Bank of Korea takes first step to adopt centralized digital currency디지털화폐도입

[김우정]

한국은행이 디지털화폐도입을 위한 움직임을 시작했습니다.
디지털화폐, 즉 CBDC는 디지털사회로 가기위해불가피한 금융수단입니다.
CBDC는 소매용 및 범용 CBDC와 도매용 CBDC의 두 가지 형태로 제공됩니다.
향후 CBDC의 전개방향이 주목됩니다.
 
Bank of Korea takes first step to adopt centralized digital currency
한국은행이 중앙화된 디지털 화폐 도입을 위한 첫발

By Lee Yeon-woo
Posted : 2023-10-04 15:59 Updated : 2023-10-04 17:43
Korea Times

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 The Bank of Korea (BOK) announced its first move toward adopting a central bank digital currency (CBDC). A CBDC is a new form of digital money issued by a central bank.
CBDC는 중앙은행이 발행하는 새로운 형태의 디지털 화폐로, 한국은행이 중앙은행 디지털 화폐(CBDC:central bank digital currency) 를 도입하기 위한 첫 움직임을 발표했다.

The BOK, the Financial Services Commission (FSC), and the Financial Supervisory Service (FSS) made a joint announcement, Wednesday, unveiling a project that will assess the viability of a future monetary system grounded on "wholesale CBDCs."
한국은행과 금융위원회, 금융감독원은 어제 공동으로 “도매 CBDC”를 기반으로 한 미래 통화제도의 실행 가능성을 평가하는 계획을 발표했다.

This project is a collaborative effort between the public and private sectors, initially involving the participation of commercial banks. Experts from the Bank for International Settlements (BIS) have been providing technical advice on the design and development of the network since its preparation stage.
이 사업은 공공과 민간이 공동으로 추진하는 사업으로, 초기에는 시중은행이 참여하고 있으며, 국제결제은행(BIS)의 전문가들이 네트워크의 설계 및 개발에 대한 기술적 자문을 준비단계부터 수행하고 있다.
 
A CBDC comes in two forms: retail and general-purpose CBDCs and wholesale CBDCs. While the former is directly accessible to general economic entities, such as households and businesses, the latter is only available to financial institutions for the purposes of interbank fund transfers and final settlements.
CBDC는 소매용 및 범용 CBDC와 도매용 CBDC의 두 가지 형태로 제공된다. 전자는 가계 및 기업과 같은 일반 경제주체가 직접 접근할 수 있지만, 후자는 은행간 자 이체 및 최종 결제목적으로만 금융기관이 이용할 수 있다.

Commercial banks will utilize wholesale CBDCs for interbank fund transfers and financial settlements among financial institutions, similar to their current practice of utilizing deposits in their current accounts at the BOK to facilitate such transactions. The banks will issue payment instruments in the form of tokenized deposits within the network managed jointly by the BOK, FSC and FSS. These payment instruments will be circulated securely within the network, the central bank said.
시중은행들은 이러한 거래를 용이하게 하기 위해 현재 한은의 경상수지 예금을 활용하는 것과 유사하게 은행간 자금이체 및 금융결제에 도매 CBDC를 활용할 예정이다. 은행들은 한은, 금감위, 금감원이 공동으로 관리하는 네트워크 내에서 토큰화된 예금 형태로 지급수단을 발행할 예정이다. 이 지급수단들은 네트워크 내에서 안전하게 유통될 것이라고 한은은 말했다.

"According to research from the BIS this July, more than half of the worldwide central banks are running pilot projects on CBDC, and more than 24 countries are expected to adopt CBDC by 2030," said First Deputy Governor of FSS Lee Myung-soon, during a press meeting held at the BOK on Wednesday.
이명순 금감원 수석부원장은 19일 한은에서 기자간담회를 열고 "올해 7월 BIS 조사 결과 전 세계 중앙은행의 절반 이상이 CBDC에 대한 시범사업을 진행하고 있고, 2030년까지 24개국 이상이 CBDC를 도입할 것으로 예상된다"고 밝혔다.

