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Felix Su
Economist, Biochemist，Lives in Revere, MA
People keep getting confused. China is not trying to surpass anyone.
WhatChina’s goal is is to NOT be controlled by anyone. Currently using the USD is a huge disadvantage because the US government uses the power of the Dollar at a whim. Banning or sanctioning various nations and entities on a threadbare excuse.

人們總是會(huì)感到困惑，但中國并不想超越任何人。
中國的目標(biāo)是不受任何人的控制。目前使用美元（對(duì)中國而言）是一個(gè)巨大的劣勢(shì)，因?yàn)槊绹畷?huì)任性地使用美元的力量，以陳詞濫調(diào)禁止或制裁各個(gè)國家和實(shí)體。

The digital Yuan allows China to deal with nations directly without using the US dollar. Trying to get away from oppression is not a desire to surpass anyone. It is a desire for Freedom. Which EVERY sovereign nation should have.

數(shù)字人民幣可以讓中國在不使用美元的情況下直接與各國打交道。試圖擺脫壓迫并不意味著想超越任何人，這只是對(duì)自由的渴望，這是每個(gè)主權(quán)國家都應(yīng)該擁有的權(quán)利。

{EDIT} I’ve noticed these type of questions. There is something seriously wrong with some people. The seem to have caught the psychosis from the US government. Not everything has to be about surpassing someone else.

{編輯}我注意到了這類問題。有些人存在嚴(yán)重的問題，他們似乎從美國政府那里染上了精神疾病，不是別人做的每件事都是要超越別人。

The US is stuck in win/lose. In order for the US to Win, someone else MUST lose. This is the dumbest trap to be caught in. In economics, if you simply trade with a fair mind, the outcome is win/win, vs win/lose.

美國陷入了輸/贏的困境。為了讓美國贏，就必須有其他人輸，這是最愚蠢的陷阱。在經(jīng)濟(jì)學(xué)中，如果你能以公平的心態(tài)進(jìn)行交易，結(jié)果將是雙贏，而不是有人輸/有人贏。

When you go to the grocery store and buy food. It’s win/win. You get something you want, the grocery store make a decent profit. But the US has the mentality of a loan shark that has gone psycho. If the US doesn’t get an absolute advantage then the US “l(fā)ost”.

當(dāng)你去雜貨店買食物的時(shí)候，這就是雙贏，因?yàn)槟愕玫搅四阆胍臇|西，雜貨店也獲得了可觀的利潤。但美國的心態(tài)就像一個(gè)精神錯(cuò)亂的高利貸者，如果美國沒有獲得絕對(duì)的優(yōu)勢(shì)，那就意味著美國“輸了”。

This type of transaction is unsustainable. Even when you win, you lose because you must use a disproportionate amount of the money that you made for the military to ensure that you “win”. This makes other people not want to deal with you which makes you the biggest loser in the long term.

這樣的交易是不可持續(xù)的。即使你贏了，實(shí)際上你也輸了，因?yàn)槟惚仨殲檐婈?duì)花費(fèi)不成比例的錢來確保你們一直“贏”。這會(huì)讓其他人不想和你打交道，從長(zhǎng)遠(yuǎn)來看你會(huì)成為最大的失敗者。

So I have noticed that this psycho loan shark mentality seem to have infected a lot of Americans. Which does not bode well for the US.

所以我注意到這種高利貸心理似乎感染了很多美國人，這對(duì)美國來說不是個(gè)好兆頭。

Robert Quek
Former Retired. Prior Employment in Finance Sector，Lived in Lived in Singapore
China’s digital currency called Digital Currency Electronic Payment (DCEP) is under test in several cities and on a new digital Didi platform which has 500 million users. Some civil servants have been paid in DCEP. This is domestic, only within China. I suppose the experiment will be extended to more cities and more applications will be added, such as on the major online platforms, like Alibaba and Tencent, and offline to supermarkets, restaurants, stores and so on. Perhaps it will be another year or two before it goes national.

