{"id":1061,"date":"2018-04-09T09:00:50","date_gmt":"2018-04-09T07:00:50","guid":{"rendered":"https:\/\/blockchain-x.eu\/?p=1061"},"modified":"2018-04-09T15:07:58","modified_gmt":"2018-04-09T13:07:58","slug":"les-banques-centrales-vont-elles-bientot-emettre-des-crypto-actifs","status":"publish","type":"post","link":"https:\/\/theblockchainforgood.org\/index.php\/2018\/04\/09\/les-banques-centrales-vont-elles-bientot-emettre-des-crypto-actifs\/","title":{"rendered":"Les banques centrales vont-elles bient\u00f4t \u00e9mettre des crypto-actifs ?"},"content":{"rendered":"<p>Jesse Lund, responsable des solutions blockchain pour les services financiers chez IBM, a r\u00e9cemment d\u00e9clar\u00e9 sur un <a href=\"https:\/\/www.reddit.com\/r\/Stellar\/comments\/8591m1\/im_jesse_lund_vice_president_ibm_blockchain\/?limit=500\" target=\"_blank\" rel=\"noopener\">forum Reddit<\/a>, lors d&rsquo;une session de questions informelles, que la firme allait prochainement lancer solution de <em>Central bank digital currency (CBDC)\u00a0<\/em>s&rsquo;appuyant sur le r\u00e9seau Stellar et la blockchain du m\u00eame nom.<\/p>\n<p>Une\u00a0<em>Central bank digital currency (CBDC), <\/em>une\u00a0monnaie \u00e9lectronique\u00a0de banque centrale, \u00e9galement appel\u00e9e \u00ab Digital Fiat Currency \u00bb ou \u00ab monnaie de base num\u00e9rique \u00bb est la forme num\u00e9rique de la monnaie fiduciaire, (la monnaie comprenant les pi\u00e8ces et les billets de banque), \u00e9tablie par la loi ou par la r\u00e9glementation gouvernementale. (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Central_Bank_Digital_Currency\" target=\"_blank\" rel=\"noopener\">Source<\/a>).<\/p>\n<p>Elle se distingue d&rsquo;un crypto-actif provenant d&rsquo;une blockchain publique comme le bitcoin ou l&rsquo;ether puisqu&rsquo;elle est adoss\u00e9e \u00e0 une banque centrale et donc \u00e9mise par l&rsquo;instance m\u00eame dont le bitcoin propose de se passer.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignright size-full wp-image-1086\" src=\"https:\/\/blockchain-x.eu\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens.png 300w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens-150x150.png 150w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens-32x32.png 32w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens-50x50.png 50w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens-64x64.png 64w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens-96x96.png 96w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/04\/logo-stellar-lumens-128x128.png 128w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>La solution propos\u00e9e par IBM s&rsquo;appuie donc sur le r\u00e9seau\u00a0<a href=\"https:\/\/blockchain-x.eu\/index.php\/2018\/02\/11\/r3-une-blockchain-au-service-dun-consortium-de-banques-2\/\">Stellar<\/a>,\u00a0dont nous avons longuement parl\u00e9 <a href=\"https:\/\/blockchain-x.eu\/index.php\/2018\/02\/11\/r3-une-blockchain-au-service-dun-consortium-de-banques-2\/\">ici<\/a>, et\u00a0qui permet d&rsquo;\u00e9changer de l&rsquo;argent d&rsquo;un pays \u00e0 l&rsquo;autre en quelques secondes et pour un co\u00fbt modique, un \u00ab <em>atout pour soutenir le change et le r\u00e8glement en temps r\u00e9el\u00a0<\/em>\u00bb selon Jesse Lund.<\/p>\n<p>La solution permettra aux banques commerciales d&rsquo;effectuer des paiements transfrontaliers. Elle permettra \u00e9galement \u00e0 la banque centrale cliente d&rsquo;\u00e9mettre des actifs num\u00e9riques, pr\u00e9sent\u00e9s comme\u00a0\u00ab<em>\u00a0une alternative et un compl\u00e9ment \u00e0 Lumens\u00a0<\/em>\u00bb, le crypto-actif de Stellar. Si le r\u00e9seau Stellar est public, ce r\u00e9seau destin\u00e9 aux banques centrales est construit \u00ab\u00a0au-dessus\u00a0\u00bb et sera donc priv\u00e9.