【美联储委员会警告稳定币可能对银行存款和信贷能力构成风险】金色财经报道，近日披露的4月10日会议记录显示，美联储社区存款机构咨询委员会(CDIAC)成员对非银行机构发行的稳定币表示担忧。委员会认为，这类稳定币可能加速银行存款外流，并削弱社区银行向中小企业和家庭提供贷款的能力。委员会将稳定币比作20世纪末货币市场基金对银行业的冲击，指出其与央行数字货币(CBDC)类似，都可能分流银行体系的存款基础。其特别强调，当前稳定币不受同等流动性监管要求，可能导致银行缩减信贷规模，尤其影响依赖本地银行服务的小型借款人。委员会建议将稳定币纳入金融稳定监管框架，要求对银行与非银行发行机构实施统一标准，防止监管套利。这一立场与美联储主席鲍威尔4月16日的表态形成呼应——他虽承认稳定币的广泛吸引力，但强调需建立适当监管体系。
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