Kodi euro ya digito ndi chiyani? Kusiyanasiyana ndi yuro weniweni

Yuro ya digito ndi lingaliro lomwe likubweretsa mkangano waukulu ku Europe. Cholinga ichi cha European Central Bank (ECB) ikufuna kuyika ndalama za anthu pa digito, kupereka njira ina yosinthira ndalama ndi njira zolipirira zamakono. Pamene ECB ikupita patsogolo ndi chitukuko chake, pamakhala mafunso okhudza zachinsinsi, kuyang'anira zachuma, ndi zotsatira za mabanki achikhalidwe.

M’nkhaniyi, tiona mozama zimene zili digito euro, momwe zidzagwirira ntchito, zomwe zingakhudze chuma ndi chiyani ubwino ndi nkhawa ikufuna kukhazikitsidwa kwake. Tiwonanso momwe nzika ndi akatswiri akuchitira, komanso momwe ntchitoyi ikuyendera padziko lonse lapansi.

Kodi euro ya digito ndi chiyani?

Digital euro ndi ndalama zamagetsi zomwe zidzaperekedwa ndi European Central Bank. Imawonetsedwa ngati ndalama za digito, zomwe zimalola nzika zaku Europe zone kupanga ndalama zamakono popanda kufunikira kwa amkhalapakati.

Mosiyana ndi cryptocurrenciesYuro ya digito idzathandizidwa ndikuyendetsedwa ndi ECB, kuwonetsetsa kukhazikika kwake komanso kuvomerezedwa mu European Union yonse. Cholinga chake ndikupereka a njira yolipirira yotetezeka, yofikirika komanso yovomerezeka padziko lonse lapansi m'masitolo ogulitsa, masitolo apaintaneti komanso pakati pa anthu.

ECB imanena kuti kusintha kwa digito kwasintha momwe anthu amayendetsera ndalama zawo ndikulipira. Zina mwazofunikira Zifukwa zolimbikitsira yuro ya digito Iwo ndi:

• Kuchepetsa kugwiritsa ntchito ndalama: Anthu ndi mabizinesi ochulukirachulukira akusankha kulipira pakompyuta, zomwe zapangitsa kuti ndalama za banki ndi makobidi zichepe.
• Chitetezo chokulirapo komanso kulimba mtima: Yuro ya digito ikufuna kukhala njira ina yolimba polimbana ndi ma cyberattack ndi kulephera kwaukadaulo.
• Kuphatikizika kwachuma: Izi zidzalola anthu opanda mwayi wopeza maakaunti aku banki kugwiritsa ntchito njira yolipirira ya digito.
• Kuchepetsa kudalira kwa omwe si a ku Europe: Zambiri zamagetsi ku Europe zimadalira makampani akunja monga Visa kapena Mastercard.

Kodi yuro ya digito idzagwira ntchito bwanji?

ECB yawonetsa kuti euro ya digito ingakhale kupezeka pa intaneti komanso olumikizidwa ku makina. Kukhazikitsa kwake kudzachitika kudzera m'matumba a digito omwe nzika zitha kuwongolera kuchokera pazida zawo zam'manja kapena makhadi amthupi.

Nawa tsatanetsatane wa momwe zimagwirira ntchito:

• Ogwiritsa azitha kupanga a digito euro chikwama kudzera m'mabungwe banki kapena ntchito zosankhidwa.
• ndi Malipiro adzakhala nthawi yomweyo komanso opanda ntchito pakugwiritsa ntchito kwake.
• Digital euro ingagwiritsidwe ntchito masitolo ogulitsa, e-commerce komanso ngakhale pakati pa anthu.
• Zochita zapaintaneti zidzatsimikizira kuchuluka kwa zachinsinsi.

Kukhazikitsidwa kwa euro ya digito kwadzetsa nkhawa mu mabanki achikhalidwe, monga nzika zingasankhe kusunga ndalama zawo mwachindunji ku ECB m'malo mwa mabanki amalonda. Kupewa chachikulu kuthawa madipoziti, mwayi kukhazikitsa malire pa kuchuluka kwa ma euro a digito kuti wosuta angakhale nazo.

