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Financial messaging system SWIFT has released plans for a worldwide central bank digital currency (CBDC) network.
金融報文系統SWIFT發布了其建立全球央行數字貨幣網絡的計劃。
The plan is the result of eight months of tests using different technologies and currencies.
該計劃是使用不同技術和貨幣進行8個月測試的結果。
SWIFT’s tests looked at how CBDCs could be used internationally and changed into traditional money if needed.
SWIFT的測試著眼于如何在國際上使用全球央行數字貨幣網絡，并在需要時將其兌換成傳統貨幣。
For the last month, the trial has involved France and Germany’s central banks and international banks like HSBC, Standard Chartered and UBS.
上個月，法國和德國的央行以及匯豐銀行、渣打銀行和瑞銀等國際銀行都參與了這次測試。
Around 90 percent of the world’s central banks are now using, testing, or studying CBDCs.
目前，全球約90%的中央銀行都在使用、測試或研究全球央行數字貨幣網絡。
Reuters reports that they are struggling with its technological complexities.
路透社報道稱，他們正在為其復雜的技術而苦苦掙扎。
Nick Kerigan is SWIFT’s head of innovation.
尼克·克里根是SWIFT的創新主管。
He described SWIFT’s plan as a bicycle wheel in which 14 central and business banks are connected to a central point, its main hub.
他將SWIFT的計劃比喻為一個自行車輪子，其中14家中央銀行和商業銀行連接到一個中心點，即其主要樞紐。
The tests will be followed by additional testing over the next year.
在這些測試完成之后，明年還將進行額外的測試。
The idea is that once the plan is in place, banks may need only one main international connection rather than thousands of connections with each partner.
其理念是，一旦該計劃實施，銀行可能只需要一個主要的國際連接點，而不是與每個合作伙伴建立的數千個連接點。
Kerigan said, “We believe that the number of connections needed is much fewer.”
克里根說：“我們認為所需的連接點的數量要少得多?！?/p>
He said this would likely mean that there will be fewer breaks in the chain and that it will likely be more efficient.
他說，這可能意味著鏈條上的斷裂點會更少，效率可能會更高。
However, CBDCs have also raised concerns about privacy and central control of private financial dealings.
然而，全球央行數字貨幣網絡點也對私人金融交易的隱私和中央控制提出了擔憂。
SWIFT’s trial also tested a group of different CBDC technologies known as Distributed Ledger Technologies.
SWIFT的試驗還測試了一組不同的全球央行數字貨幣網絡技術，即分布式分類帳技術。
But, the use of many different technologies presents a barrier to quickly putting the plan into effect around the world.
但是，許多不同技術的使用阻礙了該計劃在世界各地迅速展開實施。
A separated trial was carried out with financial companies Citi, Clearstream and Northern Trust.
與金融公司花旗銀行、明訊銀行和北方信托進行了另一個試驗。
It involved “tokenization.”
它涉及“代用幣化”。
“Tokenization” is a measure used to secure sensitive information.
“代用幣化”是一種用于保護敏感信息的措施。
The test aimed to use digital “tokens” to trade property like stocks and bonds.
這項測試旨在使用數字“代幣”來交易股票和債券等資產。
Some countries such as the Bahamas and Nigeria say they already have CBDCs.
巴哈馬和尼日利亞等一些國家表示，他們已經建立了全球央行數字貨幣網絡。
China has been developing a digital currency called the e-yuan.
中國一直在開發一種叫做“數字元”的數字貨幣。
And Reuters says the Bank for International Settlements has also been running cross-border trails.
路透社表示，國際清算銀行也一直在進行跨境追蹤。
SWIFT says it is in a good position because it has an existing network used in over 200 countries and connects more than 11,500 banks and funds.
SWIFT表示，它處于有利地位，因為它擁有覆蓋200多個國家的現有網絡，連接了超過1.15萬家銀行和基金。
SWIFT is a member-owned cooperative group based in Belgium.
SWIFT是一家總部設在比利時的成員合作組織。
It gained attention after it cut most of Russia’s banks from its network to punish Russia for invading Ukraine.
為了懲罰俄羅斯入侵烏克蘭，該組織切斷了大部分俄羅斯銀行與其網絡的聯系，從而引起了人們的關注。
Kerigan said a new CBDC system could also bar countries from taking part in it.
克里根說，新的全球央行數字貨幣網絡系統也可能會禁止一些國家參與其中。
But he did not know whether it would stop countries from joining one.
但他不知道它是否會阻止一些國家加入其中。
He said most central banks want to provide CBDC for the people, the businesses, and the organizations in their areas.
他說，大多數央行都希望為其所在地區的人民、企業和組織提供全球央行數字貨幣網絡。
He added, “So a solution that's fast and efficient and that gains access to as many other countries as possible would seem to be an attractive one.”
他還說，“因此，一個既快速又高效，又能進入盡可能多的國家的解決方案似乎是有吸引力?！?/p>
I’m Gregory Stachel.
格雷戈里·施塔赫爾為您播報。
譯文為可可英語翻譯，未經授權請勿轉載！
