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22대 대한민국 국회 국회정보길라잡이 국회의원검색
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정보검색

소장정보 검색

국회도서관 홈으로 정보검색 소장정보 검색
결과 내 검색 동의어 포함
결과 내 검색 동의어 포함

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Title page 1

Contents 1

Abstract 2

Non-technical summary 3

1. Introduction 5

2. Data and experimental design 9

3. Empirical results 15

3.1. CBDC: knowledge and adoption 15

3.2. Communication, preferences and beliefs 17

3.3. Portfolio allocation across assets and CBDC 20

3.4. Holding limits and portfolio allocation into CBDC 24

3.5. Experimental integrity and robustness 26

4. Conclusion 29

References 30

Appendix A. Additional Figures 45

Appendix B. Additional Tables 48

Appendix C. Survey Questions 63

Acknowledgements 83

Tables 40

Table 1. Awareness and propensity to adopt a digital euro 40

Table 2. Information treatment effects on the propensity to adopt 41

Table 3. Additional information acquisition about a digital euro and financial literacy 42

Table 4. Portfolio allocation from a wealth shock 43

Table 5. Holding limits and allocation to digital euro 44

Figures 34

Figure 1. March 2024 question flow and experimental design 34

Figure 2. Consumers' awareness and propensity to adopt digital euro over time 35

Figure 3. Propensity to adopt a digital euro in the control group and average treatment effects 36

Figure 4. Reasons for not adopting a digital euro for retail payments 37

Figure 5. Holding limits and propensity to allocate liquid assets in digital euro 38

Figure 6. Holding limits and propensity to allocate liquid assets in digital euro 39

Appendix Tables 48

Table B1. Association between CBDC awareness and adoption over time 48

Table B2. Drivers of digital euro adoption 49

Table B3. Persistence of information treatment effects on awareness, information acquisition and adoption of a digital euro 50

Table B4. Treatment effect on the share of offline payments 51

Table B5. Portfolio allocation from a wealth shock (full results) 52

Table B6. Portfolio allocation from a wealth shock and cash on hand 53

Table B7. Treatment effects on adoption (extensive margin) across different survey questions 54

Table B8. Holding limits and wealth reallocation (robustness, under top-coded liquid asset bands) 55

Table B9. Portfolio reallocation (amounts) across different holding limits 56

Table B10. Consumers close to the holding limit 57

Table B11. Balance statistics and random assignment of information treatment 58

Table B12. Testing for survey demand effects of the information treatment 59

Table B13. Testing for spillover effects of the information treatment to crypto assets 60

Table B14. Effects of the video treatment on attrition 61

Table B15. Balance statistics and random assignment of holding limits 62

Table C1. Translated text used for the voice-over and video subtitles 81

Appendix Figures 45

Figure A1. Reasons for not adopting a digital euro for retail payments (split by control (C) and video (only) treatment (T)) 45

Figure A2. Holding limits and propensity to allocate liquid assets in digital euro 46

Figure A3. Treatment take-up 47

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