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德国:加密货币监管是为了维护金融稳定,不是保护个体投资者

德国联邦金融监督局(BaFin)主席费利克斯·胡菲尔德(Felix Hufeld)说,监管机构的主要作用不是保护个人投资者,而是维护整个金融稳定。

虽然BaFin的作用是保护消费者和维持金融市场的整体稳定,但Hufeld表示,它只能解决系统性风险,不能保护每个投资者不受“他的命运”的影响:

虽然哈菲尔德认为区块链具有颠覆性特点,但他补充说,其真正的潜力在未来的某个时候仍有待观察。他回忆起1991年微软首席执行官比尔·盖茨的著名误判,盖茨把互联网描述为高估的炒作,只是几年后才认识到互联网无限的机会。

对于比特币和区块链是否只是炒作的话题或者是一股可能会显著改变金融市场的力量,哈菲尔德并没有做出结论性的回答。总的来说,哈菲尔德描绘了一幅相对积极的区块链技术图景:

“然而,这项技术的破坏性潜力不仅仅是节省成本。你和我今天都没有想到的全新商业模式可能会出现。每天,许多人都在努力为区块链找到更多的用途,并在很大范围内使用这种技术。”

哈菲尔德仍对加密货币持怀疑态度。他表示,加密货币在洗钱和资助恐怖主义方面的潜在用途是“最坏的情况”。他补充称,BaFin应与世界各地的其他监管机构合作,努力实现“全球标准和国际商定的监管标准”。

今年4月,哈菲尔德在2018年联邦科技会议开幕致辞中呼吁对加密货币进行谨慎监管。他说,区块链监管必须限制风险,同时不减少它带来的机遇。

Felix Hufeld, President of the Federal Financial Supervisory Authority in Germany (BaFin), said the primary role of his regulatory authority is not individual investor protection, but the preservation of overall financial stability, Cointelegraph auf Deutsch reported today, June 12.

While the role of BaFin is to protect consumers and maintain general financial market stability, Hufeld stated that it can only address systemic risks, and cannot protect every investor from “his fate.” Hufeld explained:

"That's why we warned ICOs last November, pointing out the high price volatility of crypto-tokens. We will not be able to protect every single investor from his fate, and that cannot be the task of state supervision. Once again, the maxim is that we must act prudently or regularly if financial stability as a whole is threatened or if consumers are systematically harmed."

While Hufeld characterized blockchain technology as disruptive, he added that its true potential remains to be seen sometime in the future. He recalled the famous misjudgment of the then Microsoft CEO Bill Gates in 1991, in which Gates described the Internet as overrated hype, only to recognize the boundless opportunities a few years later.

Hufeld did not conclusively answer the question of whether Bitcoin and blockchain are only a subject of hype, or a force that could significantly change financial markets. Overall, Hufled drew a relatively positive picture of blockchain technology:

"The disruptive potential of this technology, however, goes beyond saving costs. Completely new business models could emerge that neither you nor I think of today. And every day, many people are working to find further uses for the blockchain and to use the technology over a large area”.

Hufeld remains skeptical of cryptocurrencies, saying that their potential use in enabling money laundering and terrorist financing is a “worst case”. He added that BaFin should cooperate and collaborate with other regulators worldwide and strive for "global standards and internationally agreed supervisory standards".

In April, Hufeld called for cautious regulations on cryptocurrencies in the opening speech of the BaFin-Tech 2018 conference. He said that blockchain regulation must limit risks without diminishing the opportunities it brings.


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