（香港文匯報記者 馬翠媚）在數字經濟洪流下，「數碼港元」先導計劃正式啟動。香港金管局昨公布，有16間入選公司將於年內進行首輪共14項試驗，以深入研究數碼港元在六大範疇的潛在應用場景，包括全面支付、可編程支付、離線支付、代幣化存款、第三代互聯網（Web3）交易結算，及代幣化資產結算，局方將於11月舉行的香港金融科技周上分享有關先導計劃試點項目的主要經驗。不過就推出時間表方面，金管局強調未決定會否或何時推出數碼港元。業界指出，數碼港元在金融監管方面有其重要意義，惟由於目前電子支付已十分成熟，在零售層面需要證明其更方便好用。
Hong Kong's Hong Kong Monetary Authority announced yesterday that 16 participating companies will be conducting a first round of 14 tests in the course of the year to study the potential applications of the digital Hong Kong dollar in six major cases, including full payments, programmable payments, offline payments, currency deposits, third-generation transactions on the Web, and dollarized assets. In November, however, the Hong Kong Financial Science and Technology Week, where Hong Kong will be held, will share the main experience of the pilot projects.
金管局總裁余偉文表示，雖然金管局未決定會否或何時推出數碼港元，但數碼港元先導計劃的啟動，是金管局與業界聯手探索創新用例的良機，也為將來可能推出數碼港元做好準備。他認為在先導計劃下，不同公司所提出及建議創新用例，讓大眾看到了央行數碼貨幣（CBDC）有何新的可能性，以及數碼港元的潛在應用可以如何造福港人和企業。
The Director-General of the King's Administration has stated that although the gold administration has not decided whether or when to launch a digital Hong Kong dollar, the launch of the digital Hong Kong dollar pilot scheme is a good opportunity for the gold administration and industry to work together to explore new practices and prepare for the possible future introduction of digital Hong Kong dollars. He believes that under the pilot scheme, new examples have been proposed and suggested by different companies to show the public how the central bank's digital currency (CBDC) offers new possibilities, and how the potential of the digital Hong Kong dollar can benefit Hong Kong and business.
五大準則評估先導計劃申請
金管局在2021年6月開展了數碼港元項目，研究在香港發行零售層面CBDC，即數碼港元（e-HKD）的可行性，及後在去年11月在第二軌道下推出數碼港元先導計劃，邀請業界就數碼港元的潛在用例提交建議方案，以解決現存痛點。金管局副主席李達志指，金管局根據五大準則評估先導計劃的申請，包括建議方案是否以香港為中心、創新前沿、以客戶為中心、準備就緒及合法合規，而經過遴選後最終有16間公司入選先導計劃，將會進行14項試驗。
In June 2021, the Hong Kong Authority launched a digital Hong Kong dollar project to study the feasibility of issuing CBDC (e-HKD) on the retail level in Hong Kong, and subsequently launched a digital Hong Kong dollar pilot scheme under track 2 in November last year, inviting the industry to submit proposals on the potential use of digit Hong Kong dollars to address existing pains. The Vice-President of the Hong Kong Authority, Li Da Chi, evaluated the application of the pilot scheme on the basis of five standards, including whether the scheme would focus on Hong Kong, create new frontiers, focus on clients, prepare for preparedness and legal conformity, and after the election, there will be 14 tests after the 16 companies have finally entered the pilot scheme.
16間入選公司的高層代表昨出席了先導計劃的啟動儀式，而入選的參與者，除了滙豐、中銀、渣打、建行亞洲、工銀亞洲、ZA Bank等銀行業之外，儲值支付工具營辦商AlipayHK、Tap & Go ，以至兩大國際信用卡機構Visa、萬事達，甚至是全球第三大加密貨幣瑞波幣（XRP）營運商Ripple Labs都有參與。而Ripple Labs將與富邦將試驗代幣化資產結算項目。
The top representatives of the 16 selected companies attended the launch ceremony of the pilot project yesterday, and the participants in the campaign, with the exception of Ripple Labs, the world’s third largest encrypted currency, with the participation of Ripple Labs, the bankers who are going to test the accounting for dollarized assets by Ripple Labs and the wealthy countries.
將與各方緊密合作 監察進度
will work closely with all parties to monitor progress .
