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一些印度银行无视最高法院对加密货币允许交易的裁决,等待印度央行进一步解释

2020-3-15 16:56

 

尽管印度最高法院取消了央行对密码的禁令,但包括HDFC和Indusind bank在内的一些主要银行仍然武断地拒绝处理密码交易。各银行表示,他们正在等待印度央行(RBI)解除禁令的指示。


一些大银行仍然拒绝加密交易


印度加密货币共同体与中央银行印度储备银行(RBI)关于银行禁令的争论仍在继续。尽管3月4日,印度最高法院否决了印度央行的通知,但一些银行仍然拒绝重新开放密码业务账户。


为了纠正这种情况,印度金融科技律师事务所的Mohammed Danish致信财政部长Ajay Bhushan Pandey和两名印度央行官员,信中提到了“某些银行为了出售/购买加密资产而任意拒绝银行服务”。他强调了最高法院的命令,写道:


很少有例子清楚地表明银行,包括HDFC和Indusind银行,仍然武断地拒绝处理出售/购买加密资产的交易。


“在大多数情况下,银行没有提供任何书面沟通,但口头通知客户,他们正在等待印度央行在这方面的通知,”律师继续说。截至今年3月,HDFC是印度市值最大的银行,也是印度资产规模最大的私人部门贷款机构。印度工业银行于1994年4月由当时的印度财政部长曼莫汉·辛格博士正式成立。


印度央行在2018年4月发布了一份通知,禁止受到监管的金融机构向加密企业提供服务。该禁令在三个月后生效,几名密码利益相关者立即提交了诉状,对禁令提出质疑。大约两年后,最高法院最终裁定该通知违宪。

 

律师表示,银行的拒绝是非法和不公正的


“现在,当上述通知不再存在时,银行(RBI监管实体)必须遵守最高法院的命令,开始为出售/购买加密资产的银行提供公正的服务,就像他们为所有其他合法交易提供服务一样,”丹麦写道。“值得一提的是,最高法院的命令并没有特别指示印度储备银行向银行发出单独通知,要求它们遵守该命令。””他断言:


银行拒绝为出售/购买密码资产提供服务,在法律看来是绝对非法、不公平和武断的,同样等同于故意不服从最高法院的命令。


他总结说:“鉴于上述情况,我们要求贵行尽快就正在讨论的事宜向所有银行发出正式通知。”


等待印度央行指示的银行


《经济时报》就密码银行禁令问题采访了一些银行家。一些人对《印度时报》表示,“银行只有在接到央行或议会的明确监管命令后,才会开放加密货币交易渠道,因为此类交易的合法性在印度尚未得到明确界定。”一位不愿透露姓名的高级银行家说:


我们将遵循印度储备银行在这个问题上的指示,一旦我们弄清楚了,我们将采取适当的行动。作为银行,我们对加密货币的一些担忧是围绕安全性、货币使用和可追溯性。


当地加密交易所Unocoin的首席执行官Sathvik Vishwanath解释说:“我不认为印度央行是在指示银行支持加密行业。根据最高法院的裁决,他们没有义务这样做。另一名银行高管指出,“包括监管机构在内的银行体系尚未拿出一套健全的监管机制来管理加密货币。”


自去年2月以来,印度政府一直在审议“禁止加密货币和监管2019年官方数字货币法案”。该法案试图禁止除国家发行的加密货币外的所有加密货币。它是由一个由前财政部长Subhash Chandra Garg领导的部际委员会起草的,他已经辞去了他在政府的职务。这项法案本应在去年冬季会议期间提交议会,但却没有提交。


印度央行对最高法院取消其关于加密货币通告的裁决感到不满,据报道,它正计划提交一份复审请愿书,理由是加密交易的匿名性给印度银行系统带来了系统性风险。印度储备银行有30天的时间来提交这份请愿书。与此同时,法院重申,比特币等加密货币在印度不被禁止。

 

Despite the Indian supreme court quashing the central bank’s ban on crypto, some major banks, including HDFC and Indusind Bank, are still arbitrarily declining to process crypto transactions. Banks say they are waiting for instructions to lift the ban from the Reserve Bank of India (RBI).