中國的數(shù)字貨幣即“數(shù)字貨幣電子支付系統(tǒng)”（DCEP）正在多個(gè)城市和一個(gè)擁有5億用戶的新型數(shù)字平臺(tái)“滴滴”上進(jìn)行測(cè)試，一些公務(wù)員已經(jīng)通過這一系統(tǒng)領(lǐng)到了薪酬。這項(xiàng)測(cè)試目前只在中國境內(nèi)進(jìn)行，我認(rèn)為很快將擴(kuò)展到更多的城市，并將添加到更多的應(yīng)用程序上，例如在阿里巴巴和騰訊等主要的在線平臺(tái)以及超市、餐館、商店等的線下場(chǎng)景。也許再過一兩年它會(huì)在全國鋪開。

QR cashless payment is already widespread in China. DCEP is thus not entirely new or strange to the people. Its value is guaranteed by the government, such as for example, one DCEP equals one Yuan. The people should not feel any change by its adoption.

二維碼無現(xiàn)金支付在中國已經(jīng)非常普遍。因此，“數(shù)字人民幣”對(duì)人們來說并不完全是新的或陌生的。它的價(jià)值是由政府擔(dān)保的，例如，一個(gè)“數(shù)字人民幣”等于一元，人民不會(huì)因?yàn)椤皵?shù)字人民幣”的采用而感到有任何變化。

The advantages are significant. It uses the blockchain technology, and reportedly is hack-proof. Money in your account cannot be stolen. Transactions using DCEP create an audit trail and so it is also corruption free. And monetary policy based on the flow of funds throughout the system, need not be a broad brush, and may be nuanced and direct to where it will do the most good.

“數(shù)字人民幣”的優(yōu)勢(shì)是顯著的，它使用區(qū)塊鏈技術(shù)，據(jù)報(bào)道可以防止黑客攻擊，因此你賬戶上的錢不會(huì)被盜。使用“數(shù)字人民幣”的交易會(huì)創(chuàng)建審計(jì)跟蹤，因此也可以防止腐敗。而基于整個(gè)系統(tǒng)資金流動(dòng)的貨幣政策可以不用一刀切，可能會(huì)有細(xì)微差別，能夠直接指向最能發(fā)揮作用的地方。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

But it would be quite a leap to evolve into international payments. The more likely scenario is for China to share its experience from RCEP and works in cooperation with other governments to create an international digital payment system (IDPS). That will make it more readily and generally acceptable. EU has expressed interest in such a system. Other countries will come on board when one is in train. There are already many countries which have significant trades outside the US$ system. Such as in local currencies, often backed by swap arrangements, trades between China and Russia are mostly in Rmb and Ruble, China’s purchases of oil in Rmb from Iran, Iraq, and Venezuela, and even the EU which uses Euro & Ruble in some oil and gas trades with Russia.

但在國際支付方面的發(fā)展將是一個(gè)相當(dāng)大的飛躍。更可能的情況是，中國將分享其在RCEP方面的經(jīng)驗(yàn)，并與其他政府合作創(chuàng)建一個(gè)國際數(shù)字支付系統(tǒng)（IDPS），這將使它更容易被普遍接受。歐盟對(duì)這樣一個(gè)體系表示了興趣，當(dāng)萬事俱備時(shí)，其他國家也會(huì)加入。已經(jīng)有許多國家在美元體系之外進(jìn)行了大量的交易。例如，以本幣計(jì)價(jià)（通常以貨幣互換安排為后盾），中俄貿(mào)易多以人民幣和盧布進(jìn)行，中國以人民幣從伊朗、伊拉克和委內(nèi)瑞拉購買石油，甚至歐盟在部分石油和天然氣采購中也使用歐元和盧布與俄羅斯進(jìn)行交易。

IDPS should serve the three functions of money in international transactions, namely unit of account, store of value, and medium of exchange, as well as a reserve currency for central banks. Many facilitating institutions will need to be developed alongside the digital currency. Some will take time to develop and build up, especially those that require large number of active private sector players, such as dealers in an exchange market and in the commodity markets. There is much to do.

國際數(shù)字支付系統(tǒng)（IDPS）應(yīng)在國際交易中發(fā)揮貨幣的三大功能，即記賬單位、價(jià)值儲(chǔ)存和交換媒介，以及作為中央銀行的儲(chǔ)備貨幣。許多促進(jìn)機(jī)構(gòu)將需要與數(shù)字貨幣一起發(fā)展，其中一些將需要時(shí)間來發(fā)展和建立，尤其是那些需要大量活躍的私營部門參與者（例如交易所市場(chǎng)和商品市場(chǎng)的交易商）的機(jī)構(gòu)還有很多事情要做。

But the incentives are there, mainly and ironically, provided by the US. Notables are the weaponisation of the US$, the swagger by US politicians using it to threaten this or that country whose actions they obxt, and the tendency for the Fed to act without consultations with other central banks even though the actions may have severe repercussions on them.

