{"id":37777,"date":"2022-10-18T09:18:05","date_gmt":"2022-10-18T07:18:05","guid":{"rendered":"https:\/\/www.monempresarial.com\/2022\/10\/17\/central-bank-digital-currencies\/"},"modified":"2025-07-16T12:43:38","modified_gmt":"2025-07-16T10:43:38","slug":"central-bank-digital-currencies","status":"publish","type":"post","link":"https:\/\/www.monempresarial.com\/ca\/2022\/10\/18\/central-bank-digital-currencies\/","title":{"rendered":"El concepte econ\u00f2mic: <em>Central Bank Digital Currencies<\/em>"},"content":{"rendered":"<h4><strong>JOS\u00c9-MAR\u00cdA CASADO RAIG\u00d3N. Deg\u00e0-president del Col\u00b7legi d\u2019Economistes de C\u00f2rdova.<br \/>\n<\/strong><\/h4>\n<hr \/>\n<p><strong>Noves tecnologies financeres i primers esfor\u00e7os per a la moneda digital (CBDC)<\/strong><br \/>\nL&#8217;arribada de les noves tecnologies financeres (<em>Fintech<\/em>) els darrers anys ha produ\u00eft un canvi profund en el sistema bancari. Davant les fortes innovacions digitals, s&#8217;han introdu\u00eft, amb m\u00e9s o menys \u00e8xit des del 2008, monedes digitals descentralitzades i sistemes de pagament sense banc central. Es tracta d&#8217;una tecnologia <em>peer-to-peer<\/em> utilitzada per a transaccions entre parts. El control i la supervisi\u00f3 hi s\u00f3n inexistents, amb la qual cosa han proliferat les estafes. L&#8217;arribada del <em>criptocrash<\/em> ha estat conseq\u00fc\u00e8ncia de la p\u00e8rdua de confian\u00e7a del mercat en aquests actius \u2014de vegades atrapats en <em>corralitos<\/em> i bloquejos de comptes\u2014, que ha comen\u00e7at a vendre enmig d&#8217;importants moviments especulatius. La caiguda de les criptomonedes no s&#8217;ha fet esperar enmig d&#8217;un marem\u00e0gnum de nous termes i els seus acr\u00f2nims corresponents, que fan refer\u00e8ncia a aquests complexos productes financers.<\/p>\n<p><strong>Moneda digital i bancs centrals<\/strong><br \/>\nEn aquest nou context conf\u00fas, prof\u00fas i dif\u00fas, en qu\u00e8 no nom\u00e9s t\u00e9 cabuda el fenomen <em>Fintech<\/em>, sin\u00f3 tamb\u00e9 els canvis que es produeixen en els h\u00e0bits de pagament de llars i empreses, els Bancs Centrals dels principals pa\u00efsos, i, per descomptat, l&#8217;Eurosistema, estan dedicant des de fa algun temps i, cada cop m\u00e9s intensament, recursos i esfor\u00e7os per introduir una moneda digital com a complement, en major o menor mesura, dels diners f\u00edsics, i, potser, algun dia reempla\u00e7ar-los.<br \/>\nCom ja va passar en el passat remot, quan aquests pa\u00efsos van ser els primers d\u2019emetre bitllets i paper moneda (S. VII), Su\u00e8cia i la Xina es troben tamb\u00e9 avui al capdavant a la l\u00ednia de sortida per a l&#8217;emissi\u00f3 de monedes digitals de Banc Central (CBDC). El que al principi es va valorar com la forma m\u00e9s definitiva de diners, els diners f\u00edsics, sembla estar en vies de desaparici\u00f3, substitu\u00efts per tel\u00e8fons intel\u00b7ligents i altres aven\u00e7os a les <em>Fintech<\/em>.<br \/>\nEncara hi ha algunes preguntes sense resposta sobre l&#8217;euro digital o altres monedes similars, per\u00f2 el cert \u00e9s que aquest ser\u00e0 tan fort i cre\u00efble com el Banc Central que el representi. Les incerteses plantejades fins ara suggereixen la conveni\u00e8ncia d&#8217;adoptar un enfocament cautel\u00f3s en adoptar el concepte de CBD.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&#8217;arribada de les noves tecnologies financeres (Fintech) els darrers anys ha produ\u00eft un canvi profund en el sistema bancari. Davant les fortes innovacions digitals, s&#8217;han introdu\u00eft, amb m\u00e9s o menys \u00e8xit des del 2008, monedes digitals descentralitzades i sistemes de pagament sense banc central.<\/p>\n","protected":false},"author":52,"featured_media":37775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"mc4wp_mailchimp_campaign":[],"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"bottom","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"0","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"0","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"1"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-715","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"10845","hide":""}},"categories":[10815,10845,10729,7674,7670],"tags":[10648,113,931,10244,10647],"_links":{"self":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts\/37777"}],"collection":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/comments?post=37777"}],"version-history":[{"count":4,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts\/37777\/revisions"}],"predecessor-version":[{"id":46518,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts\/37777\/revisions\/46518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/media\/37775"}],"wp:attachment":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/media?parent=37777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/categories?post=37777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/tags?post=37777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}