Tutocin Babban Bankin Indiya suna Haɗari a cikin Amincewar CBDC A Tsakanin Rashin Zaman Lafiya

Babban bankin Indiya ya nuna damuwa game da yiwuwar hadarin da Babban Bankin Digital Currencies (CBDCs) zai iya haifarwa, musamman a lokacin rikicin kudi, a cewar wani rahoto daga. Kasuwancin Kasuwanci. Michael Debabrata Patra, Mataimakin Gwamnan Babban Bankin Indiya (RBI), ya yi gargadin cewa za a iya yin kuskuren kallon CBDCs a matsayin "maboya mai aminci" yayin rudanin tattalin arziki, don haka kara yuwuwar gudanar da banki.

Patra ya lura cewa yayin da ake haɓaka CBDCs sau da yawa don iyawar su don haɓaka haɗakar kuɗi da rage haɗarin sasantawa, suna iya lalata tsarin banki da gangan. Ya yi gargadin cewa a cikin wani rikici, fahimtar CBDCs a matsayin mafi aminci fiye da asusun ajiyar banki na gargajiya na iya haifar da janyewar jama'a, yana kara tsananta rashin zaman lafiya.

"Dangantaka tsakanin CBDCs da inshorar ajiya yana da rikitarwa kuma yana haɓakawa," in ji Patra, yana mai jaddada cewa masu inshorar ajiya suna buƙatar shirya don al'amuran inda CBDCs ke mamaye ajiyar banki na al'ada. Ya nuna damuwa game da rashin tabbas da ke tattare da CBDCs, musamman yuwuwar su na kawo cikas ga ayyukan banki na gargajiya, da tasiri a matsayin bankunan tsakiya da na kasuwanci, da kuma tayar da batutuwan sirri.

Patra ya kuma bayyana haɗarin da ke tattare da tsarin biyan kuɗi na dijital na 24/7 wanda CBDCs ya kunna. Duk da yake waɗannan tsare-tsaren na iya kawar da haɗarin sasantawa da haɓaka haɗakar kuɗi, suna kuma gabatar da sabbin ƙalubale na aiki, musamman ga bankunan da ke da kaso mai tsoka na masu ajiya na cikin gida.

Indiya ta ƙaddamar da CBDC, e-rupee, a cikin Disamba 2022 a matsayin takwararta ta dijital zuwa kudin fiat ɗin ta. Duk da tabbaci na farko game da keɓantawa da ɓoye suna, karɓar e-rupee ya kasance a hankali, tare da rahoton RBI ya ba da rahoton hada-hadar tallace-tallace miliyan 1 kawai a watan Yuni 2023. Wannan ci gaban ya samu ne bayan da bankunan gida suka ƙarfafa amfani da shi ta hanyar rarraba wani ɓangare na albashin ma'aikatansu kudin dijital.

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