Банк Израиля: Принятие CBDC не окажет существенного влияния на банковскую систему

Israels central bank says the publics adoption of the digital shekel is not expectedto materially affect the banking system.” Банк, Однако, warns that any issuance of such digital currency will likely result in a decline of the volume of the publics deposits.


Increase in the Banking Systems Interest Expenses

Israels central bank, the Bank of Israel (BOI), has said its analysis of the proposed digital shekels possible impact on banking stability showed that the expected effect is not as significant as previously thought.

Однако, банк’s analysis notesthe decline in the volume of the publics depositsheld in banks following the issuance of digital shekel, would nonetheless lead tosome increase in the banking systems interest expenses.The same might also lead to an erosion of the banking systems net profit, the BOI warned.

While the central bank said it has not yet made a decision to issue the central bank digital currency (CBDC), in its recently released statement, the BOI revealed itis building an action plan for the potential issuanceof such a digital currency.

The утверждение also makes reference to a paper that was published by the BOIs steering committee. In that paper, the committee examined the banks motivations for issuing the CBDCalso known as SHAKEDas well as the ramifications of such a digital currency on financial intermediation.

Erosion of BanksLiquidity Ratios

журналист Лаура Шин опубликовала статью, в которой утверждается, что, the BOI statement also discusses some of the key findings from the steering committees May 2021 paper. The BOI statement notes:

Transferring a certain volume of money from the publics deposits to SHAKED would have various effects on the balance sheets of the banking system and of the Bank of Israel. The banking systems balance sheet would contract due to the decline in thePublics depositsitem on the liabilities side and in theDeposits at the Bank of Israelon the assets side.

The BOI adds that in the event the banking system attempts to maintain the credit portfolio to the public at levels prior to the CBDC launch, that development woulderode banksliquidity ratios to a certain extent.

Besides looking at the potential impact that the CBDC might have on the banking system and the economy, the BOI said it will alsoexamine other issues that arise as part of the research and preparation toward a potential issuance of a digital shekel in the future.

The central bank concludes its statement by reiterating that it has not made a decision to issue the digital shekel just yet.

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