Katswiri wa JPMorgan Chase Josh Young adanena kuti mabanki akuyimira zomangamanga zamalonda ndi zachuma za chuma chonse chapadera, choncho sayenera kuopsezedwa ndi chitukuko cha ndalama za digito za banki zomwe zidzazithetsa pang'onopang'ono.

Mu lipoti Lachinayi lapitalo, Young adanena kuti poyambitsa CBDC ngati njira yatsopano yobwereketsa ngongole ndi malipiro, ili ndi kuthekera kwakukulu kothetsa vuto lomwe liripo la kusiyana kwachuma.

Komabe, adanenanso kuti chitukuko cha CBDC chiyenera kusamala kuti chisawononge maziko a banki omwe alipo, chifukwa izi zidzachititsa kuti 20% mpaka 30% awononge ndalama zambiri kuchokera ku banki yamalonda.
Gawo la CBDC pamsika wogulitsa lidzakhala locheperako kuposa la mabanki.JPMorgan Chase adati ngakhale CBDC idzatha kupititsa patsogolo kuphatikizika kwachuma kuposa mabanki, atha kutero popanda kusokoneza kwambiri dongosolo lazachuma.Chifukwa cha izi ndikuti, Anthu ambiri omwe amapindula kwambiri ndi CBDC amakhala ndi akaunti zosakwana $10,000.

Young adanena kuti ndalamazi ndi gawo laling'ono chabe la ndalama zonse, zomwe zikutanthauza kuti banki idzagwirabe magawo ambiri.

"Ngati madipoziti onsewa angogwira CBDC, sizingakhudze kwambiri ndalama zamabanki."

Malinga ndi kafukufuku waposachedwa wa Federal Deposit Insurance Corporation (FDIC) panyumba zopanda banki komanso zogwiritsidwa ntchito mochepera, mabanja opitilira 6% aku America (akuluakulu 14.1 miliyoni aku America) sagwiritsa ntchito mabanki.

Kafukufukuyu adawonetsanso kuti ngakhale kuchuluka kwa kusowa kwa ntchito kukucheperachepera, kuchuluka kwa anthu omwe akukumanabe ndi chisalungamo m'dongosolo komanso kusalingana kwachuma kukadali kwakukulu.Awa ndi magulu akuluakulu omwe amapindula ndi CBDC.

"Mwachitsanzo, mabanja akuda (16.9%) ndi Hispanic (14%) ali ndi mwayi woletsa ma depositi ku banki kuwirikiza kasanu kuposa azungu (3%).Kwa iwo omwe alibe madipoziti kubanki, chizindikiro champhamvu kwambiri ndi kuchuluka kwa ndalama. ”

Zoyenera CBDC.Ngakhale m'mayiko omwe akutukuka kumene, kuphatikizidwa kwachuma ndi malo ogulitsa kwambiri a Crypto ndi CBDC.Mu May chaka chino, Federal Reserve Governor Lael Brainard adanena kuti kuphatikizidwa kwachuma kudzakhala chinthu chofunikira kuti United States iganizire za CBDC.Ananenanso kuti Atlanta ndi Cleveland onse akupanga ma projekiti ofufuza koyambirira pa ndalama za digito.

Pofuna kuwonetsetsa kuti CBDC sichikhudza zomangamanga za banki, JP Morgan Chase akufuna kukhazikitsa kapu yolimba kwa mabanja omwe ali ndi ndalama zochepa:

"Chiwongola dzanja cholimba cha $ 2500 chikuyenera kukwaniritsa zosowa za mabanja ambiri omwe amapeza ndalama zochepa, popanda kukhudza kwambiri ndalama zamabanki akuluakulu."

Achinyamata akukhulupirira kuti izi zikhala zofunikira kuwonetsetsa kuti CBDC ikugwiritsidwabe ntchito pogulitsa.

"Kuchepetsa kugwiritsidwa ntchito kwa CBDC ngati sitolo yamtengo wapatali, zoletsa zina pazachuma zomwe zasungidwa ziyenera kukhazikitsidwa."

Posachedwapa, Weiss Crypto Rating adaitana gulu la Crypto kuti lifotokoze za ntchito zosiyanasiyana zachitukuko za CBDC padziko lonse lapansi, ponena kuti izi zinapangitsa kuti anthu akhulupirire molakwika kuti CBDC ndi Crypto ali ndi ufulu wofanana wachuma.

"Crypto media inanena kuti zochitika zonse zokhudzana ndi CBDC zikugwirizana ndi" Crypto ", zomwe zikuyambitsa vuto lenileni ku makampani chifukwa zimapereka anthu kuganiza kuti CBDC ndi yofanana ndi Bitcoin, ndipo zoona zake n'zakuti awiriwa sali ofanana. .”