Digital Euro vs. Physical Euro

Izi ndi zina mwazosiyana zazikulu zomwe ziyenera kuwonetseredwa pakati pa yuro ya digito ndi yuro monga tikudziwira mpaka pano:

• Chilengedwe ndi mawonekedwe: Yoyamba ilibe mawonekedwe a bili kapena ndalama, koma mumtundu wa digito.
• Kugwiritsa ntchito ndi kupezaYuro ya digito ingagwiritsidwe ntchito kudzera m'zikwama zamagetsi, mapulogalamu a m'manja, ndi makadi, popanda kufunikira kwa akaunti yakubanki yachikhalidwe. Zakuthupi zimatengera ma ATM kapena mabanki pakugawa kwake.
• Kuwongolera umunaZonsezi zidzaperekedwa ndikuyendetsedwa mwachindunji ndi European Central Bank, koma pankhani ya yuro weniweni, kufalikira kwake kumadalira mabanki amalonda ndi kufunikira kwa ndalama.
• Zochita ndi traceabilityYuro ya digito ipangitsa kuti kulipira pompopompo ndikuwonetsetsa kutsata. Kugulitsa ndalama, kumbali ina, sikudziwika ndipo sikusiya njira ya digito.
• Chitetezo ndi zoopsaMtundu wa digito wa yuro upereka chitetezo ku chinyengo ndi kuba zakuthupi, ngakhale kuti zitha kukhala pachiwopsezo cha kuukira kwa intaneti kapena zovuta zaukadaulo. Chiwopsezochi sichipezeka pa Euro yakuthupi, ngakhale ilinso pachiwopsezo chakuba ndi chinyengo.
• Kuphatikizidwa kwachumaYuro ya digito idzathandizira kupeza ndalama m'madera omwe ali ndi mabanki ochepa, pamene ndalama zakuthupi zidzakhalabe njira yofikira kwambiri kwa anthu omwe ali ndi luso lochepa la digito.

Kuwongolera zachinsinsi komanso zachuma

Imodzi mwa mikangano yovuta kwambiri yokhudzana ndi euro ya digito ndi zachinsinsi. Ngakhale ECB yatsimikizira kuti kapangidwe kake kadzalemekeza kusadziwika pakulipira kwapaintaneti, Anthu ambiri amaopa kuti boma likhoza kutsatira zonse malonda.

Komanso, otsutsa ena amanena kuti dongosolo la digito lathunthu lingathe kulola midadada kapena kuletsa nzika kupeza ndalama, mutu womwe umagwirizana ndi ndondomeko zatsopano za Meta ndi zomwe zimakhudza chinsinsi cha digito.

 

Yuro ya digito si ndalama yoyamba ya digito yoperekedwa ndi banki yayikulu. Komabe, chitsanzo cha ku Ulaya chikufuna kukhala Njira imodzi zowonjezera kupeza ndalama osati cholowa m'malo. Ngakhale zili choncho, kafukufuku waposachedwapa amasonyeza zimenezo Anthu ambiri ku Europe sakhulupirira yuro ya digito. Mwachitsanzo, ku Spain ndi ku Germany, ndalama zikadali njira yolipirira yomwe amakonda, ndipo ambiri akuopa kuti ndalama zatsopanozi ndi sitepe lolowera. kuchotsa ndalama zakuthupi.

Tsogolo la digito euro

Yuro ya digito pakali pano ili mu gawo lokonzekera, ndikuyesa kukuchitika m'mabungwe azachuma osankhidwa. Kutulutsidwa kwake komaliza kukukonzekera kumapeto kwa 2025, ngakhale kuti zidzadalira kuvomerezedwa ndi mabungwe a ku Ulaya. Kupititsa patsogolo uku ndi gawo limodzi la zoyesayesa zokulirapo pakupanga ma digito.

Digital euro ndi njira yomwe ikufuna kusintha ndalama za ku Europe kuti zigwirizane ndi nthawi ya digito. Ngakhale limalonjeza ubwino Monga kuchuluka kwa kupezeka ndi chitetezo pamalipiro a digito kumabweretsanso zovuta zazikulu pankhani yachinsinsi komanso kuwongolera ndalama. Pamene polojekiti ikupita, chinsinsi chidzakhala kupeza mgwirizano pakati pa luso ndi ufulu wa nzika.