英国金融监管机构正准备禁止散户投资者使用借入的资金来投资加密货币

英国金融监管机构正准备禁止散户投资者使用借来的资金，例如信用卡余额来投资加密货币

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.

英国金融监管机构正准备禁止散户投资者使用借来的资金，例如信用卡余额来对加密货币进行投资，因为它试图对快速增长的数字资产市场进行大修监督。

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

预计金融行为管理局（FCA）还将面临一些金融科技公司的抵抗，而拟议的禁止杠杆加密交易的禁令。

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.

此举是在今年早些时候在全党议会委员会上的全党议会委员会上进行的此举，敦促部长们在加密货币（例如比特币）中对零售投资作为一种赌博形式，因为涉及的风险。

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.

财政委员会还发现，这些特征与赌博非常相似，因为借款人可能会失去整个投资和可能的其他资产，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.

根据最近的一项YouGov调查，英国使用借入资金购买加密货币购买的人的比例从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.

政府计划将现有的金融监管扩展到参与加密货币的公司，使英国与美国而不是欧盟保持一致。

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.

总理雷切尔·里夫斯（Rachel Reeves）最近访问了华盛顿，在那里她与美国财政部长斯科特·贝森特（Scott Bessent）讨论了加密货币监管，两国计划在6月就该主题进行进一步的谈判。

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

Bessent被称为亲克赖普托，与特朗普一起反对中央银行数字货币的提议。

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在讨论Meta，Google和Apple等私人公司将来可能会控制数字货币之类的担忧时，Bessent在今年早些时候对参议院财务委员会的听证会上表示：“我认为美国没有理由拥有中央银行数字货币。”

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

欧元区财务部长上个月表示，他们担心美国立场可能会影响欧元区的货币主权和金融稳定。

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

在英国，Starmer的政府承受着工党内部的压力，要求他们采取更艰难的路线。

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

政府计划将现有的金融监管扩展到参与加密货币的公司，使英国与美国而不是欧盟保持一致。

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.

总理雷切尔·里夫斯（Rachel Reeves）最近访问了华盛顿，在那里她与美国财政部长斯科特·贝森特（Scott Bessent）讨论了加密货币监管，两国计划在6月就该主题进行进一步的谈判。

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

Bessent被称为亲克赖普托，与特朗普一起反对中央银行数字货币的提议。

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在讨论Meta，Google和Apple等私人公司将来可能会控制数字货币之类的担忧时，Bessent在今年早些时候对参议院财务委员会的听证会上表示：“我认为美国没有理由拥有中央银行数字货币。”

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

欧元区财务部长上个月表示，他们担心美国立场可能会影响欧元区的货币主权和金融稳定。

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

在英国，Starmer的政府承受着工党内部的压力，要求他们采取更艰难的路线。

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.

作为她增长战略的一部分，里夫斯呼吁在某些领域放松法规，这是FCA首席执行官Nikhil Rathi支持的方法，他建议可以简化广场英里的规则以刺激创新。

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付款和数字融资执行董事David Geale表示，Clear Crypto法规将增加对该行业的信心，从而支持增长。

“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.

他说：“加密货币是一个不断发展的行业。目前在很大程度上不受监管，我们希望建立一个加密政权，使公司具有安全创新所需的清晰度，同时提供适当水平的市场完整性和消费者保护。”

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援引人们对市场操纵，利益冲突，缺乏透明度和不可靠的交易系统的担忧，他补充说：“我们的目的是推动英国加密货币的可持续性，长期增长。我们询问我们是否正确达到了平衡。”

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

立法将赋予监督所有加密货币和数字金融业务，包括加密货运平台，中介机构，加密资产贷方和借款人。