央行数字货币:哪些因素决定其采用?

Q2 Economics, Econometrics and Finance

Buletin Ekonomi Moneter dan Perbankan Pub Date : 2022-06-20 DOI:10.21098/bemp.v25i1.1979

Novi Maryaningsih, Suahasil Nazara, F. Kacaribu, Solikin M. Juhro

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引用次数: 6

摘要

本文试图使用有序probit模型解释新兴国家和发达国家中央银行数字货币(CBDC)采用的差异。基于跨国数据集，我们表明，在金融市场发达、跨境交易较多的国家，批发CBDC更为先进。零售CBDC在金融包容性较低和非正规经济规模较大的国家更为发达。我们进一步表明，不同因素影响新兴和发达国家零售CBDC的采用。然而，跨境交易是影响新兴和发达国家大规模采用CBDC的最关键因素。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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CENTRAL BANK DIGITAL CURRENCY: WHAT FACTORS DETERMINE ITS ADOPTION?

This paper attempts to explain the differences in Central Bank Digital Currency (CBDC) adoption across emerging and advanced countries using an ordered probit model. Based on a cross-country dataset, we show that wholesale CBDC is more advanced in countries with developed financial markets and greater cross-border transactions. Retail CBDC is more advanced in countries with lower financial inclusion and a large informal economy. We further show that different factors affect retail CBDC adoption across emerging and advanced countries. However, cross-border transactions are the most crucial factor influencing wholesale CBDC adoption across emerging and advanced countries.

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来源期刊

Buletin Ekonomi Moneter dan Perbankan Economics, Econometrics and Finance-Finance

CiteScore

2.20

自引率

0.00%

发文量

审稿时长

5 weeks