柬埔寨国家银行澄清：银行仍禁止加密货币交易

柬埔寨国家银行宣布，严禁银行和金融机构从事任何涉及加密货币的交易。针对最近的一份报告，NBC 澄清称，由于 Tether 或 USD Coin 等稳定币不符合监管标准，因此不会考虑允许银行处理这些稳定币。 NBC 强调，目前正在磋商的普拉卡斯草案概述了对稳定币的严格要求，将其与 Tether 和 USD Coin 等流行选择区分开来。

National Bank of Cambodia Clarifies Stance on Cryptocurrencies and Banks

柬埔寨国家银行澄清对加密货币和银行的立场

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."

柬埔寨金边 - 柬埔寨国家银行（NBC）明确表示，目前不允许银行或金融机构进行任何涉及加密货币的交易。这一澄清是为了回应《高棉时报》最近发表的一篇题​​为“NBC 考虑允许银行处理加密资产”的报道。

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 强调，《高棉时报》的报道不准确地提到银行未来可能参与稳定币，例如“Tether (USDT)、USD Coin (USDC) 和其他潜在的土地支持代币”。央行强调，不会授权银行或金融机构处理 Tether 或 USD Coin，因为它们不符合 NBC 的既定标准。

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 在其官方声明中解释了其将加密资产分为两组：第 1 组（1a 和 1b）和第 2 组。据 NBC 称，第 1b 组包含稳定币，需要遵守严格的标准。稳定币必须满足有效稳定机制的所有要求，包括通过赎回风险测试。该声明强调，Tether 和 USD Coin 未能满足这些标准，因为它们缺乏受监管或许可的账本。

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 最近与存款银行、金融机构和支付服务提供商 (PSI) 组织了初步磋商会议，讨论商业银行和支付服务提供商与加密资产相关的活动的 Prakas（法规）草案。此次会议的目的是就银行和 PSI 可以被授权开展涉及加密资产和相关工具的有限活动的潜在条件征求反馈和意见。 NBC 强调，出于对金融稳定潜在风险的担忧，目前不允许银行系统内进行任何与加密资产相关的交易。

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草案旨在明确商业银行和PSI参与加密资产领域的条件，同时确保金融体系的安全和稳健。它还概述了加密资产服务提供商（CASP）可以被授权提供支付和汇款服务的条件。

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 将第 1 组加密资产分为两个子类别：1a 和 1b。第 1a 组包括代币化传统资产，例如代币化债券和证券代币。 NBC 认为，对 1a 组加密资产的监管有助于创新并促进资本市场发展。然而，NBC 的分类限制了这些资产使用许可的区块链。

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.

《高棉时报》的文章还指出，NBC 对加密资产的分类可能与柬埔寨证券交易监管机构 (SERC) 的管辖范围重叠。作为回应，NBC 澄清说，它将与国家电力监管委员会（SERC）合作来监管这些服务。国家电力监管委员会是加密资产交易所/平台的替代授权机构。

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，目前禁止其监管下的所有银行和 PSI 从事加密资产相关活动。未来，NBC 计划对符合 Prakas 草案中概述的标准的某些加密资产进行监管，以促进数字经济创新，同时维护金融稳定。

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 敦促公众和银行界注意，部长令仍处于初步草案阶段。在该条例最终确定和实施之前，将进行进一步的磋商和讨论。