Powell解決了FSOC年度報告中提出的加密問題

美聯儲主席杰羅姆·鮑威爾（Jerome Powell）談到了金融穩定監督委員會的年度報告中提出的擔憂，特別是關於加密貨幣的風險。

Federal Reserve Chair Jerome Powell discussed the risks posed by cryptocurrency in response to the Financial Stability Oversight Council’s annual report. Specifically, the report highlighted concerns about the potential impact of speculation in this largely unregulated asset class on individuals’ financial well-being.

美聯儲主席杰羅姆·鮑威爾（Jerome Powell）討論了加密貨幣對金融穩定監督委員會的年度報告所帶來的風險。具體而言，該報告強調了人們對這種在很大程度上不受監管的資產類別對個人財務福祉的潛在影響的擔憂。

Powell clarified that the Federal Reserve is primarily focused on overseeing how banks interact with cryptocurrencies. He noted that banks are permitted to serve customers in this domain, provided they fully grasp and manage the associated risks, ensuring their operations remain safe and sound. Many banks under the Federal Reserve’s supervision are already engaging with cryptocurrency in a secure manner. However, Powell pointed out that banks face stricter thresholds when it comes to crypto activities due to the relative novelty of digital assets.

鮑威爾澄清說，美聯儲主要集中於監督銀行如何與加密貨幣互動。他指出，只要他們完全掌握和管理相關風險，就可以允許銀行為該領域的客戶提供服務，以確保其運營保持安全和合理。在美聯儲的監督下，許多銀行已經以安全的方式參與了加密貨幣。但是，鮑威爾指出，由於數字資產的相對新穎性，銀行在加密活動方面面臨更嚴格的閾值。

“Banks are perfectly able to serve crypto customers as long as they understand and can manage the risks. And it’s safe and sound, as a good number of our banks that we regulate and supervise do that. The threshold has been a little higher for banks engaging in crypto activities. And that’s because they’re so new,” he explained.

“只要銀行能夠理解並可以管理風險，銀行就可以完全為加密客戶提供服務。而且，作為我們監管和監督的大量銀行，這是安全和合理的。對於從事加密活動的銀行來說，門檻有所更高。那是因為它們是如此新，”他解釋說。

He went on to elaborate that if a bank chooses to offer crypto services, it must ensure the activity is fully safe, as it operates under the federal safety net, including deposit insurance. The Fed’s cautious approach is intended to prevent risks to the broader financial system while also supporting innovation. Powell emphasized that the Fed is not seeking to hinder cryptocurrency innovation but rather to avoid overly cautious regulations that could unnecessarily disrupt legitimate business activities.

他繼續詳細說明，如果銀行選擇提供加密服務，則必須確保該活動完全安全，因為它在聯邦安全網（包括存款保險）下運行。美聯儲謹慎的方法旨在防止更廣泛的金融體系的風險，同時也支持創新。鮑威爾（Powell）強調，美聯儲並不試圖阻礙加密貨幣創新，而是要避免過度謹慎的法規，這些法規可能會不必要地破壞合法的商業活動。