At last year’s annual meeting of the Institute of International Finance, the association representing the global banking industry, a handful of themes dominated the conversation: the impact of financial regulation, the end of easy money, ways to jump-start sputtering growth in the advanced economies. This year, as the banking world’s leaders and hangers-on gathered at the Ronald Reagan Building in downtown Washington, D.C., those same themes were prominent once again. But one topic excited passions like no other: What should the world’s major banks “do” about比特币还是
比特币开发商“将尝试吃我们的午餐，那没关系，”说杰米·迪蒙，JPMorgan Chase的主席和首席执行官宣布，在银行Honchos的小组上发言，使其在这里的Pundits享受，因为他们占据了他们的奎奴亚藜沙拉，红烧羽衣甘蓝和过煮的三文鱼的午餐。“那是被称为竞争，我们将竞争。”但尚不清楚银行将是。询问银行应该“做”比特币的问题预先认为需要做些什么，这仍然是一个值得询问的想法。
比特币是最着名和成功的加密货币，分散，分布式电子货币系统，使用加密来保护和解决交易。其支持者对其长期潜力看不见的，全球支付系统是传统银行业的一块，最经常被视为成熟的攻击。Marc Andreessen.，42亿美元的风险投资公司Andreessen Horowitz的联合创始人最近表示，比特币为“真正普遍的转移价值方式”提供了一种“转移价值的真正普遍的方式”，如果它成功，可以“拆除银行”并帮助“重新实施整个金融体系”作为分布式系统而不是集中式系统。我们可以重塑整件事。“
但是，比特币，从其与丝绸之路的关联，现在在线商学院的丝绸之路进行了艰巨的药物交易，今年早些时候破产和崩溃公吨。gox.那at one point the largest Bitcoin exchange, are well documented, and the currency’s price has fluctuated wildly over the last 12 months (although it’s worth noting the overall uptrend in the price of a single Bitcoin, which today is worth $355 from $125 a year ago). Regulators are now starting to look at ways to control digital currencies such as Bitcoin more closely. The IRS has suggested Bitcoin miners, who add transactions to the “block chain” or public ledger that is the cryptocurrency’s core piece of infrastructure, may be subject to capital gains tax. In July, Benjamin Lawsky, the superintendent of the New York State Department of Financial Services (NYDFS), unveiled a proposed scheme for the licensing and regulation of Bitcoin which has generated an at times excitable debate during its still-open public comment period.
这些发展在一起意味着金融行业的许多人不太害怕比特币的权力来破坏传统全球支付宇宙的主导地位而不是想到的。比特币，似乎是被驯服的。Anshu Jain，Deutsche Bank的合作首席执行官，指出了音乐，零售和媒体行业，所有这些都在过去十年中的重大变化，作为对抗示例，以说明金融业对外部中断的特殊免疫力。“为什么金融中没有发生干扰？”他问。“有一个非常简单的理由：规定。”如果加密货币运营商“想乘坐零售存款”，他补充道，“他们必须改变他们的文化。”亚慱体育app怎么下载
当然，目前尚不清楚“零售存款”是比特币的目标或野心。When Bitcoin’s supporters speak of the potential of the cryptocurrency, it’s less as a replacement for conventional money or as an alternative banking system than as a way to remove the costs and inefficiencies associated with the global correspondent banking system, the complex network of protocols and standards that allows money to be moved across borders. “This is the first time you’ve had an internet for value exchange,” Chris Larsen, the CEO of Ripple Labs, a San Francisco start-up with a distributed, open source payment protocol, told the conference. The emphasis for his company, he added, is less on building a new currency than a “global wire” for payment transfers which could eventually remove the need for correspondent banks, the large financial institutions that provide much of the world’s cross-border payment plumbing. “The real problem is the time and expense to move value across borders and FX risk -- we think these technologies can fundamentally solve these problems,” he said.
从理论上讲，银行将自己呈现为实时移动货币的概念的大支持者，牢牢地跨越边界，几乎没有成本。但是，他们非常不同意比特币及其相关协议提供最佳渠道实现这一目标的想法。“我同意实时数字化，”迪蒙说。“我用比特币的问题是它不是关于技术 - 这是关于政府的问题。当人们形成国家时，他们所做的第一件事之一就是形成货币。监管机构和政府是否真的会在很长一段时间内抚养比特币？我认为答案是没有。“
当然，这是一种基于情感的争论，作为其他任何东西：戴蒙和行业中的其他人的赌场是监管机构和主权政府的领土，将努力保持比特币对全球金融体系的边缘。And there’s another dimension: Bank leaders are betting that the innate human need for security and authority when it comes to the movement of money works so powerfully that most consumers will be uncomfortable with the idea of transacting across a decentralized, non government-backed payment network.
Larsen和其他比特币助推器缺乏缺乏中央货币权威，作为新一代分布式的对等支付系统的强大实力;银行认为这是他们最大的弱点。“你必须尊重比特币等新技术，但你没有产高率，”摩根士丹利首席执行官詹姆斯·戈尔曼说。“你调整并利用。消费者会更好地将钱与他们认识的品牌放在一起。“他补充说，比特币是对银行的威胁，但“我们有能力和资源非常强大。”
你可以整天争论大银行真的是如何创新的。Jain noted that “in every core division we’re working on innovation,” although “typically it starts with a client need being met in an unconventional fashion,” and it’s arguable that a process where clients take the lead has more to do with customer service and incremental technical advances than the kind of genuine, lasting innovation that has the power to shift market structures. Bitcoin supporters, not surprisingly, are disparaging of the banks’ ability to innovate, especially given the burdens imposed by post-crisis regulation. “Two years ago I would have said the biggest obstacle to growth of Bitcoin was regulation, now I think it’s the biggest opportunity,” said Barry Silbert, founder and CEO of SecondMarket, a Bitcoin exchange. “But not the regulation of Bitcoin, the regulation of everyone else -- that is stifling innovation.”
比特币并非没有着名的支持者：Andreessen，与联盟广场企业的威尔逊弗雷德威尔逊和比尔盖茨都拥有所有浊板的支持。谁将创新最好：银行或比特码？比特币将永远成长到这一竞争中首先将变得有意义的地步吗？这一切都不清楚。但是观看技术圈的野猫圈的大型金融比赛应该在未来几年内迷人的剧院。目前，辩论处于僵局。比特币创新者对其技术替代世界金融基础设施的关键组成部分的能力至关重要。银行首席执行官非常有信心，没有这样的事情会发生。
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