JPMorgan Chase muongorori Josh Young akati mabhanga anomiririra kutengeserana uye zvemari zvivakwa zvehupfumi hwese, uye saka hazvifanirwe kutyisidzirwa nekuvandudzwa kwebhangi repakati mari yedhijitari iyo inovabvisa zvishoma nezvishoma.

Mumushumo weChina chapfuura, Vechidiki vakaratidza kuti nekuunza CBDC sechikwereti chitsva chekutengesa uye nzira yekubhadhara, ine mukana mukuru wekugadzirisa dambudziko riripo rekusaenzana kwehupfumi.

Zvisinei, akataurawo kuti kukurudzirwa kweCBDC kunofanira kuchenjerera kuti kusakuvadza zvivako zvebhangi zviripo, nokuti izvi zvichaguma nekuparadzwa kwe20% kusvika ku30% yebhesi guru kubva kune bhizinesi rekutsvaga mari.
Chikamu cheCBDC mumusika wekutengesa chichava chidiki pane icho chebhangi.JPMorgan Chase akati kunyange zvazvo CBDC ichakwanisa kuwedzera kukurumidza kubatanidzwa kwemari kupfuura mabhanga, vanogona kuzviita pasina kukanganisa zvakanyanya maitiro emari.Chikonzero chiri shure kweizvi ndechekuti, Vanhu vazhinji vanonyanya kubatsirwa kubva kuCBDC vane maakaundi asingasviki $10,000.

Vechidiki vakati mari idzi dzaingotora chikamu chidiki chemari yese, izvo zvinoreva kuti bhanga richaramba rakabata zvikamu zvakawanda.

"Kana madhipoziti ese aya achingobata zvitoro zveCBDC, hazvizove nekukanganisa mari yebhangi."

Zvinoenderana neongororo ichangoburwa neFederal Deposit Insurance Corporation (FDIC) padzimba dzisina kubhengi uye dzisina kushandiswa-inoshandiswa, dzinopfuura 6% dzemhuri dzeAmerica (14.1 miriyoni yevakuru vekuAmerica) havashandise masevhisi ekubhengi.

Ongororo iyi yakaratidzawo kuti kunyange hazvo huwandu hwevanhu vasina mabasa huri kuramba huchidzikira, huwandu hwevanhu vachiri kutarisana nehurongwa hwekusaruramisira uye kusaenzana kwemari ichiri kukwira.Aya ndiwo mapoka makuru anobatsirwa neCBDC.

Semuyenzaniso, mhuri dzevatema (16.9%) neveHispanic (14%) dzine mukana wakapetwa kashanu wekukanzura madhipoziti kubhanga kupfuura mhuri dzevachena (3%).Kune avo vasina madhipoziti ekubhangi, chiratidzo chakasimba kwazvo idanho remari. "

Conditional CBDC.Kunyangwe munyika dzichiri kusimukira, kubatanidzwa kwemari ndiyo nzvimbo huru yekutengesa yeCrypto neCBDC.Muna Chivabvu wegore rino, Gavhuna weFederal Reserve Lael Brainard akataura kuti kubatanidzwa kwemari kuchave chinhu chakakosha kuti United States ifunge nezveCBDC.Akawedzera kuti Atlanta neCleveland vese vari kugadzira mapurojekiti ekutanga ekutsvaga pamari yedhijitari.

Kuti ive nechokwadi chekuti CBDC haikanganisi zvivakwa zvebhangi, JP Morgan Chase anoronga kuseta chivharo chakaomarara kumhuri dzine mari shoma:

"Iyo yakaoma madhora mazana maviri nemazana mashanu ingangozadzisa zvinodiwa neruzhinji rwemhuri dzine mari yakaderera, pasina kukanganiswa kwemari yemabhanga makuru ekutengesa."

Vechidiki vanotenda kuti izvi zvichave zvakakosha kuve nechokwadi chekuti CBDC ichiri kunyanya kushandiswa kutengesa.

"Kuderedza kushandiswa kwekutengesa CBDC sechitoro chekukosha, zvimwe zvirambidzo pazvinhu zvakachengetwa zvinoda kuiswa."

Munguva ichangopfuura, Weiss Crypto Rating yakadana nharaunda yeCrypto kuti itaure pamusoro pezvirongwa zvakasiyana-siyana zvekusimudzira CBDC pasi rose, zvichiratidza kuti izvi zvakaita kuti vanhu vatende zvisiri izvo kuti CBDC neCrypto vane rusununguko rwakafanana rwemari.

"Crypto media yakashuma kuti zviitiko zvese zvine chekuita neCBDC zvine chekuita ne" Crypto ", izvo zviri kukonzera kukuvadza chaiko kune indasitiri nekuti iri kupa vanhu pfungwa yekuti CBDC yakaenzana neBitcoin, uye chokwadi ndechekuti izvi zviviri hazvina kufanana. .”