Nekuwedzera kuri kuita digitalization mumakore gumi apfuura, yekutanga kukwira kumusoro kwemari yedhijitari yakaonekwa apo crypto currencies yakatora ndege nyowani muhupfumi hwenyika, ichiteverwa nehupfumi hweIndia.
Inongori nguva yekuti hupfumi hutange yavo chaiyo mari yedhijitari nekuda kwekukurumidza kutamisa uye nguva dzekutengeserana dzakabatana navo.
Kwete izvozvo chete, kubhadhara kunoitwa kuburikidza nemari yedhijitari mutengo wakaderera zvakanyanya uye nekukasira pakare kana uchienzaniswa nenyama manotsi nemari.
India yave kuda kupupurira miedzo yayo yekutanga yeCentral Bank Digital Currency neRBI - digital rupee mumwedzi waZvita gore rino.
Chii chinonzi Central Bank Digital Currency (CBDC)?
Tisati tasvetukira kune kukosha kwemari yedhijitari, ngatitangei kunzwisisa kuti chii chaizvo.
Iyo Reserve Bank yeIndia inotsanangura Central Bank Digital Currency setenderi yepamutemo inopihwa pasi kana nebhangi repakati muchimiro chayo chedhijitari. Inobata kukosha kwakafanana / kukosha semari yefiat iripo pamusika uye inotsinhaniswa nenzira dzakafanana nemari yepanyama.
Iyo e-currency launch innovation yakaitika kuitira kushandura nzira iyo mari inogona kubatwa uye kushandiswa nayo, kushanda chinangwa chemangwana. Mutevedzeri waGavhuna weRBI akataurawo kuti mari yedhijitari yeIndia yakangofanana sei nemari yenyama, iripo chete mune imwe fomu.
Digital currency inogonawo kunzi iyo chaiyo fomu yemari yepanyama.
CBDC ichapa yakakwira kuchinjika, kunyatsoita, uye mutengo-kubudirira nekubvumira vanhu mamiriro ekubata mari isina musono. Kungofanana nemari yepanyama, e-currency iri kuzoshanda semutoro kubhangi repakati kana yapihwa.
Mari yemagetsi inotonga inogonawo kuchinjwa pamwe chete nemari, sezvakataurwa naVaSankar - RBI mutevedzeri wagavhuna.
Ungabhadhara sei neCBDCs?
Kana iwe uchiziva kubhadhara kuburikidza nedhijitari wallet, iwe unotoziva zvakanyanya nezve mabhadharo neCBDC achashanda. Iyo Reserve Bank yeIndia ichapa yakagadziriswa mari yedhijitari iyo vagari veIndia vanozogamuchira mumagetsi fomu uye kushandisa nenzira imwe cheteyo.
Mari iyi, zvisinei, ichatenderwa kuchinjaniswa nemari yakaoma kana ichidiwa.
Nokubhadhara kuburikidza neCBDC, hapachazoda kubhadharwa kweinterbank sezvo mari yakabhadharwa kana kugamuchirwa yaizogadziriswa zvakananga, kuti inogadziriswa sei paunogamuchira kana kubhadhara chinyorwa chemuviri chekutengeserana.
Kusiyana neCryptocurrencies, CBDCs haina kuderedzwa.
Ichadzorwa uye kupihwa nebhanga guru renyika kana masimba emari. Nekudaro, hupfumi nehuridzi hwemari huchafambiswa kana kupfuudzwa pasina matambudziko nekuitwa kuri nyore kwese mari nezvemari.
Izvi zvinozotungamira mukuyananisa data uye nekugonesa zvakanyanya kugovera zviwanikwa kutenderera nyika.
Nei bhanga repakati reIndia richida zvikuru kuburitsa mari yedhijitari?
Kunze kweIndia, 83 dzimwe nyika dzakatotanga kutevera kuvandudzwa kweCBDC kubvira 2011. Kubva kuSweden kusvika kuUnited States, hapana hupfumi hukuru husati hwatotanga kuenda kudhijitari nemari yavo.
Bhanga repakati reIndia, zvakare, richifunga nenzira imwecheteyo, ranzwisisa kuwedzera kuri kudiwa kwemari yedhijitari, kunyanya mushure mekusimuka kwemari yakazvimirira yedhijitari seBitcoin neEthereum, yatinodaidzawo pamwe chete kuti cryptocurrencies.
