CBDC 정책 방향성 및 대응 전략 : 금융권과 제도권을 중심으로
CBDC Policy Direction and Strategies : Focusing on the Financial and Institutional Sectors
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초록
본 연구는 디지털 경제로의 급속한 전환과 중앙은행 디지털 화폐(CBDC)의 전 세계적인 연구개발 및 도입 추세에 주목하여 미국, 중국, 유럽연합, 일본 및 한국을 포함한 주요 국가들의CBDC 연구 및 개발 동향을 분석한다. 이러한 국제적 동향을 반영하여 한국은 국내외 결제시스템의 효율성 증진을 위해 소매 및 도매 CBDC 개발하고 도입을 검토하고 있다. 본 논문은CBDC가 한국 금융 시장에 미칠 영향을 분석하고, 금융기관과 제도권이 취해야 할 전략적대응을 제안한다.
Abstract
This study analyzes the trends of central bank digital currency (CBDC) in majorcountries including the United States, China, the European Union, Japan, andKorea, focusing on the rapid transition to the digital economy and the globalresearch, development, and adoption trends of CBDC. Reflecting theseinternational trends, Korea is developing and considering the introduction ofboth retail CBDC and wholesale CBDC to enhance the efficiency of domesticand international payment systems. This paper assesses the impact that CBDCcan have on the Korean financial market and suggests strategic responses forfinancial and institutional sectors to adopt.
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