英國的金融監管機構禁止所有加密貸款平台在該國運營

在加密貨幣社區中大多數人感到驚訝的決定中，英國的金融監管機構金融行為管理局決定阻止所有金融機構提供貸款以購買加密貨幣資產。

The Financial Conduct Authority (FCA) is planning to restrict financial institutions from providing loans to consumers for buying cryptoassets.

金融行為管理局（FCA）計劃限制金融機構向消費者提供購買加密收費的貸款。

This move, which comes as a surprise to most in the cryptocurrency community, will also see the watchdog place limits on lending and borrowing cryptoasset loans.

這一舉動對加密貨幣社區中的大多數人來說是一個驚喜，還將看到監管機構對貸款和借用加密貨物貸款的限制。

The crypto lending market has experienced a rapid expansion in recent times. Nonetheless, the FCA is considering these measures due to the "risks of significant harm" posed by such practices.

加密貸款市場最近經歷了迅速的擴張。儘管如此，由於這種做法構成的“嚴重傷害風險”，FCA正在考慮採取這些措施。

The City regulator identifies several concerns, including the fact that such loans could lead to the loss of ownership of cryptoassets by consumers in the event of default on the loan.

城市監管機構確定了幾個問題，包括這樣的事實，即在貸款違約時，消費者可能會損失消費者的所有權。

Additionally, there are liquidity risks for crypto firms if a large number of consumers default on their loans, which could have knock-on effects on the broader crypto market.

此外，如果大量消費者違約的貸款可能會對更廣泛的加密貨幣市場產生連鎖反應，那麼加密貨幣公司也存在流動性風險。

Furthermore, the FCA highlights the lack of consumer understanding of the risks involved in cryptoasset lending and investing.

此外，FCA強調了消費者對加密貨物貸款和投資涉及的風險的缺乏理解。

It is also noteworthy that borrower creditworthiness is not a factor in cryptoasset lending, and there is a limited scope for the FCA to intervene in this sphere.

還值得注意的是，借款人的信譽並不是加密貸款的一個因素，並且FCA可以乾預該領域的範圍有限。

The new draft of the laws will also see the regulator restrict financial institutions from providing overdraft facilities, credit card advances, or other types of loans for buying cryptoassets.

法律的新草案還將使監管機構限制金融機構提供透支設施，信用卡預付款或其他類型的貸款，以購買加密和收購。

However, the new rules will not affect the use of stablecoins, which are digital assets that maintain a fixed value relative to other assets such as the USD.

但是，新規則不會影響使用Stablecoins的使用，該規則是數字資產，相對於其他資產（例如USD）保持固定價值。

This is a significant development in the UK's cryptocurrency regulation. Earlier this year, the government announced plans to make the UK a global hub for crypto firms.

這是英國加密貨幣法規的重大發展。今年早些時候，政府宣布計劃使英國成為加密公司的全球樞紐。

The news comes amid a broader crackdown by regulators on crypto firms. Earlier this week, US regulators sued major cryptocurrency exchange Coinbase for allegedly selling unregistered securities and engaging in other violations of federal law.

該消息傳來，在監管機構對加密貨幣公司的更廣泛鎮壓之中。本週早些時候，美國監管機構起訴了主要的加密貨幣交易所Coinbase，涉嫌出售未註冊的證券並從事其他違反聯邦法律的行為。

The cryptocurrency industry has been booming in recent years, with the total market capitalization of all cryptocurrencies now exceeding $1 trillion. However, this rapid growth has also led to concerns about scams, fraud, and other risks to investors.

近年來，加密貨幣行業一直在蓬勃發展，所有加密貨幣的總市值超過1萬億美元。但是，這種快速增長也引起了人們對投資者的騙局，欺詐和其他風險的擔憂。

This move by the FCA is sure to spark further discussion about the role of regulation in the cryptocurrency industry. It will also be interesting to see how crypto firms react to these new rules.

FCA的這一舉動肯定會激發有關監管在加密貨幣行業中的作用的進一步討論。看到加密貨幣公司如何應對這些新規則，這也將很有趣。

The post UK’s Financial Watchdog to Block Financial Institutions From Providing Loans for Buying Cryptoassets—Report appeared first on Crypto Monday.

英國郵政的財務監管機構阻止金融機構提供購買加密貨幣的貸款 - 報告首先出現在Crypto星期一。