<요 약>
Ⅰ. CBDC 논의 배경 ············································································1
Ⅱ. CBDC의 개념 ··················································································4
1. CBDC의 정의 ···································································································4
2. CBDC의 특성 ···································································································8
Ⅲ. CBDC 구현방식 ············································································11
1. 구현방식 분류 및 비교 ··············································································11
2. 구현방식별 운영 예시 ················································································21
Ⅳ. 중앙은행 책무에 미치는 영향 ··················································27
1. 지급결제 ········································································································27
2. 통화정책 ········································································································33
3. 금융안정 ········································································································41
4. 발 권 ········································································································49
Ⅴ. CBDC 관련 법적 이슈 ·································································55
1. 한국은행법 ····································································································55
2. 금융관련 법규 ······························································································66
3. 그 밖의 법규 ································································································71
Ⅵ. 시사점 ····························································································75
< 참 고 >
1. 주요국의 CBDC 관련 대응 동향 ··············································································2
2. 중앙은행의 민간(개인·기업)에 대한 계좌허용 사례 및 최근의 논의 ···········6
3. 현금(cash)의 특성 ····································································································10
4. 비허가형 분산원장과 결제완결성 ·········································································15
5. 하드웨어 기반의 오프라인 결제방식 ···································································16
6. 구현방식 평가 ···········································································································17
7. 이자지급에 따른 CBDC와 기존 금융자산간 대체 관계 ···································38
8. 마이너스 금리정책 실험 및 제안 ·········································································39
9. 은행의 시장성 수신과 대출의 경기순응성간 관계 ···········································43
10. 현금·CBDC의 익명성에 관한 논의 ···································································51
11. 스웨덴의 화폐유통시스템 개편 사례 ·································································54
< 참고 문헌 > ·········································································································· 78
