Central bank digital currency, crypto assets, and cash demand: evidence from Japan
Central bank digital currency, crypto assets, and cash demand: evidence from Japan
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DOI：
10.1080/00036846.2023.2186362
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发表时间：
2023-03
影响因子：
2.2
通讯作者：
Hiroshi Fujiki
中科院分区：
文献类型：
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作者：
Hiroshi Fujiki
本研究调查了日本人对中央银行数字货币（CBDC）、加密资产所有权和现金需求的了解和使用情况。虽然4%的受访者了解CBDC，但10%的受访者愿意在可用时使用CBDC。了解CBDC的受访者的人口特征与加密资产所有者的人口特征相似。加密资产所有者用于日常支付目的的平均现金需求略低于非所有者。如果CBDC用户的现金需求与加密资产所有者相似，那么引入具有类似加密资产属性的CBDC不会大幅减少日常支付目的的现金需求。
ABSTRACT This study surveyed people’s knowledge and use of central bank digital currency (CBDC), crypto asset ownership, and cash demand in Japan. While 4% of the respondents understand CBDC, 10% are willing to use CBDC when available. The demographic characteristics of respondents who understand CBDC are similar to those of crypto asset owners. Average cash demand for day-to-day payment purposes by crypto asset owners is slightly lower than that by nonowners. If CBDC users had similar cash demand to that of crypto asset owners, the introduction of CBDC with attributes similar to crypto assets would not substantially reduce cash demand for day-to-day payment purposes.