找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

美联储主席表示,他还没有决定是否使用CBDC,但稳定币需要监管

2021-7-17 17:07

 

今天早些时候,美联储主席杰罗姆·鲍威尔在美国参议院银行委员会作证时被问及中央银行数字货币(CBDC)和稳定币。他说,他还没有决定是否设立央行数字美元,并认为稳定币需要监管。


参议员Pat Toomey指出,在昨天的国会听证会上,Powell表示,如果有CBDC,就不需要加密货币和稳定币。这位参议员问,反过来是否也是正确的,对于加密货币和稳定币,没有必要建立CBDC。


Powell澄清说,他只是说CBDC对加密货币和稳定币活动的影响是支持CBDC的理由之一。他说:“我还没有决定CBDC是利大于弊,还是相反。”“我同意,更直接的途径是适当地监管稳定币,这是我们目前没有做的。”


参议员辛西娅·卢米斯(Cynthia Loomis)也提出了同样的观点,即CBDC减少了对加密货币和稳定币的需求。她热衷于区分作为投资商品的加密货币和作为支付工具的稳定币。因此,她问是否只有稳定币对CBDC来说是不必要的。


“基本上,你是对的,”鲍威尔说。“我想说的是,加密货币并不是不希望成为一种支付机制,而是他们完全没能成为一种支付机制,当然,出于某种原因,有些人希望匿名。”


在谈到稳定币时,鲍威尔表示:“如果我们将拥有类似于货币市场基金、银行存款或狭义银行的东西,而且它增长非常快,我们真的应该有适当的监管。”而今天,我们没有。”


美联储主席回应了参议员图米关于CBDC是否需要国会授权的提问。鲍威尔证实,对于是否需要授权,人们有不同的看法,但他说,这将是“理想的”。


他还概述了美联储正在进行的工作。“我认为我们的责任是在未来几年探索技术和政策问题。这就是我们要做的这样我们就能做出明智的建议。但是,我的思想是开放的,老实说,我对这些问题没有一个预先的答案。”

 

During testimony before the U.S. Senate Banking Committee earlier today, Federal Reserve Chair Jerome Powell was asked about central bank digital currencies (CBDC) and stablecoins. He said he was undecided about a central bank digital dollar and believes stablecoins need regulation.

Senator Pat Toomey noted that during yesterday’s Congressional hearing, Powell stated that if there were a CBDC there would be no need for cryptocurrencies and stablecoins. The senator asked whether the reverse was also true, that with crypto and stablecoins there is no need for a CBDC.

Powell clarified that he had simply stated that a CBDCs impact on crypto and stablecoin activity was one of the arguments in favor of a CBDC. “I’m legitimately undecided on whether the benefits outway the costs or vice versa on a CBDC,” he said. “I would agree that the more direct route would be to appropriately regulate stablecoins, which we don’t do right now.”

Senator Cynthia Loomis picked up the same point about a CBDC rendering less need for crypto and stablecoins. She was keen to differentiate cryptocurrencies as investment commodities versus stablecoins as payment instruments. Hence she asked whether it would just be stablecoins that would be unnecessary with a CBDC. 

“Basically, you’re right,” said Powell. “Let me say though that with cryptocurrencies, it’s not that they didn’t aspire to be a payment mechanism, it’s that they’ve completely failed to become one, except for people who desire anonymity, of course, for whatever reason.”

Honing in on stablecoins, Powell said, “if we’re going to have something that looks just like a money market fund or a bank deposit or a narrow bank, and it’s growing really fast, we really ought to have appropriate regulation. And today, we don’t.” 

The Federal Reserve Chair responded to Senator Toomey’s query about whether a CBDC would require congressional authorization. Powell confirmed that people have different views about whether authorization is required, but he said it would be “ideal”.

He also outlined the work the Fed is conducting. “I think our obligation is to explore both the technology and the policy issues over the next couple of years. That’s what we’re going to do so that we’re in a position that we can make an informed recommendation. But, again, my mind is open on this, and I honestly don’t have a preconceived answer to these questions.”

 

来自: Ledger Insights