 

Some Major Banks Still Decline Crypto Transactions

 

The Indian cryptocurrency community’s dispute with the central bank, the Reserve Bank of India (RBI), over the banking ban continues. Even though on March 4, the Indian Supreme Court squashed the RBI’s circular, some banks are still refusing to reopen accounts for crypto businesses.

 

In an attempt to rectify the situation, Mohammed Danish of Indian law firm Fintech Lawyers sent a letter to Finance Secretary Ajay Bhushan Pandey and two RBI officers regarding this “arbitrary denial of banking services by certain banks for sale/purchase of crypto assets.” Emphasizing the supreme court order, he wrote:

 

    Few instances have come light which clearly suggest that bank(s), including HDFC and Indusind Bank, are still arbitrarily declining to process the transactions for sale/purchase of crypto assets.

 

“In most of the cases, the banks have not given any written communication but verbally informed their customers that they are waiting for RBI notification in this regard,” the lawyer continued. HDFC is India’s largest bank by market capitalization as of March and is the country’s largest private sector lender by assets. Indusind Bank was formally inaugurated in April 1994 by Dr. Manmohan Singh, the then finance minister of India.

 

The RBI issued a circular in April 2018 banning regulated financial institutions from providing services to crypto businesses. The ban went into effect three months later and several crypto stakeholders immediately filed writ petitions challenging the ban. After about two years, the supreme court finally ruled that the circular was unconstitutional.


Lawyer Says Banks’ Refusal Is Illegal and Unjust

 

“Now when the said circular doesn’t exist anymore, the banks (RBI regulated entities) must comply with the order of the supreme court and start providing banking services for sale/purchase of crypto assets impartially as they provide services for all other legitimate transactions,” Danish wrote. “It is pertinent to mention that the order of the Hon’ble Supreme Court has given no specific direction to RBI for issuing a separate notification to the banks for compliance of the said order.” He asserted:

 

    Banks’ refusal to provide services for sale/purchase of crypto assets is absolutely illegal, unjust and arbitrary in the eyes of law and the same amounts to wilful disobedience to the order of the Hon’ble Supreme Court.

 

“In view of the above, we request you to issue official communication to all the banks as soon as possible with regard to the matter under discussion,” he concluded.

 

Banks Waiting for RBI’s Instructions

 

The Economic Times interviewed some bankers on the crypto banking ban issue. Some told the publication that “Lenders would open their channels for cryptocurrency trade only on explicit regulatory orders from either the central bank or the parliament, as the legality of such trades is yet not clearly defined in India.” An unnamed senior banker was quoted as saying:

 

    We will be guided by RBI’s directions on the matter and once we get clarity we will act appropriately. As banks, some of the concerns we had on cryptocurrencies were around security, use of money and traceability.

 

Sathvik Vishwanath, CEO of local crypto exchange Unocoin, explained: “I don’t think RBI is instructing the banks to support the crypto industry. They are not obligated to do so as per the supreme court verdict.” Another bank executive noted that “The banking system including the regulators are yet to come up with a sound supervisory mechanism to govern cryptocurrencies.”

 

The Indian government has been deliberating on the “Banning of Cryptocurrency and Regulation of Official Digital Currency Bill 2019” since February last year. The bill seeks to ban all cryptocurrencies except state-issued ones. It was drafted by an interministerial committee (IMC) headed by former Finance Secretary Subhash Chandra Garg who has since resigned from his position in government. This bill was supposed to be introduced in parliament in the winter session of last year but it was not.

 

The central bank is not happy with the supreme court verdict quashing its circular on cryptocurrency and is reportedly planning to file a review petition on the grounds that the anonymous nature of crypto transactions poses a systemic risk to India’s banking system. The RBI has 30 days to file this petition. Meanwhile, it was reiterated in court that cryptocurrencies, such as bitcoin, are not banned in India.

 

来自: bitcoin.com