"The BOK has persistently pursued technological research related to CBDC. This test, building upon past achievements, represents a significant step towards creating a prototype for the future monetary system," Lee added.
"한국은행은 CBDC와 관련된 기술적 연구를 지속적으로 추진해 왔다. 과거의 성과를 바탕으로 구축된 이 테스트는 미래의 통화 시스템의 원형을 만들기 위한 중요한 단계를 나타낸다."라고 이 부원장은 덧붙였다.
 

From left, the Bank of Korea (BOK) Senior Deputy Governor Ryoo Sang-dai, the Financial Services Commission (FSC) Vice Chairman Kim So-young, and Financial Supervisory Service (FSS) First Deputy Governor Lee Myung-soon explain their plans on testing a central bank digital currency during a press meeting at the BOK's headquarters, Wednesday. Joint Press Corps 왼쪽부터 류상대 한국은행 수석부총재, 김소영 금융위원회 부위원장, 이명순 금융감독원 수석부원장이 수요일 한국은행 본점에서 기자간담회를 갖고 중앙은행 디지털화폐 테스트 계획에 대해 설명하고 있다. 공동기자단

For the first time globally, real-world experiments will be conducted, albeit on a limited scale. A portion of the public will have the opportunity to participate, experiencing the advantages of these new digital payment instruments firsthand. Following the required system setup, this phase is anticipated to begin around the fourth quarter of next year.
비록 제한된 규모이지만, 전 세계적으로 실제 실험이 진행되는 것은 이번이 처음으로, 일부 대중들이 새로운 디지털 결제수단의 장점을 직접 경험하면서 참여할 수 있는 기회를 갖게 될 것이다. 필요한 시스템설정에 따라, 이 단계는 내년 4분기쯤 시작될 것으로 예상된다.

The current urgency to research the future of digital financial infrastructure is intensifying as the shift towards a digital economy accelerates, and the usage of cash significantly decreases.
디지털 경제로의 전환이 가속화되고 현금 사용이 크게 감소함에 따라 디지털 금융인프라의 미래를 연구해야 하는 현재의 시급성은 더욱 커지고 있다.

Developing nations such as Nigeria and the Bahamas have already adopted a general-purpose CBDC, while China is aggressively expanding its pilot systems. The European Union announced its Single Current Package to prepare the legal basis for a digitalized euro. The U.S., Japan and the U.K. are currently researching relevant technology.
나이지리아, 바하마 등 개발도상국은 이미 범용 CBDC를 채택했으며 중국은 시범 시스템을 적극적으로 확대하고 있고, 유럽연합은 디지털화된 유로화의 법적 기반 마련을 위한 '단일화폐 패키지'를 발표했으며, 현재 미국, 일본, 영국 등이 관련 기술을 연구 중에 있다.

"Global central banks are closely watching this test, as it is conducted in cooperation with the BIS," said Ryoo Sang-dai, senior deputy governor of the BOK.
류상대 한국은행 부총재는 "이번 테스트는 BIS와 협력하여 진행되기 때문에 글로벌 중앙은행들이 예의주시하고 있다"고 말했다.

"Together with the BOK, we will bring some expertise and the know-how of running the experiments. But we're also very keen to learn from the BOK's own expertise and from the direct experience of running a wholesale CBDC project in an economy as developed and digitized as Korea," said Cecilia Skingsley, Head of BIS Innovation Hub.
세실리아 스킹슬리 BIS 이노베이션 허브 대표는 "한은과 함께 전문성과 실험 운영 노하우를 가져올 것"이라며 "그러나 우리는 또한 한국처럼 발전되고 디지털화된 경제에서 도매 CBDC 프로젝트를 운영한 직접적인 경험으로부터 배우고자 한다"고 말했다.

However, the central bank emphasized that this project is aimed at exploring an optimal CBDC design, which is suitable for Korea's economic situation, and does not imply the official introduction of CBDC. The central bank also pledged to continue its research on retail and general-purpose CBDCs.
그러나 한은은 이 사업이 우리나라 경제 상황에 맞는 최적의 CBDC 설계를 모색하기 위한 것이지 CBDC의 공식 도입을 의미하는 것은 아니라고 강조하고 소매용과 범용 CBDC에 대한 연구를 지속하기로 약속했다.

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