{"id":1079,"date":"2023-02-21T17:56:01","date_gmt":"2023-02-21T16:56:01","guid":{"rendered":"https:\/\/bankaroku.cz\/?page_id=1079"},"modified":"2023-02-27T12:55:43","modified_gmt":"2023-02-27T11:55:43","slug":"cbdc","status":"publish","type":"page","link":"https:\/\/bankaroku.cz\/cbdc\/","title":{"rendered":"Konference CBDC"},"content":{"rendered":"\n<p><a href=\"https:\/\/bankaroku.cz\/cbdcen\/\" data-type=\"URL\" data-id=\"https:\/\/bankaroku.cz\/cbdcen\/\">English version<\/a> <\/p>\n\n\n\n<p>N\u011bkdo chce pr\u00e1vo na hotovost kotvit do \u00fastavy, pro jin\u00e9ho je hotovost koncept zral\u00fd na odeps\u00e1n\u00ed a zavedl by u\u017e jen bezhotovostn\u00ed styk. R\u00fdsuje se ale t\u0159et\u00ed cesta: digit\u00e1ln\u00ed pen\u00edze neboli CBDC (Central Bank Digital Currency). N\u011bkter\u00e9 centr\u00e1ln\u00ed banky u\u017e je spustily, des\u00edtky dal\u0161\u00edch se chystaj\u00ed. V Praze v kv\u011btnu pod z\u00e1\u0161titou Mastercard Banky roku a Corrency na toto t\u00e9ma prob\u011bhne v\u00fdjime\u010dn\u00e1 konference, na kterou se sjedou bankovn\u00ed \u0161pi\u010dky z cel\u00e9 Evropy.<\/p>\n\n\n\n<p>T\u00e9ma CBDC je ve sv\u011bt\u011b financ\u00ed hork\u00e9 t\u00e9ma. Jde vlastn\u011b o stejnou hotovost, jako m\u00e1te v kapse. Jen ji m\u00e1te nahranou v&nbsp;digit\u00e1ln\u00ed pen\u011b\u017eence ve sv\u00e9m mobilu. Nejde o \u017e\u00e1dn\u00fd bl\u00e1zniv\u00fd koncept rozvojov\u00fdch zem\u00ed nebo ropn\u00fdch ekonomik, svou verzi digit\u00e1ln\u00edho eura u\u017e p\u0159ipravuje Evropsk\u00e1 centr\u00e1ln\u00ed banka. Tak\u017ee kdo v\u00ed, \u010d\u00edm budeme za p\u00e1r let vlastn\u011b platit. Na sv\u011bt\u011b u\u017e 11 centr\u00e1ln\u00edch bank sv\u00e9 digit\u00e1ln\u00ed m\u011bny spustilo a 17 u\u017e pro n\u011b rozjelo pilotn\u00ed program. P\u0159es dal\u0161\u00edch 70 zem\u00ed bu\u010f na pilotn\u00edm projektu pracuje nebo se principem CBDC zab\u00fdv\u00e1.<\/p>\n\n\n\n<p>Podle mnoh\u00fdch z\u00e1stupc\u016f bankovn\u00edho sektoru s&nbsp;sebou digit\u00e1ln\u00ed m\u011bny zav\u00e1d\u011bn\u00e9 centr\u00e1ln\u00edmi bankami nesou riziko. Banky se mimo jin\u00e9 ob\u00e1vaj\u00ed, \u017ee lid\u00e9 i spole\u010dnosti se mohou rozhodnout dr\u017eet sv\u00e9 pen\u00edze v&nbsp;digit\u00e1ln\u00edch pen\u011b\u017eenk\u00e1ch m\u00edsto na bankovn\u00edch \u00fa\u010dtech. To by pro bankovn\u00ed sektor, z\u00e1visl\u00fd na p\u016fj\u010dov\u00e1n\u00ed pen\u011bz a \u00faroc\u00edch, znamenalo probl\u00e9m.<\/p>\n\n\n\n<p>Evropsk\u00e1 centr\u00e1ln\u00ed banka moment\u00e1ln\u011b \u010dek\u00e1, jak na pl\u00e1ny na digit\u00e1ln\u00ed euro zareaguje ve\u0159ejnost. Ve st\u0159edu 22. \u00fanora se kv\u016fli t\u00e9matu digit\u00e1ln\u00edho eura potk\u00e1vaj\u00ed evrop\u0161t\u00ed centr\u00e1ln\u00ed bank\u00e9\u0159i na severu Finska. ECB se tak\u00e9 sna\u017e\u00ed vyvr\u00e1tit obavy, aby digit\u00e1ln\u00ed m\u011bny nedaly st\u00e1t\u016fm \u00farove\u0148 kontroly vedouc\u00ed k&nbsp;projekt\u016fm, jako je soci\u00e1ln\u00ed kredit v&nbsp;\u010c\u00edn\u011b.