歐洲監管機構推動對持有加密貨幣的保險公司提出更嚴格的資本要求

歐洲監管機構正在推動對持有加密貨幣的保險公司提出更嚴格的資本要求，這標誌著歐盟對數字資產的方法發生了重大轉變。

European regulators are moving to impose stricter capital requirements on insurers who hold cryptocurrencies, according to reports on Wednesday, August 23.

根據8月23日星期三的報導，歐洲監管機構正在向持有加密貨幣的保險公司施加更嚴格的資本要求。

The European Insurance and Occupational Pensions Authority (Eiopa) has recommended that the European Commission impose a 100% capital requirement on any crypto-related holdings by insurers.

歐洲保險和職業退休金局（EIOOPA）建議歐洲委員會對保險公司的任何與加密相關的持股施加100％的資本要求。

The recommendation, if adopted, would drastically increase the cost of holding digital assets, potentially discouraging insurers from engaging with the sector.

該建議，如果採用的話將大大增加持有數字資產的成本，並可能阻止保險公司與該行業互動。

Currently, most EU insurers allocate capital equal to 60–80% of their crypto assets. However, the proposed regulation would mandate full coverage.

目前，大多數歐盟保險公司分配資本等於其加密貨幣資產的60-80％。但是，擬議的法規將授權全面覆蓋。

Eiopa’s advice encompasses not only Bitcoin and Ether but also stablecoins pegged to fiat currencies and tokenized assets linked to traditional investments like stocks and bonds.

EIOOPA的建議不僅包括比特幣和以太幣，而且還涵蓋了與菲亞特貨幣和與股票和債券（如股票和債券）相關的菲亞特貨幣和標記資產的固定。

This measure represents an extreme level of capital restriction for any asset class that insurers deal with.

對於保險公司處理的任何資產類別，該措施代表了極端的資本限制水平。

While the immediate impact on the industry may be minimal—by the end of 2023, European insurers held an estimated €655 million (around $708 million) in crypto assets, less than 0.01% of the region’s total €9.6 trillion in assets, and a significant portion of this exposure was in Luxembourg, likely through investment funds rather than direct holdings—the potential implications are noteworthy.

雖然對該行業的直接影響可能是最小的，但到2023年底，歐洲保險公司估計擁有6.55億歐元（約7.08億美元）的加密資產，該地區的資產總額不到該地區9.6萬億歐元的資產的0.01％，而這一可能是潛在的投資，而不是直接籌集資金。