Ese mabhanga epakati anopa mari yedhijitari anoita seyakazvimirira-inotsigirwa uye yakavimbika imwe nzira kune yakavanzika mari yedhijitari, kuchengetedza vanhu kubva mukusagadzikana uye mitemo yekutonga yakafanana.
Mutengo wekuburitsa mari yedhijitari zvakare wakaderera zvakanyanya pane kudhinda uye kugovera yazvino fiat currency muhupfumi. Kana iyo dijitari rupee yagadzirwa, inogona kubviswa pakati pehuwandu pasina kunetsekana, pamutengo ungangoita zero.
Sezvo RBI yaizokwanisa kutarisa nyore mari yedhijitari, yaizoita kuti ese e-cash inotenderera muhupfumi itaridzike, kusiyana nemari yepanyama.
Izvi zvaizoita kuti bhanga guru rikwanise kudzora mari yedhijitari uyewo kudzikisa nyaya dzinouya nemari dzakaoma, dzakaita sehuwori nechiokomuhomwe.
Mukufamba kwenguva, ichaita sechivakwa chekuvaka hupfumi hweIndia, iine zvese zviri kuitwa dijitari uye kutariswa pasi petiweki yekuchengetedzwa kwepamusoro uye nyore kuteedzera.
Denda reCovid-19 rakakonzera bhanga guru reIndia kuti vakurumidze kuongorora, kuronga, uye kuita mari yedhijitari. Nehupfumi hwakadzima uye mabhizinesi achifamba pamhepo, kubhadhara kwaenda zvakanyanya.
Vanhu zvino vanosarudza kushandisa e-yekubhadhara modhi pachinzvimbo chemari-yakaoma kuti vadzivise chero kusangana kusiri madikanwa nevasingazive vanogona kutapukirwa. Nokudaro, kutanga e-currency kwaiva kufamba kwakanaka, shure kwezvose, kuitira kuti uenderane nekuchinja nguva.
Chekupedzisira asi chisiri chidiki, kuchinjika kune e-currency kuchapa kubatanidzwa kwemari kwakajeka, kunyanya munyika yakakura uye yakasiyana seIndia, sezvo vanhu kwese kupi uye kupi zvako vachange vaine mari yekuwana uye kugadzikana maererano nemari yavo.
Izvi zvaizobatsira vanhu vari kunzvimbo dziri kure kuti vawane mari iri nyore yavanogona kushandisa uye kunyange kutumira kumusha pazvinenge zvichidiwa, pasina dambudziko rekutumira mari yakaoma kuburikidza neposvo.
Central Bank inotora tokenization
Kuti uvandudze kuchengetedzeka kwedata uye kuvimbika kwekutengeserana, Reserve Bank yeIndia yafunga kushanda pachiyero chetokenization kuburikidza nekutanga kwayo mari yedhijitari.
Sezvo munhu wese, kubva kumakambani, vanhu kuenda kune dzimwe nyika vakabata data rakadzama navo uye mukati mehurongwa hwavo, tokenization ichabatsira kuchengetedza iyi data nekubvisa / kubvisa chero ruzivo rwakakosha rwuripo uye kuchitsiva nematokeni.
Kutevedzana kweruzivo kunopatsanurwa kuita tambo diki senge mazwi akakosha, mitsara, kana tokens zvinotungamira kune yakatsetseka kubhadhara kutengeserana uye vakachengetedzwa vashandisi.
Tokenization inovavarira kuchengetedzeka kuri nani kwehurongwa hwese hwekubhadhara, kuchengetedza vashandisi / vagari kubva pakubiwa uye zvikumbiro zvisirizvo. Izvi zvichaitwa nekutsiva iyo chaiyo ine chekuita nemari nekodhi yakakosha iyo inogona kunzi chiratidzo.
Bhanga repakati rakavimbisa ma tokenization masevhisi kune vagari varo nechinangwa chekutora zvingangoita zvese zvinogoneka zvepamhepo, kuve nechokwadi chekureruka uye kuchengetedzeka mukutengesa kadhi.
Ko CBDC yakafanana neye cryptocurrencies?
Muchidimbu, kwete. Cryptocurrencies haina kukosha kwemukati kubva pari zvino, uye kunyangwe iri kugamuchirwa senzira yekubhadhara, uye Bitcoin inoonekwawo setenderi yepamutemo mune imwe nyika, hapana changamire masimba anotsigira cryptocurrencies.
Kuvepo kwese kwemari yekristpto kwakavakirwa pavashandisi vasingazivikanwe kana mapoka evashandisi vasina wechitatu bato rinobvumidza uye rinoteedzera kutengeserana.
