美国银行警告4%的稳定币可能会从银行中耗尽6万亿美元,提高贷款利率,威胁金融稳定。 Bank of America warns 4% stablecoins could drain $6 trillion from banks, raising lending rates and threatening financial stability.

美国银行首席执行官Brian Moynihan警告说,提供高达4%收益的有息稳定币可能会引发传统银行存款6万亿美元外流,威胁到金融系统。 Bank of America CEO Brian Moynihan warned that interest-bearing stablecoins offering yields up to 4% could trigger a $6 trillion outflow from traditional bank deposits, threatening the financial system. 他说消费者和企业会将资金转向稳定币,以获得更好的回报,削弱银行的低成本存款基础,并迫使他们依赖价格更高的借贷。 He said consumers and businesses would shift funds to stablecoins for better returns, weakening banks’ low-cost deposit base and forcing them to rely on pricier borrowing. 这可能会导致抵押贷款、商业贷款和信贷的贷款利率提高,扰乱更广泛的经济。 This could lead to higher lending rates for mortgages, business loans, and credit, disrupting the broader economy. 这种关切反映出银行对货币市场基金等结构的稳定币的吸引力不断上升日益感到担忧。 The concern reflects growing anxiety among banks about the rising appeal of stablecoins structured like money market funds.