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英国国会财政委员会开始对数字货币和区块链进行调查

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英国国会财政委员会开始对数字货币和区块链进行调查

近日,英国国会众议院财政委员会宣布启动对数字货币和分布式账本(区块链)技术的调查。

据悉,该调查将涵盖:

数字货币在英国的作用,包括数字货币可能给消费者、企业和政府(及相关机构)带来的机遇和风险。

分布式账本技术对金融机构(包括中央银行)和金融基础设施的潜在影响。

政府、FCA和英格兰银行在反洗钱立法方面对数字货币的监管回应,以及如何平衡监管,为消费者和企业提供充分保护而不阻碍创新。

委员会在这次调查中将考虑的一些关键问题包括:

  1. 数字货币最终能否取代传统的支付手段?
  2. 数字货币在多大程度上破坏了经济和公共部门的运作?
  3. 数字货币为消费者,企业和政府带来哪些风险和收益?
  4. 分布式账本技术如何应用?于金融服务领域,未来如何应用?
  5. 政府(及其相关机构)做了哪些工作来理解、做好准备、并在相关情况下鼓励采用数字货币可能带来的变化?
  6. 如果更广泛地采用数字货币(如税收影响,反洗钱措施),政府程序如何适应?
  7. 政府是否在调节数字货币之间取得适当的平衡,以便为消费者和企业提供足够的保护,同时不遏制创新?
  8. 通过提高消费者的信任度,管理模式可以使数字货币初创企业受益
  9. 其他国家的政府和监管机构如何接近数字货币,英国可以从海外学到哪些教训?

The Treasury Committee of the UK House of Parliament  has launched an inquiry into digital currencies and distributed ledger technology – also commonly referenced as Blockchain.This inquiry will examine the use of digital currencies and distributed ledger technology in the UK.

The inquiry will cover:

The role of digital currencies in the UK, including the opportunities and risks digital currencies may bring to consumers, businesses and the Government (and associated bodies).

The potential impact of distributed ledger technology on financial institutions, including the central bank, and financial infrastructure.

The regulatory response to digital currencies from the Government, the FCA and the Bank of England in relation to Anti-Money Laundering legislation and how regulation could be balanced to provide adequate protection for consumers and businesses without stifling innovation.

Some of the key questions the Committee will consider in this inquiry include:

  1. Are digital currencies ultimately capable of replacing traditional means of payment?
  2. To what extent could digital currencies disrupt the economy and the workings of the public sector?
  3. What risks and benefits could digital currencies generate for consumers, businesses and governments?
  4. How is distributed ledger technology being applied in the financial services sector, and how might it be applied in future?
  5. What work has the Government (and its associated bodies) done to understand, prepare for and, where relevant, encourage changes that may be brought about by increased adoption of digital currencies?
  6. How might the Government’s processes adapt should digital currencies be adopted more widely (e.g. tax implications, anti-money laundering measures)?
  7. Is the government striking the right balance between regulating digital currencies to provide adequate protection for consumers and businesses whilst not stifling innovation?
  8. Could regulation benefit digital currency start-ups by improving consumer trust?
  9. How are governments and regulators in other countries approaching digital currencies and what lessons can the UK learn from overseas?

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