Майкл Патру: Цифровые валюты центробанков могут уничтожить банковскую систему

cryptonews.ruPublicado a 2022-11-13Actualizado a 2024-08-13

Заместитель управляющего Резервного банка Индии заявил, что снижение рисков и повышение финансовой доступности цифровых валют центральных банков придаст этой CBDC ощущение безопасной гавани и может привести к сокращению числа депозитов в коммерческих кредитных организациях.

Майкл Патру (Michael Patra) полагает, что CBDC, рекламируемые как инструмент повышения финансовой доступности и снижения расчетных рисков, могут представлять опасность для всей банковской системы. Замуправляющего индийского ЦБ считает, что во время падения финансовых рынков CBDC могут ошибочно восприниматься как «единственное безопасное убежище».

«Это может спровоцировать банковский кризис, подогреваемый паникой вкладчиков и массовыми изъятиями незастрахованных банковских депозитов», — объяснил Майкл Патра.

Ради сохранения стабильного функционирования финансовой системы государственные и коммерческие страховщики депозитов обязаны учитывать в своей работе растущую значимость CBDC и должны быть готовыми к сценарию, при котором цифровая валюта центрального банка будет восприниматься как более безопасный инструмент хеджирования рисков, чем депозиты.

Ранее экс-министр финансов Индии Панкаджа Чаудхари (Pankaj Chaudhary) в ответе на вопрос депутатов парламента о позиции правительства по отношению к крипторынку заверил, что в обозримой перспективе известные ему чиновники не планируют каким-либо образом корректировать правила регулирования цифровых валют.

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