欧洲监管机构推动对持有加密货币的保险公司提出更严格的资本要求

欧洲监管机构正在推动对持有加密货币的保险公司提出更严格的资本要求，这标志着欧盟对数字资产的方法发生了重大转变。

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

根据8月23日星期三的报道，欧洲监管机构正在向持有加密货币的保险公司施加更严格的资本要求。

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.

欧洲保险和职业退休金局（EIOOPA）建议欧洲委员会对保险公司的任何与加密相关的持股施加100％的资本要求。

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

该建议，如果采用的话将大大增加持有数字资产的成本，并可能阻止保险公司与该行业互动。

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

目前，大多数欧盟保险公司分配资本等于其加密货币资产的60-80％。但是，拟议的法规将授权全面覆盖。

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的建议不仅包括比特币和以太币，而且还涵盖了与菲亚特货币和与股票和债券（如股票和债券）相关的菲亚特货币和标记资产的固定。

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

对于保险公司处理的任何资产类别，该措施代表了极端的资本限制水平。

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.

虽然对该行业的直接影响可能是最小的，但到2023年底，欧洲保险公司估计拥有6.55亿欧元（约7.08亿美元）的加密资产，该地区的资产总额不到该地区9.6万亿欧元的资产的0.01％，而这一可能是潜在的投资，而不是直接筹集资金。