美聯儲主席Powell Reaserserts銀行可以提供加密服務，但必須控制風險

鮑威爾在新聞發布會上說，鑑於與數字資產相關的危險，銀行必須確保其加密活動保持安全。

Federal Reserve Chair Jerome Powell stated on Wednesday that banks can offer cryptocurrency services as long as they manage the risks involved.

美聯儲主席杰羅姆·鮑威爾（Jerome Powell）週三表示，只要銀行管理涉及的風險，銀行就可以提供加密貨幣服務。

Powell made the remarks during a press conference, where he also highlighted the dangers tied to digital assets and the need for banks to ensure their crypto activities remain safe.

鮑威爾在新聞發布會上發表了言論，他還強調了與數字資產相關的危險，並需要銀行確保其加密貨幣活動保持安全。

“We're not against innovation,” Powell said. “And we certainly don't want to take actions that would cause banks to terminate customers who are perfectly legal just because of excess risk aversion.”

鮑威爾說：“我們不反對創新。” “而且，我們當然不想採取行動，這會導致銀行僅僅因為避免過多的風險而終止完全合法的客戶。”

Powell's comments come amid efforts by U.S. regulators to discourage banks from working with crypto firms. Following a court order, the Federal Deposit Insurance Corporation (FDIC) sent letters to banks expressing an interest in crypto services, instructing them to pause operations without formal approval.

鮑威爾（Powell）的評論是在美國監管機構努力阻止銀行與加密貨幣公司合作的努力的情況下發表的。根據法院命令，聯邦存款保險公司（FDIC）向銀行發了信，以表達對加密服務的利益，指示他們未經正式批准就停止運營。

Coinbase filed the legal case that led to the disclosures, seeking evidence of crypto-related “de-banking.” While the letters did not indicate widespread de-banking, the incoming acting chairman of the FDIC has acknowledged the issue.

Coinbase提出了導致披露的法律案件，尋求與加密相關的“脫岸”的證據。儘管這些信件並未表明廣泛的銀行，但FDIC即將來臨的代理主席已經承認了這一問題。

A Congressional committee has also launched an investigation into whether regulatory bodies pressured banks to cut ties with crypto companies, echoing an earlier probe into Operation Choke Point, which resulted in banking restrictions for certain industries due to regulatory concerns.

國會委員會還開始調查監管機構是否向銀行施加壓力，要求銀行與加密貨幣公司削減聯繫，與較早的調查相互調查，這導致了由於監管問題而對某些行業產生了銀行業務限制。

Despite Powell's assurances, FOX Business journalist Eleanor Terrett suggests his comments may have carried a subtly discouraging undertone.

儘管鮑威爾有保證，福克斯商業記者埃莉諾·特雷特（Eleanor Terrett）表示，他的評論可能帶來了一個巧妙的沮喪的底色。

A source from a major bank, speaking to FOX Business, interpreted Powell's statement as, “I wouldn't do it [serve crypto customers], but you [banks] make your own decisions.”

一家主要銀行的消息來源與福克斯業務交談，將鮑威爾的聲明解釋為：“我不會（為加密客戶服務），但您[銀行]做出自己的決定。”

According to the source, Powell's remarks imply that banks are free to engage with crypto at their own risk, with a subtle warning against doing so.

據消息人士稱，鮑威爾的言論暗示，銀行可以自由地與加密貨幣自由互動，並明智地警告這樣做。

The source also noted that while banks are eager to serve crypto customers, the regulatory uncertainty causes many institutions to tread carefully, fearing potential repercussions from authorities.

消息人士還指出，雖然銀行渴望為加密客戶服務，但監管不確定性導致許多機構仔細踩踏，擔心當局的潛在影響。

Powell's statement also included confirmation that some banks have already engaged in crypto-related services. However, he emphasized that banks operating within the Federal safety net, such as those with deposit insurance, must exercise extra caution.

鮑威爾的聲明還包括確認一些銀行已經從事與加密相關的服務。但是，他強調，在聯邦安全網中運營的銀行（例如具有存款保險的銀行）必須謹慎行事。

“The threshold has been a little higher for banks engaging in crypto activities because they're so new,” Powell said.

鮑威爾說：“對於從事加密活動的銀行來說，門檻有所更高，因為它們是如此新。”

When asked about consumer protection, Powell stated that financial education is crucial, but it is not the Federal Reserve's role to regulate individual investments. Instead, he pointed to ongoing discussions in Congress about establishing a stronger regulatory framework for crypto.

當被問及消費者保護時，鮑威爾說，金融教育至關重要，但規範個人投資並不是美聯儲的作用。取而代之的是，他指出，國會就對建立加密貨幣建立更強大的監管框架進行了持續的討論。

“We've actually spent a lot of time working with members of Congress on this,” Powell said. “I think it would be a very constructive thing for Congress to do.”

鮑威爾說：“實際上，我們已經花了很多時間與國會議員合作。” “我認為這對國會來說將是一件非常建設性的事情。”