Banco Central Europeu: o euro digital pode provocar uma saída de depósitos de até 700 mil milhões de euros durante uma corrida ao banco

CoinVoice latest reports, according to Reuters, that the European Central Bank's simulation study on Friday shows that if commercial banks experience uma corrida ao banco, the digital euro could lead to a loss of €700 billion in deposits, with about a dozen banks in the eurozone facing liquidez difficulties. This study was commissioned by European lawmakers to assess the risks of the digital euro on the banking sector. The European Central Bank views digital currency as an alternative to the US-dominated payment methods, but bankers and some lawmakers are concerned it could drain bank funds. The research found that if an individual's holding limit for the digital euro is set at €3,000, depositors would withdraw €699 billion, equivalent to 8.2% of retail demand deposits, with smaller institutions being more affected. In a highly unlikely scenario, 13 out of 2025 banks would exhaust their legal cash buffer. Lawmaker Markus Ferber believes that small banks may face difficulties due to excessively high holding limits and need to be particularly cautious. The European Central Bank stated that the digital euro may be overestimated, as multiple account situations were not considered. In a normal operating scenario, only slightly over €100 billion would flow out, and holding limits could ensure financial stability. The European Central Bank also simulated holding limits of €500, €1,000, and €2,000, resulting in even lower estimated fund outflows. The European Central Bank further stated: "Analysis confirms that holding limits can effectively restrict bank deposit outflows to levels that ensure the stability of the financial system and support the correct formulation and implementation of monetary policy."