{"id":17368,"date":"2022-07-02T10:55:22","date_gmt":"2022-07-02T03:55:22","guid":{"rendered":"https:\/\/www.fiahub.com\/blog\/?p=17368"},"modified":"2022-07-04T11:06:49","modified_gmt":"2022-07-04T04:06:49","slug":"cbdc-co-phai-kryptonite-cho-tien-dien-tu-khong","status":"publish","type":"post","link":"https:\/\/www.fiahub.com\/blog\/cbdc-co-phai-kryptonite-cho-tien-dien-tu-khong\/","title":{"rendered":"CBDC c\u00f3 ph\u1ea3i \u201ckryptonite\u201d cho ti\u1ec1n \u0111i\u1ec7n t\u1eed kh\u00f4ng?"},"content":{"rendered":"<p><span style=\"font-weight: 400\">C\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng &#8211; lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng &#8211; \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m m\u1edbi v\u1edbi S\u1eafc l\u1ec7nh \u0111i\u1ec1u h\u00e0nh c\u1ee7a T\u1ed5ng th\u1ed1ng Hoa K\u1ef3 Joe Biden v\u1ec1 \u0110\u1ea3m b\u1ea3o Ph\u00e1t tri\u1ec3n T\u00e0i s\u1ea3n K\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 Tr\u00e1ch nhi\u1ec7m. Nh\u1eefng ng\u01b0\u1eddi \u1ee7ng h\u1ed9 <a href=\"https:\/\/www.fiahub.com\/blog\/tag\/cbdc\/\">CBDC<\/a> cho r\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i s\u1ebd th\u00fac \u0111\u1ea9y s\u1ef1 bao tr\u00f9m v\u1ec1 t\u00e0i ch\u00ednh, m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u1ee7a c\u1ed9ng \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi ti\u1ec1n an to\u00e0n, c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 thanh to\u00e1n v\u00e0 h\u01a1n th\u1ebf n\u1eefa.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nh\u01b0ng c\u01a1 s\u1edf l\u00fd lu\u1eadn c\u1ee7a ch\u00fang v\u1eabn c\u00f2n mong manh. Nhi\u1ec1u nh\u00e0 ph\u00e2n t\u00edch v\u00e0 ng\u01b0\u1eddi th\u1ef1c h\u00e0nh ng\u00e0y c\u00e0ng coi CBDC v\u1ec1 c\u01a1 b\u1ea3n l\u00e0 m\u00e2u thu\u1eabn v\u1edbi m\u1ee5c \u0111\u00edch c\u1ee7a ti\u1ec1n \u0111i\u1ec7n t\u1eed, t\u1ee9c l\u00e0 cung c\u1ea5p m\u1ed9t c\u01a1 ch\u1ebf ngang h\u00e0ng phi t\u1eadp trung, an to\u00e0n \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n. V\u00e0 c\u00e1c l\u1ee3i \u00edch gi\u1ea3 \u0111\u1ecbnh c\u1ee7a CBDC v\u1eabn ch\u1ec9 l\u00e0 gi\u1ea3 thuy\u1ebft &#8211; ch\u01b0a c\u00f3 b\u1eb1ng ch\u1ee9ng n\u00e0o cho th\u1ea5y b\u1ea5t k\u1ef3 l\u1ee3i th\u1ebf n\u00e0o so v\u1edbi c\u00e1c v\u00ed d\u1ee5 kh\u00e1c v\u1ec1 c\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro m\u1edbi m\u00e0 ch\u00fang g\u00e2y ra.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung b\u00e0i vi\u1ebft<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiahub.com\/blog\/cbdc-co-phai-kryptonite-cho-tien-dien-tu-khong\/#Tinh_trang_cua_CBDC_tren_toan_the_gioi\" >T\u00ecnh tr\u1ea1ng c\u1ee7a CBDC tr\u00ean to\u00e0n th\u1ebf gi\u1edbi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiahub.com\/blog\/cbdc-co-phai-kryptonite-cho-tien-dien-tu-khong\/#Danh_gia_loi_ich_tiem_nang\" >\u0110\u00e1nh gi\u00e1 l\u1ee3i \u00edch ti\u1ec1m n\u0103ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiahub.com\/blog\/cbdc-co-phai-kryptonite-cho-tien-dien-tu-khong\/#Mot_chiec_dinh_trong_quan_tai_de_bao_ve_su_rieng_tu\" >M\u1ed9t chi\u1ebfc \u0111inh trong quan t\u00e0i \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ef1 ri\u00eang t\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fiahub.com\/blog\/cbdc-co-phai-kryptonite-cho-tien-dien-tu-khong\/#Tuong_lai_cua_tien_va_DeFi\" >T\u01b0\u01a1ng lai c\u1ee7a ti\u1ec1n v\u00e0 DeFi<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tinh_trang_cua_CBDC_tren_toan_the_gioi\"><\/span><span style=\"font-weight: 400\">T\u00ecnh tr\u1ea1ng c\u1ee7a CBDC tr\u00ean to\u00e0n th\u1ebf gi\u1edbi<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">Ch\u00edn qu\u1ed1c gia \u0111\u00e3 ph\u00e1t tri\u1ec3n CBDC c\u1ee7a ri\u00eang h\u1ecd v\u00e0 Hoa K\u1ef3 \u0111\u00e3 tham gia v\u00e0o danh s\u00e1ch h\u01a1n 100 qu\u1ed1c gia \u0111ang kh\u00e1m ph\u00e1 vi\u1ec7c ph\u00e1t h\u00e0nh m\u1ed9t CBDC. H\u1ea7u h\u1ebft c\u00e1c CBDC