金管局會於先導計劃中與不同持份者緊密合作，並進行一系列試驗，共同探索數碼港元的應用場景及有關的執行和設計事宜，而透過反覆試驗，局方可從每個試驗的結果汲取實際經驗，完善可能落實數碼港元的方式。李達志指，當局期望可以在11月舉行的香港金融科技周與公眾分享從試驗汲取的經驗，但各項試驗的實際所得或會隨時間而有所改變，而當局未來數月會與入選公司緊密合作，以進行試驗並監察其進度。
The Authority will work closely with different stakeholders in its pilot program, and will conduct a series of tests to explore digital Hong Kong dollars applications and related implementation and design, and will learn from the results of each test to improve the way that it may be realized. The Bureau expects to share the experience gained from the test with the public during the November Hong Kong Financial Science and Technology Week, but the reality of the experiment will change over time, and the Bureau will work closely with the selected companies in the coming months to test and monitor its progress.
首輪共14項試驗 未來或更多
The first round of
金管局首席金融科技總監周文正指，入選公司可在先導計劃中使用金管局提供的「數碼港元」沙盒作為技術平台，探討有關「數碼港元」的執行及設計事項，並獲取實際經驗，入選公司有權選擇是否使用「數碼港元」沙盒，不過他提到有部分入選銀行本身已具備強勁技術平台，因此有部分入選參與者或未必會選擇接駁金管局的沙盒做測試。他又指，除了今次進行首輪共14項試驗之外，因應數碼發展變化等，未來或與業界聯手進行更多輪試驗。
The Chief Financial Science and Technology Director of the Hong Kong Authority said that the selection company could use the "digital Hong Kong dollar" sandbox provided by the gold authority as a technical platform and obtain practical experience on the implementation and design of the "digital Hong Kong dollar" and that the selection company had the right to choose whether to use the "digital Hong Kong dollar" sandbox, but he mentioned that some of the selected banks themselves had a robust technology platform, so that some of the participants might or might not choose to take over the gold management agency's sandbox. He added that, in addition to the 14 tests conducted in the first round, there would be more tests in the future or with industry as a result of the evolution of the code, among other things.
雖然金管局強調尚未決定會否或何時推出數碼港元，但周文正指先導計劃會持續進行，未來會檢視首兩個軌道的階段性結果，並視乎國際形勢、發達國家推出數碼貨幣步伐等，才可以作出更全面的部署。李達志補充，若在計劃試驗過程中，有場景可應用數碼港元，而且真實有使用數碼港元的需求，局方才再會研究是否推出數碼港元，加上要考慮實施風險，如在法律、監管、政策、金融穩定、私隱、網絡安全等影響，他強調只有在條件成熟時，金管局才會作出是否推出數碼港元的決定。
Although the gold authority has not yet decided whether or when to launch a digital port dollar, Zhou Man is suggesting that the pilot plan will continue, that the first two tracks will be reviewed in the future and that more comprehensive deployments will be possible depending on the international situation, the speed of the country’s introduction of a digital currency, etc. Li Da Chi added that if, in the course of the project, there is a scenario in which to use the digital port dollar and there is a real need to use it, the agency will study whether to introduce the digital port margin, and that it will take into account risks such as the effects of law, supervision, policy, financial stability, privacy, Internet security, etc. He argues that the gold authority will only make a decision whether to introduce the digital port margin when the terms are ripe.
入選公司談應用 探索新消費支付模式
（香港文匯報記者 蔡競文）金管局昨日啟動「數碼港元」先導計劃，有16間來自金融、支付和科技界的入選公司將於今年內進行首輪試驗，深入研究「數碼港元」在六個範疇的潛在用例，包括全面支付、可編程支付、離線支付、代幣化存款、第三代互聯網（Web3）交易結算和代幣化資產結算。
(Hong Kong Times Reporter Tsai) The Hong Kong Monetary Authority launched the Digital Hong Kong Dollars initiative yesterday, and 16 selected companies from the financial, payment and technological communities will conduct their first round of tests in the course of the year to study the potential of the Digital Hong Kong dollar in six cases, including full payments, programmable payments, offline payments, currency deposits, and Web3 transactions and monetization.
Ripple富邦案例：房地產代幣化
其中，企業級區塊鏈、加密貨幣方案企業Ripple及富邦銀行房地產代幣化案例獲選為首批數碼港元先導計劃案例，Ripple中央銀行事務及CBDC副總裁James Wallis表示，Ripple的使用案例結合數碼港元、代幣化房地產及金融借貸協議，採用與XRP Ledger（XRPL）相同的科技，在私用和安全的賬本系統上運行，將為香港市民提供現實世界資產代幣化的服務，該集團的整合方案將成為業內首個放售房地產資產的案例。XRPL是指一種開源、節能及去中心化的區塊鏈，現已持續運作超過十年。
Among them, the business sector chain, the encrypt currency program, and the company Ripple and the Fu State Bank real estate monetization case were selected as the first digital Hong Kong dollar pilot cases, and the Ripple Central Bank and the CBDC Vice-President James Wallis said that the company’s integration programme would be the first sale of real-time real estate assets in Hong Kong, using the same technology as the XRP Ledger (XRPL), which is an open-source, efficient, and centralized chain that has been operating for more than a decade.
