英國金融監管機構正準備禁止散戶投資者使用借入的資金來投資加密貨幣

英國金融監管機構正準備禁止散戶投資者使用借來的資金，例如信用卡餘額來投資加密貨幣

The UK financial regulator is preparing to ban retail investors from using borrowed funds such as credit card balances to invest in cryptocurrency as it seeks to overhaul supervision of the fast-growing digital assets market.

英國金融監管機構正準備禁止散戶投資者使用借來的資金，例如信用卡餘額來對加密貨幣進行投資，因為它試圖對快速增長的數字資產市場進行大修監督。

The Financial Conduct Authority (FCA) is also expected to face resistance from some fintech firms to the proposed ban on leveraged crypto trading.

預計金融行為管理局（FCA）還將面臨一些金融科技公司的抵抗，而擬議的禁止槓桿加密交易的禁令。

The move comes after MPs on an all-party parliamentary committee earlier this year urged ministers to treat retail investment in cryptocurrencies such as bitcoin as a form of gambling because of the risks involved.

此舉是在今年早些時候在全黨議會委員會上的全黨議會委員會上進行的此舉，敦促部長們在加密貨幣（例如比特幣）中對零售投資作為一種賭博形式，因為涉及的風險。

The Treasury committee also found that the characteristics closely resembled gambling because borrowers could lose their entire investment and potentially other assets, such as their home.

財政委員會還發現，這些特徵與賭博非常相似，因為藉款人可能會失去整個投資和可能的其他資產，例如房屋。

According to a recent YouGov survey, the proportion of people in the UK using borrowed funds to make crypto purchases more than doubled from 6% in 2022 to 14% last year.

根據最近的一項YouGov調查，英國使用借入資金購買加密貨幣購買的人的比例從2022年的6％增加了一倍以上。

The government is planning to extend existing financial regulation to companies involved in crypto, aligning the UK with the US rather than the EU.

政府計劃將現有的金融監管擴展到參與加密貨幣的公司，使英國與美國而不是歐盟保持一致。

The chancellor, Rachel Reeves, recently visited Washington, where she discussed crypto regulation with the US Treasury secretary, Scott Bessent, and the two countries plan to hold further talks on the subject in June.

總理雷切爾·里夫斯（Rachel Reeves）最近訪問了華盛頓，在那裡她與美國財政部長斯科特·貝森特（Scott Bessent）討論了加密貨幣監管，兩國計劃在6月就該主題進行進一步的談判。

Bessent is known to be pro-crypto and, along with Trump, is against proposals for a central bank digital currency.

Bessent被稱為親克賴普托，與特朗普一起反對中央銀行數字貨幣的提議。

Discussing concerns that private companies such as Meta, Google and Apple might control digital currencies in the future, Bessent told a Senate finance committee hearing earlier this year: “I see no reason for the US to have a central bank digital currency.”

Bessent在討論Meta，Google和Apple等私人公司將來可能會控制數字貨幣之類的擔憂時，Bessent在今年早些時候對參議院財務委員會的聽證會上表示：“我認為美國沒有理由擁有中央銀行數字貨幣。”

Eurozone finance ministers last month said they were concerned that the US stance could affect eurozone monetary sovereignty and financial stability.

歐元區財務部長上個月表示，他們擔心美國立場可能會影響歐元區的貨幣主權和金融穩定。

In the UK, Starmer’s government has come under pressure from within the Labour party to take a tougher line.

在英國，Starmer的政府承受著工黨內部的壓力，要求他們採取更艱難的路線。

The government is planning to extend existing financial regulation to companies involved in crypto, aligning the UK with the US rather than the EU.

政府計劃將現有的金融監管擴展到參與加密貨幣的公司，使英國與美國而不是歐盟保持一致。

The chancellor, Rachel Reeves, recently visited Washington, where she discussed crypto regulation with the US Treasury secretary, Scott Bessent, and the two countries plan to hold further talks on the subject in June.

總理雷切爾·里夫斯（Rachel Reeves）最近訪問了華盛頓，在那裡她與美國財政部長斯科特·貝森特（Scott Bessent）討論了加密貨幣監管，兩國計劃在6月就該主題進行進一步的談判。

Bessent is known to be pro-crypto and, along with Trump, is against proposals for a central bank digital currency.

Bessent被稱為親克賴普托，與特朗普一起反對中央銀行數字貨幣的提議。

Discussing concerns that private companies such as Meta, Google and Apple might control digital currencies in the future, Bessent told a Senate finance committee hearing earlier this year: “I see no reason for the US to have a central bank digital currency.”

Bessent在討論Meta，Google和Apple等私人公司將來可能會控制數字貨幣之類的擔憂時，Bessent在今年早些時候對參議院財務委員會的聽證會上表示：“我認為美國沒有理由擁有中央銀行數字貨幣。”

Eurozone finance ministers last month said they were concerned that the US stance could affect eurozone monetary sovereignty and financial stability.

歐元區財務部長上個月表示，他們擔心美國立場可能會影響歐元區的貨幣主權和金融穩定。

In the UK, Starmer’s government has come under pressure from within the Labour party to take a tougher line.

在英國，Starmer的政府承受著工黨內部的壓力，要求他們採取更艱難的路線。

As part of her growth strategy, Reeves has called for an easing of regulations in some areas, an approach backed by the FCA chief executive, Nikhil Rathi, who has suggested that rules in the Square Mile could be simplified to spur innovation.

作為她增長戰略的一部分，里夫斯呼籲在某些領域放鬆法規，這是FCA首席執行官Nikhil Rathi支持的方法，他建議可以簡化廣場英里的規則以刺激創新。

David Geale, the executive director of payments and digital finance at the FCA, said clear crypto regulation would increase confidence in the sector, supporting growth.

FCA付款和數字融資執行董事David Geale表示，Clear Crypto法規將增加對該行業的信心，從而支持增長。

“Crypto is a growing industry. Currently largely unregulated, we want to create a crypto regime that gives firms the clarity they need to safely innovate, while delivering appropriate levels of market integrity and consumer protection,” he said.

他說：“加密貨幣是一個不斷發展的行業。目前在很大程度上不受監管，我們希望建立一個加密政權，使公司具有安全創新所需的清晰度，同時提供適當水平的市場完整性和消費者保護。”

Citing concerns about market manipulation, conflicts of interest, a lack of transparency and unreliable trading systems, Geale added: “Our aim is to drive sustainable, long-term growth of crypto in the UK. We’re asking whether we have got the balance right.”

Geale援引人們對市場操縱，利益衝突，缺乏透明度和不可靠的交易系統的擔憂，他補充說：“我們的目的是推動英國加密貨幣的可持續性，長期增長。我們詢問我們是否正確達到了平衡。”

Legislation will give the watchdog powers to oversee all crypto and digital financial businesses, including crypto-trading platforms, intermediaries, crypto-asset lenders and borrowers.

立法將賦予監督所有加密貨幣和數字金融業務，包括加密貨運平台，中介機構，加密資產貸方和借款人。