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区块链国际资讯监管与政策

美国财政部:有必要开发监管沙盒,为区块链撑起保护伞

区块链国际资讯监管与政策

美国财政部:有必要开发监管沙盒,为区块链撑起保护伞

美国财政部长Steve Mnuchin提交给总统特朗普的题为《创造经济机遇的金融体系:非银行金融、金融科技和创新》的报告中,对当前的货币体系进行了审查,提出了对加密货币进行彻底变革,这意味着在削弱监管的情形下培育新技术。

该报告涉及广泛的问题,其中许多问题与加密货币行业高度相关。财政部承认加密货币和区块链技术的崛起,并提及该领域的快速发展。不过,该报告没有直接提供任何关于加密货币发展的建议或结论。

1、随着数字银行的崛起,先进的分布式账本技术对金融服务业产生了影响。

该报告指出,伴随着数字银行兴起,对加密货币和分布式账本技术等技术将对金融服务业的创新产生影响。这些先进技术的出现,催生了基于区块链网络发展。

2、对于区块链创新,美国政府的立场是支持的。

财政部还指出,区块链和分布式账本技术目前是在美国金融稳定监督委员会的直接管理之下。美国政府对这项技术的立场是支持的,并表示制定促进新兴产业增长的法规,财政部说道:

支持创新在整个监管体系中至关重要,无论是在联邦层面还是在州层面上。财政部鼓励新商业模式的推出,寻求能降低成本、改善客户体验、完善信贷等业务的创新技术。

3、有必要更新现行的监管框架,为消费者切身利益和行业的发展创造条件。

政府的客观立场对加密货币的发展至关重要,因为这样不会影响该技术的远大前程和广泛采用。该报告承认,目前的监管框架可能已过时。对于不断发展的新商业模式和新产品来说,金融监管框架要跟上节奏、不断更新,以便能提供好的解决方案来维护消费者利益。

4、简化支付系统可行,要跟上国际步伐,开发监管沙盒可以为区块链创新撑起保护伞。

美国财政部讨论了可以简化支付系统的技术,为了在英国、新加坡和香港等地面前保持竞争力,该报告还重要的是提到了监管沙箱的开发。

有了监管沙盒,政府在密切关注新兴产业的同时,不会因监管力度而影响其发展。“监管沙盒”在许多国家都很流行,大多数人认为这是监管加密货币产业的最佳方式。

报告建议在美国建立一个沙盒监管环境说明:

在国际上,许多国家设立“创新指引者”岗位和推出各种形式的监管沙盒。由于美国金融监管体系的特性,直接复制过来比较困难。我们财政部致力于与联邦和州级金融监管机构建立一个统一的解决方案来实现这些目标。从本质上说,就是监管沙箱。

亚利桑那州在加密货币的采用上一直走在前沿,在美国是第一个为金融科技企业提供一个沙箱环境的区域。使得这些企业在申请监管许可之前,有两年的时间与多达一万名客户测试产品和服务。

该报告总结道:

美国必须与新兴技术肩并肩共同进步,以一种不限制创新的方式适当调整监管策略。并且美国监管机构必须比过去更加灵活地履行职责,不能给创新的发展带来不必要的阻碍。

The U.S. Treasury Department released its highly anticipated report that examines the current monetary system, discusses cryptocurrency, and proposes sweeping changes that would cut regulatory inefficiency and incubate new technologies.

The report, which is titled “A Financial System That Creates Economic Opportunities: Nonbank Financials, Fintech, and Innovation” was drafted under Treasury Secretary Steve Mnuchin and addressed to President Donald Trump. The report does not directly provide any recommendations or conclusions on cryptocurrencies, but the technologies are mentioned.

Cryptocurrency-Related Issues

The report covers a broad range of issues, many of which are highly relevant to the cryptocurrency industry. The Treasury Department acknowledges the escalation of cryptocurrency and blockchain technologies, noting the rapidly progressing nature of the economy.

In a section titled “Digitization of Finance and the Economy,” they note that parallel to the rise of mobile and digital banking, complimenting technologies like cryptocurrencies and distributed ledger technologies are “poised to impact innovations in financial services.” They elaborate on this, saying:

“Technology developments that are poised to impact innovation in financial services include advances in cryptography and distributed ledger technologies, giving rise to blockchain-based networks.”

The Treasury also notes that blockchain and distributed ledger technologies are being examined by the Financial Stability Oversight Council, which was founded after the 2008 financial crises with the goal of guiding federal regulators on important issues.

Importantly, the Treasury makes it clear that the government wants to support new innovations, and to develop regulations that incubate growth within emerging industries, saying:

“Support of innovation is critical across the regulatory system — both at the federal and state levels…Treasury supports encouraging the launch of new business models … to pursue innovative technologies to lower costs, improve customer outcomes, and improve access to credit and other services.”

A do no harm approach by the government is critical for cryptocurrencies and will ultimately lead to greater success and adoption. The report acknowledges that current regulatory frameworks may be outdated and updates to it are necessary in order to allow solutions that offer benefits to consumers, saying:

“The financial regulatory framework is not always optimally suited to address new business models and products that continue to evolve in financial services … Financial regulation should be modernized to more appropriately address the evolving characteristics of financial services of today and in the future.”

Regulatory Efficiency

The U.S. Treasury discusses technologies that could streamline payment systems, and importantly mentions the development of regulatory sandboxes that allow for innovation in order for the U.S. to stay competitive with places like the U.K., Singapore, and Hong Kong.

The sandbox method, which entails the government keeping a watchful eye on emerging industries, but not harming them with regulation, is popular in many countries, and most people see it as the best way to regulate the cryptocurrency industry.

Arizona has been on the forefront of cryptocurrency adoption and was the first state in the United States to offer a sandbox environment for fintech companies, which will allow companies to test their products and services for up to two years with as many as 10,000 customers before needing to apply for licensing.

This allows cryptocurrency and blockchain companies to actively develop and test products without working around regulatory requirements.

The report recommends creating a sandbox regulatory environment in the U.S., stating:

“Internationally, many countries have established ‘innovation facilitators’ and various regulatory ‘sandboxes’ — testing grounds for innovation…While replicating this approach in the United States is complicated by the fragmentation of our financial regulatory system, Treasury is committed to working with federal and state financial regulators to establish a unified solution that accomplishes these objectives — in essence, a regulatory sandbox.”

The Treasury report concludes that the United States must “stay abreast of developments in technology and to properly tailor regulations in a manner that does not constrain innovation.” And that U.S. regulators “must be more agile than in the past in order to fulfill their statutory responsibilities without creating unnecessary barriers to innovation.”

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