This document constitutes 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 document in a series that includes "Central Bank Digital Currency: opportunities, challenges and design" in 2020 and "New forms of digital money" in 2021. The Consultation Paper concerns 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：本文是对英格兰银行与英国财政部发布的咨询文件《数字英镑：面向家庭和企业的新型货币？》的回应，该文件是系列文件中的最新一份，此前包括2020年的《中央银行数字货币：机遇、挑战与设计》和2021年的《数字货币的新形式》。该咨询文件涉及英格兰银行在英国零售领域采用中央银行数字货币（CBDC）的相关事宜。我们将在本文的第三部分直接回应咨询问题。