th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn k\u1ebft h\u1ee3p, theo \u0111\u00f3 &#8220;Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng ph\u00e1t h\u00e0nh CBDC cho c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00e1c v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00e1c, t\u1eeb \u0111\u00f3 ph\u00e2n ph\u1ed1i CBDC cho ng\u01b0\u1eddi d\u00f9ng trong to\u00e0n n\u1ec1n kinh t\u1ebf v\u00e0 cung c\u1ea5p cho h\u1ecd c\u00e1c d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n&#8221;, theo m\u1ed9t b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y c\u1ee7a Vi\u1ec7n Hoover.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Theo c\u00e1c chuy\u00ean gia h\u00e0ng \u0111\u1ea7u t\u1ea1i Ng\u00e2n h\u00e0ng Thanh to\u00e1n Qu\u1ed1c t\u1ebf &#8211; c\u00f3 nhi\u1ec1u lo\u1ea1i kh\u00e1c, bao g\u1ed3m c\u00e1c b\u00ean li\u00ean quan t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng l\u1edbn. Ch\u00fang bao g\u1ed3m m\u1ed9t CBDC t\u1ed5ng h\u1ee3p, n\u01a1i ng\u01b0\u1eddi ti\u00eau d\u00f9ng y\u00eau c\u1ea7u ng\u01b0\u1eddi trung gian, v\u1edbi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng ch\u1ec9 theo d\u00f5i c\u00e1c t\u00e0i kho\u1ea3n b\u00e1n bu\u00f4n; v\u00e0 m\u1ed9t CBDC tr\u1ef1c ti\u1ebfp, n\u01a1i ng\u01b0\u1eddi ti\u00eau d\u00f9ng y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, v\u1edbi ng\u00e2n h\u00e0ng n\u00e0y x\u1eed l\u00fd t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u00e1n l\u1ebb.<\/span><\/p>\n<p><span style=\"font-weight: 400\">M\u1ed9t s\u1ed1 h\u1ecdc gi\u1ea3 \u0111\u00e3 nh\u1ea5n m\u1ea1nh r\u1eb1ng DLT c\u00f3 vai tr\u00f2 trong vi\u1ec7c gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng tr\u1edf n\u00ean hi\u1ec7u qu\u1ea3 v\u00e0 an to\u00e0n h\u01a1n, nh\u01b0ng c\u00f4ng ngh\u1ec7 nh\u01b0 v\u1eady n\u00ean \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u v\u1edbi &#8220;m\u1ed9t thi\u1ebft k\u1ebf CBDC &#8216;x\u00e2m l\u1ea5n t\u1ed1i thi\u1ec3u&#8217; &#8211; m\u1ed9t c\u00f4ng ngh\u1ec7 n\u00e2ng c\u1ea5p ti\u1ec1n cho nhu c\u1ea7u hi\u1ec7n t\u1ea1i m\u00e0 kh\u00f4ng l\u00e0m gi\u00e1n \u0111o\u1ea1n hai \u0111i\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh &#8211; ki\u1ebfn tr\u00fac b\u1eadc c\u1ee7a h\u1ec7 th\u1ed1ng ti\u1ec1n t\u1ec7, \u201dtheo <strong>Raphael Auer<\/strong>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u Trung t\u00e2m H\u1ec7 th\u1ed1ng ch\u00e2u \u00c2u c\u1ee7a BIS Innovation Hub, v\u00e0 <strong>Rainer B\u00f6hme<\/strong>, gi\u00e1o s\u01b0 t\u1ea1i \u0110\u1ea1i h\u1ecdc Innsbruck.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng quan t\u00e2m \u0111\u1ebfn c\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng ng\u1ea1c nhi\u00ean. Khi c\u00e1c qu\u1ed1c gia t\u00ecm c\u00e1ch ph\u1ee5c h\u1ed3i sau g\u1ea7n hai n\u0103m \u0111\u00f3ng c\u1eeda v\u00e0 c\u00e1c h\u1ea1n ch\u1ebf kh\u00e1c v\u1ec1 t\u00ednh di \u0111\u1ed9ng, c\u00f9ng v\u1edbi l\u1ea1m ph\u00e1t gia t\u0103ng, c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00e3 c\u1ea3m th\u1ea5y \u00e1p l\u1ef1c th\u00fac \u0111\u1ea9y vi\u1ec7c l\u00e0m v\u00e0 qu\u1ea3n l\u00fd m\u1ee9c gi\u00e1 u20 &#8220;nhi\u1ec7m v\u1ee5 k\u00e9p&#8221; c\u1ee7a h\u1ecd. Tr\u00ean kh\u1eafp th\u1ebf gi\u1edbi, c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00e3 mua m\u1ed9t l\u01b0\u1ee3ng tr\u00e1i phi\u1ebfu \u0111\u00e1ng k\u1ec3, do \u0111\u00f3 m\u1edf r\u1ed9ng ngu\u1ed3n cung ti\u1ec1n v\u00e0 \u0111\u01b0\u1ee3c cho l\u00e0 g\u00f3p ph\u1ea7n g\u00e2y ra l\u1ea1m ph\u00e1t. V\u00ed d\u1ee5: C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang \u0111\u00e3 m\u1edf r\u1ed9ng ngu\u1ed3n cung ti\u1ec1n c\u1ee7a Hoa K\u1ef3 t\u1eeb kho\u1ea3ng 4 ngh\u00ecn t\u1ef7 \u0111\u00f4 la l\u00ean h\u01a1n 20 ngh\u00ecn t\u1ef7 \u0111\u00f4 la trong hai n\u0103m qua, nh\u01b0ng hi\u1ec7n t\u1ea1i ch\u00fang ta m\u1edbi ch\u1ec9 th\u1ea5y \u0111\u01b0\u1ee3c h\u1eadu qu\u1ea3 c\u1ee7a l\u1ea1m ph\u00e1t.