美联储卡什卡里：比特币的消费者困境超过了金融稳定风险

明尼阿波利斯联储主席 Neel Kashkari 对比特币（BTC-USD）表示担忧，将其视为消费者保护问题，而不是金融稳定风险。他强调了投资者缺乏理解、高波动性、潜在危害以及非法活动和监管颠覆之外的有限用例。卡什卡里将比特币与豆豆宝宝进行了比较，质疑其内在价值和在先进民主国家的合法性。

Neel Kashkari: Bitcoin Poses Consumer Protection Concerns, Not Financial Stability Risk

Neel Kashkari：比特币引起消费者保护担忧，而不是金融稳定风险

Minneapolis Federal Reserve Bank President and CEO Neel Kashkari has opined that Bitcoin (BTC) presents a significant consumer protection issue rather than a systemic financial stability threat.

明尼阿波利斯联邦储备银行行长兼首席执行官尼尔·卡什卡里 (Neel Kashkari) 认为，比特币 (BTC) 带来了重大的消费者保护问题，而不是系统性金融稳定威胁。

In a LinkedIn Live conversation with Jennifer Ablan, Editor-in-Chief of Pensions & Investments, Kashkari expressed concern about consumers investing in Bitcoin "not knowing what they're investing in," emphasizing the cryptocurrency's extreme volatility that could expose individuals to severe financial harm.

在与《养老金与投资》杂志主编 Jennifer Ablan 的 LinkedIn Live 对话中，Kashkari 表达了对投资比特币的消费者“不知道自己在投资什么”的担忧，并强调加密货币的极端波动性可能会让个人面临严重的财务风险。伤害。

Kashkari highlighted Bitcoin's theoretical potential for a hard cap of zero, drawing a parallel with Beanie Babies, describing them as "no actual utility in the economy, other than being a nice toy that some people enjoy owning and trading."

卡什卡里强调了比特币硬上限为零的理论潜力，并将其与豆豆宝宝进行了比较，将其描述为“除了成为一些人喜欢拥有和交易的好玩具之外，在经济中没有实际用途。”

He further suggested that the only applications he has encountered involve traders attempting to "subvert banking regulations, get around either marijuana banking, or illicit activities."

他进一步表示，他遇到的唯一申请涉及试图“颠覆银行法规、绕过大麻银行或非法活动”的交易员。

Kashkari also drew a comparison to Amazon (AMZN), noting that while some skeptics might have dismissed the company in 1994 due to the absence of online book sales, Amazon has since become a dominant force. However, he emphasized that Bitcoin has been in existence for over a decade, yet it still lacks legitimate use cases in advanced democracies.

Kashkari 还与亚马逊 (AMZN) 进行了比较，指出虽然 1994 年由于缺乏在线图书销售，一些怀疑论者可能对该公司不屑一顾，但自那以后，亚马逊已成为主导力量。然而，他强调，比特币已经存在十多年了，但在先进民主国家仍然缺乏合法的用例。

Kashkari's comments underscore the ongoing debate within the financial industry about the risks and potential benefits of cryptocurrencies. While some experts view Bitcoin and other crypto assets as speculative and highly volatile, others believe they represent a transformative innovation with the potential to disrupt traditional financial systems.

卡什卡里的评论凸显了金融行业内关于加密货币的风险和潜在收益的持续争论。虽然一些专家认为比特币和其他加密资产具有投机性和高度波动性，但另一些专家则认为它们代表了一种变革性创新，有可能颠覆传统金融体系。

The Federal Reserve and other central banks have been closely monitoring the development of cryptocurrencies, and some have taken steps to regulate their use. In the United States, the Securities and Exchange Commission (SEC) has taken a proactive approach to regulating crypto exchanges and assets while remaining cautious about the potential risks.

美联储和其他央行一直在密切关注加密货币的发展，其中一些央行已采取措施规范其使用。在美国，证券交易委员会（SEC）已采取积极主动的方式来监管加密货币交易所和资产，同时对潜在风险保持谨慎。

As the cryptocurrency market continues to evolve, further scrutiny from regulators and policymakers is likely to ensure that consumer protection remains a top priority while fostering innovation within the digital asset space.

随着加密货币市场的不断发展，监管机构和政策制定者的进一步审查可能会确保消费者保护仍然是重中之重，同时促进数字资产领域的创新。