<\/p>\n<p>Selon <a href=\"https:\/\/voxeu.org\/article\/benefits-central-bank-digital-currency\" target=\"_blank\" rel=\"noopener\">Michael Bordo et Andrew Levin<\/a>, tous les deux professeurs d&rsquo;\u00e9conomie, les b\u00e9n\u00e9fices \u00e0 ce que les banques centrales mettent en place une CBDC sont nombreux :<\/p>\n<ul>\n<li><strong>S\u00e9curit\u00e9 des syst\u00e8mes de paiement\u00a0<\/strong>: un instrument de paiement num\u00e9rique interop\u00e9rable s\u00e9curis\u00e9 et standard, d\u00e9livr\u00e9 et g\u00e9r\u00e9 par une banque centrale et utilis\u00e9 comme instrument de paiement num\u00e9rique national, renforce la confiance dans les syst\u00e8mes mon\u00e9taires priv\u00e9s et renforce la confiance dans l&rsquo;ensemble du syst\u00e8me national de paiement tout en stimulant la concurrence dans les syst\u00e8mes de paiement.<\/li>\n<li><strong>Protection de l&rsquo;argent en tant que service public\u00a0<\/strong>: les monnaies num\u00e9riques \u00e9mises par les banques centrales constitueraient une alternative moderne \u00e0 l&rsquo;argent physique &#8211; dont l&rsquo;abolition est actuellement envisag\u00e9e.<\/li>\n<li><strong>Pr\u00e9servation du revenu du seigneuriage\u00a0<\/strong>: l&rsquo;\u00e9mission publique en monnaie num\u00e9rique \u00e9viterait une r\u00e9duction pr\u00e9visible du revenu de seigneuriage pour les gouvernements en cas de disparition de l&rsquo;argent physique.<\/li>\n<li><strong>Inclusion financi\u00e8re\u00a0<\/strong>: les comptes d&rsquo;argent s\u00fbr d\u00e9tenus par les banques centrales pourraient constituer un instrument fort d&rsquo;inclusion financi\u00e8re, permettant \u00e0 tout r\u00e9sident l\u00e9gal ou citoyen d&rsquo;obtenir un compte bancaire de base gratuit ou \u00e0 faible co\u00fbt;<\/li>\n<li><strong>Efficacit\u00e9 technologique\u00a0<\/strong>: au lieu de s&rsquo;appuyer sur des interm\u00e9diaires tels que les banques et les chambres de compensation, les transferts d&rsquo;argent et les paiements pourraient \u00eatre effectu\u00e9s en temps r\u00e9el, directement du payeur au b\u00e9n\u00e9ficiaire.<\/li>\n<li><strong>Concurrence bancaire\u00a0<\/strong>: la mise \u00e0 disposition de comptes bancaires gratuits \u00e0 la banque centrale offrant une s\u00e9curit\u00e9 totale des d\u00e9p\u00f4ts d&rsquo;argent pourrait renforcer la concurrence entre banques pour attirer les d\u00e9p\u00f4ts bancaires, par exemple en offrant \u00e0 nouveau des d\u00e9p\u00f4ts \u00e0 vue r\u00e9mun\u00e9r\u00e9s.<\/li>\n<li><strong>Transmission de la politique mon\u00e9taire\u00a0<\/strong>: l&rsquo;\u00e9mission de monnaie de base par les transferts au public pourrait constituer un nouveau canal de transmission de la politique mon\u00e9taire, qui permettrait un contr\u00f4le plus direct de la masse mon\u00e9taire que des outils tels que l&rsquo;assouplissement quantitatif et les taux d&rsquo;int\u00e9r\u00eat, et \u00e9ventuellement ouvrir la voie vers un syst\u00e8me bancaire de r\u00e9serve complet. [27]<\/li>\n<li><strong>S\u00e9curit\u00e9 financi\u00e8re\u00a0<\/strong>: La CBDC limiterait la pratique des banques \u00e0 r\u00e9serves fractionn\u00e9es et rendrait potentiellement moins n\u00e9cessaires les syst\u00e8mes de garantie des d\u00e9p\u00f4ts\u00a0\u00bb.<\/li>\n<\/ul>\n<p>Aujourd&rsquo;hui, nombreux sont les Etats \u00e0 s&rsquo;y int\u00e9resser.<\/p>\n<p>En juin 2016, la banque centrale du Canada avait d\u00e9j\u00e0 annonc\u00e9 travailler\u00a0avec Payments Canada, <a href=\"https:\/\/blockchain-x.eu\/index.php\/2018\/02\/08\/r3-une-blockchain-au-service-dun-consortium-de-banques\/\" target=\"_blank\" rel=\"noopener\">R3 (un consortium de banque)<\/a> et des banques canadiennes,\u00a0sur une\u00a0Digital Fiat Currency appel\u00e9e <a href=\"https:\/\/www.forbes.com\/sites\/laurashin\/2016\/06\/16\/canada-has-been-experimenting-with-a-digital-fiat-currency-called-cad-coin\/#48996e7246a4\" target=\"_blank\" rel=\"noopener\">CAD Coin<\/a>. Et \u00e0 la m\u00eame \u00e9poque, <a href=\"http:\/\/fortune.com\/2017\/10\/16\/ibm-blockchain-stellar\/\" target=\"_blank\" rel=\"noopener\">IBM et Stellar travaillaient \u00e9galement ensemble sur le sujet<\/a>.