但具有諷刺意味的是，這些激勵(lì)措施主要是由美國提供的。其中值得注意的是美元的武器化，美國政客利用美元威脅他們反對(duì)的這個(gè)或那個(gè)國家，以及美聯(lián)儲(chǔ)傾向于在不與其他中央銀行協(xié)商的情況下采取行動(dòng)（盡管這些行動(dòng)可能會(huì)對(duì)他們產(chǎn)生嚴(yán)重影響）。

Also, should we be concerned about the US national debt which seems to rise inexorably? Other rich countries’ too, but theirs are minor or not reserve currencies. Economists used to be wary of what they called moral hazards caused by the rising debts. Nowadays they seem to take an about-turn, arguing that debts do not matter as interest rates are so low. When an accounting is finally done, will there be consequences? Such as those visited upon the world caused by the sub-prime and MBO fiasco in the US over 10 years ago. LDCs as always do not have the privileges but still bear the consequences.

此外，我們是否還應(yīng)該擔(dān)心美國國債似乎在勢(shì)不可擋地上升？雖然其他富裕的國家也是如此，但它們的規(guī)模很小或者并非儲(chǔ)備貨幣。經(jīng)濟(jì)學(xué)家過去對(duì)債務(wù)上升所造成的道德風(fēng)險(xiǎn)持謹(jǐn)慎態(tài)度，如今，他們似乎改變了主意，認(rèn)為債務(wù)無關(guān)緊要，因?yàn)槔适侨绱酥汀５@會(huì)帶來什么后果嗎？例如，10多年前美國次貸危機(jī)和管理層收購（MBO）慘敗所造成的世界性影響。最不發(fā)達(dá)國家一如既往地沒有特權(quán)，但仍然必須承擔(dān)后果。

Bill Chen, Budding economist，Lives in Singapore
Talk of the Chinese digital currency surpassing the dollar is premature and as we shall explore, off the mark.
China is not making a new currency. It is experimenting with a new form of yuan creation and more importantly, the delivery and transaction mechanism of a digital yuan.

關(guān)于中國數(shù)字貨幣超過美元的討論還為時(shí)過早，正如我們將要探討的那樣，這不是重點(diǎn)。
中國沒有創(chuàng)造新貨幣，它只是正在嘗試一種新的人民幣創(chuàng)造形式，更重要的是數(shù)字人民幣的交付和交易機(jī)制。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

Adopting new mechanisms of getting the Renminbi to the mainland masses will not supplant the dollar globally. China is not experimenting with a new Chinese bitcoin as an alternative to the yuan.
What China is marching towards is a completely digital and smart economy. This is the internet of things for the financial world. Much like networking appliances to turn them into smart grids, a true digital currency turns dumb cash into smart tokens, powered by the blockchain.

采用新的機(jī)制將人民幣推向大陸民眾并不會(huì)在全球范圍內(nèi)取代美元，中國并沒有嘗試用一種新的中國比特幣（Chinese bitcoin）來替代人民幣。
中國正在邁向的是一個(gè)完全數(shù)字化和智能化的經(jīng)濟(jì)。這是金融世界的物聯(lián)網(wǎng)，就像網(wǎng)絡(luò)設(shè)備把電網(wǎng)變成智能電網(wǎng)一樣，真正的數(shù)字貨幣是將愚蠢的現(xiàn)金變成智能代幣，并由區(qū)塊鏈提供支持。

Imagine monetary value that cannot be lost and is fully trackable. Transactions are instantaneous and secure. Efficiency on the micro level improves by orders of magnitude, lowering cost while cannibalizing traditional banking. Knowledge and control at the macro level will be unprecedented, offering instant God's eye view of the economy.

