欧盟针对加密资产的新的100％资本规则的保险公司针对保险公司

欧洲监管机构正在为投资数字货币投资的保险公司实施更严格的规则，这标志着欧盟的加密货币方法发生了重大转变。

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.

欧洲监管机构正计划对投资数字货币投资的保险公司施加更严格的资本要求，以限制机构对挥发性加密市场的影响。

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.

欧洲保险和职业退休金局（EIOOPA）建议保险公司持有其持有的任何加密资产价值的100％的资本。

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.

该提案是EIOOPA关于即将到来的偿付能力II审查的建议的一部分，旨在通过使保险公司持有此类资产的昂贵来阻止对数字资产的进一步投资。

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，大多数保险公司必须分配覆盖其加密货币60％至80％的资本。但是，新法规将对所有加密资产（包括比特币和以太坊等流行的加密货币）以及与传统金融工具（例如债务或股权等传统金融工具）相关的稳定资产的全部资本覆盖。

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

这将是EIOPA首次对保险公司持有的任何资产类别设定如此严格的资本要求。

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.

尽管拟议的规则对加密货币提出了更严厉的立场，但预计它们不会产生重大的直接影响。截至2023年底，欧洲保险公司总计价值6.55亿欧元的加密资产，占其总资产的不到0.01％，价值9.6万亿欧元。

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

这些持股大部分在卢森堡，这表明该曝光可能是通过投资基金而不是直接加密所有权。