz digit\u00e1ln\u00ed centr\u00e1ln\u00ed banky\u201c, jak jen mohou, zjevn\u011b velmi \u201eo\u0161idn\u011b\u201c a enormn\u00edm\u00a0<\/span>tempem<\/span><\/a>\u00a0.<\/span><\/p>\n

Od prosince ji\u017e bude realizov\u00e1n re\u00e1ln\u011b.\u00a0\u0160v\u00fdcarsko slou\u017e\u00ed jako \u201epr\u016fkopn\u00edk\u201c.\u00a0Jak informovala \u0160v\u00fdcarsk\u00e1 n\u00e1rodn\u00ed banka\u00a0<\/span>(SNB)<\/span><\/a>\u00a0, od 1. prosince zavede digit\u00e1ln\u00ed pen\u00edze centr\u00e1ln\u00ed banky (CBDC) jako takzvan\u00fd pilotn\u00ed projekt pro 6 komer\u010dn\u00edch bank na regulovan\u00e9 platform\u011b SIX Digital Exchange (SDX).<\/span><\/p>\n

Tento \u201epilotn\u00ed projekt\u201c pro pen\u00edze digit\u00e1ln\u00ed centr\u00e1ln\u00ed banky ve \u0160v\u00fdcarsku se naz\u00fdv\u00e1 \u201eHelvetia Phase III\u201c.\u00a0Podle vlastn\u00edho prohl\u00e1\u0161en\u00ed SNB \u201epoprv\u00e9 vyd\u00e1v\u00e1 skute\u010dn\u00e9 velkoobchodn\u00ed CBDC (digit\u00e1ln\u00ed pen\u00edze centr\u00e1ln\u00ed banky pro finan\u010dn\u00ed instituce) ve \u0161v\u00fdcarsk\u00fdch franc\u00edch na infrastruktu\u0159e finan\u010dn\u00edho trhu, kter\u00e1 je zalo\u017eena na technologii distribuovan\u00e9 \u00fa\u010detn\u00ed knihy (DLT).<\/span><\/p>\n

SNB tak p\u0159en\u00e1\u0161\u00ed svou dosavadn\u00ed pr\u00e1ci v testovac\u00edch prost\u0159ed\u00edch do produkce a zp\u0159\u00edstup\u0148uje velkoobchodn\u00ed CBDC pro vypo\u0159\u00e1d\u00e1n\u00ed skute\u010dn\u00fdch dluhopisov\u00fdch transakc\u00ed.\u00a0Podle prohl\u00e1\u0161en\u00ed SNB prov\u00e1d\u011bj\u00ed zapojen\u00e9 banky transakce na platform\u011b DLT jako zprost\u0159edkovatel\u00e9 pro emitenty a investory.\u00a0Tokenizovan\u00e9 dluhopisy jsou vypo\u0159\u00e1d\u00e1ny v\u016f\u010di velkoobchodn\u00edm CBDC na b\u00e1zi doru\u010den\u00ed versus platba.<\/span><\/p>\n

\u201eZku\u0161ebn\u00ed provoz\u201c do \u010dervna 2024<\/strong><\/span><\/p>\n

Pilotn\u00ed provoz se skute\u010dn\u00fdm \u0161v\u00fdcarsk\u00fdm frankov\u00fdm velkoobchodem CBDC je pl\u00e1nov\u00e1n na obdob\u00ed od prosince 2023 do \u010dervna 2024.<\/span><\/p>\n

Z\u00fa\u010dastn\u011bn\u00e9 banky jsou Banque Cantonale Vaudoise, Basler Kantonalbank, Commerzbank, Kreditarbank Lenzburg, UBS a Z\u00fcrcher Kantonalbank.\u00a0Krom\u011b platformy SDX tento pilotn\u00ed projekt Digital Central Bank Money vyu\u017e\u00edv\u00e1 infrastruktury SIC pro tokenizaci pen\u011bz centr\u00e1ln\u00ed banky a SIX SIS pro integraci s tradi\u010dn\u00ed infrastrukturou vypo\u0159\u00e1d\u00e1n\u00ed dluhopis\u016f.\u00a0Obchodov\u00e1n\u00ed a vypo\u0159\u00e1d\u00e1n\u00ed repo transakc\u00ed s velkoobchodn\u00edm CBDC je tak\u00e9 testov\u00e1no v testovac\u00edch syst\u00e9mech SIX Repo a SDX.<\/span><\/p>\n