想象一下貨幣價(jià)值不會(huì)丟失并且完全可以追蹤，那么交易將是即時(shí)發(fā)生且安全的。在微觀層面上，效率將提高幾個(gè)數(shù)量級(jí)，而且會(huì)降低成本，同時(shí)還能蠶食傳統(tǒng)銀行的業(yè)務(wù)。而在宏觀層面上的了解和控制將是前所未有的，可以為經(jīng)濟(jì)提供即時(shí)的上帝視角。

The nation that manages to implement this on a national scale will turbocharge its productivity and revolutionize finance. The true threat of a digital currency isn't aimed at the USD. It is traditional banking and financial services. Banks were useful in the 20th century not because they controlled the cash, but the Metadata behind its flow through the economy, from the poorest individual to the biggest corporations and the government itself. That function can be replaced by the blockchain, with complete transparency.

一個(gè)能夠在全國范圍內(nèi)實(shí)現(xiàn)這一目標(biāo)的國家將提高其生產(chǎn)力并徹底改革金融業(yè)。數(shù)字貨幣的真正威脅并非針對(duì)美元，它針對(duì)的是傳統(tǒng)的銀行和金融服務(wù)。銀行在20世紀(jì)之所以有用，并不是因?yàn)樗鼈兛刂浦Y金，而是因?yàn)樗鼈兛刂浦Y金從最窮的個(gè)人到最大的公司及政府本身在經(jīng)濟(jì)中流動(dòng)的原始數(shù)據(jù)。這個(gè)功能可以被區(qū)塊鏈取代，并且完全透明。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

China has shown great boldness in cannibalizing traditional financial services by allowing digital wallet providers like alipay to function as banks. It remains the only major economy to pursue aggressive financial reform in order to further digitize its economy.

中國在蠶食傳統(tǒng)金融服務(wù)方面表現(xiàn)出了極大的勇氣，它允許像支付寶這樣的數(shù)字錢包提供商取代銀行，它仍然是唯一一個(gè)為進(jìn)一步實(shí)現(xiàn)經(jīng)濟(jì)數(shù)字化而積極進(jìn)行金融改革的主要經(jīng)濟(jì)體。

China is willing to take risks and upend legacy systems in a manner few societies have demonstratedIt is not any particular project of the Chinese nation that will upend the global status quo. Rather, it is the speed of a China that is marching in step whilst the rest are marching in place that will surprise many in the decades to come.

中國愿意承擔(dān)風(fēng)險(xiǎn)，以一些國家沒有表現(xiàn)出的方式顛覆之前的金融體系。
顛覆世界的現(xiàn)狀本身沒什么特別。但是在未來的幾十年里，中國進(jìn)步神速，而其他國家將在原地踏步，這將使許多人感到驚訝。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

Jani Jalkala, lives in China (2013-present)
I believe nothing significant will happen on that front. Digital currency will not enable China to surpass US dollar any more than they can or can’t do with traditional currency.
China has tightly controlled monetary system, where the currency, regardless of it being traditional or digital, will not be freely exchangeable to other currencies.

我相信在這方面不會(huì)發(fā)生什么重大的事情。數(shù)字貨幣不會(huì)使人民幣超過美元，就像他們?cè)谑褂脗鹘y(tǒng)貨幣的時(shí)候一樣。
中國有嚴(yán)格的貨幣控制體系，無論是傳統(tǒng)貨幣還是數(shù)字貨幣，都無法與其他貨幣自由兌換。

At best, e-RMB may be able to operate outside international banking systems (most notably SWIFT), and could in that position act as backup for China. This would be useful in case China gets blocked from SWIFT, over which USA has a degree of control due to critical role of USD.

充其量，數(shù)字人民幣或許可以在國際銀行體系（最典型的是SWIFT，即環(huán)球同業(yè)銀行金融電訊協(xié)會(huì)）之外運(yùn)作，并可以作為中國的備份。這將非常有用，可以防止中國被阻止在SWIFT之外，因?yàn)槊绹鴮?duì)SWIFT擁有一定程度的控制權(quán)。

In such scenario, entities still open for business with China could continue completing settlements with e-RMB, but the advantage over traditional RMB would be just to avoid handling large amounts of physical money - an element of convenience and maybe preventing counterfeiting, nothing more.

在這種情況下，仍然與中國開展業(yè)務(wù)的實(shí)體可以繼續(xù)使用數(shù)字人民幣完成結(jié)算，但與傳統(tǒng)的人民幣相比，它的優(yōu)勢(shì)在于避免處理大量的實(shí)物貨幣——這是一種便利因素，或許還能防止偽造，但僅此而已。

USA has limited control over SWIFT transactions, simply because USD is so popular and many transactions go from currency X to USD to currency Y.
But conversely, China will have 100% control over e-RMB transactions.