中銀：革新傳統預繳消費模式
Sino-Chinese: Renovating traditional pre-costing mode
中銀香港副董事長兼總裁孫煜指出，該行的數碼港元應用場景方案，將針對香港零售行業的痛點，革新傳統的會員預繳式消費模式，在客戶儲值資金與商戶經營資金間形成防火牆，增強客戶對於預繳消費的信心，同時降低商戶使用預繳消費的技術複雜度。
The Chinese and Chinese Vice-President and CEO of Hong Kong stated that the company’s digital Hong Kong dollar application scenario would address the pain of the retail industry in Hong Kong, innovate the traditional membership pre-paid consumption model, create a firewall between customer reserves and business owners, increase customer confidence in pre-paid costs, and reduce the technical complexity of the use of pre-paid charges by businesses.
滙豐：驗證可降消費交易成本
: Verifying reduced transaction costs
滙豐香港區行政總裁林慧虹表示，滙豐計劃在未來數月試行兩個項目，其中一個為滙豐與科大合作，在科大校園內開發和試行一個數碼港元支付生態圈，利用科大的金融科技研究，以驗證數碼港元在降低商戶和消費者的交易成本的潛在好處，以及透過適時派發獎賞優惠，讓客戶有更佳的體驗。另一個項目為該行與Visa合作，模擬代幣化銀行存款。
According to the Hong Kong Regional Executive Director, Lin Wailong, in the coming months, one of the two projects is to work with the University to develop and test a digital Hong Kong dollar to pay for the environment in the University, to test the potential benefits of digital Hong Kong dollars in reducing the transaction costs for businesses and consumers, and to give the clients a better chance of doing so through the award of prizes in due course. The other project is to work with Visa to model bank deposits in a simulatory currency.
恒生：可發商戶獎賞政府資助
: Businesses can award government grants
恒生銀行執行董事兼行政總裁施穎茵指出，該行的數碼港元用例包括發行可編程代幣及研發數碼港元錢包，並將在兩個應用場景進行測試，為商戶和政府或公營機構提供無縫、快捷和個人化的可編程支付體驗，例如是商戶旗下的獎賞計劃可通過電子錢包直接向目標客群發放指定用途的優惠券，並收取款項。此外，政府或公營機構亦可通過此用例，向市民發放資助，並指定消費用途和到期日等，以減低行政時間和交易成本。
The Bank’s Managing Director and Chief Executive Officer, Ying Yin, noted that the bank’s digital Hong Kong dollar examples include the issuance of programmable coins and the development of digital Hong Kong dollar wallets, and that it will test two applications to provide businesses and government or public institutions with seamless, fast and personalized programming and payment experiences, such as the Merchant’s Merchant’s Merchant’s Award Scheme, which can issue earmarked coupons directly to target clients through electronic wallets and receive money. In addition, the government or public sector can use this example to provide citizens with financial assistance, and to assign costs and expiry dates to reduce administrative time and transaction costs.
建行亞洲：加強預繳資金管理
Asian Development Bank: Increased Premium Management
建行亞洲副行長陳麗明表示，該行的應用用例主要是利用數碼港元的可編程特性，通過部署智能合約的方式，解決目前客戶在預繳式消費服務場景中預繳資金缺乏管理、個人權益較難得到保障的痛點。
The Vice-President of the Asian Development Bank, Chen Liming, stated that the Bank’s application was mainly to use the programmable features of digital Hong Kong dollars to address the current lack of management of the funds forecasted by clients in the context of pre-paid services and the difficulty of securing personal rights by deploying smart contracts.
【普及關鍵】業界：需讓市民日常使用更方便
（香港文匯報記者 馬翠媚）數碼港元作為應用區塊鏈技術的法定貨幣，從大的方面而言，其具有與目前各種支付平台更易連接、更高效進行跨境支付、降低結算成本等等便利營商的好處外，也有助打擊洗錢、金融詐騙等犯罪活動，同時並防範人們使用無監管的去中心化的加密貨幣所帶來的監管及金融風險。不過，作為普羅市民，大家可能更關注其日後應用及對市民帶來哪些實惠方便的作用。
The digital Hong Kong Dollar (HKDR) is used as a statutory currency for supply chain technology, which, in large part, has the advantage of facilitating businesses such as easier access to current payment platforms, more efficient cross-border payments, lower accounting costs, etc., as well as helping to combat money laundering, financial fraud, etc., and also to prevent surveillance and financial risks associated with the use of unsupervised de-centralized encrypted currency. But, as a citizen, it is possible to focus more on the benefits and benefits that they can bring to citizens.