<\/span><\/p>\n<figure id=\"attachment_17370\" aria-describedby=\"caption-attachment-17370\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-17370\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-3.jpg\" alt=\"CBDC, ti\u1ec1n \u0111i\u1ec7n t\u1eed, crypto\" width=\"900\" height=\"582\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-3.jpg 850w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-3-300x194.jpg 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-3-150x97.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-3-768x497.jpg 768w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-3-450x291.jpg 450w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-17370\" class=\"wp-caption-text\">Trong m\u1ed9t b\u00e1o c\u00e1o n\u0103m 2020, BIS \u0111\u00e3 v\u1ea1ch ra m\u1ed9t s\u1ed1 l\u1ee3i \u00edch ti\u1ec1m n\u0103ng do nh\u1eefng ng\u01b0\u1eddi \u0111\u1ec1 xu\u1ea5t CBDC mang l\u1ea1i: bao g\u1ed3m t\u00e0i ch\u00ednh, thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi, kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh, t\u0103ng hi\u1ec7u qu\u1ea3 c\u1ee7a chuy\u1ec3n giao t\u00e0i kh\u00f3a v\u00e0 quy\u1ec1n ri\u00eang t\u01b0.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Danh_gia_loi_ich_tiem_nang\"><\/span><span style=\"font-weight: 400\">\u0110\u00e1nh gi\u00e1 l\u1ee3i \u00edch ti\u1ec1m n\u0103ng<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">Trong m\u1ed9t b\u00e1o c\u00e1o n\u0103m 2020, BIS \u0111\u00e3 v\u1ea1ch ra m\u1ed9t s\u1ed1 l\u1ee3i \u00edch ti\u1ec1m n\u0103ng do nh\u1eefng ng\u01b0\u1eddi \u0111\u1ec1 xu\u1ea5t CBDC mang l\u1ea1i: bao g\u1ed3m t\u00e0i ch\u00ednh, thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi, kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh, t\u0103ng hi\u1ec7u qu\u1ea3 c\u1ee7a chuy\u1ec3n giao t\u00e0i kh\u00f3a v\u00e0 quy\u1ec1n ri\u00eang t\u01b0. Nh\u01b0ng ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e1p \u1ee9ng t\u1ea5t c\u1ea3 nh\u1eefng m\u1ee5c ti\u00eau n\u00e0y t\u1ed1t h\u01a1n so v\u1edbi c\u00e1c lo\u1ea1i ti\u1ec1n t\u1ec7 \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 h\u1eadu thu\u1eabn.<\/span><\/p>\n<p><span style=\"font-weight: 400\">H\u00e3y c\u00f9ng xem x\u00e9t t\u1eebng l\u1ee3i \u00edch ti\u1ec1m n\u0103ng n\u00e0y.<\/span><\/p>\n<p><b>Bao g\u1ed3m t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng: <\/b><span style=\"font-weight: 400\">Vi\u1ec7c m\u1edf r\u1ed9ng t\u00e0i ch\u00ednh phi t\u1eadp trung v\u00e0 s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c m\u00e3 th\u00f4ng b\u00e1o kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i b\u1ed1i c\u1ea3nh kinh t\u1ebf. H\u00e0ng ngh\u00ecn ng\u01b0\u1eddi s\u00e1ng t\u1ea1o n\u1ed9i dung \u0111\u00e3 b\u00e1n NFT v\u00e0 tham gia c\u1ed9ng \u0111\u1ed3ng DeFi, lo\u1ea1i b\u1ecf c\u00e1c b\u00ean trung gian v\u00e0 cho ph\u00e9p doanh thu tr\u1ef1c ti\u1ebfp \u0111\u1ebfn tay ng\u01b0\u1eddi s\u00e1ng t\u1ea1o.<\/span><\/p>\n<p><b>Avery Akkineni<\/b><span style=\"font-weight: 400\">, ch\u1ee7 t\u1ecbch c\u1ee7a VaynerNFT, n\u00f3i v\u1edbi Magazine: <\/span><i><span style=\"font-weight: 400\">\u201cCh\u00fang ta \u0111ang b\u01b0\u1edbc v\u00e0o\u2018 k\u1ef7 nguy\u00ean Web2.5 \u2019, n\u01a1i nh\u1eefng ng\u01b0\u1eddi s\u00e1ng t\u1ea1o n\u1ed9i dung \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a m\u1ea1ng x\u00e3 h\u1ed9i, nh\u01b0ng nh\u1eefng g\u00ec h\u1ecd t\u1ea1o ra thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a c\u00e1c nh\u00f3m t\u1eadp trung. \u201cGi\u1edd \u0111\u00e2y, h\u1ecd \u0111ang b\u1eaft \u0111\u1ea7u s\u1edf h\u1eefu quy tr\u00ecnh end-to-end v\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 th\u1ea5y m\u1ed9t s\u1ed1 ng\u01b0\u1eddi s\u00e1ng t\u1ea1o n\u00e0y tr\u1edf n\u00ean th\u00e0nh c\u00f4ng r\u1ef1c r\u1ee1. [\u2026] \u0110i\u1ec1u \u0111\u00f3 \u0111ang truy\u1ec1n c\u1ea3m h\u1ee9ng cho m\u1ed9t th\u1ebf h\u1ec7 ng\u01b0\u1eddi s\u00e1ng t\u1ea1o m\u1edbi. \u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400\">H\u01a1n