美國對(duì)SWIFT交易的控制有限，原因很簡(jiǎn)單，因?yàn)槊涝浅Ｊ軞g迎，許多交易會(huì)從X貨幣換到美元再換成Y貨幣。
但相反，中國將對(duì)數(shù)字人民幣交易擁有100%的控制權(quán)。

In international settlements, e-RMB will be a backup vehicle for worst-case scenarios, and I believe that in those scenarios RMB (e or not) will lose international momentum while USD gets stronger. It would be a way for China to mitigate losses that would anyway be massive.

在國際結(jié)算中，數(shù)字人民幣將成為最壞情況下的備用工具，我相信在這種情況下，人民幣（不管是否數(shù)字化）將失去發(fā)展勢(shì)頭，而美元將走強(qiáng)。這個(gè)備份將是中國在無論如何都會(huì)受到巨大損失的情況下減輕損失的一種方式。

Domestically in China, physical RMB has already for years been disappearing from everyday use in China, due to mobile payment options. Digital currency will simply complete this development.

在中國國內(nèi)，由于移動(dòng)支付的選擇，實(shí)物人民幣已經(jīng)在中國的日常使用中消失多年，數(shù)字貨幣將簡(jiǎn)單地完成這一發(fā)展。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

Lance Chambers，Lives in Australia
A host of nations are thinking of deploying digital only currencies and China seem to be thinking of a quantum crypto currency so I have read. One of the main reason is that a quantum crypto currency would be unhackable or at the very least take a few thousands years to crack.

許多國家都在考慮部署數(shù)字貨幣，而中國似乎在考慮量子加密貨幣。其中一個(gè)主要原因是量子加密貨幣是不可破解的，或者至少需要幾千年才能破解。

For China one of the main reasons is apparently to stop corruption. This is made possible because the government would require that an app be installed on everyone’s phone. You take your phone to one of a number of specified locations, there your identity is confirmed, a photo of your face is taken for record purposes. Whenever you make a transaction your phone checks your identity, using your camera to check your face so as to confirm it is YOU making the payment. before a payment is made.

對(duì)中國來說，一個(gè)主要?jiǎng)訖C(jī)顯然是要制止腐敗。這之所以成為可能，是因?yàn)檎畬⒁笤诿總€(gè)人的手機(jī)上安裝一個(gè)應(yīng)用程序，你把你的手機(jī)帶到一個(gè)指定的地點(diǎn)，在那里你的身份將得到確認(rèn)，你的面部照片將被拍攝并應(yīng)用于記錄的目的。當(dāng)你進(jìn)行交易時(shí)，在付款之前你的手機(jī)會(huì)檢查你的身份，用你的相機(jī)核實(shí)你的面部以確認(rèn)是你在付款。
Liu Lisong（劉立松）

I think the most direct impact of the digital renminbi is that China’s statistical GDP will surge. Because many of the private economy and service industries that were not under management will be taxed.

我認(rèn)為，數(shù)字人民幣最直接的影響是中國的GDP將激增，因?yàn)樵S多不在管理之下的私營經(jīng)濟(jì)和服務(wù)業(yè)將被征稅。

Lance Chambers
Very true.
The term I used was to ‘stop corruption’ rather than ‘ensure taxes are paid’ which is a part of ‘corruption’.

非常正確。
我用的這個(gè)詞是“制止腐敗”而不是“確保繳稅”，因?yàn)檫@也是“腐敗”的一部分。

Richard Chak
Wow than the U.S. should implement it ASAP than people like Trump could not hide his transaction he would n't be able to pay $750 tax….

哇，美國應(yīng)該盡快實(shí)施它，讓像特朗普這樣的人無法掩蓋他的交易，他將無法只支付750美元的稅款（特朗普當(dāng)總統(tǒng)后每年僅繳納750美元稅款）…
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

Spencer Bartsch
The majority if not all of Chinas citizens already use their phones to pay for everything right now. Via WeChat pay, Alipay and the in app payment options from both. It’s truly amazing, extremely convenient as almost everyone has a smart phone these days. No contact payments.