團結香港基金副總裁兼研究部聯席主管水志偉認為，本港電子支付發展已經十分成熟，若要大眾使用數碼港元，必須在其功能性上着墨，要讓大眾明白「為何數碼港元比傳統港幣好用」，建議當局可以先從簡單、日常的使用開始，讓市民盡量做到一鍵領取政府補貼、支付交通費、水電煤賬單等。他又指，若未來可進一步使用數碼港元認購綠債、銀債，和進行醫療保險索償，絕對可以增加數碼港元的普及程度。
The Hong Kong Fund's Vice-President and Co-Director of the Department of Research believes that Hong Kong's electronics payments are mature and must be ink in their functionality if they are to be used by the public, so that the public understands why the digital Hong Kong dollar is better than the traditional Hong Kong currency, and suggests that the authorities can first begin with simple, day-to-day use, so that citizens can take as much of the government's subsidies, transportation costs, water and coal bills as they can. He also suggests that further use of the digital port margin to recognize green debts, silver debts, and medical insurance claims would definitely increase the penetration of the digital port bill.
跨境貿易投資將更無縫快捷
畢馬威中國銀行業高級合夥人馬紹輝亦認為，因應本港目前支付方式廣泛及多元化，料數碼港元在短中期內或未必會對消費模式產生重大影響，但他相信使用數碼港元等央行數碼貨幣進行結算跨境貿易和投資，將令交易活動更無縫、簡單及快捷，並將有助鞏固香港作為亞洲貿易及投資中心的地位。他亦認為央行數碼貨幣，如數碼港元，將逐漸成為區塊鏈技術的主要應用項目，而在亞洲各地央行、尤其是中國人民銀行和香港金管局正引領這項新技術應用。 He also believes that, in the light of the wide and diverse manner in which Hong Kong is currently paying, the digitized Hong Kong dollars may not have a significant impact on consumption patterns in the short term, but he believes that the use of digitized Hong Kong dollars for cross-border trade and investment in central bankables will make the transactions more seamless, simple and fast and will help strengthen Hong Kong’s position as a trading and investment centre for Asia. He also believes that the central bank’s digitized currency, such as the digit Hong Kong dollars, will become a major application of the sector chain technology, and that the central bank, particularly the People’s Bank of China and the Hong Kong Monetary Authority, is leading the new technology application. 金管局總裁余偉文表示，數碼港元是一項重要而複雜的金融基礎設施項目，可能需要數年時間才能完成。鑑於香港零售支付業已蓬勃發展，因此決定是否可能實施數碼港元，將很大程度取決於它能否使支付比現有支付方式更高效、更方便，以及能否開啟新的商機。 As Hong Kong’s retail payment industry has flourished, it will depend to a large extent on whether it can make payments more efficient, convenient, and open new business opportunities. 探索數碼港元能否更高效 explores whether digital port dollars can be more efficient 余偉文又透露，局方在過去兩年進行了兩輪市場諮詢， 總體而言，受訪者支持數碼港元計劃，並認為數碼港元有潛力在支持數字經濟同時提高支付速度和效率，他又指數碼港元不是僅僅是一個技術項目，其實施將對與法律、監管、政策、金融穩定、隱私、網絡安全以及與現有支付方式的交互等領域相關的廣泛問題產生深遠影響。 In the last two years, the Agency has conducted two rounds of market consultations, and in general, interviewees have supported the digital port dollar scheme and argued that the digital port dollar has the potential to increase the speed and efficiency of payments while supporting the digital economy. He also noted that the digital port dollar is not just a technical project, but that it will have a profound impact on broader issues related to areas such as law, supervision, policy, financial stability, privacy, cyber security, and interaction with existing payment methods. 他又透露，金管局將成立專家小組，以促進政府、業界和學術界在央行數碼貨幣（CBDC）研究方面合作，並由本地大學頂尖學者組成，局方會定期與專家小組成員聯繫，探索環繞央行數碼貨幣主要政策及技術事宜，如私隱保障、網絡安全及互聯互通。 He also revealed that the Authority would set up an expert group to promote cooperation between the Government, industry and the academic community in the study of central bank codes (CBDCs) and would be composed of top academics from local universities, who would be in regular contact with members of expert groups to explore key policy and technical issues surrounding central bank codes, such as privacy guarantees, Internet security and interconnectivity.
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