Kunewo muganhu wehuwandu hwemari inogona kupiwa sekriptovalty (21 miriyoni munyaya yeBitcoin), nepo pasina muganho pakuburitswa kwebhangi repakati mari yedhijitari, chero inflation ichitarisirwa.
Yese mari yedhijitari yakapihwa nepakati mabhanga ichave nerutsigiro rwemasangano emari ayo anovimbisa kugadzikana kwemari kwehupfumi nevanhu vayo.
Kuenzanisa CBDC neBlockchain
Blockchain haisi nguva itsva kune vazhinji vedu. Iyo network inorekodha ruzivo rwemushandisi nenzira dzinoita kuti zvisaite kubira, kushandura kana kubiridzira sisitimu. Yese cryptocurrencies inoshanda pane blockchain network.
Nekudaro, maCBDC haasi kuzoshandisa network yedhijitari yakagoverwa senge blockchain uye ichadzorwa, inotariswa, inodzorwa uye inoshandiswa nechiremera chine chiremera munyika imwe neimwe, sekuIndia.
Kutangwa kweCBDC kunoudza Reserve Bank yeIndia nezvekuti imarii chaizvo inobatwa naani, izvo zvisiri izvo nekutengeserana kunoitika pa blockchain network.
CBDCs haisi kuzosungirirwa kune chero mari yefiat sezvo iri mari yefiat yega, senge mabatirwo emari ekriptom pamari dzakasiyana dzefiat pasirese.
Izvi zvinoreva kuti iyo CBDC vhezheni yeIndia National Rupees ichashanda zvakangofanana nebhiri reRupee muIndia kana pasirese.
Nekudaro, blockchain neCBDC pfungwa dzinopokana zvachose uye mari yebhangi repakati dhijitari haisi kuzotsamira pane blockchain network kuti ishande.
Tinoda chaizvo CBDC muIndia?
Chokwadi, tinodaro. India parizvino iri kupupurira shanduko yakanaka maererano nemagadzirirwo ayo ekubhadhara kwedhijitari. Vanhu vakawanda vatanga kushandisa e-wallet kutenga zvigadzirwa pamhepo uye kunyange pasina.
Mutengo wekutengeserana kwakadaro muIndia wakadzikira izvozvi, uye haina kukwanisa kutumira chiratidzo chiri nani kutanga e-currency zvachose, kumisikidza uye kutonga dhijitari yekubhadhara rwizi zvakatowedzera.
Nyika shanu dzakatotangisa CBDC, kusanganisira Saint Kitts neNevis, Grenada.
Bahamas, Antigua neBarbuda, uye Saint Lucia. Kunze kwehupfumi uhwu, dzimwe nyika gumi neina dzine hupfumi hukuru seSouth Korea neSweden dzakaparurawo vatyairi vadzo veCBDC.
Kunyangwe bhanga repakati reChina, People's Bank of China, rakaparura Yuan's digital version mumaguta akasiyana siyana.
Kuti ufambe mutsipa uchienda kumutsipa uine chishuwo chakadai chesimba repasi rose, zvinongodiwa kuti India ipindire uye itore imwe yemabhenefiti ekutanga pane tekinoroji iri kukura uye ramangwana rayo.
RBI's digital currency uye ramangwana riri mberi
Zvitatidzo zvakati zvakaraswa zvine chekuita nezviri kuitwa nemabhanga makuru kana mari yavo yedhijitari yatanga.
Vamwe vanoti mabhanga makuru ari kuzoisa chirango pakutora mari kuitira kuti vanhu vaderedze kutora mari panzvimbo pekuchengeta mari yedhijitari. Vamwe vanotiwo mabhanga epakati ari kutotora huwandu hwemari yeCBDC nemunhu wega wega.
Zvakanaka, chii chaizvo chichaitika chichaonekwa chete kana mari yedhijitari yatangwa. Nekudaro, chii chiri chiitiko chechokwadi ndechekuti Reserve Bank yeIndia yese yagadzirira kuti pakupedzisira iite iyo isiri-itsva pfungwa yekuenda yakazara dijitari kumberi kwayo kwemari.
Kunyangwe kugamuchirwa kwakazara kwemari yedhijitari kungatora mamwe makore mashoma, ichokwadi danho rekutanga mune ramangwana rehunyanzvi, uye bhangi repakati reIndia richawedzera zvakafanana.
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