而央行数字货币的主要问题在于它们会破坏当前的条块化储备体系，商业银行通过这种体系来借出比手中持有的流动性存款更多的资金，进而创造出货币。
The main problem with CBDCs is that they would disrupt the current fractional-reserve system through which commercial banks create money by lending out more than they hold in liquid deposits.