<\/p>\n<p>Sujet d&rsquo;int\u00e9r\u00eat de <a href=\"https:\/\/www.ecb.europa.eu\/press\/key\/date\/2017\/html\/sp170116.en.html\" target=\"_blank\" rel=\"noopener\">l&rsquo;Europe<\/a>, mais aussi de la People&rsquo;s Bank of China ou encore de la Banque d&rsquo;Angleterre qui ont tout deux indiqu\u00e9 conduire des travaux sur les CBDC, une\u00a0<a href=\"https:\/\/scholar.google.fr\/scholar?hl=fr&amp;as_sdt=0%2C5&amp;q=%22central+bank+digital+currency%22&amp;btnG=\" target=\"_blank\" rel=\"noopener\">litt\u00e9rature scientifique<\/a> se d\u00e9veloppe \u00e9galement depuis 5 ans.<\/p>\n<p>Apr\u00e8s l&rsquo;annonce du Petro, une CBDC bas\u00e9e sur le p\u00e9trole, <a href=\"https:\/\/cointelegraph.com\/news\/after-releasing-oil-backed-petro-venezuelan-president-hints-at-gold-backed-petro-oro\" target=\"_blank\" rel=\"noopener\">le pr\u00e9sident v\u00e9n\u00e9zu\u00e9lien a ensuite fait allusion<\/a> au \u00ab Petro Oro \u00bb, une CBDC adoss\u00e9 \u00e0 l&rsquo;or.<\/p>\n<p>En janvier 2018, un projet de loi a \u00e9t\u00e9 propos\u00e9 devant le parlement russe pour mettre en place un \u00ab Cryptorouble \u00bb,\u00ab <em>un\u00a0actif financier num\u00e9rique (crypto-monnaie) &#8211; analogue au rouble, qui circulera sur le territoire de la F\u00e9d\u00e9ration de Russie, et sera prot\u00e9g\u00e9 par des m\u00e9thodes cryptographiques et utilis\u00e9 par les participants dans un registre distribu\u00e9 de transactions num\u00e9riques \u00bb.\u00a0<\/em>M\u00eame annonce de la part de la banque centrale d&rsquo;Indon\u00e9sie ou encore d&rsquo;Isra\u00ebl.<\/p>\n<p>La Su\u00e8de, l&rsquo;Estonie et m\u00eame la Suisse <a href=\"http:\/\/fr.newsmonkey.be\/article\/23697\" target=\"_blank\" rel=\"noopener\">semblent \u00e9galement s&rsquo;y int\u00e9resser<\/a>.<\/p>\n<p>Alors bien s\u00fbr, il faut faire le tri entre les effets d&rsquo;annonces et la r\u00e9alit\u00e9 des choses. A ce jour, ni une banque centrale ni un Etat n&rsquo;a v\u00e9ritablement mis en place un crypto-actif. Faut-il y voir une course \u00e0 celui qui pourra l&rsquo;annoncer le premier ?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jesse Lund, responsable des solutions blockchain pour les services financiers chez IBM, a r\u00e9cemment d\u00e9clar\u00e9 sur un forum Reddit, lors d&rsquo;une session de questions informelles, que la firme allait prochainement lancer solution de Central bank digital currency (CBDC)\u00a0s&rsquo;appuyant sur le r\u00e9seau Stellar et la blockchain du m\u00eame nom. Une\u00a0Central bank digital currency (CBDC), une\u00a0monnaie \u00e9lectronique\u00a0de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1089,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","footnotes":""},"categories":[42],"tags":[],"class_list":["post-1061","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blockchain-transfert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les banques centrales vont-elles bient\u00f4t \u00e9mettre des crypto-actifs ? - Blockchain for Good<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/theblockchainforgood.org\/index.php\/2018\/04\/09\/les-banques-centrales-vont-elles-bientot-emettre-des-crypto-actifs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les banques centrales vont-elles bient\u00f4t \u00e9mettre des crypto-actifs ? - Blockchain for Good\" \/>\n<meta property=\"og:description\" content=\"Jesse Lund, responsable des solutions blockchain pour les services financiers chez IBM, a r\u00e9cemment d\u00e9clar\u00e9 sur un forum Reddit, lors d&rsquo;une session de questions informelles, que la firme allait prochainement lancer solution de Central bank digital currency (CBDC)\u00a0s&rsquo;appuyant sur le r\u00e9seau Stellar et la blockchain du m\u00eame nom. 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