CLARITY法案：银行业贸易团体推动收益率协议修订 - 详情

bitcoinistPublicado a 2026-05-10Actualizado a 2026-05-10

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美国银行业贸易团体呼吁修订《CLARITY法案》中关于稳定币收益的妥协条款，该法案预计将于下周进入关键审议阶段。根据已达成的协议，法案将禁止所有形式的、类似存款的被动稳定币利息，以保护传统银行储蓄业务，但允许与真实活动（如质押、交易或提供流动性）挂钩的奖励，旨在鼓励“购买并使用”而非“购买并持有”稳定币。 多个主要银行业协会联署致信，提议修改法案措辞，特别是将“功能和经济等价物”改为“实质相似”，以更彻底地禁止被动收益，并防止资金从传统金融机构流出。他们还建议删除可能引发歧义的条款。不过，有立法助手认为这些修改建议意义有限，立法者的关注点已转向法案其他方面。 美国参议院银行委员会定于5月14日对《CLARITY法案》进行审议，委员会将讨论修正案并投票决定是否提交参议院全院表决。该法案需先后经参众两院通过，并由总统签署才能成为法律。

美国银行业贸易团体呼吁修改备受期待的《CLARITY法案》中关于稳定币收益率的折衷方案。此项声明是在预计下周对该加密立法进行审议会议之前发布的。经过数月的谈判，立法者、加密行业参与者和美国银行已就如何在即将出台的监管框架下采用稳定币收益率达成协议。

具体而言，《CLARITY法案》将禁止所有形式的、类似存款的被动稳定币利息，这实际上阻止了与传统银行储蓄的竞争。然而，该法案将允许所有与真实活动挂钩的奖励形式，包括质押、交易活动或流动性提供。本质上，其目的是促进稳定币的“购买和使用”模式，而非“购买和持有”模式。

银行工会行动以关闭被动‘漏洞’

在5月8日的一篇X帖子中，独立记者埃莉诺·特雷特分享了一封由银行业贸易团体发出的信函，其中提议修改《CLARITY法案》中关于稳定币收益率的部分。该信函的参与方包括美国银行家协会、银行政策研究所、消费者银行家协会、金融服务论坛、美国独立社区银行家协会和国家银行家协会。

提议的修订主要旨在传达对被动利息的绝对禁止，并防止传统金融机构的任何存款外流。如下所述，这些修订包括语法调整，特别是在第404(c)(1)节中，工会提议将“功能性和经济性等价物”这一短语替换为“实质上类似”，以定义被动存款收入收益率和与稳定币相关的收益率机制。

还有一个建议是完全删除第(3)(B)小节，他们认为该小节引入了一种模糊性，损害了折衷方案的主要目标。然而，这些建议不太可能受到太多关注，因为立法者基本上已将注意力转移到《CLARITY法案》的其他方面。特雷特特别报道称，一位参议院助手将这些贸易团体的努力描述为“相当软弱无力”。

《CLARITY法案》接近关键的审议阶段

在其他进展方面，据报道，美国参议院银行、住房和城市事务委员会定于美国东部时间5月14日星期四上午10:30举行《CLARITY法案》的审议会议，由特雷特在另一篇帖子中报道。

在此过程中，委员会成员预计将审查该法案，辩论提出的修正案，并投票决定是否应将立法推进至参议院全体会议进行审议。委员会批准后，《CLARITY法案》必须通过参议院全体投票，随后在众议院获得批准，然后才能提交总统签署成为法律。

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Preguntas relacionadas

Q美国银行业贸易团体在CLARITY法案中寻求修订的主要条款是什么？

A他们主要寻求修订法案中关于稳定币收益的条款，特别是要求强化对被动、类似存款利息的禁止，以防止稳定币与传统的银行储蓄产品竞争。他们建议将第404(c)(1)条中的“功能和经济等价物”改为“实质上相似”，以更严格地定义被动收益，并提议完全删除他们认为会造成模糊性的第(3)(B)小节。

Q根据CLARITY法案的当前妥协方案，稳定币被允许和禁止获得哪种类型的收益？

A根据妥协方案，CLARITY法案将禁止所有形式的被动、类似存款的稳定币利息。但它允许所有与真实活动挂钩的奖励，例如质押、交易活动或提供流动性。其目的是鼓励“购买并使用”而非“购买并持有”的稳定币使用模式。

Q文章中提到的银行业贸易团体包括哪些组织？

A这些组织包括美国银行家协会、银行政策研究所、消费者银行家协会、金融服务论坛、美国独立社区银行家协会以及全国银行家协会。

Q文章中提到关于CLARITY法案修订建议的政治反响如何？

A文章指出，这些修订建议可能不会受到太多关注。一位参议院助理将贸易团体的这些努力描述为“相当平淡无力”，暗示立法者的关注点已转向法案的其他方面。

QCLARITY法案立法流程的下一个关键步骤是什么？

A下一个关键步骤是美国参议院银行、住房和城市事务委员会计划于2026年5月14日星期四东部时间上午10:30举行的法案“审议”会议。委员会成员将在会上审议该法案，辩论拟议的修正案，并投票决定是否应将该立法提交给全体参议院考虑。

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