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IMF官员:央行需要和加密货币竞争

国际货币基金组织(IMF)货币与资本市场部副主任何东认为,中央银行需要提供“更好”的法定货币,以抵御来自加密货币的潜在竞争。

这一观点出现在周四发表的文章中,由何东副主任执笔。文章主张“加密资产可能有一天会减少(金融体系)对央行货币的需求”,认为央行可能考虑采用一些技术概念或想法,以“避免加密资产可能对法定货币施加的竞争压力”。

何东的这一观点值得注意,不禁让人想起他以及包括主任Christine Lagarde在内其他国际货币基金组织官员过去的言论。事实上,今年3月,Lagarde在一次活动中表示,监管机构应该部署一些技术元素,以“用火来对抗火灾”(fight fire with fire)。

何东副主任在最新一篇文章中的论点是基于这样一种可能性:如果加密货币和加密资产被广泛采用,央行有可能会失去通过利率变化等手段来影响经济的能力。

何东认为,加强监管可能会为中央银行带来推动力。

“其次,政府当局应该对加密资产的使用进行监管,以防止由于监管力度不够而可能导致的监管套利和不公平竞争优势。”他写道, “这意味着要采取严格措施来防止洗钱和资助恐怖主义,加强消费者保护,并有效地对加密交易征税。”

他还谈到了央行自身的一些想法,即创建能够以点对点的方式进行交易的数字化资产。

“举个例子,央行可以发行自己的数字代币来作为对实物现金和银行储备的补充,从而使央行的货币对用户更加友好。这种央行的数字货币可以以分散的方式进行点对点交易,就像是加密资产那样的。”文章接着说。

这是一些中央银行正在研究的想法,虽然各个央行对这类提案的有效性有不同的看法。举个例子,就在本周,香港金融管理局的一位官员表示,尽管该地区在对加密资产进行研究,但尚无启动数字货币发行的计划。

A deputy director for the International Monetary Fund's Monetary and Capital Markets Department believes that central banks need to offer "better" fiat currencies in order to fend off any potential competition from cryptocurrencies.

The suggestions came in an article published Thursday, penned by deputy director Dong He. In that article – which boasts the tagline "Crypto assets may one day reduce demand for central bank money" –  He argues that central banks may want to consider adopting some of the concepts in order to "forestall the competitive pressure crypto assets may exert on fiat currencies."

It's a notable statement and one that echoes past remarks from He as well as other IMF officials, including director Christine Lagarde. Indeed, Lagarde, back in March, said during an event that regulators should deploy some elements of the tech in order to "fight fire with fire."

He's argument in the latest piece is based on the possibility that, should cryptocurrencies and crypto-assets see wider adoption, there is a chance that central banks will lose their ability to influence the economy through tactics such as interest rate changes.

The deputy director suggested that tightening regulation could provide a boost for central banks.

"Second, government authorities should regulate the use of crypto assets to prevent regulatory arbitrage and any unfair competitive advantage crypto assets may derive from lighter regulation," He wrote. "That means rigorously applying measures to prevent money laundering and the financing of terrorism, strengthening consumer protection, and effectively taxing crypto transactions."

He also pointed to the idea of central banks creating their own digitized assets that could be exchanged in a peer-to-peer fashion

"For example, they could make central bank money user-friendly in the digital world by issuing digital tokens of their own to supplement physical cash and bank reserves. Such central bank digital currency could be exchanged, peer to peer in a decentralized manner, much as crypto assets are," the article went on to say.

It's an idea that a number of central banks are researching, though opinions differ on the effectiveness of such proposals. Just this week, for example, an official for the Hong Kong Monetary Authority (the region's de facto central bank) said that it currently has no plans for a digital currency launch in spite of its research in the area.


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