n\u1eefa, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i \u0111\u00e3 m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng b\u1eb1ng c\u00e1ch gi\u1ea3m b\u1edbt c\u00e1c r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng. Nghi\u00ean c\u1ee9u c\u1ee7a t\u00f4i t\u1eeb n\u0103m 2021 cho th\u1ea5y vi\u1ec7c m\u1edf r\u1ed9ng ng\u00e2n h\u00e0ng di \u0111\u1ed9ng \u1edf Hoa K\u1ef3 k\u1ec3 t\u1eeb n\u0103m 2014 \u0111\u00e3 t\u1eadp trung v\u00e0o nh\u1eefng ng\u01b0\u1eddi tr\u1ebb h\u01a1n, \u0111\u1ed9c th\u00e2n ho\u1eb7c m\u1ed9t ph\u1ea7n c\u1ee7a c\u00e1c nh\u00f3m thi\u1ec3u s\u1ed1.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ngay c\u1ea3 khi nh\u1eefng m\u00f4 h\u00ecnh n\u00e0y kh\u00f4ng \u0111\u00fang, v\u1eabn ch\u01b0a r\u00f5 b\u1eb1ng c\u00e1ch n\u00e0o m\u00e0 c\u00e1c <a href=\"https:\/\/www.fiahub.com\/blog\/tag\/cbdc\/\">CBDC<\/a> m\u1edf r\u1ed9ng ph\u1ea1m vi t\u00e0i ch\u00ednh.<\/span><\/p>\n<p><b>Thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a vi\u1ec7c chuy\u1ec3n giao t\u00e0i kh\u00f3a: <\/b><span style=\"font-weight: 400\">M\u1eb7c d\u00f9 c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh xuy\u00ean bi\u00ean gi\u1edbi \u0111\u00e3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, nh\u01b0ng ch\u00fang t\u1ed1n nhi\u1ec1u th\u1eddi gian v\u00e0 chi ph\u00ed. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 c\u00f4ng ty Web3 cho ph\u00e9p giao d\u1ecbch xuy\u00ean bi\u00ean gi\u1edbi \u0111\u00e3 xu\u1ea5t hi\u1ec7n, bao g\u1ed3m c\u1ea3 Ripple.<\/span><\/p>\n<p><b>Kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh:<\/b><span style=\"font-weight: 400\"> Kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i l\u00e0 y\u1ebfu t\u1ed1 kh\u00f4ng th\u1ec3 thi\u1ebfu \u0111\u1ec3 ch\u1ed1ng l\u1ea1i nh\u1eefng c\u00fa s\u1ed1c kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng. Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh 2007-2008 \u1edf Hoa K\u1ef3 v\u00e0 nhi\u1ec1u n\u01b0\u1edbc ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c cho l\u00e0 do s\u1ef1 t\u1eadp trung c\u1ee7a c\u00e1c t\u00e0i s\u1ea3n ch\u1ee9ng kho\u00e1n h\u00f3a, r\u1ee7i ro. Trong giai \u0111o\u1ea1n s\u1eafp x\u1ea3y ra cu\u1ed9c kh\u1ee7ng ho\u1ea3ng, s\u1ed1 l\u01b0\u1ee3ng c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p t\u0103ng l\u00ean nhanh ch\u00f3ng, nh\u01b0ng nhi\u1ec1u ch\u1ee7 nh\u00e0 m\u1edbi kh\u00f4ng \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh \u0111\u1ec3 tr\u1ea3 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a h\u1ecd &#8211; m\u1ed9t m\u00f4 h\u00ecnh, \u00edt nh\u1ea5t m\u1ed9t ph\u1ea7n, ch\u1ecbu \u1ea3nh h\u01b0\u1edfng c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang th\u00f4ng qua t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t v\u00e0 kh\u00f4ng tu\u00e2n theo c\u00e1c d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 tr\u00e1nh \u0111\u01b0\u1ee3c n\u1ebfu nh\u1eefng d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nghi\u00eam t\u00fac h\u01a1n. B\u00e1o c\u00e1o \u0110i\u1ec1u tra Kh\u1ee7ng ho\u1ea3ng T\u00e0i ch\u00ednh 2011 c\u1ee7a Hoa K\u1ef3 vi\u1ebft: <\/span><i><span style=\"font-weight: 400\">\u201cV\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 s\u1ef1 th\u1ea5t b\u1ea1i quan tr\u1ecdng c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang trong vi\u1ec7c ng\u0103n ch\u1eb7n d\u00f2ng th\u1ebf ch\u1ea5p \u0111\u1ed9c h\u1ea1i, \u0111i\u1ec1u m\u00e0 l\u1ebd ra h\u1ecd c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c b\u1eb1ng c\u00e1ch \u0111\u1eb7t ra c\u00e1c ti\u00eau chu\u1ea9n cho vay th\u1ebf ch\u1ea5p th\u1eadn tr\u1ecdng. C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang l\u00e0 c\u01a1 quan duy nh\u1ea5t \u0111\u01b0\u1ee3c trao quy\u1ec1n \u0111\u1ec3 l\u00e0m nh\u01b0 v\u1eady v\u00e0 n\u00f3 \u0111\u00e3 kh\u00f4ng l\u00e0m nh\u01b0 v\u1eady. &#8220;<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400\">C\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111ang \u0111\u01b0a ra nh\u1eefng tuy\u00ean b\u1ed1 t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi nh\u1eefng tuy\u00ean b\u1ed1 tr\u01b0\u1edbc cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh khi h\u1ecd gi\u1ea3m thi\u1ec3u r\u1ee7i ro c\u1ee7a c\u00e1c CBDC, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u1ea3 n\u0103ng \u0111\u1ed9c quy\u1ec1n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 ch\u1ec9 n\u00f3i v\u1ec1 l\u1ee3i \u00edch c\u1ee7a ch\u00fang. <\/span><i><span style=\"font-weight: 400\">\u201cM\u1ed9t c\u00f4ng c\u1ee5 c\u1ed1t l\u00f5i m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng th\u1ef1c hi\u1ec7n c\u00e1c m\u1ee5c ti\u00eau ch\u00ednh s\u00e1ch c\u00f4ng c\u1ee7a h\u1ecd l\u00e0 cung c\u1ea5p h\u00ecnh th\u1ee9c ti\u1ec1n an to\u00e0n nh\u1ea5t cho c\u00e1c ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p v\u00e0 c\u00f4ng ch\u00fang &#8211; ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng,\u201d<\/span><\/i><span style=\"font-weight: 400\"> theo BIS.<\/span><\/p>\n<p><b>Charles Calomiris<\/b><span style=\"font-weight: 400\">, gi\u00e1o s\u01b0 <strong>Henry Kaufman<\/strong> v\u1ec1 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh t\u1ea1i Tr\u01b0\u1eddng Kinh doanh Columbia, n\u00f3i v\u1edbi T\u1ea1p ch\u00ed r\u1eb1ng CBDC c\u00f3 v\u1ebb gi\u1ed1ng nh\u01b0 m\u1ed9t s\u1ef1 th\u00e2u t\u00f3m quy\u1ec1n l\u1ef1c h\u01a1n l\u00e0 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh h\u1eefu \u00edch.<\/span><\/p>\n<figure id=\"attachment_17371\" aria-describedby=\"caption-attachment-17371\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-17371\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1.jpg\" alt=\"crypto, ti\u1ec1n \u0111i\u1ec7n t\u1eed, CBDC\" width=\"900\" height=\"540\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1.jpg 1200w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1-300x180.jpg 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1-1024x614.jpg 1024w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1-150x90.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1-768x461.jpg 768w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/1-450x270.jpg 450w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-17371\" class=\"wp-caption-text\">\u201cCBDC l\u00e0 gi\u1ea5c m\u01a1 c\u1ee7a ch\u00ednh ph\u1ee7 \u0111\u1ed9c t\u00e0i v\u00e0 th\u1ec3 hi\u1ec7n m\u1ed9t b\u01b0\u1edbc l\u00f9i l\u1edbn \u0111\u1ed1i v\u1edbi quy\u1ec1n ri\u00eang t\u01b0 c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d.<\/figcaption><\/figure>\n<pre><b><i>\u201cCBDC l\u00e0 n\u1ed7 l\u1ef1c m\u1edbi nh\u1ea5t \u0111\u1ec3 m\u1edf r\u1ed9ng quy\u1ec1n l\u1ef1c c\u1ee7a h\u1ecd v\u1edbi chi ph\u00ed c\u1ee7a ch\u00fang t\u00f4ib\u1edfi c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng t\u01b0 l\u1ee3i, v\u1ed1n \u0111\u00e3 l\u00e0m nhi\u1ec1u h\u01a1n \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n\r\n\u0111\u1ec3 m\u1edf r\u1ed9ng quy\u1ec1n l\u1ef1c c\u1ee7a h\u1ecd v\u1edbi chi ph\u00ed d\u00e2n ch\u1ee7 trong hai th\u1eadp k\u1ef7 qua so v\u1edbi\r\nb\u1ea5t k\u1ef3 c\u00f4ng c\u1ee5 ch\u00ednh ph\u1ee7 n\u00e0o kh\u00e1c\u201d.<\/i><\/b><\/pre>\n<p><span style=\"font-weight: 400\">Thi\u1ebft k\u1ebf ki\u1ebfn \u200b\u200btr\u00fac c\u1ee7a c\u00e1c <a href=\"https:\/\/www.fiahub.com\/blog\/tag\/cbdc\/\">CBDC<\/a> r\u1ea5t quan tr\u1ecdng. N\u1ebfu ch\u00fang \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ch\u00fang, ngay c\u1ea3 khi kh\u00f4ng \u0111\u01b0\u1ee3c tuy\u00ean b\u1ed1 r\u00f5 r\u00e0ng, c\u00f3 th\u1ec3 thay th\u1ebf ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 b\u00e1n l\u1ebb t\u01b0 nh\u00e2n, nh\u01b0 Ng\u00e2n h\u00e0ng Nh\u00e2n d\u00e2n Trung Qu\u1ed1c \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng s\u1ebd c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf kh\u00e1c \u0111\u1ec3 t\u1ea1o ra ti\u1ec1n kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ho\u1eb7c t\u00e0i s\u1ea3n c\u01a1 b\u1ea3n gi\u00e1 tr\u1ecb. C\u00e1ch ti\u1ebfp c\u1eadn nh\u01b0 v\u1eady s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1ea1m ph\u00e1t nghi\u00eam tr\u1ecdng.