加密货币保险行业——保障数字货币世界安全的

数字货币作为一种虚拟资产，由于存在区块链技术和去中心化的特点，其安全系数相较于传统资产更容易受到黑客攻击、资金丢失、市场风险等各种风险。

As a virtual asset, digital currencies are more vulnerable to risks such as hacking, loss of funds and market risks than traditional assets, owing to the presence of block chain technology and decentralization features.

因此，在数字货币市场快速发展的背景下，加密货币保险的需求日益增长。保险公司提供多种保险产品，主要针对数字货币的安全风险，旨在保障数字资产的安全，为数字货币创造安全和可靠的环境。

As a result, there is a growing demand for cryptographic currency insurance against the backdrop of rapid developments in the digital currency market. Insurance companies provide a wide range of insurance products, mainly in response to the security risks of digital currency, with the aim of guaranteeing the security of digital assets and creating a safe and secure environment for digital money.

数字货币风险涉及多个方面，主要包括交易风险、技术风险、市场风险等。

Digital currency risks are multi-faceted, including mainly transactional risks, technological risks, market risks, etc.

交易风险指的是数字货币的交易、结算、清算等方面出现的问题，如支付问题、担保风险等。

Transaction risks refer to problems arising in respect of transactions in digital currencies, settlements, liquidations, etc., such as payment issues, security risks, etc.

技术风险主要指数字货币交易所或数字钱包等金融科技公司的技术出现故障，或受到黑客攻击导致资金丢失等问题。

Technology risks are mainly related to technology failures in financial technology companies such as digital money exchanges or digital wallets, or the loss of funds as a result of hacking.

市场风险包括数字货币价格大幅波动，或管理体系缺失等问题。

Market risks include problems such as large fluctuations in digital currency prices or deficiencies in regulatory systems.

数字货币保险主要分为两类：冷钱包保险和交易所保险。

Digital currency insurance is divided into two main categories: cold wallet insurance and exchange insurance.

冷钱包保险适用于数字货币储存于不联网的设备中，主要覆盖黑客盗窃、设备损坏、灾害等风险。保险公司提供的服务有储存和保险方案、设备的批量购买等，帮助数字货币储存者在安全与方便上达成平衡，同时弥补了数字货币安全方面的短板。

The cold wallet policy applies to digital money stored in unconnected equipment and covers the risks of hacking, equipment damage, disaster, etc. Insurance companies provide services such as storage and insurance programmes, bulk purchase of equipment, etc., to help digital money depositors strike a balance in terms of safety and convenience, while at the same time bridging the gap in digital currency security.

交易所保险适用于数字货币撮合交易平台的风险，主要保障交易所面临的外部风险，如黑客攻击、破产等。保险公司提供的保险服务可以帮助交易所保障许多风险因素的损害，并提供更可靠的撮合交易环境，尤其能够深受资本市场青睐。

Exchange insurance applies to the risks of digital money-fixing trading platforms, primarily to safeguard external risks to transactions, such as hacking, bankruptcy, etc. Insurance services provided by insurance companies can help the exchange to safeguard many risk factors and provide a more reliable enabling environment, particularly in the interest of capital markets.

加密货币保险市场的机会和挑战同样巨大。

The opportunities and challenges of an encrypted currency insurance market are equally enormous.

机会在于随着数字货币市场的快速成长，数字资产维度不断拓展，加密货币保险2.0时代，数字货币保费覆盖范围将更大，服务范围将更广。

The opportunity lies in the fact that, with the rapid growth of the digital currency market, the dimensions of digital assets are expanding, and in the age of encryption currency insurance, the coverage of digital currency premiums will be greater and the range of services will be wider.

挑战在于数字货币市场的不确定性和稳定性，及该市场处于政策监管之下。

The challenge lies in the uncertainty and stability of the digital currency market, which is under policy regulation.

如何有效地规避数字货币市场风险，掌握数据监测技术，具备出色的专业风险管理能力，具有出色的行业嗅觉和高度的市场敏锐度等，将会是加密货币保险行业面临的关键挑战。

Effectively evading the risks of the digital currency market, mastering data monitoring techniques, excellent professional risk management capabilities, excellent industry smell and high market agility will be key challenges for the crypto-currency insurance industry.

数字货币保险通过摆脱传统银行业务的繁琐流程，能够更大程度上解决数字资产安全问题，而具有更高的采购效益的加密货币也将受到越来越多机构的重视，数字货币保险市场仍有着较大的空间和发展潜力。

Digital currency insurance can address digital asset security to a greater extent by moving away from the cumbersome processes of traditional banking, while encrypted currencies with higher procurement benefits will also receive the attention of an increasing number of institutions, and the digital currency insurance market still has greater space and development potential.

未来，加密货币保险预计将更大程度地拓展业务范围，进一步降低与交易所和商场的合作风险，监管合规水平、客户服务团队、技术创新等也会大力推进，使得行业的发展迎来更好的机会和更坚实的支撑。

In the future, encryption currency insurance is expected to expand the scope of operations to a greater extent, further reducing the risks of cooperation with exchanges and malls, as well as improving regulatory compliance, customer service teams, technological innovation and so on, allowing industry to develop with better opportunities and stronger support.

加密货币保险能够提高区块链安全。

Encrypted currency insurance can enhance block chain security.

区块链技术的应用使得传统金融世界和数字货币市场的基础设施更具有可信度，实现了去中心化的金融交易模式。要推动区块链的发展，数字资产的管理和安全需要得到有效的保障。

The application of block-chain technology makes the infrastructure of the traditional financial world and digital money markets more credible and provides a decentralised model of financial transactions. To facilitate the development of block-chains, the management and security of digital assets need to be effectively safeguarded.

加密货币保险保障了数字货币市场的安全和风险控制，可以更好地推动区块链应用的发展，提高区块链中国安全的标准和保障度。

Encrypted currency insurance guarantees security and risk control in the digital currency market and can better contribute to the development of block chain applications and improve standards and safeguards for the safety of the block chain in China.