This document includes a response to a consultation Paper published by the Bank of England and HM Treasury, "The digital pound: a new form of money for households and businesses?", the latest Consultation Paper in a series that includes "Central Bank Digital Currency: opportunities, challenges and design" in 2020 and "New forms of digital money" in 2021. This Consultation Paper is about the adoption of central bank digital currency (CBDC) for retail use in the United Kingdom by the Bank of England. We shall address the consultation questions directly in the third section of this document.

翻译：本文档旨在回应英国央行及财政部联合发布的咨询文件《数字英镑：家庭和企业的新型货币？》。该文件是该系列最新咨询文件，此前系列包括2020年发布的《央行数字货币：机遇、挑战与设计》及2021年发布的《新型数字货币形态》。该咨询文件主要探讨英国央行在英国范围内推行零售型央行数字货币（CBDC）的可行性。本文第三部分将直接回应咨询文件中的相关问题。