{"id":8459,"date":"2025-05-14T03:22:41","date_gmt":"2025-05-14T03:22:41","guid":{"rendered":"https:\/\/cryptozen.asia\/id\/kekhawatiran-federal-reserve-terhadap-dampak-stablecoins-pada-sistem-perbankan\/"},"modified":"2025-05-14T03:22:41","modified_gmt":"2025-05-14T03:22:41","slug":"kekhawatiran-federal-reserve-terhadap-dampak-stablecoins-pada-sistem-perbankan","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/id\/kekhawatiran-federal-reserve-terhadap-dampak-stablecoins-pada-sistem-perbankan\/","title":{"rendered":"Kekhawatiran Federal Reserve Terhadap Dampak Stablecoins pada Sistem Perbankan"},"content":{"rendered":"

Catatan Pertemuan Dewan Penasihat CDIAC<\/h2>\n

Catatan pertemuan terbaru tanggal 10 April<\/strong> mengungkapkan bahwa Dewan Penasihat Institusi Depositori Komunitas Federal Reserve (CDIAC)<\/strong> telah menyampaikan kekhawatiran terkait stablecoins yang diterbitkan oleh entitas non-bank.<\/p>\n

Kekhawatiran Terhadap Stablecoins<\/h2>\n

Komite meyakini bahwa stablecoins<\/strong> ini dapat mempercepat keluarnya simpanan dari bank dan mengurangi kemampuan bank komunitas dalam memberikan pinjaman kepada usaha kecil dan rumah tangga.<\/p>\n

Komite membandingkan dampak stablecoins dengan pengaruh dana pasar uang<\/strong> terhadap industri perbankan di akhir abad ke-20, serta mencatat kesamaan mereka dengan mata uang digital bank sentral (CBDCs)<\/em> terkait potensi pengalihan basis simpanan dari sistem perbankan.<\/p>\n

Regulasi dan Stabilitas Keuangan<\/h2>\n

Mereka menekankan bahwa stablecoins<\/strong> yang ada saat ini tidak diatur oleh persyaratan regulasi likuiditas yang setara, yang dapat menyebabkan bank mengurangi penawaran kredit mereka, terutama berdampak pada peminjam kecil<\/strong> yang bergantung pada layanan bank lokal.<\/p>\n

Komite merekomendasikan agar stablecoins<\/strong> dimasukkan ke dalam kerangka regulasi stabilitas keuangan<\/em>, serta mendorong penciptaan standar yang menyeluruh<\/strong> bagi lembaga penerbit, baik bank maupun non-bank, guna mencegah terjadinya arbitrase regulasi.<\/p>\n

\n

Pendapat ini sejalan dengan pernyataan Ketua Federal Reserve, Jerome Powell<\/strong>, pada 16 April<\/strong>, di mana ia mengakui daya tarik luas dari stablecoins namun menekankan pentingnya adanya sistem regulasi yang tepat<\/em>.<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Catatan Pertemuan Dewan Penasihat CDIAC Catatan pertemuan terbaru tanggal 10 April mengungkapkan bahwa Dewan Penasihat Institusi Depositori Komunitas Federal Reserve (CDIAC) telah menyampaikan kekhawatiran terkait stable…<\/p>\n","protected":false},"author":3,"featured_media":8458,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[4592,4790,4828,4217],"class_list":["post-8459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","tag-cbdc","tag-federal-reserve","tag-jerome-powell","tag-legal"],"yoast_head":"\nKekhawatiran Federal Reserve Terhadap Dampak Stablecoins pada Sistem Perbankan - CryptoZen<\/title>\n<meta name=\"description\" content=\"Federal Reserve mengungkapkan kekhawatiran mengenai dampak stablecoins terhadap simpanan bank dan pemberian pinjaman, serta mendesak perlunya standar regulasi untuk melindungi bank komunitas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptozen.asia\/id\/kekhawatiran-federal-reserve-terhadap-dampak-stablecoins-pada-sistem-perbankan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kekhawatiran Federal Reserve Terhadap Dampak Stablecoins pada Sistem Perbankan - 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