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-yellow-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<ul class=\"wp-block-list\">\n<li>Zkratka CBDC odkazuje na digit\u00e1ln\u00ed verzi klasick\u00fdch m\u011bn vyd\u00e1van\u00fdch centr\u00e1ln\u00edmi bankami. Ulo\u017eena je nap\u0159\u00edklad v&nbsp;digit\u00e1ln\u00ed pen\u011b\u017eenk\u00e1ch chytr\u00fdch telefon\u016f. A\u010dkoliv je tak\u00e9 digit\u00e1ln\u00ed, od kryptom\u011bn se z\u00e1sadn\u011b li\u0161\u00ed t\u00edm, \u017ee jsou p\u0159\u00edmo kontrolov\u00e1ny danou centr\u00e1ln\u00ed bankou. Transakce pomoc\u00ed CBDC jsou levn\u00e9, rychlej\u0161\u00ed a poskytuj\u00ed v\u011bt\u0161\u00ed bezpe\u010dnost.<\/li>\n\n\n\n<li>V\u00fdvoj digit\u00e1ln\u00edch m\u011bn je p\u0159\u00edmou reakc\u00ed centr\u00e1ln\u00edch bank na popularitu neregulovan\u00e9ho sv\u011bta kryptom\u011bn. Vize centr\u00e1ln\u00edch bank je takov\u00e1, \u017ee digit\u00e1ln\u00ed m\u011bny budou m\u00edt stejn\u00e9 v\u00fdhody jako kryptom\u011bny, ale bez rizik s&nbsp;nimi spojen\u00fdmi: \u017e\u00e1dn\u00e1 regulace, vysok\u00e1 volatilita a potenci\u00e1l k&nbsp;vyu\u017eit\u00ed p\u0159i podvodech.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Na mezin\u00e1rodn\u00ed konferenci v Praze se o v\u0161ech aspektech CBDC povedou ostr\u00e9 spory. Je skute\u010dn\u011b bezpe\u010dn\u011bj\u0161\u00ed a rychlej\u0161\u00ed, jak tvrd\u00ed zast\u00e1nci digit\u00e1ln\u00ed m\u011bn? Nejde o dal\u0161\u00ed sledov\u00e1n\u00ed ob\u010dan\u016f? Zmiz\u00ed hotovost \u00fapln\u011b?<\/p>\n\n\n\n<p>Z\u00e1stupci Evropsk\u00e9 centr\u00e1ln\u00ed banky, \u0161v\u00e9dsk\u00e9 Riksbank nebo v\u011bhlasn\u00e9 Bank of England se budou p\u0159\u00edt o to, zda nejsou n\u00e1hodou digit\u00e1ln\u00ed m\u011bny n\u00e1strojem, jak\u00fdm m\u016f\u017ee m\u00edt st\u00e1t ve\u0161kerou ekonomiku tot\u00e1ln\u011b pod kontrolou. V Evrop\u011b se prosazuje vize anonymn\u00edch digit\u00e1ln\u00edch pen\u011bz, v \u010c\u00edn\u011b je oproti tomu vid\u011bt, jak m\u016f\u017ee st\u00e1t skrze n\u011b z\u00edskat mnohem v\u011bt\u0161\u00ed kontrolu nad populac\u00ed.<\/p>\n\n\n\n<p>D\u00e1 se nap\u0159\u00edklad CBDC vyu\u017e\u00edt jako kreditn\u00ed sk\u00f3re pro inkluzi p\u0159\u00edchoz\u00edch migrant\u016f, jak to vid\u00edme t\u0159eba ve Finsku? Centr\u00e1ln\u00ed bank\u00e9\u0159i z Lond\u00fdna budou cht\u00edt objasnit, pro\u010d se Bank of England do sv\u00e9 digit\u00e1ln\u00ed libry v\u016fbec pou\u0161t\u00ed.&nbsp;<\/p>\n\n\n\n<p>A hovo\u0159it se bude tak\u00e9 o budoucnosti dnes klasick\u00e9 hotovosti \u2013 zda p\u0159e\u017eije po boku CBDC, nebo zda zmiz\u00ed \u00fapln\u011b.