鲍尔:虚拟货币是黄金而非美元的替代品数位美元再等等

2021年03月23日 19093点热度 0人点赞 4,065条评论

鲍尔:虚拟货币是黄金而非美元的替代品数位美元再等等

美国联准会(Fed)主席鲍尔(Jerome Powell)周一(22日)表示,虚拟货币实质上是黄金、而非美元的替代品,且仍然是不稳定的投机资产,此外,联准会现阶段还不急于引进数位美元。

鲍尔周一于国际清算银行(BIS)线上会议中表示,虚拟货币高度波动,不是可以储备价值的资产,且背后更没有任何支持,可说是一种投机性资产。

鲍尔说:「比特币实质上是黄金的替代品,而不是美元。」

鲍尔发表谈话后,比特币周二下跌5.42%至54,329美元。过去七个月由于交易活跃、金融业的接受度提高,以及NFT热潮,比特币的价格一度飙破6万美元。

鲍尔:虚拟货币是黄金而非美元的替代品数位美元再等等

 

比特币22日至23日走势图

鲍尔表示,稳定币(Stable coins,透过与黄金、美元或欧元等某种稳定资产挂勾的加密货币)对加密资产而言是一大进展,但稳定币的公信力来自于主权货币的支持。

鲍尔说,稳定币或许能透过适当的监管发挥作用,但不会因此为新的全球货币体系打下基础。

数位美元推出还需等等

过去几年,联准会持续发展自己的支付系统,该系统可促进资金快速转移,预计未来两年内有望推出。联准会也对央行数位货币的必要性、实用性进行调查。

鲍尔说,新冠肺炎爆发凸显开发更好支付系统的重要性,这样纾困就能迅速送给有需要的人,也凸显对贫困与中低收入社区在各个层面的影响。

不过,鲍尔表示:「要进一步发展,需要国会、政府、公众的支持,而目前还没有真正开始公民参与的工作,我们一定会在开发央行数位货币方面保持谨慎和透明的态度。」

另外,鲍尔说,需要国会通过专门授权数位货币的法律,联准会才会正式发行数位货币,而非使用现有权力,目前数位美元进展仍非常缓慢,且不急于推出。


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    Притом, что примерно за полтора года до этого – в 2019 году – ЦБ в официальном письме по запросу одной из общественных организаций заявлял, что у него нет вопросов к кооперативу – и в силу того, что потребительский кооператив не подведомствен ЦБ, и в силу того, что Банку России ничего не известно о нарушениях, которые требовали бы его вмешательства как мегарегулятора финансового рынка.
    Однако в 2021 году все изменилось: включением в предупредительный список ЦБ попытался поставить кооператив вне закона, обрушить его деятельность. С включения в предупредительный список начались злоключения кооператива: блокирование его официальных информационных ресурсов, системы личных кабинетов и платежей, а затем и распространение на него уголовного дела, возбужденного той же осенью 2021 года по заявлением ряда клиентов иностранной компании «Гермес». Кооператив был объявлен аффилированной с «Гермесом» структурой, постановлением руководителя следственной группы ему был присвоен статус гражданского ответчика по уголовному делу.

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    Но что лежало в основе включения в предупредительный список? Это стало известно недавно – из двух процессов в Приморском районном суде Санкт-Петербурга: уголовном, по обвинению бывших специалистов маркетинговой компании «Лайф-из-Гуд», сотрудничавшей с «Гермесом», в организации финансовой пирамиды, и гражданском – по иску Прокуратуры Санкт-Петербурга о признании кооператива «Бест Вей» незаконным.
    Оказывается, впервые справку о нарушениях в кооперативе подготовил в 2019 году некий центр компетенций Южного главка ЦБ в Краснодаре – который уже ликвидирован, архив этого подразделения также, видимо, ликвидирован: первоисточников решений нет – указывается, что это некие обращения граждан: каких граждан и что отмечается в обращении, не упоминается. При этом краснодарский центр указывал в отчете, что руководствовался методическими рекомендациями МВД РФ «Квалификация и расследование организации деятельности «финансовых пирамид».
    Далее Северо-Западный главк ЦБ (прежний руководитель – Надежда Савинская, нынешний руководитель – Ирина Петрова) – который обязан был провести собственную проверку по отношению к организациям в своей зоне ответственности (кооператив зарегистрирован в Санкт-Петербурге), просто переписывает документ из Краснодара – и направляет его в прокуратуру.
    Параллельно документ идет «наверх» – и (теперь уже бывший) руководитель Департамента противодействия недобросовестным практикам ЦБ Валерий Лях, который, насколько известно, уехал из России – допросить его в суде не удалось, подмахивает документ о включении кооператива в предупредительный список.
    При этом проверка деятельности кооператива не проводилась – никакая: ни выездная, ни камеральная. Документы у кооператива не запрашивались. Почему? А потому, объясняют представители ЦБ, что кооператив не является подведомственной ЦБ организацией и проверка была бы незаконной. То есть признать по выдуманным основаниям организацию недобросовестной и инициировать против нее уголовное дело можно, а проанализировать ее работу на основании подлинных документов нельзя.

