“据彭博社7月16日报道，特许金融分析师（CFA）考试中添加了加密货币和区块链内容。考生将在下月见到这部分新内容。”

　　从今天上午开始，有关加密货币（有的也叫“数字货币”）和区块链内容加入CFA考试的新闻简讯瞬间刷遍了考姐身边的CFA备考群（当然标题也是不尽相同）。讲真，考姐一开始并不以为然，因为从去年下半年开始，关于19年CFA考试增加Fintech考试科目的新闻就层出不穷，几乎每隔一段时间就有五花八门的自媒体跟帖，也搞不清是炒作还是传说中的“每月一问”。

　　为了一探究竟也为了给广大焦虑的CFA考友一个交代，

　　考姐从所有简讯的信息源头——“彭博社”官网。

　　找到了对应文章，并为大家做全文翻译，

　　更特邀高顿CFA研究院的名师进行专业解读。

　　“彭博社”原文中英对照翻译：

　　CFA Institute, whose grueling three-level program has helped train more than 150,000 financial professionals, is adding topics on cryptocurrencies and blockchain to its Level I and II curriculums for the first time next year. Material for the 2019 exams will be released in August, giving candidates their first opportunity to start logging a recommended 300 hours of study time.

　　CFA协会，其让人精疲力竭的三级进阶考试计划已帮助培养了超过15万名金融专业人士。而在明年，他们将首次在CFA一级和CFA二级考试课程中增加加密货币和区块链两大主题科目。为了让第一批参加（改革后）考试的2019考生尽早开启300小时的（官方）推荐学习时间，新教材将于（今年）8月份推出。

　　CFA added the topics, part of a new reading called Fintech in Investment Management, after industry participants showed surging interest in surveys and focus groups. The worlds of finance and crypto have become increasingly intertwined after last year’s Bitcoin boom, with regulated futures now trading in Chicago, blue-chip firms like Goldman Sachs Group Inc. dabbling in digital assets, and scores of Wall Streeters joining crypto-related startups.

　　在了解到行业从业者和相关人群对fintech表现出越来越浓厚的兴趣后，CFA协会决定增加一项名为Fintech in Investment Management的新部分。在去年比特币的繁荣过后，包括芝加哥期货交易所，以高盛集团（Goldman Sachs Group Inc.）为代表的蓝筹公司，以及很多华尔街高管，纷纷涉猎数字资产领域和加密货币相关的初创公司，金融领域和加密货币之间的联系正变得越来越紧密。

　　While digital coins have tumbled in 2018 and the real-world impact of blockchain ventures has thus far been limited, some observers say the technology could ultimately transform swathes of the global financial system.

　　虽然在2018年，数字货币（的发展速度）已呈下滑趋势，同时区块链企业的实际影响已变得非常有限，但一些专业研究人员表示，这项技术最终可能会改变全球金融体系。

　　“We saw the field advancing more quickly than other fields and we also saw it as more durable,” said Stephen Horan, managing director for general education and curriculum at CFA Institute in Charlottesville, Virginia. “This is not a passing fad.”

　　“我们看到该领域比其他领域发展得更快，也认为它更加可持续化，”弗吉尼亚州夏洛茨维尔CFA研究所通识教育和课程总经理Stephen Horan说：“这并不是昙花一现。”

　　The CFA material on crypto and blockchain will appear alongside other fintech subjects including artificial intelligence, machine learning, big data and automated trading. More crypto topics, such as the intersection of virtual currencies and economics, may eventually be added to the curriculum, Horan said.

　　随着加密货币和区块链科目的CFA（考试配套）教材的推出，更多的加密货币主题，如虚拟货币和经济学关联的部分，今后将很可能与其他金融科技（Fintech）主题一起被添加到课程中，包括人工智能，机器学习，大数据和自动交易。Horan如是说。

　　“It will be beneficial for us, since there’s been a huge expansion and adoption of crypto in our investment universe,” said Kayden Lee, 27, a financial economics student at Columbia University who took the CFA Level I exam in June and is interning as a fund analyst in Singapore during his summer break.

　　“这对我们来说是有益的，因为我们的投资领域扩张非常明显，并且加密技术已被广泛应用，”来自哥伦比亚大学金融经济学学生，27岁的Kayden Lee说道。他在6月份参加了CFA一级考试，并且暑假实习期间在新加坡担任基金分析师。

　　“But more importantly the focus is on fintech and blockchain,” Lee said. “How it works to improve, unravel or even disrupt certain sectors.”

　　“但更重要的关注点在金融科技和区块链，”Lee说。“它是如何改进，拆解甚至导致某些部门的重构。”

　　The new topics will also make an appearance in the CFA readings on professional ethics, an area that some say is lacking in the crypto world. Many virtual currency projects operate in a legal gray zone, while digital-asset trading venues and initial coin offerings are rife with examples of fraud, market manipulation, money laundering and theft. Bitcoin, the most popular cryptocurrency, has lost more than half its value this year amid growing regulatory scrutiny and a series of exchange hacks.

　　新的主题也将出现在CFA关于职业道德的读物中，有人说职业道德的标准在加密世界中是缺乏的。许多虚拟货币项目在法律的灰色地带运作，而数字资产交易场所和初始货币产品充斥着欺诈，市场操纵，洗钱和盗窃的例子。比特币，这个目前最受欢迎的加密货币，由于越来越多的监管审查和一系列（金融）交易黑客的攻击，今年已经失去了一半以上的价值。

　　A record 227,031 people in 91 countries and territories registered to take CFA exams in June, seeking a better understanding of finance, improved job prospects or some combination of the two. A majority of the candidates came from Asia, which also happens to be where much of the world’s virtual currency trading takes place. About 45 percent of Bitcoin transactions are paired against the Japanese yen, according to CryptoCompare.com, while Korean crypto exchanges are some of the world’s largest.

　　（今年）6月份，91个国家和地区的227,031人注册参加CFA考试，创下了历年考试规模之最，他们希望更好地了解金融，改善就业前景亦或是（上述）两者都是。 大多数考生来自亚洲，这也是全世界虚拟货币交易最火爆的地区。根据CypCurrasecom的数据，约有45%的比特币交易涉及日元，而韩国的虚拟货币交易所规模则是世界上最大的。

　　It’s positive that organizations like CFA are drawing attention to the space, said Darius Sit, a former foreign-exchange and bond trader at BNP Paribas SA who’s now managing partner of cryptocurrency trading firm QCP Capital Pte in Singapore. “More education is always good.”

　　BIDP Paribas SA的前外汇和债券交易员Darius Sit表示，像CFA这样的组织正在引起人们对该领域的关注，这是非常积极的。他现在是新加坡加密货币交易公司QCP Capital Pte的管理合伙人。“有更多的教育机会总是好的。”

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