Источник
The Sydney Morning Herald.au, Australia


Заголовок
The $6 trillion gamble the RBA isn’t willing to take


Дата
20240919


Этим цветом    обозначаются известные системе слова и выражения,
принимавшие участие в анализе данного текста, а таким    - идентифицированные,
то есть соотнесенные с каким-либо объектом онтологической базы

============= Обработанный текст:

The $6 trillion gamble the RBA isn’t willing to take The $6 trillion gamble the RBA isn’t willing to take By Shane Wright September 19, 2024 — 4.03am Save Log in , register or subscribe to save articles for later. Save articles for later Add articles to your saved list and come back to them any time. Got it Normal text size Larger text size Very large text size Advertisement The Reserve Bank has decided against a new form of money – partly out of fear it could lead to the downfall of the nation’s $6 trillion banking system. Bank assistant governor Brad Jones, in a speech in Melbourne on Wednesday, revealed the RBA would not move ahead with a so-called central bank digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта, instead focusing on a digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта aimed at major financial players such as banks. The Reserve Bank has decided against creating a digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта for retail payments. Credit: Reuters Unlike an electronic currency, which people can withdraw from a bank and hold in a physical form such as cash and coins, a digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта only exists in a digital form. It’s similar to cryptocurrencies• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта such as Bitcoin• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта » Bitcoin, however a central bank digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта would be fully backed by the government of the day rather than private investors. Only four central banks in the world – Jamaica, the Bahamas, China and Nigeria – are currently offering digital currencies, with little demand for their use. The RBA and with several other major central banks, such as the Bank of England, have been examining whether to offer a digital form of their respective currencies. But Jones said at this stage the risks posed by such a new form of money meant the RBA would not go ahead. Loading “Australians are generally well served by a safe, efficient and innovative retail payments system,” he said. “Given the potential benefits of a retail central bank digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта in Australia appear modest at the present time, and a retail central bank digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта would create non-trivial challenges for financial stability and monetary policy implementation, we are yet to see a strong public policy case emerge for issuing a retail currency.” Advertisement One of the risks identified by the RBA was a potential threat to the entire banking system. Jones revealed bank staff had examined what would happen to commercial banks if all Australian households transferred $5000 from their accounts into a Reserve Bank digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта. If no other actions were taken to protect the banks, this would reduce by up to 60 per cent the cash buffers they are required to hold to protect themselves from a run on their deposits, big falls in asset prices or broad economic turmoil. “Central banks have examined measures that could forestall or limit the effects of bank runs involving central bank digital currencies, including limits on holdings, penalties on bank deposit withdrawals and negative interest rates on digital currencies in periods of stress,” he said. “But what such measures have in common is an effort to restrict the use of central bank digital currencies, which to my mind at least, raises the question of whether the benefits of a central bank digital currencies would be forfeited in the process.” RBA assistant governor Brad Jones says the case for a retail digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта in Australia were not strong enough at present. Credit: Alex Ellinghausen The CrowdStrike outage in July, which shut or slowed down the computer systems of millions of companies that used Microsoft Windows• Информационные технологии » Информатика » Программирование » Платформы программирования » Операционные системы » Операционные Системы Майкрософт » Microsoft Windows • Информационные технологии » Информационно-коммуникационные технологии » Информационные технологии и телекоммуникации » Программирование » Платформы программирования » Операционные системы » Операционные Системы Майкрософт » Microsoft Windows • Высокие технологии » Информационные технологии и телекоммуникации » Программирование » Платформы программирования » Операционные системы » Операционные Системы Майкрософт » Microsoft Windows, and the threat of cyber-attacks• Телекоммуникации и связь » Компьютерная сеть » Интернет » Кибервойна • Политика » Пропаганда » Кибервойна has prompted calls for protection of physical cash. Loading Jones said while some payment systems could work offline, moving to a digital currency• Экономика » Финансы » Платежные средства » Платежные системы интернета » Криптовалюта could prove problematic during an electrical or digital system breakdown. “Many countries are uplifting their crisis preparedness arrangements in response to national security• Безопасность » Национальная безопасность • Государство » Национальная безопасность threats and the risk of natural disasters. Social cohesion, not just economic disruption, is foremost in mind here,” he said. “Some countries are also reconsidering the back-up role that physical cash might play for short-term transactional purposes, albeit access to and acceptance of cash still requires supporting offline capabilities.” Jones said the RBA would prioritise its work on wholesale digital money, which would likely be used by major banks and financial institutions. It will undertake a three-year research program into the future of digital money. Cut through the noise of federal politics with news, views and expert analysis. Subscribers can sign up to our weekly Inside Politics newsletter . Save Log in , register or subscribe to save articles for later.

============= Итог:
2,6650 ; Экономика#Финансы#Платежные средства#Платежные системы интернета
	#Криптовалюта#Bitcoin

2,7563 ; Телекоммуникации и связь#Компьютерная сеть#Интернет#Кибервойна
	#Национальная безопасность

2,6000 ; Безопасность#Национальная безопасность#Кибервойна

1,3334 ; Информационные технологии#Информатика#Программирование
	#Платформы программирования#Операционные системы
	#Операционные Системы Майкрософт#Microsoft Windows