<\/span><\/p>\n<p><span style=\"font-weight: 400\">N\u0103m ngo\u00e1i, m\u1ed9t s\u1ed1 nh\u00e0 kinh t\u1ebf \u0111\u00e3 c\u00f4ng b\u1ed1 nghi\u00ean c\u1ee9u v\u1ec1 c\u00e1c CBDC v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, ph\u00e1t hi\u1ec7n ra r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng trung gian quy m\u00f4 l\u1edbn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 khi\u1ebfn h\u1ecd tr\u1edf th\u00e0nh \u0111\u1ed9c quy\u1ec1n. V\u00ec c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 c\u00f3 xu h\u01b0\u1edbng c\u1ee9ng nh\u1eafc n\u00ean ch\u00fang c\u00f3 kh\u1ea3 n\u0103ng ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111i\u1ec1u h\u00e0nh ng\u00e2n h\u00e0ng. Theo c\u00e1c t\u00e1c gi\u1ea3 c\u1ee7a nghi\u00ean c\u1ee9u, ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u201cn\u1ed9i b\u1ed9 h\u00f3a t\u00ednh n\u0103ng n\u00e0y t\u1eeb tr\u01b0\u1edbc v\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng ph\u00e1t tri\u1ec3n nh\u01b0 m\u1ed9t nh\u00e0 \u0111\u1ed9c quy\u1ec1n ti\u1ec1n g\u1eedi, thu h\u00fat t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi ra kh\u1ecfi khu v\u1ef1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i\u201d.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mot_chiec_dinh_trong_quan_tai_de_bao_ve_su_rieng_tu\"><\/span><span style=\"font-weight: 400\">M\u1ed9t chi\u1ebfc \u0111inh trong quan t\u00e0i \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ef1 ri\u00eang t\u01b0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">M\u1eb7c d\u00f9 c\u00e1c t\u00e0i li\u1ec7u c\u00f4ng khai t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng n\u00f3i v\u1ec1 quy\u1ec1n ri\u00eang t\u01b0 nh\u01b0 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a CBDC, kh\u00f4ng c\u00f3 l\u1eddi gi\u1ea3i th\u00edch n\u00e0o v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a \u0111i\u1ec1u n\u00e0y. Ng\u01b0\u1ee3c l\u1ea1i, BIS b\u00e1o c\u00e1o r\u1eb1ng \u201c<\/span><i><span style=\"font-weight: 400\">Vi\u1ec7c \u1ea9n danh ho\u00e0n to\u00e0n l\u00e0 kh\u00f4ng ch\u00ednh \u0111\u00e1ng. [\u2026] \u0110\u1ed1i v\u1edbi CBDC v\u00e0 h\u1ec7 th\u1ed1ng c\u1ee7a n\u00f3, d\u1eef li\u1ec7u thanh to\u00e1n s\u1ebd t\u1ed3n t\u1ea1i v\u00e0 m\u1ed9t c\u00e2u h\u1ecfi ch\u00ednh v\u1ec1 ch\u00ednh s\u00e1ch qu\u1ed1c gia s\u1ebd l\u00e0 quy\u1ebft \u0111\u1ecbnh xem ai c\u00f3 th\u1ec3 truy c\u1eadp v\u00e0o ph\u1ea7n n\u00e0o c\u1ee7a n\u00f3 v\u00e0 trong ho\u00e0n c\u1ea3nh n\u00e0o. \u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400\">Vi\u1ec7c tri\u1ec3n khai nh\u01b0 v\u1eady c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng s\u1ebd c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh t\u1eebng ng\u01b0\u1eddi d\u00f9ng. Ng\u00e0y nay, m\u1ed9t ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 bi\u1ebft ai \u0111ang s\u1eed d\u1ee5ng \u0111\u1ed3ng euro so v\u1edbi \u0111\u1ed3ng \u0111\u00f4 la, nh\u01b0ng <\/span><i><span style=\"font-weight: 400\">&#8220;S\u1ef1 kh\u00e1c bi\u1ec7t ch\u00ednh v\u1edbi CBDC l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng s\u1ebd c\u00f3 quy\u1ec1n ki\u1ec3m so\u00e1t tuy\u1ec7t \u0111\u1ed1i [\u0111\u1ed1i v\u1edbi] c\u00e1c quy t\u1eafc v\u00e0 quy \u0111\u1ecbnh s\u1ebd x\u00e1c \u0111\u1ecbnh vi\u1ec7c s\u1eed d\u1ee5ng bi\u1ec3u th\u1ee9c \u0111\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng Agustin Carstens\u201d<\/span><\/i><span style=\"font-weight: 400\">, t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a BIS, cho bi\u1ebft trong m\u1ed9t cu\u1ed9c th\u1ea3o lu\u1eadn n\u0103m 2020.