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[虚拟币交流]
稳定币与代币化银行存款：金融科技领域日益激烈的争论（转）
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银行和金融机构正在探索使用代币化银行存款，即将银行余额记录在区块链上。然而，哥伦比亚商学院兼职教授奥米德·马莱坎 (Omid Malekan) 认为，这项技术最终可能会被稳定币所取代。马莱坎指出，与发行代币化存款的部分准备金银行相比，持有超额抵押的稳定币发行机构（其代币持有1:1的现金或短期现金等价物储备）提供了更安全的负债保障。 稳定币具有可组合性，使其能够在加密生态系统中转移并应用于各种场景。相比之下，代币化存款需要获得许可，受客户身份验证 (KYC) 控制，且功能有限。马莱坎将代币化银行存款比作支票账户，支票只能开给同一家银行的其他客户，这质疑了其在跨境支付、服务无银行账户人群或参与去中心化金融 (DeFi) 方面的实用性。 渣打银行预测，涵盖法定货币、房地产、股票、债券、大宗商品、艺术品和收藏品等的代币化现实世界资产（RWA）领域将显著增长，到2028年规模将达到2万亿美元。与此同时，尽管《GENIUS稳定币法案》禁止发行收益型稳定币，但稳定币发行方仍在寻求与客户分享收益的方式。这导致了代币化银行存款与收益型稳定币之间的竞争，稳定币发行方以客户奖励的形式提供收益。 银行业游说团体对收益型稳定币表示担忧，担心与客户分享利息会削弱银行业市场份额。目前，美国和英国零售银行储蓄账户的平均收益率远低于1%。高于这个价位的稳定币对客户来说就很有吸引力。纽约大学教授奥斯汀·坎贝尔批评了银行业对收益稳定币的抵制。
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