银行业加密资产监管:风险、趋势与中国应对

Regulation of Crypto Assets in Banking:Risks,Trends and China's Response

近年来,加密资产风险事件频发,多国监管部门和国际组织已出台监管政策和应对措施,评估加密资产风险,出台监管政策和应对措施。我国加密资产发展较快、业务模式复杂,亟须出台监管政策和应对措施。文章从对银行业加密资产风险的分析入手,梳理国际层面银行业加密资产监管的主要发展,分析了美国及欧盟银行业加密资产监管的主要特征与最新进展,从监管战略、国际标准、外部防范、审慎对待、推进立法等视角,提出了进一步完善我国银行业加密资产监管框架的对策建议。

In recent years,crypto asset risk events have occurred frequently,and multinational regulatory authorities and international organizations have introduced regulatory policies and countermeasures to assess crypto asset risks and introduce regulatory policies and countermeasures.The rapid development of China's crypto assets and complex business models require the introduction of regulatory policies and countermeasures.This paper starts with the analysis of the risks of crypto assets in the banking industry,combs the main developments of crypto asset regulation in the banking industry at the international level,analyzes the main characteristics and latest progress of crypto asset regulation in the banking industry in the United States and the European Union,from the perspectives of regulatory strategy,international standards,external prevention,prudent treatment,and promoting legislation.Countermeasures and suggestions are put forward to further improve the regulatory framework of crypto assets in China's banking industry.