<\/p>\n\n\n\n<p>Pozv\u00e1ni jsou host\u00e9 z Evropsk\u00e9 centr\u00e1ln\u00ed banky, \u0161v\u00e9dsk\u00e9 Riksbank \u010di Bank of England. Krom\u011b nich promluv\u00ed p\u0159edseda N\u00e1rodn\u00ed rozpo\u010dtov\u00e9 rady Mojm\u00edr Hampl,\u00a0\u0161\u00e9f Mastercard \u010cR a SK\u00a0Michal \u010carn\u00fd, b\u00fdval\u00fd \u010dlen bankovn\u00ed rady \u010cNB Old\u0159ich D\u011bdek, hlavn\u00ed ekonom investi\u010dn\u00ed skupiny Natland Petr Barto\u0148, Michal Vod\u0159\u00e1\u017eka z \u010cNB, Petr Kot\u00e1b z Pr\u00e1vnick\u00e9 fakulty UK, zakladatel ocen\u011bn\u00ed Banka roku Petr Stuchl\u00edk, z\u00e1stupci KPMG a Mastercard.\u00a0<\/p>\n\n\n\n<p>Konference se mimo jin\u00e9 z\u00fa\u010dastn\u00ed host\u00e9 z podnikatelsk\u00e9 sf\u00e9ry ze \u0160v\u00fdcarska. Jedn\u00edm z \u00fa\u010dastn\u00edk\u016f bude Hermann Sterzinger, kter\u00fd je zakladatelem a CEO spole\u010dnosti TrustNoteD, kter\u00e1 se celosv\u011btov\u011b zam\u011b\u0159uje na \u0159e\u0161en\u00ed digit\u00e1ln\u00edch m\u011bn centr\u00e1ln\u00edch bank. Mezi dal\u0161\u00edmi panelisty budou Karim Shoukry a Daniel Schwarzbach ze spole\u010dnosti Orell F\u00fcssli, kter\u00e1 je jednou z nejstar\u0161\u00edch tiska\u0159sk\u00fdch spole\u010dnost\u00ed na sv\u011bt\u011b a zab\u00fdv\u00e1 se oblastmi technologi\u00ed, bezpe\u010dnosti a inovac\u00ed.<\/p>\n\n\n\n<p>Debatu bude moderovat Michaela Nov\u00e1kov\u00e1.<\/p>\n\n\n\n<p><strong>Konference se uskute\u010dn\u00ed ve \u010dtvrtek 11. kv\u011btna 2023 ve Spojka Events v Karl\u00edn\u011b, Pernerova 697\/35, Praha.<\/strong> <\/p>\n\n\n\n<p><strong><a href=\"https:\/\/1url.cz\/@bankarokucbdc\" data-type=\"URL\" data-id=\"https:\/\/1url.cz\/@bankarokucbdc\" target=\"_blank\" rel=\"noopener\">Registra\u010dn\u00ed formul\u00e1\u0159 <\/a><\/strong><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>English version N\u011bkdo chce pr\u00e1vo na hotovost kotvit do \u00fastavy, pro jin\u00e9ho je hotovost koncept zral\u00fd na odeps\u00e1n\u00ed a zavedl by u\u017e jen bezhotovostn\u00ed styk. R\u00fdsuje se ale t\u0159et\u00ed cesta: digit\u00e1ln\u00ed pen\u00edze neboli CBDC (Central Bank Digital Currency). N\u011bkter\u00e9 centr\u00e1ln\u00ed banky u\u017e je spustily, des\u00edtky dal\u0161\u00edch se chystaj\u00ed. V Praze v kv\u011btnu pod z\u00e1\u0161titou Mastercard [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"class_list":["post-1079","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/pages\/1079","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/comments?post=1079"}],"version-history":[{"count":14,"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/pages\/1079\/revisions"}],"predecessor-version":[{"id":1167,"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/pages\/1079\/revisions\/1167"}],"wp:attachment":[{"href":"https:\/\/bankaroku.cz\/wp-json\/wp\/v2\/media?parent=1079"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}