穩定幣需求增長，或將降低利率：美聯儲的米蘭
美國聯邦儲備委員會的理事史蒂芬·米蘭（Stephen Miran）表示，與美元掛鉤的加密穩定幣的需求增長，可能會在未來五年內促使利率下降。
米蘭在紐約的BCVC峰會上指出，美元掛鉤的加密代幣可能會對中性利率（即不刺激或抑制經濟的利率）施加“下行壓力”。他提到，如果中性利率下降，中央銀行也會相應地降低利率。
根據CoinGecko的數據，目前所有穩定幣的市場總市值為310.7億美元，米蘭建議聯邦儲備的研究顯示，這一市場在未來五年內可能增長至3萬億美元。
米蘭表示：“我的論點是，穩定幣已經在增加美國國債和其他以美元計價的流動資產的需求，這一需求將持續增長。”他進一步指出：“穩定幣可能會成為中央銀行面前的一頭多萬億美元的大象。”
包括國際貨幣基金組織在內的多個組織已經警告，穩定幣可能對傳統金融資產和服務構成威脅，因為它們可能會與傳統銀行競爭。美國銀行團體也呼籲國會加強對有收益的穩定幣的監管，認為這些穩定幣可能會吸引本來會使用銀行的客戶。
規範為未來鋪路
在演講中，米蘭稱讚了GENIUS法案，認為該法案為穩定幣設立了明確的指導方針和消費者保護，並指出監管框架將在促進穩定幣的更廣泛採用中發揮關鍵作用。
他表示：“雖然我對新規範持懷疑態度，但我對GENIUS法案感到非常鼓舞。這一穩定幣的監管機制為持有傳統美元資產提供了合法性和責任感。”他補充道：“對於貨幣政策而言，GENIUS法案最重要的方面是要求美國本土的發行商在安全和流動的美元資產中至少以一比一的比例維持儲備。”
在當前全球金融環境中，穩定幣的發展無疑是金融科技的一個重要趨勢。米蘭的觀點提供了一個新的視角，讓我們思考穩定幣如何不僅影響個人和企業的金融行為，還可能改變整個經濟體系的運作模式。隨著穩定幣的興起，傳統金融機構面臨的挑戰將愈加明顯，這也促使我們重新思考金融監管的必要性和未來的發展方向。
以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。
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