ChainCatcher 消息，据路透社报道，欧洲央行周五的模拟研究显示，若商业银行发生挤兑，数字欧元或致 7000 亿欧元存款流失，约十几家欧元区银行陷入流动性困境。
该研究受欧洲立法者委托，旨在评估数字欧元对银行业风险。欧洲央行将数字货币视为美国主导支付手段的替代方案，但银行家和部分立法者担忧其会掏空银行资金。研究发现，若设定个人持有数字欧元限额为 3000 欧元，存款人将提取 6990 亿欧元，相当于零售活期存款的 8.2%，小型机构受影响更大。
在极不可能发生的情景下，2025 家银行中有 13 家将耗尽法定现金缓冲。议员 Markus Ferber 认为，小型银行或因持有限额过高而陷入困境，需格外谨慎。欧洲央行称，数字或被高估，因未考虑多账户情况。
常态经营情景下，仅略超 1000 亿欧元流出，持有限额可保障金融稳定。欧洲央行还模拟了个人持有限额分别为 500 欧元、1000 欧元和 2000 欧元的情况，得出的资金外流估计值更低。
欧洲央行还表示：“分析证实，持有限额可有效将银行存款外流限制在保障金融体系稳定、支持货币政策正确制定与实施的水平。”
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