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    ЦБ подкрепляет свое решение, во-первых, целыми восемью обращениями граждан – несколько более поздними, чем полумифические краснодарские. Но ни одно из которых не подано членом кооператива.
    Граждане интересуются в своих обращениях: кооператив законен? Нет ли к нему вопросов у регулирующих организаций?
    Во-вторых, актом осмотра официального сайта кооператива – в нем зафиксированы новости и структура личных кабинетов, больше ничего.
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    При этом Центробанк рассказывает, что включение в список – это только информирование потенциальных потребителей финансовых услуг о рисках, но сам же себе противоречит, говоря, что именно ЦБ обратился в Роскомнадзор о блокировании информационных ресурсов кооператива, именно он обратился в прокуратуру и органы внутренних дел с предложением возбудить уголовное дело. И именно на основании письма его Северо-Западного главка уголовное дело начало расследоваться в том числе и в отношении кооператива. При этом за несколько лет расследования ни одного криминального эпизода не найдено: деятельность кооператива абсолютно юридически чиста.

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    По поводу судьбы кооператива «Бест Вей» и других кооперативов депутаты Государственной думы неоднократно обращались к руководству ЦБ, в том числе лично к Эльвире Набиуллиной. Они предлагали разобраться в ситуации, при необходимости ввести дополнительный контроль со стороны ЦБ, который снимет сомнения со стороны ведомства.
    Набиуллина в прошлом году публично пообещала на пленарном заседании Думы проработать вопрос кооперативов, совместно с депутатским корпусом выработать компромиссные предложения – но за более чем год ничего не сделано!
    Кооперация в России продолжает торпедироваться, а ведь это важнейший для экономического роста в стране сектор – способный аккумулировать миллиарды рублей (на счетах «Бест Вей» – более 4 млрд рублей!) и направить их в развитие экономики. Это важнейшее направление решения жилищного вопроса – альтернатива ипотеке, которая недоступна подавляющему большинству граждан и единственное, чему помогает, – это обогащению банков и мафии, стремящихся прибрать к рукам деньги граждан.

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    Атаки центробанкиров на кооператив носят целенаправленный характер. Достоверно известно, что они велась с одобрения первого зампреда ЦБ Владимира Чистюхина – не говоря уже о бывшем и нынешнем руководителях Северо-Западного главка ЦБ Савинской и Петровой, бывшем директоре (упраздненного в прошлом году) Департамента противодействия недобросовестным практикам Валерии Ляхе, а также главе забравшего его функции Департамента небанковского кредитования Илье Кочеткове.
    Это не что иное, как круговая порука. В прошлом году к руководителю службы по защите прав потребителей и обеспечению доступности финансовых услуг ЦБ Михаилу Мамуте обратились по поводу очевидного нарушения законодательства – банки отказались исполнить судебное решение о снятии ареста со счетов кооператива (позднее арест был наложен снова). Мамута под мифическими предлогами отказался наказать банки.
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  • Normanevase

    A ring found among the debris of Florida’s recent hurricanes awaits its owner
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    Scattered across Florida’s hurricane-ravaged communities are piles of debris, remnants of what were once homes. Cherished memories — photo albums, family heirlooms, and tokens of love — swallowed by floodwaters and carried miles away, are now reduced to mere fragments and discarded amid the wreckage.

    But in one of these piles of lost memories, a small, inconspicuous velvet black box was discovered with a ring and a note that read: “I was 18 when my parents gave it to me.”
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    Now, Joe Kovach, the engineer managing one of the debris sites in Tarpon Springs, Florida, where the box was found, is searching for its owner.

    “Everyone has been basically dumping their entire lives onto the curb after the storm when everything flooded. My own boss’ house had 30 inches (of water) in it, and I saw his face and just how devastating it can be for everyone,” Kovach, an engineer with Pinellas County Public Works, told CNN.

    “A lot of people in the community were really affected by these two storms, if there’s just a little bit I can do to give back, then that’s perfect.”

    A contractor, who was gathering and condensing debris with an excavator, discovered the ring when he looked down and saw the box.

    “This was a needle in a haystack for sure. For something like that to survive all that when everything else was so wet and saturated, that was kind of incredible,” Kovach said.
    Although the ring was found after Hurricane Milton, Kovach is sure the treasure was initially lost amid the ruins of Hurricane Helene, based on the pile of debris it came from, which Pinellas County Public Works tracks. It is likely the owner of the ring is from Crystal Beach, Ozona, or Palm Harbor, Kovach said.

    On Tuesday, after the contractor informed him about the ring, Kovach posted a photo of the box and the note on several local community Facebook pages, asking if it belonged to anyone. He did not include a photo or description of the ring to ensure it is returned to the rightful owner who can accurately describe it. On the inside lid of the box is a gold engraving with the jewelry brand, “The Danbury Mint.”

    2024年10月28日
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  • Robertced

    These are 2024’s top trending Halloween costumes, according to Google
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    An Olympic breakdancer, a Chipotle burrito and a pop star walk into a bar.

    This may sound like the start to a bad joke, but it could be a scene unfolding across the US on October 31, according to online search data.

    Google’s annual “Frightgeist” list has unveiled 25 costume ideas the tech giant says are “trending” in the build-up to Halloween. The list, based on comparisons of year-on-year search data from September, is also something of a who’s who of pop culture in 2024.

    Top of this year’s list is Bob, a shrunken-headed ghost from the recent “Beetlejuice” sequel. Viral breakdancer Raygun took second place, with Google noting a spike in searches for “green and yellow track suit” and “green track pants,” as worn during the Australian’s controversial Olympics performance. Third place went to CatNap, the cat-like monster from the popular video game series “Poppy Playtime.”

    Also in the top 10 were Deadpool’s female counterpart Lady Deadpool and singer Sabrina Carpenter, whose cut-out heart corset has spiked in searches this year, according to Google Trends.

    2024年10月30日