Is El Salvador ’s decision to use Bitcoin as legal tender a risky proposition? Probably so. And now, we have strokovno mnenje ponudnika bonitetnih ocen Fitch Ratings to prove it. To be fair, most of what they say is true. Bitcoin is volatile. At first, all businesses will probably exchange the BTC they earn for Dollars. We can’t be sure if the government’s program to do so will work as seamlessly as advertised.
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On the other hand, it’s obvious they didn’t do their homework. Their Bitcoin knowledge is superficial at best. Fitch Rating’s analysis of the situation doesn’t offer any new insight and states the obvious over and over. Why is this a problem? Well, on njihovo uradno stran trdijo, da so:
Nagrajeni ponudnik bonitetnih ocen, komentarjev in raziskav. V tem obdobju nestanovitnosti in tehnološke preobrazbe zagotavljamo jasnost in vpogled. Človeški vpogled, ki našim strankam po vsem svetu omogoča boljše odločitve.
Za takšen pogovor bi lahko naredili boljše delo.
Kaj je agencija Fitch Ratings povedala o Salvadorju?
Will El Salvador be riskier as a country for insurance companies once the Bitcoin Law goes into effect? Absolutely. Especially at the beginning. This is a first-time-ever type of situation. Without precedent, how could it not be risky? Fitch Ratings is right when they say that the event “bo verjetno kreditno negativen za lokalne zavarovalnice, ki so izpostavljene novonastali valuti zaradi večjega deviznega tveganja in tveganja nestanovitnosti dobička ter dodatnih pomislekov glede regulatornega in operativnega tveganja."
The company also says that they don’t expect Bitcoin to be “ki jih zavarovalnice pogosto uporabljajo za izplačila škod ali prejemkov ali zavarovalnice za ponujanje polic, izraženih v digitalni valuti."To je verjetno res. Vsi v Salvadorju bodo sprva previdni, zlasti zapuščena podjetja, kot so zavarovalnice. Nato trdijo:
Sposobnost zavarovalnic, da skrajšajo obdobje imetja, bo odvisna od tega, ali regulativni in operativni okvir omogoča, da se bitcoin takoj pretvori v USD, kar trenutno ni jasno. Zavarovatelji, ki imajo bitcoin v bilanci stanja dalj časa, bodo močno izpostavljeni nihanju cen, kar bo povečalo tveganje premoženja, kar je kreditno negativno.
That’s fair. They can assess the situation that way until the first insurance company takes the risk, holds Bitcoin on their balance sheet, and starts flourishing like no other. However, isn’t it Fitch Ratings’ job to try to see beyond the obvious and provide some kind of insight? Also, Predsednik Bukele je jasno povedal Načrt Salvadorja bo vsem omogočil, da takoj spremenijo svoj BTC za ameriške dolarje. Ali trdijo, da vladi ne zaupajo? Ali pa tega beležka niso prebrali?
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Kaj še skrbi zaskrbljenost?
Najprej kritizirajo hitrost operacije:
The regulation, while in line with the ambitious timeframe for bitcoin adoption as legal tender, appears to be unnecessarily rushed and leaves insurance companies with very little time to adapt to its requirements, creating additional risk for the industry.
They don’t take into account that Bitcoin is an open network that is operational and El Salvador is just plugging into that. Insurance companies had time to do their homework and so did Finch Ratings.
Then, they criticize Bitcoin’s defining characteristics:
Fitch views bitcoin’s lack of transparency as a downside risk and anticipates treating bitcoin as a “risky asset” in its Risky Asset Ratio, to the extent such holdings can be identified.
Blokchain je odprta knjiga, ki vsako transakcijo za vedno registrira. Na več načinov je preglednost večja od sedanjega sistema. V drugih je nepregleden. Dobro ga obravnavajo kot »tvegano premoženje«, ker očitno o tem ne vedo ničesar.
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Po tem si nasprotujejo:
Fitch generally views earnings derived from speculative activities or risky exposures such as bitcoin as a credit negative, since gains could quickly reverse, creating a volatile earnings stream.
Ali niso pričakovali, da bodo zavarovalnice takoj zamenjale svoj BTC za dolarje?
In na koncu še enkrat navajajo očitno:
Fitch anticipates that the adoption of bitcoin will require insurance companies to absorb new IT, operating and administrative expenses.
As they should. And so should Fitch. Being clueless about Bitcoin is the riskier option there is.
Predstavljena slika avtorja Steve buissinne iz pixabay - Grafikoni TradingView
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