歐盟針對加密資產的新的100％資本規則的保險公司針對保險公司

歐洲監管機構正在為投資數字貨幣投資的保險公司實施更嚴格的規則，這標誌著歐盟的加密貨幣方法發生了重大轉變。

European regulators are planning to impose stricter capital requirements on insurers investing in digital currencies, aiming to limit the institutions' exposure to the volatile crypto market.

歐洲監管機構正計劃對投資數字貨幣投資的保險公司施加更嚴格的資本要求，以限制機構對揮發性加密市場的影響。

The European Insurance and Occupational Pensions Authority (Eiopa) has recommended that insurers be required to hold capital equivalent to 100% of the value of any crypto assets they hold.

歐洲保險和職業退休金局（EIOOPA）建議保險公司持有其持有的任何加密資產價值的100％的資本。

The proposal, part of Eiopa's suggestions for the upcoming Solvency II review, is intended to discourage further investment in digital assets by making it much more expensive for insurers to hold such assets.

該提案是EIOOPA關於即將到來的償付能力II審查的建議的一部分，旨在通過使保險公司持有此類資產的昂貴來阻止對數字資產的進一步投資。

Currently, most insurers must allocate capital covering between 60% and 80% of their crypto holdings. However, the new regulation would impose full capital coverage for all crypto assets, including popular cryptocurrencies like Bitcoin and Ethereum, as well as stablecoins and tokenized assets linked to traditional financial instruments such as debt or equities.

目前，大多數保險公司必須分配覆蓋其加密貨幣60％至80％的資本。但是，新法規將對所有加密資產（包括比特幣和以太坊等流行的加密貨幣）以及與傳統金融工具（例如債務或股權等傳統金融工具）相關的穩定資產的全部資本覆蓋。

This would be the first time Eiopa has set such stringent capital requirements on any asset class held by insurers.

這將是EIOPA首次對保險公司持有的任何資產類別設定如此嚴格的資本要求。

While the proposed rules present a tougher stance on cryptocurrencies, they are not anticipated to have a major immediate impact. At the end of 2023, European insurers held a total of €655 million worth of crypto assets, which represents less than 0.01% of their overall assets, valued at €9.6 trillion.

儘管擬議的規則對加密貨幣提出了更嚴厲的立場，但預計它們不會產生重大的直接影響。截至2023年底，歐洲保險公司總計價值6.55億歐元的加密資產，佔其總資產的不到0.01％，價值9.6萬億歐元。

The majority of these holdings are in Luxembourg, suggesting that the exposure is likely through investment funds rather than direct crypto ownership.

這些持股大部分在盧森堡，這表明該曝光可能是通過投資基金而不是直接加密所有權。