美联储主席Powell Reaserserts银行可以提供加密服务，但必须控制风险

鲍威尔在新闻发布会上说，鉴于与数字资产相关的危险，银行必须确保其加密活动保持安全。

Federal Reserve Chair Jerome Powell stated on Wednesday that banks can offer cryptocurrency services as long as they manage the risks involved.

美联储主席杰罗姆·鲍威尔（Jerome Powell）周三表示，只要银行管理涉及的风险，银行就可以提供加密货币服务。

Powell made the remarks during a press conference, where he also highlighted the dangers tied to digital assets and the need for banks to ensure their crypto activities remain safe.

鲍威尔在新闻发布会上发表了言论，他还强调了与数字资产相关的危险，并需要银行确保其加密货币活动保持安全。

“We're not against innovation,” Powell said. “And we certainly don't want to take actions that would cause banks to terminate customers who are perfectly legal just because of excess risk aversion.”

鲍威尔说：“我们不反对创新。” “而且，我们当然不想采取行动，这会导致银行仅仅因为避免过多的风险而终止完全合法的客户。”

Powell's comments come amid efforts by U.S. regulators to discourage banks from working with crypto firms. Following a court order, the Federal Deposit Insurance Corporation (FDIC) sent letters to banks expressing an interest in crypto services, instructing them to pause operations without formal approval.

鲍威尔（Powell）的评论是在美国监管机构努力阻止银行与加密货币公司合作的努力的情况下发表的。根据法院命令，联邦存款保险公司（FDIC）向银行发了信，以表达对加密服务的利益，指示他们未经正式批准就停止运营。

Coinbase filed the legal case that led to the disclosures, seeking evidence of crypto-related “de-banking.” While the letters did not indicate widespread de-banking, the incoming acting chairman of the FDIC has acknowledged the issue.

Coinbase提出了导致披露的法律案件，寻求与加密相关的“脱岸”的证据。尽管这些信件并未表明广泛的银行，但FDIC即将来临的代理主席已经承认了这一问题。

A Congressional committee has also launched an investigation into whether regulatory bodies pressured banks to cut ties with crypto companies, echoing an earlier probe into Operation Choke Point, which resulted in banking restrictions for certain industries due to regulatory concerns.

国会委员会还开始调查监管机构是否向银行施加压力，要求银行与加密货币公司削减联系，与较早的调查相互调查，这导致了由于监管问题而对某些行业产生了银行业务限制。

Despite Powell's assurances, FOX Business journalist Eleanor Terrett suggests his comments may have carried a subtly discouraging undertone.

尽管鲍威尔有保证，福克斯商业记者埃莉诺·特雷特（Eleanor Terrett）表示，他的评论可能带来了一个巧妙的沮丧的底色。

A source from a major bank, speaking to FOX Business, interpreted Powell's statement as, “I wouldn't do it [serve crypto customers], but you [banks] make your own decisions.”

一家主要银行的消息来源与福克斯业务交谈，将鲍威尔的声明解释为：“我不会（为加密客户服务），但您[银行]做出自己的决定。”

According to the source, Powell's remarks imply that banks are free to engage with crypto at their own risk, with a subtle warning against doing so.

据消息人士称，鲍威尔的言论暗示，银行可以自由地与加密货币自由互动，并明智地警告这样做。

The source also noted that while banks are eager to serve crypto customers, the regulatory uncertainty causes many institutions to tread carefully, fearing potential repercussions from authorities.

消息人士还指出，虽然银行渴望为加密客户服务，但监管不确定性导致许多机构仔细踩踏，担心当局的潜在影响。

Powell's statement also included confirmation that some banks have already engaged in crypto-related services. However, he emphasized that banks operating within the Federal safety net, such as those with deposit insurance, must exercise extra caution.

鲍威尔的声明还包括确认一些银行已经从事与加密相关的服务。但是，他强调，在联邦安全网中运营的银行（例如具有存款保险的银行）必须谨慎行事。

“The threshold has been a little higher for banks engaging in crypto activities because they're so new,” Powell said.

鲍威尔说：“对于从事加密活动的银行来说，门槛有所更高，因为它们是如此新。”

When asked about consumer protection, Powell stated that financial education is crucial, but it is not the Federal Reserve's role to regulate individual investments. Instead, he pointed to ongoing discussions in Congress about establishing a stronger regulatory framework for crypto.

当被问及消费者保护时，鲍威尔说，金融教育至关重要，但规范个人投资并不是美联储的作用。取而代之的是，他指出，国会就对建立加密货币建立更强大的监管框架进行了持续的讨论。

“We've actually spent a lot of time working with members of Congress on this,” Powell said. “I think it would be a very constructive thing for Congress to do.”

鲍威尔说：“实际上，我们已经花了很多时间与国会议员合作。” “我认为这对国会来说将是一件非常建设性的事情。”