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美国财政部:分布式账本可能引发监管问题

区块链国际资讯监管与政策

美国财政部:分布式账本可能引发监管问题

12月13日,美国财政部金融稳定监管委员会(Financial Stability Oversight Council,后文简称FSOC)发布了2017年金融市场状况和国家经济的年度报告。FSOC成立于2010年,就在《多德·弗兰克金融监管法案》出台之后,旨在监测和报告美国市场的金融风险。

这份报告认为,“加密货币代表着一种不同的支付方式,虽然目前只有一小部分人口在使用加密货币,但银行和其他现有的金融服务提供商也进入了这个市场。”

与美国监管生态系统的其他机构一样,FSOC在报告中认为,去中心化分布式账本技术的使用可能会给监管机构带来一些问题,特别是这种技术将信息存储在一个分布式网络上而不是一个中心化的地方,因为目前的监管实施都是为更加中心化的系统而设计的。

除了这些潜在的问题,FSOC报告还指出,加密货币和区块链的使用目前总体上“规模小但是在持续增长”。尽管这些这些技术对更广泛的金融系统产生的影响目前“可能有限”,但是它对支付和金融基础设施的适用性值得进一步审查。

报告表示:

“然而,鉴于越来越多的市场参与者和金融机构投资于这些领域,金融监管机构希望监测和分析它们对金融稳定的影响。”

注:报告全文下载,请点击

The U.S. Treasury's Financial Stability Oversight Council (FSOC) released its annual report on the state of financial markets and the nation's economy on Dec. 13. The FSOC was created in 2010 after the passage of the Dodd-Frank financial regulation law and is designed to monitor and report on perceived risks to markets in the U.S.

The report details that cryptocurrencies "represent a different approach to payment," noting that, while only a small percentage of the population is currently using them, "banks and other existing financial service providers have also entered the market."

Echoing other parts of the U.S. regulatory ecosystem, the FSOC notes in the report that the tech's use could lead to issues for regulators, particularly in regards to information that is stored across a distributed network rather than one, centralized place.

Those potential issues aside, the FSOC report posits that, currently, the use of cryptocurrencies and blockchain more generally is "small but growing." And while deeming that the impact of these technologies on the broader financial system is "likely limited" at this time, the interest in its applicability to both payments and financial infrastructure warrants additional scrutiny.

"However, in light of the growing number of market participants and financial institutions investing in these areas, it is desirable for financial regulators to monitor and analyze their effects on financial stability," the report states.

The full FSOC report can be found HERE.


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