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欧洲央行：数字欧元准备阶段结束 有望2029年准备好首次发行
Xin Hua Cai Jing·2025-11-01 08:17

Core Insights - The European Central Bank (ECB) has successfully completed a two-year preparation phase for the digital euro, moving towards the next stage which includes technical readiness, market participation, and legislative support for the potential issuance of the digital euro by 2029 [1][2] Group 1: Digital Euro Development - The ECB's Governing Council made this decision following the successful completion of the digital euro preparation phase, which is set to begin in November 2023 [1] - The next phase will focus on developing the technical infrastructure for the digital euro, including initial system setup and pilot operations [1] - Collaboration with payment service providers, merchants, and consumers will be essential to refine the rulebook, conduct user research, and test the system through pilot activities [1] Group 2: Legislative and Pilot Project Timeline - If relevant regulations for the digital euro are passed by 2026, pilot projects and initial transactions could commence by mid-2027 [1] - The euro system anticipates being fully prepared for the potential issuance of the digital euro by 2029 [1] Group 3: Strategic Importance of Digital Euro - The ECB believes that the digital euro will uphold freedom of choice and privacy in Europe, while ensuring monetary sovereignty and economic security [1] - It is expected to foster innovation in the payment sector and enhance the competitiveness, resilience, and inclusiveness of the European payment system [1] Group 4: Nature of Digital Euro - The digital euro is a central bank digital currency (CBDC) directly backed by the ECB, representing a liability of the central bank [2] - Unlike bank deposits, which are a creditor relationship between depositors and banks, the digital euro does not rely on bank credit and does not require interbank transfers or banks as intermediaries [2] - The promotion of the digital euro aims to reduce dependence on multinational tech companies and secure the euro's position in the future digital economy [2]