穩定幣利息或引發銀行資金外流危機

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Citi高管警告穩定幣利息可能會抽走銀行存款：報導

Citi的金融未來部門負責人Ronit Ghose在周一發表的一份報告中警告，支付穩定幣存款利息可能會引發類似1980年代的銀行資金外流，從而推高資金成本和信貸價格。

根據《金融時報》的報導，Ghose將支付穩定幣利息可能引發的資金外流比擬為1970年代末和1980年代初的貨幣市場基金繁榮。這些基金的規模從1975年的約40億美元激增至1982年的2350億美元，增長速度超過了受到嚴格監管的銀行存款利率。根據聯邦儲備系統的數據，1981年至1982年間，銀行賬戶的取款超過了新存款32億美元。

PwC的銀行和資本市場顧問領導人Sean Viergutz同樣表示，消費者轉向更高收益的穩定幣可能會給銀行業帶來麻煩。他指出：“銀行可能會面臨更高的資金成本，這可能使家庭和企業的信貸變得更加昂貴。”

美國銀行反對穩定幣利息

《GENIUS法案》不允許穩定幣發行者向持有者提供利息，但並未將此禁令擴展到加密貨幣交易所或相關企業。這一監管架構引起了銀行業的強烈反應。

以銀行政策研究所為首的幾個美國銀行團體已經呼籲當地監管機構關閉他們所稱的漏洞，這可能間接允許穩定幣發行者支付利息或收益。在最近的一封信中，該組織指出，這一所謂的漏洞可能會擾亂對美國企業和家庭的信貸流動，可能觸發6.6萬億美元的存款外流。

加密行業的反擊

加密行業對銀行的擔憂表示反對，兩個行業組織呼籲立法者拒絕關閉“漏洞”的提議。這些組織警告，修訂將使傳統銀行佔據優勢，並抑制創新和消費者選擇。

美國政府已成為支持美元掛鉤穩定幣採用的主要力量。財政部長Scott Bessent在三月份表示，美國政府將使用穩定幣來確保美元保持全球儲備貨幣的地位。他當時表示：“我們將對穩定幣制度進行深入思考，正如特朗普總統所指示的，我們將保持美元在全球的主導地位，並將利用穩定幣來實現這一目標。”

這場穩定幣的爭論不僅是金融科技與傳統銀行業的對抗，更是對未來金融體系的深刻思考。隨著穩定幣的興起，銀行業的運作模式可能會面臨挑戰，這不僅關乎利息的競爭，更是對整個金融生態系統的影響。銀行是否能夠適應這一變化，將成為未來金融市場的重要課題。

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