柬埔寨國家銀行澄清：銀行仍禁止加密貨幣交易

柬埔寨國家銀行宣布，嚴禁銀行和金融機構從事任何涉及加密貨幣的交易。針對最近的一份報告，NBC 澄清稱，由於 Tether 或 USD Coin 等穩定幣不符合監管標準，因此不會考慮允許銀行處理這些穩定幣。 NBC 強調，目前正在諮詢的普拉卡斯草案概述了對穩定幣的嚴格要求，將其與 Tether 和 USD Coin 等熱門選擇區分開來。

National Bank of Cambodia Clarifies Stance on Cryptocurrencies and Banks

柬埔寨國家銀行澄清對加密貨幣和銀行的立場

Phnom Penh, Cambodia - The National Bank of Cambodia (NBC) has unequivocally stated that it does not currently permit banks or financial institutions to conduct any transactions involving cryptocurrencies. This clarification was issued in response to a recent report published in Khmer Times titled, "NBC mulls allowing banks to deal with crypto assets."

柬埔寨金邊 - 柬埔寨國家銀行（NBC）明確表示，目前不允許銀行或金融機構進行任何涉及加密貨幣的交易。這項澄清是為了回應《高棉時報》最近發表的一篇題為「NBC 考慮允許銀行處理加密資產」的報導。

The NBC emphasized that the Khmer Times report inaccurately referred to the potential future engagement of banks with stablecoins such as "Tether (USDT), USD Coin (USDC), and other potentially land-backed tokens." The central bank stressed that it will not authorize banks or financial institutions to deal with Tether or USD Coin as they do not meet the NBC's established criteria.

NBC 強調，《高棉時報》的報告不準確地提到銀行未來可能參與穩定幣，例如「Tether (USDT)、USD Coin (USDC) 和其他潛在的土地支持代幣」。央行強調，不會授權銀行或金融機構處理 Tether 或 USD Coin，因為它們不符合 NBC 的既定標準。

In its official statement, the NBC explained its classification of crypto assets into two groups: Group 1 (1a and 1b) and Group 2. Group 1b, which encompasses stablecoins, is subject to stringent criteria, according to the NBC. Stablecoins must meet all requirements for effective stabilization mechanisms, including passing a redemption risk test. The statement highlighted that Tether and USD Coin fail to meet these criteria, as they lack regulated or permissioned ledgers.

NBC 在其官方聲明中解釋了其將加密資產分為兩組：第 1 組（1a 和 1b）和第 2 組。據 NBC 稱，第 1b 組包含穩定幣，需要遵守嚴格的標準。穩定幣必須滿足有效穩定機制的所有要求，包括通過贖回風險測試。該聲明強調，Tether 和 USD Coin 未能滿足這些標準，因為它們缺乏受監管或許可的帳本。

The NBC recently organized a preliminary consultation session with deposit-taking banks, financial institutions, and payment service providers (PSIs) to discuss a draft Prakas (regulation) on Commercial Banks and Payment Service Providers' Activities Related to Cryptoassets. The meeting's purpose was to solicit feedback and input on the potential conditions under which banks and PSIs could be authorized to conduct limited activities involving crypto assets and related instruments. The NBC emphasized that it is not currently permitting any transactions related to crypto assets within the banking system due to concerns about potential risks to financial stability.

NBC 最近與存款銀行、金融機構和支付服務提供者 (PSI) 組織了初步諮詢會議，討論商業銀行和支付服務提供者與加密資產相關的活動的 Prakas（法規）草案。此次會議的目的是就銀行和 PSI 可以被授權開展涉及加密資產和相關工具的有限活動的潛在條件徵求反饋和意見。 NBC 強調，出於對金融穩定潛在風險的擔憂，目前不允許銀行體系內進行任何與加密資產相關的交易。

The draft Prakas aims to define the conditions for commercial banks and PSIs to participate in the crypto asset sector while ensuring the safety and soundness of the financial system. It also outlines the conditions under which crypto asset service providers (CASPs) may be authorized to provide payment and remittance services.

Prakas草案旨在明確商業銀行和PSI參與加密資產領域的條件，同時確保金融體系的安全與穩健。它還概述了加密資產服務提供者（CASP）可以被授權提供支付和匯款服務的條件。

The NBC has categorized Group 1 crypto assets into two subcategories, 1a and 1b. Group 1a includes tokenized traditional assets, such as tokenized bonds and security tokens. The NBC believes that the regulation of Group 1a crypto assets can contribute to innovation and facilitate capital market development. However, the NBC's classification restricts the use of permissioned blockchains for these assets.

NBC 將第 1 組加密資產分為兩個子類別：1a 和 1b。第 1a 組包括代幣化傳統資產，例如代幣化債券和證券代幣。 NBC 認為，對 1a 組加密資產的監管有助於創新並促進資本市場發展。然而，NBC 的分類限制了這些資產使用許可的區塊鏈。

The Khmer Times article also suggested that the NBC's classification of crypto assets may overlap with the Securities and Exchange Regulator of Cambodia's (SERC) jurisdiction. In response, the NBC clarified that it will collaborate with the SERC, which is the alternate authority licensing crypto asset exchanges/platforms, in regulating these services.

《高棉時報》的文章也指出，NBC 對加密資產的分類可能與柬埔寨證券交易監管機構 (SERC) 的管轄範圍重疊。作為回應，NBC 澄清說，它將與國家電力監管委員會（SERC）合作來監管這些服務。國家電力監管委員會是加密資產交易所/平台的替代授權機構。

The NBC reiterated that it currently prohibits all banks and PSIs under its supervision from engaging in crypto asset-related activities. In the future, the NBC plans to regulate certain crypto assets that meet the criteria outlined in the draft Prakas to foster innovation in the digital economy while safeguarding financial stability.

NBC 重申，目前禁止其監管下的所有銀行和 PSI 從事加密資產相關活動。未來，NBC 計劃對符合 Prakas 草案中概述的標準的某些加密資產進行監管，以促進數位經濟創新，同時維護金融穩定。

The NBC urged the public and the banking community to note that the Prakas is still in its initial draft stage. Further consultations and discussions will be held before the finalization and implementation of the regulation.

NBC 敦促公眾和銀行界注意，部長令仍處於初步草案階段。在該條例最終確定和實施之前，將進行進一步的諮詢和討論。