目前，大多數(shù)（如果不是全部）中國公民已經(jīng)通過微信支付、支付寶以及兩者的應(yīng)用內(nèi)的支付選項(xiàng)使用手機(jī)支付一切費(fèi)用。現(xiàn)在幾乎每個(gè)人都有一部智能手機(jī)，這真是太棒了，非常方便，無需接觸即可完成付款。

Lance Chambers
I understand that many Chinese citizens have two phones - one for work and another for personal use. I’m not sure this is true but I can certainly believe it.

據(jù)我了解，許多中國公民有兩部手機(jī)——一部用于工作，另一部用于個(gè)人使用。我不確定這是不是真的，但我相信這個(gè)。

Paul Clifford，ACIS from University of SydneyGraduated 1978，Lives in Sydney, Australia1953–present
China is turning to digital currency to surpass the US dollar. What will happen if China succeeds in doing so? How would this affect China and the US respectively?
China is not unique, most of the world is phasing out cash and coin, and adopting electronic funds transfers between bank accounts.
I live in Australia. I can’t remember the last time I had the necessity to carry notes or coins, use an ATM or go into a Bank! Here in Sydney, public transport only accepts Opal Cards (lixed to your debit or credit card for top up). All purchases under AU$100 are “Tap & Go”, and over AU$100 “Tap and [enter your pin number]”.

中國并非唯一一個(gè)這樣做的國家，世界上大多數(shù)國家都在逐步淘汰現(xiàn)金和硬幣，并采用銀行賬戶間的電子轉(zhuǎn)賬方式。
我生活在澳大利亞，我不記得我最后一次需要攜帶紙幣或硬幣、使用自動(dòng)取款機(jī)或進(jìn)入銀行是什么時(shí)候了！在悉尼，公共交通只接受Opal卡（與您的借記卡或信用卡相連以充值）。100澳元以下的所有消費(fèi)都只需“點(diǎn)擊即轉(zhuǎn)”（Tap & Go），超過100澳元的則需要“點(diǎn)擊并[輸入您的pin碼]”。

Eliminates the handling of disease carrying cash and coins )most important with the covid-19 pandemic), saves time, shops don’t need to have a change float or go to the bank to make deposits. It is a win, win for everybody!

不攜帶現(xiàn)金和硬幣可以避免接觸病毒（這在大流行期間很重要），既節(jié)省了時(shí)間，商店也不需要找零或去銀行存款。對(duì)每個(gè)人來說，這都是一場(chǎng)多贏！

Of course, notes & coins haven’t been phased out completely, but more and more shops have signs saying “Credit or Debit cards only. No cash!”. Ten or so years ago,, you’d occasionally see a sign “Cash Only” here in Sydney, but such seem to have disappeared completely. Some shops may require notes or coins for purchases under AU$5, but they seem to be disappearing also.

當(dāng)然，紙幣和硬幣還沒有完全被淘汰，但越來越多的商店都有“只能用信用卡或借記卡，不收現(xiàn)金”的標(biāo)牌。大約十年前，在悉尼你偶爾還能看到一個(gè)“只收現(xiàn)金”的店鋪，但現(xiàn)在似乎已經(jīng)完全消失了。一些商店可能還收5澳元以下的紙幣或硬幣，但它們似乎也在消失。

Back in 2003 I spent a few months travelling the hinterlands of southern Europe. Most of the time I used my Australian debit or credit cards. Currency conversion was automatic. On the rare occasion I needed cash, I used an ATM!

早在2003年，我花了幾個(gè)月的時(shí)間在南歐腹地旅行。大多數(shù)時(shí)候我用我的澳大利亞借記卡或信用卡，貨幣是自動(dòng)兌換的，我很少有需要現(xiàn)金的時(shí)候！

The USA banking system appears to be very technologically backward (though it depends on the bank). People (especially Australians) are highly mobile world travellers, so don’t want to waste time and money using person to person banking, to access cash. Even more so, they don’t want to be carrying around large sums of cash.

美國的銀行系統(tǒng)似乎在技術(shù)上非常落后（盡管這取決于銀行）。人們（尤其是澳大利亞人）是高度流動(dòng)的世界旅行者，所以不想浪費(fèi)時(shí)間和金錢去使用銀行以獲取現(xiàn)金。更重要的是，他們不想隨身攜帶大量現(xiàn)金。

Unlike people in the USA most of whom haven’t a passport, and haven’t the money to travel outside of their region, the PRC (China) has a thriving and growing middle class, who have the freedom to travel internationally. They don’t want to be bothered with currency conversions or the annoyance of searching for an ATM.
Get with the 21st century. Cash and coin are obsolete, and it has nothing to do with the US$!

