|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
传统银行和大型科技公司之间的竞赛已经开始。首先,加密货币有望消除中心化机构。
The race between traditional banks and Big Tech companies has already begun. First, cryptocurrencies promised to eliminate centralized institutions. Now, tech firms' core technology is underpinning the largest power grab in the history of finance.
传统银行和大型科技公司之间的竞赛已经开始。首先,加密货币承诺消除中心化机构。现在,科技公司的核心技术正在支撑着金融史上最大规模的权力争夺。
Decentralized finance leverages blockchain technology to remove intermediaries like banks and financial service companies. It enables peer-to-peer transactions, empowering individuals to transact directly without relying on centralized institutions.
去中心化金融利用区块链技术消除银行和金融服务公司等中介机构。它支持点对点交易,使个人能够直接进行交易,而无需依赖中心化机构。
With the rise of DeFi, tech giants' possibilities have reached a whole new level. All segments of financial services are up for grabs, from the movement of money to credit and investing. But there exists a problem: neither the regulators nor banks are prepared to respond to Big Tech initiatives today. With emerging AI and digital capabilities, the gap is becoming bigger and more problematic.
随着 DeFi 的兴起,科技巨头的可能性已经达到了一个全新的水平。从货币流动到信贷和投资,金融服务的所有领域都可供争夺。但存在一个问题:监管机构和银行都没有准备好应对当今大型科技公司的举措。随着人工智能和数字能力的不断涌现,差距变得越来越大,问题也越来越多。
AI and machine learning are being used for personalized banking experiences, fraud detection and predictive analytics. For example, AI-powered chatbots provide customer service, while ML algorithms help with credit scoring and risk management. Blockchain technology ensures secure and transparent transactions, reducing the need for intermediaries. Cryptocurrencies offer an alternative to traditional banking systems. Companies like Ripple and Ethereum are notable examples.
人工智能和机器学习被用于个性化银行体验、欺诈检测和预测分析。例如,人工智能驱动的聊天机器人提供客户服务,而机器学习算法则有助于信用评分和风险管理。区块链技术确保交易安全透明,减少对中介机构的需求。加密货币提供了传统银行系统的替代方案。 Ripple 和以太坊等公司就是著名的例子。
There are four actions that regulators should do to level the playing field and contain risk in the new FinTech platform.
监管机构应采取四项行动来创造公平的竞争环境并遏制新金融科技平台的风险。
First, preventing Big Tech from abusing gatekeeper function. For example, the restricted near-field communication chip or mobile operating system should not be abused.
首先,防止大型科技公司滥用看门人功能。例如,受限制的近场通信芯片或移动操作系统不应被滥用。
Second, designate Big Tech companies as nonbank systemically important financial institutions (SIFIs). A SIFI refers to a financial institution whose failure could significantly disrupt the entire financial system. There are two regulatory approaches. The entity-based one focuses on the institution as a whole, considering its overall risk profile and ensuring a holistic view of its risks. The activity-based one targets specific activities or functions within the institution and homes in on high-risk activities. The combined approach is advocated by the International Monetary Fund, Financial Stability Board and Bank for International Settlements with the aim of enhancing financial stability by addressing both the institution's overall risk and specific activities.
其次,将大型科技公司指定为非银行系统重要性金融机构(SIFI)。 SIFI 是指其倒闭可能严重扰乱整个金融体系的金融机构。有两种监管方法。基于实体的风险侧重于整个机构,考虑其整体风险状况并确保对其风险有全面的了解。基于活动的活动针对机构内的特定活动或职能,并专注于高风险活动。国际货币基金组织、金融稳定委员会和国际清算银行倡导这种综合方法,旨在通过解决机构的总体风险和具体活动来增强金融稳定。
The third action is implementing tight controls on stablecoins. Big-Tech companies that launch stablecoins pegged to fiat or other traditional financial assets should be regulated. Fiat currency is traditional government-issued money, while stablecoins bridge the gap between cryptocurrencies and everyday transactions by maintaining a stable value.
第三个行动是对稳定币实施严格控制。推出与法定货币或其他传统金融资产挂钩的稳定币的大型科技公司应该受到监管。法定货币是传统的政府发行货币,而稳定币通过保持稳定的价值弥合了加密货币和日常交易之间的差距。
The fourth thing is liberating licensed banks for fairer competition and greater transparency. Licensed banks should be allowed to engage in the same digital asset and DeFi activities as non-licensed entities.
第四件事是解放持牌银行,以实现更公平的竞争和更大的透明度。应允许持牌银行从事与非持牌实体相同的数字资产和 DeFi 活动。
Banks face the challenge of digitizing customer journeys to meet evolving expectations. Failing to adapt could lead to revenue loss and the demise of less agile organizations. On the other hand, large banks can counter and beat disruptors by launching their own digital offerings. Their capital, resources and expertise allow them to compete in consumer banking, wealth management and specialized services.
银行面临着将客户旅程数字化以满足不断变化的期望的挑战。未能适应可能会导致收入损失和敏捷性较差的组织的消亡。另一方面,大型银行可以通过推出自己的数字产品来对抗和击败颠覆者。他们的资本、资源和专业知识使他们能够在消费银行、财富管理和专业服务领域展开竞争。
Big Tech's reach extends far beyond technology, shaping economies and financial landscapes globally. While their impact is undeniable, it's essential to balance innovation with responsible governance and fair competition.
大型科技公司的影响力远远超出了技术范围,影响着全球经济和金融格局。虽然它们的影响是不可否认的,但平衡创新与负责任的治理和公平竞争至关重要。
Dr Jolly Wong is a policy fellow at the Centre for Science and Policy, University of Cambridge
Jolly Wong 博士是剑桥大学科学与政策中心的政策研究员
免责声明:info@kdj.com
所提供的信息并非交易建议。根据本文提供的信息进行的任何投资,kdj.com不承担任何责任。加密货币具有高波动性,强烈建议您深入研究后,谨慎投资!
如您认为本网站上使用的内容侵犯了您的版权,请立即联系我们(info@kdj.com),我们将及时删除。
-
- ApeChain区块链网络上线
- 2024-10-21 12:25:01
- ApeCoin 是数字资产公司 Yuga Labs 的去中心化自治组织 (DAO),旨在管理 Bored Ape 游艇俱乐部
-
- TVL 主导地位:Uniswap、Aave、Lido Finance 领先
- 2024-10-21 12:25:01
- 虽然比特币的主导地位仍然是加密货币领域的一个关键指标,但锁定总价值(TVL)已成为一个关键指标
-
- 比特币价格接近 7 万美元,再次发出看涨信号
- 2024-10-21 12:25:01
- 一项广泛追踪的动量指标自四月份以来首次转为正值。