需求还是不需求：量化CBDC未来需求（中）

The IMF Working Paper WP/23/9 presents a structural, choice-theoretic model to quantify the future demand for Central Bank Digital Currency (CBDC). The model includes banks, the central bank, the payment system, and the surrounding private sector economic environment. The authors conduct a structural counterfactual to introduce an optionally interest-bearing CBDC and estimate its impact on emerging CBDC-in-total-money shares, deposit rate spreads, reserve needs, profits rotation, and monetary policy pass-through. The upper bound estimates for the CBDC-in-money shares are about 25% and 20% for the US and euro area, respectively, when CBDC would be r

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