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从2020年开始,德国银行可以出售和保管加密资产

wuya 2019-11-30 14:38

 

根据新的立法,从明年开始,德国的银行将被允许提供加密货币的销售和存储。


当地商业报纸《商报》(the Handselblatt)在周三的一篇报道中称,此前,银行被禁止提供密码资产的直接访问权限,但实施欧盟第四项反洗钱指令的新法律将改变这一情况。该法案已经在德国联邦议会联邦议院获得通过,预计将在全国16个州获得通过。


该报告称,该法案比之前计划的更进一步。最初,不允许银行充当密码保管人,而只能依靠外部保管人或专门的附属机构。


咨询公司DLC的负责人斯文·希尔德布兰特(Sven Hildebrandt)对这一消息表示欢迎。这位德国立法者在(密码资产)监管方面发挥着先锋作用。"


德国银行业协会BdB也对该法案持积极态度。“信贷机构在客户资产的安全保管和风险管理方面经验丰富,致力于保护投资者,并一直受到金融监管的控制,”它表示。因此,银行可以利用加密资产“有效地防止洗钱和恐怖主义融资”。


BdB表示,即将出台的法案将进一步使投资者能够通过德国的基金投资于加密技术,而不必被迫将资金投向海外。


一些评论人士对新法对消费者保护的威胁表示担忧。


金融专家尼尔斯Nauhauser Baden-Wuerttemberg消费者中心对Handselblatt说:“如果允许[银行]销售cryptocurrencies和让他们付费,他们把他们的风险资产的风险总损失客户,没有他们知道他们正在进入。"

 

From next year, banks in Germany will be allowed to offer the sale and storage of cryptocurrencies under new legislation.

 

Previously, banks were barred from offering direct access to crypto assets, but the new law implementing the fourth EU Money Laundering Directive would change that, according to local business newspaper the Handselblatt in a report on Wednesday. The bill has already been passed by the German federal parliament, the Bundestag, and is expected to be signed off by the nation's 16 states.

 

The bill goes further than had been previously planned, the report says. Originally, banks were not to be allowed to act as crypto custodians, and were to have relied on external custodians or dedicated subsidiaries.

 

Sven Hildebrandt, head of the consulting firm DLC, welcomed the news, telling the Handselblatt: "Germany is well on its way to becoming a crypto-heaven. The German legislator is playing a pioneering role in the regulation of [crypto assets]. "

 

German banking association BdB was positive about the legislation, too. "Credit institutions are experienced in the safekeeping of client assets and in risk management, are committed to investor protection and have always been controlled by the financial supervision," it said. As such, banks could "effectively prevent money laundering and terrorist financing" with crypto assets.

 

The incoming bill would further enable investors to invest in cryptos ​​via Germany-based funds and not be forced to put their money abroad, according to the BdB.

 

Some commentators expressed concerns over a perceived threat to consumer protections arising from the new law.

 

Niels Nauhauser, financial expert at the consumer center in Baden-Wuerttemberg, told the Handselblatt: "If [banks] are allowed to sell cryptocurrencies and keep them for a fee, they run the risk of turning their assets at risk of total loss to their clients, without them knowing what they are getting into. "

    来自: coindesk