Monedas digitales: ¿cuál debe ser el papel de los bancos centrales?

• Antonio CARRASCOSA ^[1] ; José GARCÍA MONTALVO ^[2]
  1. [1] Universidad de Navarra

     Universidad de Navarra

     Pamplona, España

     
  2. [2] Universitat Pompeu Fabra

     Universitat Pompeu Fabra

     Barcelona, España

     
• Localización: Papeles de economía española, ISSN 0210-9107, Nº 170, 2021 (Ejemplar dedicado a: Las finanzas tras la pandemia), págs. 43-61
• Idioma: español
• Enlaces
  • Texto completo (pdf)
• Dialnet Métricas: 2 Citas
• Resumen
  • español

    La discusión sobre el futuro del sector financiero está muy centrada en el impacto de los nuevos competidores digitales y las grandes empresas tecnológicas. Sin embargo, la introducción de las monedas digitales de los bancos centrales (CBDC) podría tener también un impacto enorme sobre el negocio bancario. Durante la pandemia se ha producido un cybersprint en el diseño de las CBDC por parte de los bancos centrales ante la introducción acelerada de criptomonedas y la reducción del uso del efectivo. En este artículo se presenta un análisis de las opciones planteadas y su impacto sobre el funcionamiento del sistema financiero.

  • English

    The discussion about the future of the financial system is mostly centered on the competition of new digital banks and large technological companies. However, the introduction of Central Bank Digital Currencies (CBDC) can also have large impact on banking business models. During the pandemic there has been a cybersprint among central banks to propose designs for CBDCs in front of the accelerated introduction of cryptocurrencies and the increase in cashless transactions. In this article we present an analysis of alternative designs of CBDCs and their potential impact on the future of the financial system

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