Powell解决了FSOC年度报告中提出的加密问题

美联储主席杰罗姆·鲍威尔（Jerome Powell）谈到了金融稳定监督委员会的年度报告中提出的担忧，特别是关于加密货币的风险。

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.

美联储主席杰罗姆·鲍威尔（Jerome Powell）讨论了加密货币对金融稳定监督委员会的年度报告所带来的风险。具体而言，该报告强调了人们对这种在很大程度上不受监管的资产类别对个人财务福祉的潜在影响的担忧。

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.

鲍威尔澄清说，美联储主要集中于监督银行如何与加密货币互动。他指出，只要他们完全掌握和管理相关风险，就可以允许银行为该领域的客户提供服务，以确保其运营保持安全和合理。在美联储的监督下，许多银行已经以安全的方式参与了加密货币。但是，鲍威尔指出，由于数字资产的相对新颖性，银行在加密活动方面面临更严格的阈值。

“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.

“只要银行能够理解并可以管理风险，银行就可以完全为加密客户提供服务。而且，作为我们监管和监督的大量银行，这是安全和合理的。对于从事加密活动的银行来说，门槛有所更高。那是因为它们是如此新，”他解释说。

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.

他继续详细说明，如果银行选择提供加密服务，则必须确保该活动完全安全，因为它在联邦安全网（包括存款保险）下运行。美联储谨慎的方法旨在防止更广泛的金融体系的风险，同时也支持创新。鲍威尔强调，美联储并不试图阻碍加密货币创新，而是要避免过度谨慎的法规，这些法规可能会不必要地破坏合法的商业活动。