<\/span><\/p>\n<p><span style=\"font-weight: 400\">C\u00f3 r\u1ea5t \u00edt nghi ng\u1edd r\u1eb1ng c\u00e1c giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p x\u1ea3y ra v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed, nh\u01b0ng c\u00e1c giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p lu\u00f4n di\u1ec5n ra, cho d\u00f9 m\u1ed9t ngh\u00ecn n\u0103m tr\u01b0\u1edbc \u0111\u00e2y v\u1edbi v\u00e0ng hay ng\u00e0y nay v\u1edbi ti\u1ec1n m\u1eb7t. C\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u1ea1o ra m\u1ed9t khu\u00f4n kh\u1ed5 b\u1ea3o v\u1ec7 quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 ch\u1ed1ng l\u1ea1i c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p.<\/span><\/p>\n<p><span style=\"font-weight: 400\">N\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 theo d\u00f5i m\u1ecdi giao d\u1ecbch, th\u00ec \u0111i\u1ec1u g\u00ec c\u00f3 th\u1ec3 ng\u0103n h\u1ecd ng\u0103n ch\u1eb7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh, du l\u1ecbch v\u00e0 sinh k\u1ebf c\u1ee7a m\u1ecdi ng\u01b0\u1eddi? H\u01a1n n\u1eefa, \u0111i\u1ec1u g\u00ec s\u1ebd ng\u0103n c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng ph\u1ed1i h\u1ee3p, nh\u01b0 \u0111\u01b0\u1ee3c n\u00eau trong b\u00e1o c\u00e1o n\u0103m 2020 c\u1ee7a BIS?<\/span><\/p>\n<p><i><span style=\"font-weight: 400\">\u201cC\u00e1c CBDC kh\u00f4ng ch\u1ec9 \u0111e d\u1ecda m\u00e0 c\u00f2n ho\u00e0n to\u00e0n vi ph\u1ea1m quy\u1ec1n t\u1ef1 ch\u1ee7 t\u00e0i ch\u00ednh c\u1ee7a ch\u00fang t\u00f4i, t\u01b0\u1edbc b\u1ecf c\u00e1c quy\u1ec1n v\u00e0 t\u1ef1 do c\u01a1 b\u1ea3n nh\u1ea5t c\u1ee7a ch\u00fang t\u00f4i nh\u01b0 nh\u1eefng ng\u01b0\u1eddi t\u1ed5 ti\u00ean c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 li\u1ec7t k\u00ea\u201d<\/span><\/i><span style=\"font-weight: 400\">,<\/span><b> Eric Waisanen<\/b><span style=\"font-weight: 400\">, \u0111\u1ed3ng s\u00e1ng l\u1eadp Hydro.Finance v\u00e0 ng\u01b0\u1eddi d\u1eabn ch\u01b0\u01a1ng tr\u00ecnh Secret Code Podcast, n\u00f3i v\u1edbi Magazine . Ng\u01b0\u1ee3c l\u1ea1i, <\/span><i><span style=\"font-weight: 400\">\u201cDeFi cung c\u1ea5p s\u1ef1 t\u1ef1 do kh\u1ecfi s\u1ef1 b\u1ea3o v\u1ec7 b\u1ecb c\u00e1o bu\u1ed9c l\u00e0m m\u1ea5t kh\u1ea3 n\u0103ng tham gia c\u1ee7a ch\u00fang t\u00f4i,\u201d<\/span><\/i><span style=\"font-weight: 400\"> Waisanen ti\u1ebfp t\u1ee5c.<\/span><\/p>\n<figure id=\"attachment_17372\" aria-describedby=\"caption-attachment-17372\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-17372\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-4.jpg\" alt=\"CBDC, crypto, ti\u1ec1n \u0111i\u1ec7n t\u1eed\" width=\"900\" height=\"582\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-4.jpg 850w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-4-300x194.jpg 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-4-150x97.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-4-768x497.jpg 768w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/07\/a1-4-450x291.jpg 450w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-17372\" class=\"wp-caption-text\">N\u0103m ngo\u00e1i, m\u1ed9t s\u1ed1 nh\u00e0 kinh t\u1ebf \u0111\u00e3 c\u00f4ng b\u1ed1 nghi\u00ean c\u1ee9u v\u1ec1 c\u00e1c CBDC v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, ph\u00e1t hi\u1ec7n ra r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng trung gian quy m\u00f4 l\u1edbn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 khi\u1ebfn h\u1ecd tr\u1edf th\u00e0nh \u0111\u1ed9c quy\u1ec1n.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Tuong_lai_cua_tien_va_DeFi\"><\/span><span style=\"font-weight: 400\">T\u01b0\u01a1ng lai c\u1ee7a ti\u1ec1n v\u00e0 DeFi<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">T\u01b0\u01a1ng lai c\u1ee7a t\u00e0i ch\u00ednh n\u1eb1m \u1edf s\u1ef1 ph\u00e2n quy\u1ec1n. M\u1eb7c d\u00f9 ch\u00fang ta \u0111\u00e3 bi\u1ebft \u0111\u1ebfn v\u00e0 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c l\u1edbn, t\u1eadp trung theo truy\u1ec1n th\u1ed1ng, nh\u01b0ng ch\u00fang ta \u0111\u00e3 th\u1ea5y s\u1ef1 \u01b0a chu\u1ed9ng r\u1ed9ng r\u00e3i v\u00e0 vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 phi t\u1eadp trung ph\u00e1t sinh t\u1eeb nh\u1eefng ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7 c\u00f9ng v\u1edbi s\u1ef1 th\u1eeba nh\u1eadn v\u1ec1 c\u00e1c t\u1ec7 n\u1ea1n c\u1ee7a t\u1eadp trung.