欧洲央行奇波隆内：数字欧元稳固银行核心地位 守护本土支付体系 破解超四分之三交易依赖国际网络战略风险

Core Insights - The design of the digital euro aims to ensure that European banks remain central to the eurozone payment system while protecting local payment card organizations [1] - The European Central Bank (ECB) initiated the digital euro project to compete with private forms of currency, addressing concerns that a centrally managed digital euro could undermine banks' roles in payment processing [1] - The ECB views the current reliance on international payment networks like Visa and Mastercard as a strategic risk, with the digital euro being a key measure to mitigate this risk [2] Summary by Sections Digital Euro and Banking Role - ECB Executive Board member Pier Carlo Padoan emphasized that the digital euro will help maintain banks' central role in payment processing, despite the risks posed by stablecoins and other private payment solutions [1] - The core objective of the digital euro project is to support banks in retaining their payment processing functions, which are critical for their revenue and customer data [1] Protection of Local Payment Systems - The digital euro is designed to strengthen local payment systems such as Italy's Bancomat and Spain's Bizum, reducing costs for merchants using these networks [2] - The fee structure for merchants using the digital euro will be set below that of higher-cost international payment networks but above the standard fees of local systems, aiming to balance operational costs [2] - Currently, only 8 out of 21 eurozone member countries have national payment systems, with the digital euro expected to benefit these local systems significantly [2] Legislative Support and Implementation Timeline - The legislative proposal for the digital euro was previously stalled for two years but has recently gained significant support from the European Parliament and the EU Council, highlighting its importance for European economic security [2] - The digital euro is expected to be ready for integration with private payment systems by 2029, allowing public and business access for payments throughout the eurozone [2]