與大多數(shù)美國人沒有護(hù)照，也沒有錢出國旅行不同，中國有一個(gè)蓬勃發(fā)展的中產(chǎn)階級(jí)，他們有國際旅行的自由，他們不想為貨幣兌換或?qū)ふ易詣?dòng)取款機(jī)而煩惱。
迎接21世紀(jì)吧，現(xiàn)金和硬幣已經(jīng)過時(shí)了，但這和美元無關(guān)！

Manix Wong
But The Reserve Bank of Australia is taking precautionary measures not to dabble into Central bank Digital Currency (CBDC) and does not believe there is currently a strong policy case for issuing a CBDC in Australia
It just happened last month
So what’s really going on in Australia?

但澳大利亞儲(chǔ)備銀行正在采取預(yù)防措施，不涉足中央銀行數(shù)字貨幣（CBDC），而且認(rèn)為目前在澳大利亞發(fā)行數(shù)字貨幣的政策理由并不充分。
這是上個(gè)月才發(fā)生的。
所以，澳大利亞到底發(fā)生了什么？
原創(chuàng)翻譯：龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處

Jim Sadler
When the transition to digital currency is complete , people will be completely subject to mercy of the government . If you don’t hold it ,you don’t own it .

當(dāng)向數(shù)字貨幣的過渡完成之后，人們將完全受到政府的控制。如果你不支持政府，你將無法擁有貨幣。

Paul Clifford
Grow up and drop your infantile conspiracy theories promoted by the money exchangers!
The move to direct electronic transfer, has nothing to do with the government, but private sector and consumer demand. Nothing has changed on monetary policy, other than it is more cost efficient and secure to use electronic transfer rather than symbolic tokens (cash & coin).
Pointedly, worldwide it is costing more to produce coin than the face value of the coin, and because of technology it has becoming increasing easier to counterfeit notes, especially the “green back” = USA dollar! For decades, advanced economies have been using plastic money especially sized, coloured, embossed and encoded to prevent counterfeiting and to make life easier for visually impaired people. The processes to produce these are expensive.
Electronic funds transfer is not only a cheaper and more convenient form of money exchange, it is also more secure!

成熟點(diǎn)，放下你的那些由貨幣兌換商鼓吹的幼稚的陰謀論吧！
轉(zhuǎn)向直接電子轉(zhuǎn)賬的舉措與政府無關(guān)，它只與私營部門和消費(fèi)者的需求有關(guān)。除了使用電子轉(zhuǎn)賬比使用象征性的代幣（現(xiàn)金和硬幣）更具成本效益和安全性外，貨幣政策沒有發(fā)生任何變化。
值得一提的是，在世界范圍內(nèi)，生產(chǎn)硬幣的成本比硬幣的面值還高，而且由于技術(shù)的進(jìn)步，偽造紙幣（尤其是綠紙）正變得越來越容易！幾十年來，發(fā)達(dá)的經(jīng)濟(jì)體一直在使用有專門的大小、顏色、雕刻和編碼以防止造假并使視力受損的人生活更方便的塑料貨幣，但生產(chǎn)這些貨幣的過程是很昂貴的。
電子資金轉(zhuǎn)賬不僅是一種更便宜、更方便的貨幣兌換形式，而且更安全！

John Fenn
You can always guy gold and put it under your bed. The true downside of a cashless society is that the government and the banks can and will impose taxes and transfer fees on EVERY transaction.

你可以把金子藏在床底下。無現(xiàn)金社會(huì)的真正缺點(diǎn)是政府和銀行可以而且將對(duì)每筆交易征收稅款和交易費(fèi)。

QA問答：中國正在轉(zhuǎn)向數(shù)字貨幣以超過美元。如果中國成功了，會(huì)發(fā)生什么？這將分別對(duì)中國和美國產(chǎn)生怎樣的影響？

QA問答：中國正在轉(zhuǎn)向數(shù)字貨幣以超過美元。如果中國成功了，會(huì)發(fā)生什么？這將分別對(duì)中國和美國產(chǎn)生怎樣的影響？