韓國穩定幣政策缺乏邏輯,專家提出新建議




南韓銀行優先穩定幣的做法缺乏邏輯,Kaia主席表示

南韓銀行應該為穩定幣發行者制定明確的規則,讓銀行和非銀行機構都能發行這些代幣,Kaia DLT基金會主席徐相敏博士如是說。

根據周一發布的一份報告,韓國銀行(BOK)主張銀行在推出以韓元計價的穩定幣方面應該處於主導地位,因為銀行已經受到資本、外匯和反洗錢等嚴格規範的約束,這有助於減少引入穩定幣可能帶來的風險。

同時,BOK希望建立一個由貨幣、外匯和金融當局共同組成的政策諮詢機構,以決定發行者的資格、發行量及其他關鍵考量。

Seo告訴Cointelegraph,雖然中央銀行對穩定幣風險的擔憂是可以理解的,但其主張銀行主導推出的論點“似乎缺乏邏輯基礎”。

為所有人制定明確規則才是更好的出路

Seo認為,更好的解決方案是為穩定幣發行者建立明確的規則,以“最小化貨幣風險並促進創新”。

他表示,這也將使符合這些標準的銀行和非銀行機構能夠“競爭並展示其優勢”。

“如果韓國銀行能提供如何減輕這些風險的指導,以及發行者被視為可信的必要條件,那將更具價值。”

在6月,BOK副行長柳尚大提議,讓南韓銀行成為該國穩定幣的主要發行者,以確保安全網,然後逐步擴展到其他領域。

穩定幣收益禁令也在考慮之中

BOK還希望禁止穩定幣的利息支付,理由是這可能會直接與銀行存款競爭,並擾亂該行業,並提出推廣存款代幣的商業化,這些數字代幣代表銀行或金融機構的存款。

Seo表示,對穩定幣收益的全面禁令將是一項過度措施,可能會損害和限制其採用。

“雖然我同意穩定幣本身不應包含任何收益特徵,但我認為限制通過穩定幣產生額外收益的做法過於嚴苛,”他說。

“這樣會大大限制它們的實用性和採用;因此,我認為應該允許輔助收益的產生。”

南韓的穩定幣市場正在升溫

至少有八家主要的南韓銀行在6月宣布計劃推出一種與韓元掛鉤的穩定幣,計劃在2025年底和2026年初推出。

同時,南韓科技巨頭Naver的金融科技部門Naver Financial據報導正在推進收購Dunamu的計劃,該公司運營著該國最大的加密貨幣交易所Upbit,並計劃在收購完成後啟動一個以韓元為支持的穩定幣項目。

隨著李在明總統在6月當選,南韓的加密行業受益於更有利的環境,他推進了多項與加密相關的法律,包括一項合法化穩定幣的法案。

這一系列的發展不僅顯示出南韓在加密市場的潛力,也反映出政府對於金融科技創新的支持。然而,如何平衡監管與創新之間的關係,仍然是未來發展的關鍵。這不僅關乎穩定幣的發行,也影響整個金融生態系統的健康與可持續發展。

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