美联储主席候选人鲍曼避谈是否接掌Fed 呼吁转变AI与加密监管思维

Core Viewpoint - Michelle Bowman, a Federal Reserve Governor, emphasizes her focus on regulatory responsibilities, including revising capital rules for large banks and addressing the issue of "debanking" [1][2][4]. Regulatory Focus - Bowman is currently dedicated to her regulatory duties, pushing for changes in capital rules for large banks and combating "debanking" practices [2][4]. - She has initiated a new capital rule development that is risk-based and aims to reduce the burden on large banks compared to previous proposals from the Biden administration [4]. Capital Rules Reform - The Federal Reserve is reviewing multiple capital rules and plans to propose key measures that will not change regardless of the chairperson's position [4]. - The new proposal could potentially lower capital requirements for large bank subsidiaries by up to 27%, with a public feedback period ending on August 26 [4]. Reputation Risk Review - Bowman seeks to reduce regulatory scrutiny related to "reputation risk" in bank examinations, responding to pressures from banking groups and Republican lawmakers [5][6]. - The Federal Reserve has committed to not considering "reputation risk" in bank reviews, which has been criticized as unfair [5]. Interest Rate Stance - Bowman reaffirms her support for interest rate cuts, maintaining her position even when it conflicted with the majority view during the July Federal Open Market Committee meeting [7]. - The futures market predicts an 83% chance of a 25 basis point rate cut in September, indicating increased uncertainty [7]. Embracing New Technologies - Bowman calls for the banking industry and regulators to embrace emerging technologies like AI and cryptocurrencies to avoid being marginalized in the economy [8][9]. - She encourages more interaction between the industry and regulators to better understand blockchain and digital assets [9]. Employee Cryptocurrency Holdings - Bowman suggests allowing Federal Reserve employees to hold a small amount of cryptocurrencies to enhance their understanding of these markets [9][10]. - This approach aims to attract and retain skilled bank examiners by providing them with practical experience in handling digital assets [10].