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  3. A top Federal Reserve official said the United States is moving forward with a plan to develop a "central bank digital currency,

A top Federal Reserve official said the United States is moving forward with a plan to develop a "central bank digital currency,

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问题     A top Federal Reserve official said the United States is moving forward with a plan to develop a "central bank digital currency," or CBDC.
    The U. S. would not be the first country to consider launching such a currency. China is also considering one. However, the U. S. dollar is very important in the world economy. Supporters of a CBDC say it makes electronic payments faster and simpler. They say there is no need for a bank to take part in the exchange. And people without a bank account could receive secure electronic payments. But critics have concerns about privacy. They say such a system could give the federal government control over people’s financial transactions. There are also economic concerns that the digital dollar could displace the currencies of smaller countries.
    Experts believe that CBDCs are likely to be used in the future. Here are some strengths and weaknesses of digital currencies…
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答案 一位美联储高级官员表示，美国正在推进一项开发“中央银行数字货币”(CBDC)的计划。美国不会是第一个考虑推出这种货币的国家，中国也在考虑中。然而，美元在世界经济中仍非常重要。中央银行数字货币的支持者表示，它使电子支付变得更快、更简单。他们说没有必要让银行参与交易，没有银行账户的人可以接收安全的电子支付。但批评者担心隐私问题，他们说这样的系统可以让联邦政府控制人们的金融交易。还有经济方面的担忧，即数字美元可能会取代较小国家的货币。专家认为，未来很可能会使用中央银行数字货币。以下是数字货币的一些优点和缺点……
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