The macroeconomics of central bank digital currencies

We study the macroeconomic consequences of issuing central bank digital currency (CBDC) - a universally-accessible and interest-bearing central bank liability that competes with bank deposits as medium of exchange. In a DSGE model calibrated to match the pre-2008 US, we find that CBDC issuance of 30...

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Published inJournal of economic dynamics & control Vol. 142; p. 104148
Main Authors Barrdear, John, Kumhof, Michael
Format Journal Article
LanguageEnglish
Published Elsevier B.V 01.09.2022
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ISSN0165-1889
1879-1743
DOI10.1016/j.jedc.2021.104148

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Abstract We study the macroeconomic consequences of issuing central bank digital currency (CBDC) - a universally-accessible and interest-bearing central bank liability that competes with bank deposits as medium of exchange. In a DSGE model calibrated to match the pre-2008 US, we find that CBDC issuance of 30% of GDP, against government bonds, could permanently raise GDP by 3%, due to lower real interest rates, distortionary taxes, and monetary transaction costs. Countercyclical CBDC policy rules, as a second monetary policy tool, could substantially improve the central bank’s ability to stabilise the business cycle. Risks to banks can be minimized through appropriate issuance arrangements.
AbstractList We study the macroeconomic consequences of issuing central bank digital currency (CBDC) - a universally-accessible and interest-bearing central bank liability that competes with bank deposits as medium of exchange. In a DSGE model calibrated to match the pre-2008 US, we find that CBDC issuance of 30% of GDP, against government bonds, could permanently raise GDP by 3%, due to lower real interest rates, distortionary taxes, and monetary transaction costs. Countercyclical CBDC policy rules, as a second monetary policy tool, could substantially improve the central bank’s ability to stabilise the business cycle. Risks to banks can be minimized through appropriate issuance arrangements.
ArticleNumber 104148
Author Barrdear, John
Kumhof, Michael
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Distributed ledgers
E42
E41
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Seigniorage
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Money creation
Countercyclical policy
Blockchain
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Money demand
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Endogenous money
Financial intermediation
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Snippet We study the macroeconomic consequences of issuing central bank digital currency (CBDC) - a universally-accessible and interest-bearing central bank liability...
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elsevier
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StartPage 104148
SubjectTerms Bank lending
Banks
Blockchain
Central bank digital currency
Countercyclical policy
Distributed ledgers
Endogenous money
Financial intermediation
Money creation
Money demand
Seigniorage
Title The macroeconomics of central bank digital currencies
URI https://dx.doi.org/10.1016/j.jedc.2021.104148
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