特朗普财政部监管新政或引发金融监控危机

marsbitPublished on 2025-03-13Last updated on 2025-03-13

特朗普财政部扩大金融监控

超过一百万美国人即将面临新一轮的金融监控。财政部下属的金融犯罪执法网络(FinCEN)宣布,将货币交易报告的门槛从1万美元降低至200美元,适用于居住在加利福尼亚州和德克萨斯州30个邮政编码区的美国人。美国的金融监控长期以来需要改革,但这一举措方向错误。

FinCEN正式宣布这一临时政策调整,旨在“进一步打击墨西哥贩毒集团及其他犯罪分子在美国西南边界的非法活动和洗钱行为。”财政部长斯科特·贝森特(Scott Bessent)表示:“作为全面应对这一威胁的政府行动的一部分,[财政部]将继续专注于利用我们所有可用的工具和权限,更好地识别和应对这些犯罪活动。”

尽管这一公告令人失望,但并不令人意外。卡托研究所经济与社会政策研究副总裁亚历克斯·诺瓦斯特(Alex Nowrasteh)在2月警告人们,特朗普总统将贩毒集团定性为恐怖组织的决定可能会对公民自由和整体经济产生负面影响。具体而言,诺瓦斯特指出,这一定性将使政府能够冻结资产、实施二级制裁,并对金融系统采取更大的控制。

这项公告特别令人担忧的地方在于,1万美元的货币交易报告门槛早就该进行改革。至少,许多人认为这一金额应该根据通货膨胀进行调整。无论是基于1945年《与敌交易法》下的报告,还是1970年《银行保密法》的实施,或是财政部1972年对货币交易报告的监管,很明显,这一报告制度已经失控(见图1)。

特朗普

Source: Author’s calculations based on data from Bureau of Labor Statistics.

然而,实际上我们看到的是金融监控的急剧增加,使问题变得更为严重。

无论是黑帮还是贩毒集团,组织犯罪都不是容易应对的事情。然而,这一挑战并不意味着美国人应该在追求正义的过程中被剥夺权利。正如“为未来而战”组织在2023年警告国会的那样,“如果[罪犯]成功诱使美国放弃隐私这一人权和美国宪法的原则,所有人都会失去。”当拜登政府试图监控银行账户中仅600美元的交易时,这一点是正确的,而现在特朗普政府正在监控仅200美元的交易时,这一点依然成立。

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