由于障碍，数字欧元的推出推迟到 2020 年代末

德意志联邦银行行长 Joachim Nagel 表示，尽管欧盟很早就接受了央行数字货币 (CBDC)，但数字欧元不太可能在 2028-2029 年之前实施。尽管数字欧元提供了安全、便捷的支付和欧元区内普遍使用等好处，但其推出面临着政治挑战，包括隐私问题和议会反对，从而推迟了其时间表。

European Digital Euro Launch Unlikely Before 2028-2029

欧洲数字欧元不太可能在 2028-2029 年之前推出

In a recent speech titled "Central Bank Money in the 21st Century," Deutsche Bundesbank President Dr. Joachim Nagel addressed the topic of a Central Bank Digital Currency (CBDC) for the eurozone. While the European Union has been at the forefront of exploring CBDCs, Dr. Nagel expressed his belief that the digital euro is unlikely to be implemented before 2028-2029.

在最近题为“21世纪的中央银行货币”的演讲中，德意志联邦银行行长约阿希姆·内格尔博士谈到了欧元区中央银行数字货币（CBDC）的话题。尽管欧盟一直处于探索 CBDC 的最前沿，但 Nagel 博士表示，他相信数字欧元不太可能在 2028-2029 年之前实施。

Benefits of a Digital Euro

数字欧元的好处

Dr. Nagel outlined the potential benefits of a digital euro, emphasizing its safety, convenience, and affordability. The currency would enable free payments, universal use within the eurozone, and support a wide range of transactions. Additionally, the digital euro would provide a high level of privacy, addressing concerns that have been raised regarding CBDCs.

内格尔博士概述了数字欧元的潜在好处，强调其安全性、便利性和可承受性。该货币将实现免费支付、在欧元区内普遍使用，并支持广泛的交易。此外，数字欧元将提供高水平的隐私，解决人们对 CBDC 提出的担忧。

Political Hurdles

政治障碍

Despite the recognized advantages of a digital euro, its implementation faces significant political challenges. The establishment of a European CBDC requires parliamentary approval, and the initial draft legislation, released in June 2023, encountered strong opposition from conservative factions.

尽管数字欧元的优势得到公认，但其实施仍面临重大政治挑战。欧洲CBDC的建立需要议会批准，2023年6月发布的初步立法草案遭到了保守派的强烈反对。

Subsequent drafts addressing privacy concerns were presented in February 2024, and the European Committee on Civil Liberties and Justice (LIBE) attempted to approve them. However, the bill failed to pass before parliament recessed, necessitating its reintroduction in the next legislative session. 2025 is the earliest that the bill is likely to be passed, followed by design and testing phases.

随后的解决隐私问题的草案于 2024 年 2 月提交，欧洲公民自由与司法委员会 (LIBE) 试图批准这些草案。然而，该法案在议会休会前未能通过，因此需要在下届立法会议上重新提出。该法案最早可能在 2025 年获得通过，随后进入设计和测试阶段。

Skepticism and Concerns

怀疑和担忧

Dr. Nagel's enthusiasm for a digital euro contrasts with the skepticism expressed by some around the world. Attitudes toward CBDCs vary significantly by country, with developing nations generally holding a more favorable view compared to citizens in the United States, United Kingdom, Canada, and Europe.

内格尔博士对数字欧元的热情与世界各地一些人表达的怀疑形成鲜明对比。不同国家对 CBDC 的态度差异很大，与美国、英国、加拿大和欧洲的公民相比，发展中国家普遍持有更有利的观点。

The primary concern surrounding CBDCs is the potential for governments to exert excessive control over citizens. The programmable nature of CBDCs could allow central banks to impose restrictions on spending, set expiration dates, or even freeze and seize funds. While financial controls exist today, advocates of liberty argue that CBDCs could lead to unprecedented government overreach.

围绕 CBDC 的主要担忧是政府可能对公民施加过度控制。 CBDC 的可编程性质可以允许央行对支出施加限制、设定到期日期，甚至冻结和扣押资金。尽管当今存在金融管制，但自由倡导者认为 CBDC 可能会导致政府史无前例的越权行为。

Critics also express concerns about the impact on private payment providers. CBDCs could potentially displace many of these providers, reducing competition and forcing more individuals into the digital euro system.

批评者还对这对私人支付提供商的影响表示担忧。 CBDC 可能会取代许多此类提供商，从而减少竞争并迫使更多人进入数字欧元体系。

Bitcoin as an Alternative

比特币作为替代品

Despite the valid concerns raised about CBDCs, alternative digital cash systems exist, such as BSV. BSV facilitates instant, global peer-to-peer payments with minimal fees. It supports a wide range of transaction types, from simple cash transfers to complex smart contracts that trigger payments based on predefined conditions.

尽管对 CBDC 提出了合理的担忧，但替代的数字现金系统仍然存在，例如 BSV。 BSV 以最低的费用促进即时、全球点对点支付。它支持多种交易类型，从简单的现金转移到根据预定义条件触发付款的复杂智能合约。

While BSV is not fully anonymous, it provides privacy by timestamping all transactions on a public ledger. Its global scalability allows individuals worldwide to use BSV for its intended purpose: frictionless, electronic peer-to-peer cash payments.

虽然 BSV 并非完全匿名，但它通过在公共分类账上对所有交易添加时间戳来提供隐私。其全球可扩展性允许世界各地的个人使用 BSV 来实现其预期目的：无摩擦、电子点对点现金支付。

Ideal Solution and BSV Blockchain

理想的解决方案和 BSV 区块链

The ideal solution, according to the author, would be for central banks to issue CBDCs on a scalable public blockchain like BSV. This would enable citizens to benefit from the advantages of digital currencies while mitigating government control.

作者认为，理想的解决方案是央行在 BSV 等可扩展的公共区块链上发行 CBDC。这将使公民能够从数字货币的优势中受益，同时减轻政府的控制。

However, the widespread adoption of BSV Blockchain for CBDCs is currently unlikely. Few understand its ability to scale to global payment volumes. With increased education and time, this perception may change.

然而，目前 CBDC 广泛采用 BSV 区块链的可能性不大。很少有人了解其扩展到全球支付量的能力。随着教育程度和时间的增加，这种看法可能会改变。

Conclusion

结论

The implementation of the digital euro faces significant political and technical challenges. It is unlikely to become a reality before 2028-2029. While CBDCs offer potential benefits, concerns about government control and the impact on private payment providers must be carefully considered. Alternative digital cash systems like BSV provide a viable option for those seeking a scalable, private, and user-friendly payment solution.

数字欧元的实施面临着重大的政治和技术挑战。在2028-2029年之前不太可能成为现实。虽然 CBDC 提供了潜在的好处，但必须仔细考虑对政府控制以及对私人支付提供商的影响的担忧。 BSV 等替代数字现金系统为那些寻求可扩展、私密且用户友好的支付解决方案的人提供了可行的选择。