\"\"<\/a><\/p>\n

Podle SNB se DLT a tokenizace aktiv ji\u017e v ojedin\u011bl\u00fdch p\u0159\u00edpadech v regulovan\u00e9m finan\u010dn\u00edm syst\u00e9mu pou\u017e\u00edvaj\u00ed a slibuj\u00ed zv\u00fd\u0161en\u00ed efektivity a v\u011bt\u0161\u00ed transparentnost.\u00a0Pokud se DLT usad\u00ed ve finan\u010dn\u00edm syst\u00e9mu, centr\u00e1ln\u00ed banky budou podle SNB \u010delit ot\u00e1zce, jak lze zpracovat symbolick\u00e9 transakce mezi finan\u010dn\u00edmi institucemi v pen\u011bz\u00edch centr\u00e1ln\u00ed banky.<\/span><\/p>\n

S nadch\u00e1zej\u00edc\u00edm pilotn\u00edm provozem SNB \u0159\u00edk\u00e1, \u017ee se nezavazuje trvale zav\u00e1d\u011bt velkoobchodn\u00ed CBDC.<\/span><\/p>\n

Bloomberg v sou\u010dasn\u00e9 dob\u011b\u00a0<\/span><\/em>vysv\u011btluje ozn\u00e1men\u00ed SNB o digit\u00e1ln\u00edch pen\u011bz\u00edch centr\u00e1ln\u00ed banky: \u201ePodle Atlantic Council je tokenizovan\u00e1 forma pen\u011bz centr\u00e1ln\u00ed banky prvn\u00edmi takzvan\u00fdmi digit\u00e1ln\u00edmi velkoobchodn\u00edmi pen\u011bzi centr\u00e1ln\u00ed banky, kter\u00e9 jsou uvedeny do provozu po cel\u00e9m sv\u011bt\u011b.\u00a0M\u00e1 usnadnit transakce mezi \u0161v\u00fdcarsk\u00fdmi finan\u010dn\u00edmi institucemi a centr\u00e1ln\u00ed bankou.\u00a0Spot\u0159ebitel\u00e9 nebudou moci dr\u017eet tokeny.\u201c<\/span><\/p>\n

Mnoho kritik\u016f digit\u00e1ln\u00edch pen\u011bz centr\u00e1ln\u00ed banky<\/strong><\/span><\/p>\n

Mnoho lid\u00ed v\u0161ak pohl\u00ed\u017e\u00ed na t\u00e9ma digit\u00e1ln\u00edch pen\u011bz centr\u00e1ln\u00ed banky extr\u00e9mn\u011b kriticky.\u00a0To je pova\u017eov\u00e1no za formu sledov\u00e1n\u00ed ob\u010dan\u016f.\u00a0Ne neopodstatn\u011bn\u00e1 kritika je, \u017ee kdokoli, kdo plat\u00ed pouze digit\u00e1ln\u011b, a to prost\u0159ednictv\u00edm digit\u00e1ln\u00ed m\u011bny od centr\u00e1ln\u00ed banky, by byl zcela kontrolovateln\u00fd vl\u00e1dami.<\/span><\/p>\n

Toto t\u00e9ma se v\u0161ak v m\u00e9di\u00edch t\u00e9m\u011b\u0159 nebo v\u016fbec neprob\u00edr\u00e1.\u00a0T\u00e9ma se nap\u0159\u00edklad neobjevuje ani v talk show.\u00a0Mohly by b\u00fdt digit\u00e1ln\u00ed pen\u00edze centr\u00e1ln\u00ed banky snadno implementov\u00e1ny vl\u00e1dami a centr\u00e1ln\u00edmi bankami bez velk\u00e9 ve\u0159ejn\u00e9 diskuse?<\/span><\/p>\n

Mainstreamov\u00e1 m\u00e9dia se t\u00e9to problematice t\u00e9m\u011b\u0159 v\u016fbec nev\u011bnuj\u00ed, tak\u017ee si toho mnoho lid\u00ed ani nev\u0161imne a ve v\u00fdsledku to nen\u00ed p\u0159\u00edli\u0161 velk\u00e9 pobou\u0159en\u00ed ve\u0159ejnosti.<\/span><\/p>\n

Guvern\u00e9r francouzsk\u00e9 centr\u00e1ln\u00ed banky Francois Villeroy de Galhau ozna\u010dil za \u201epovinnost\u201c Evropsk\u00e9 centr\u00e1ln\u00ed banky vytvo\u0159it digit\u00e1ln\u00ed euro a uvedl, \u017ee retailov\u00ed v\u011b\u0159itel\u00e9 by se nem\u011bli b\u00e1t, \u017ee by to ovlivnilo jejich podnik\u00e1n\u00ed.<\/span><\/p>\n

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

Ve skute\u010dnosti pen\u00edze digit\u00e1ln\u00ed centr\u00e1ln\u00ed banky tla\u010den\u00e9 EU za\u010dnou ve skute\u010dnosti mimo EU zhruba za…<\/p>\n","protected":false},"author":2,"featured_media":40744,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,916,467],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/40743"}],"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=40743"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/40743\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/40744"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=40743"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=40743"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=40743"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}