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印度央行考虑全面禁止比特币等加密货币交易

加密货币可能是当今金融届最吸引人的话题之一,但它们却未能给印度央行留下深刻的印象。

印度储备银行(RBI)的主管 S Ganesh Kumar已明确表示,印度未来将不会允许比特币这样的虚拟货币在该国进行交易。

Kumar的言论,很可能结束了印度合法化虚拟货币的猜测。然而,Kumar表示这些虚拟货币的底层区块链技术,则拥有显著的潜力。据悉,印度央行已依托区块链来实现海外交易、国际汇款等过程。

几个月以来,关于印度政府抑制使用加密货币的讨论已经取得了进展,尽管官方禁止加密货币使用的通知仍在等待当中。

印度央行早些时候暗示,其可能会发行自己的加密货币。该央行还补充称,其对现有的由私人持有的虚拟货币缺乏信心。

据报道,八月时印度财政部的一个专家小组也建议该国禁止使用加密货币,理由是它们可能被用于洗钱和欺诈。除了这些原因之外,比特币的价格飙升也使得印度政府感到不安。例如,在11月6号,单个比特币的价值大约为49.2万卢布(约合7610.80美元),相比三个月前已经飙升了2倍之多。

印度的加密货币生态系统非常小:目前只有几家餐馆接受比特币,还有一些虚拟货币交易所允许用户用比特币购买书籍或电影票。比特币在印度,主要是被用作一种投资选择。

不出所料,印度虚拟货币交易的参与者们对该消息并不高兴。“我们将尽我们最大的努力,继续为政府提供有关加密货币益处的信息,” 印度比特币交易所Zebpay的联合创始人Sandeep Goenka表示,“其可将印度转变为一个金融科技枢纽,提高金融包容性,此外,它还有多种好处。”

Crypto-currencies may be one of the most intriguing subjects in the world of finance right now but they have failed to impress India’s central bank.

In a fairly definitive expression of its stance, a director of the Reserve Bank of India (RBI) has signalled that virtual currencies like bitcoin won’t be allowed in the country. “Our current position on bitcoins is that we will not be using it for any payments and settlements…though the technology underlying crypto-currencies will not end,” said S Ganesh Kumar, executive director of the RBI, at a conference in Mumbai on Nov. 06.

Kumar’s comments are likely to end much of the speculation over the legitimacy of virtual currencies in India. However, blockchain technology, which underlies these virtual currencies, has significant potential, added Kumar. Banks in India are already relying on blockchain to enable overseas transactions, international remittances, and other processes.

For a few months now, talk about the government curbing the use of crypto-currencies has gained momentum, although an official notification to ban their use is still awaited. The RBI had earlier hinted at the possibility of India having its own crypto-currency, backed by the central bank, adding that it lacked confidence in existing virtual currencies that are privately held.

In August, a finance ministry panel also reportedly recommended that virtual currencies should be banned in the country because of their potential misuse for money laundering and fraud. Among other reasons, the soaring price of bitcoin has made the government uneasy. On Nov. 06, for instance, a single bitcoin was worth Rs4.92 lakh ($7,610.80), more than twice its value three months ago.

The crypto-currency ecosystem in India is very small: Bitcoin is accepted at only a few restaurants, and some virtual currency exchanges allow users to make payments for books or movie tickets. It is mainly being used as an investment option.

Unsurprisingly, participants in India’s virtual currency trade are displeased. “We will do our best to continue with our efforts to educate the government about crypto-currencies,” said Sandeep Goenka, co-founder of Zebpay, a bitcoin exchange. “It can be useful for India by turning the country into a fintech hub, to increase financial inclusion, and there are several other benefits of it.”


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