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nh\u01b0ng DLT, v\u00e0 blockchain n\u00f3i chung, ch\u1ec9 l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5. N\u00f3 v\u1eabn c\u1ea7n qu\u1ea3n tr\u1ecb t\u1ed1t v\u00e0 qu\u1ea3n l\u00fd th\u00edch h\u1ee3p. S\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c CBDC c\u00f3 kh\u1ea3 n\u0103ng t\u1eadp trung h\u00f3a vi\u1ec7c \u201ct\u1ea1o ra\u201d v\u00e0 d\u00f2ng ch\u1ea3y t\u00e0i ch\u00ednh h\u01a1n n\u1eefa b\u1eb1ng c\u00e1ch c\u1ea5p cho c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng nhi\u1ec1u quy\u1ec1n h\u01a1n \u0111\u1ec3 ph\u00e1t h\u00e0nh m\u00e3 th\u00f4ng b\u00e1o thay v\u00ec mua v\u00e0 b\u00e1n tr\u00e1i phi\u1ebfu tr\u00ean m\u1ed9t th\u1ecb tr\u01b0\u1eddng h\u01a1i \u201cm\u1edf\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><strong>Paul Watkins<\/strong>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Patomak Global Partners cho bi\u1ebft:<em> \u201cCBDC l\u00e0 gi\u1ea5c m\u01a1 c\u1ee7a ch\u00ednh ph\u1ee7 \u0111\u1ed9c t\u00e0i v\u00e0 th\u1ec3 hi\u1ec7n m\u1ed9t b\u01b0\u1edbc l\u00f9i l\u1edbn \u0111\u1ed1i v\u1edbi quy\u1ec1n ri\u00eang t\u01b0 c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d.<\/em><\/span><\/p>\n<p><span style=\"font-weight: 400\">Nhi\u1ec1u ki\u1ebfn \u200b\u200btr\u00fac cho CBDC \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t. C\u00f3 s\u1ef1 nhi\u1ec7t t\u00ecnh r\u1ed9ng r\u00e3i \u0111\u1ed1i v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng DLT trong ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, nh\u01b0ng kh\u00f4ng \u00e1p d\u1ee5ng cho c\u00e1c CBDC b\u00e1n l\u1ebb \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 t\u1ea1o ti\u1ec1n m\u00e0 kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p v\u00e0 y\u00eau c\u1ea7u c\u00e1c c\u00e1 nh\u00e2n chia s\u1ebb th\u00f4ng tin nh\u1eadn d\u1ea1ng c\u00e1 nh\u00e2n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i xem x\u00e9t nghi\u00eam t\u00fac ki\u1ebfn \u200b\u200btr\u00fac c\u1ee7a m\u1ed9t CBDC khi ngh\u0129 v\u1ec1 thi\u1ebft k\u1ebf; n\u1ebfu kh\u00f4ng, c\u00e1c CBDC s\u1ebd \u0111\u01b0\u1ee3c tung ra trong cu\u1ed9c c\u1ea1nh tranh v\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a \u0111\u1ed9ng th\u00e1i v\u00e0 nhu c\u1ea7u phi t\u1eadp trung h\u00f3a.<\/span><\/p>\n<p><span style=\"font-weight: 400\">M\u1ed9t g\u00f3c nh\u00ecn r\u1ea5t m\u1edbi m\u1ebb v\u1ec1 CBDC. C\u00f2n b\u1ea1n, b\u1ea1n th\u1ea5y sao v\u1ec1 quan \u0111i\u1ec3m n\u00e0y. H\u00e3y c\u00f9ng chia s\u1ebb v\u1edbi <a href=\"https:\/\/www.fiahub.com\">Fiahub<\/a>. \u0110\u1eebng qu\u00ean, m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 th\u1ecb tr\u01b0\u1eddng crypto, vui l\u00f2ng li\u00ean h\u1ec7 \u0111\u1ed9i ng\u0169 Support 24\/7.\u00a0<\/span><\/p>\n<p><b><i>B\u00e0i vi\u1ebft g\u1ed1c: t\u1ea1p ch\u00ed Cointelegraph Magazine.\u00a0<\/i><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng &#8211; lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng &#8211; \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m m\u1edbi v\u1edbi S\u1eafc l\u1ec7nh \u0111i\u1ec1u h\u00e0nh c\u1ee7a T\u1ed5ng th\u1ed1ng Hoa K\u1ef3 Joe Biden v\u1ec1 \u0110\u1ea3m b\u1ea3o Ph\u00e1t tri\u1ec3n T\u00e0i s\u1ea3n K\u1ef9 thu\u1eadt s\u1ed1<\/p>\n","protected":false},"author":24,"featured_media":17369,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21849],"tags":[221,14155,3150,3184,3140],"class_list":{"0":"post-17368","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-phan-tich-nhan-dinh","8":"tag-bitcoin","9":"tag-cbdc","10":"tag-crypto","11":"tag-cryptocurrency","12":"tag-tien-dien-tu"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CBDC c\u00f3 ph\u1ea3i \u201ckryptonite\u201d cho ti\u1ec1n \u0111i\u1ec7n t\u1eed kh\u00f4ng? 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