全球最大加密貨幣交易所之一FTX於11月11日申請破產保護後，接連多間相關貨幣平台也同時面臨破產威脅，市場恐慌情緒持續蔓延，令加密貨幣市場受到前所未有的衝擊和考驗，也讓投資者對未來相關發展有所警惕。
Following an application for bankruptcy protection by FTX, one of the largest encrypted currency exchanges in the world, on November 11, several related money platforms have faced the threat of bankruptcy at the same time, and the market panic continues to spread, exposing the market to unprecedented impact and testing and alerting investors to future developments.
據世界銀行今年4月的網誌指，截至2021年上半年，加密資產總量在過去兩年飈升至2.8萬億美元，而與比特幣（24%）相比，以太幣（40%）和穩定幣（24%）所佔份額也逐漸增加。這些加密貨幣是虛擬資產生態的一部分，世界不少地方為迎合虛擬資產的發展趨勢，都積極研究其發展策略以及監管制度。
According to the World Bank, in April of this year, as of the first half of 2021, the total volume of encrypted assets had risen to $2.8 trillion over the last two years, and the share of the bitcoins (40%) and the steady currency (24%) has been increasing over the past two years, as compared to the Bitcoins (24%). These encrypted coins are part of the virtual resource generation, and many parts of the world have been actively studying their development strategies and regulatory systems to accommodate the developments of virtual assets.
不過，對於虛擬資產和金融科技（FinTech），多國仍以「摸着石頭過河」的審慎態度面對。例如新加坡金融管理局（Monetary Authority of Singapore，MAS）董事總經理Ravi Menon今年8月的一次演說中，仔細闡釋當局對數碼資產開綠燈（服務商須有牌照），惟不鼓勵加密貨幣炒賣的取向，態度雖保守，但勝在明確；又例如經濟合作暨發展組織（OECD）在上月初發布虛擬貨幣稅務報告，滙集會員國目前針對虛擬貨幣和加密資產的稅務條文，有助促進加密資產生態圈納入規範。
In a speech this August, the Managing Director of the Monetary Authority of Singapore, Ravi Menon, explained that the Authority's green lights on digital assets (services have a license plate), which did not encourage the export of encrypted currency, were conservative, but certainly won; and, for example, the Economic Cooperation and Development Organization (OECD), which issued a tax report on counterfeit currency in early last month, was currently promoting the introduction of encryption into the world.
與此同時，雖然加密資產和基礎技術（如區塊鏈）有望實現金融創新，但仍有對全球金融穩定構成一定風險。內地去年便宣布禁止加密貨幣交易，以遏止本來異常活躍的交投。但有趣的是，即使中央下達禁令，內地相關活動依然相當活躍。根據金融數據分析公司Chainalysis在9月發表的「2022年全球加密貨幣採用指數」（The 2022 Global Crypto Adoption Index），中國重回指數的前10名（2021年排第13位）。
At the same time, while encryption assets and infrastructure technologies (e.g. block chains) are expected to create financial innovation, there are risks to global financial stability. The Mainland announced a ban on encrypting currency transactions last year to deter unusual activity. Interestingly, however, domestic activity is still very active, even if the central ban is imposed. According to the financial data analysis company Chainalysis, published in September, The 2022 Global Crypto Adoption Index, China reverts to the top 10 (rank 13 in 2021).
事實上，加密資產與傳統金融系統的聯繫愈來愈緊密，前花旗銀行行政總裁潘偉迪（Vikram Pandit）就預期，傳統金融業會在未來3年內爭相涉足加密貨幣這個新興領域；據彭博報道，摩根大通（JPMorgan Chase）、美國銀行（Bank of America）等投資銀行，都在大舉招募相關人才，反映機構投資者正加速接納加密資產，高盛（Goldman Sachs）也開始提供加密貨幣期貨交易。
In fact, the link between encryption assets and the traditional financial system is becoming ever more tight, with the former Citibank Executive Director, Vikram Pandit, expecting the traditional financial sector to compete over the new domain of encryption currency over the next three years; according to the Bloomberg newspaper, investment banks such as JPMorgan Chase, the Bank of America, etc., are recruiting relevant personnel to reflect the speed with which institutional investors are taking up encryption assets, and Goldman Sachs has started to offer an encrypted currency deal.
（圖片來源：UNSPLASH）
全球爭相發展虛擬資產，而香港政府於10月底公布的「有關香港虛擬資產發展的政策宣言」，也表明了政府的政策立場和方針，以配合未來Web 3.0、元宇宙和虛擬資產的生態發展。我們除了需要清晰與靈活性兼備的發展策略和監管措施，以助吸引本地和海外公司在本港開展相關業務之外，還要好好把握周邊市場的潛在機遇。
The global competition for virtual assets, and the Hong Kong Government’s “Policy Declaration on Virtual Property Development in Hong Kong” issued at the end of October, also shows the government’s policy stance and guidelines to complement future Web 3.0, the dollar universe, and the evolution of virtual assets. In addition to the need for clear and dynamic development strategies and surveillance measures to help attract local and overseas companies to open their own businesses in Hong Kong, we need to take advantage of potential opportunities in the surrounding market.
根據「2022年全球加密貨幣採用指數」顯示，在154個國家中，東盟有4個國家排首20位，包括越南（第一位）、菲律賓（第二位）、泰國（第8位）、印尼（第20位），可見東盟近年在虛擬貨幣的發展迅速。香港如能抓緊東盟市場的巨大潛力，向東盟輸出金融科技和智慧城市服務，助其發展虛擬資產的同時，也能刺激本港新經濟發展，衍生更多優質的新職位、新工種，讓我們的年青人發揮所長，共同打造香港成為國際虛擬資產中心。
According to the Global Index of Encrypted Currency in 2022, out of 154 countries, four countries in the Eastern Alliance ranked first 20, including Viet Nam (first), the Philippines (second), Thailand (eighth), and Indonesia (twenty), as seen in recent years by the Alliance’s rapid development of virtual currency. Hong Kong’s ability to seize the enormous potential of the Association’s market and deliver financial technology and smart urban services to the Association, while helping it develop virtual assets can also stimulate the development of its new economy, generating new jobs, new jobs, new jobs, and new jobs, so that our young people can act as leaders in building Hong Kong as an international virtual resource centre.
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《說說心理話》情緒勒索任何關係均有機會發生 如何走出情緒勒索循環？? 即睇
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