虚拟货币禁令|Virtual Currencies Ban

理丠

理丠

互联网|Internet

中国人民银行就虚拟货币交易炒作问题约谈部分银行和支付机构

为深入贯彻党中央、国务院有关决策部署,落实国务院金融委第五十一次全体会议精神,打击比特币等虚拟货币交易炒作行为保护人民群众财产安全,维护金融安全和稳定,近日人民银行有关部门就银行和支付机构为虚拟货币交易炒作提供服务问题,约谈了工商银行、农业银行、建设银行、邮储银行、兴业银行支付宝(中国)网络技术有限公司等部分银行和支付机构。

人民银行有关部门指出,虚拟货币交易炒作活动扰乱经济金融正常秩序滋生非法跨境转移资产、洗钱等违法犯罪活动风险,严重侵害人民群众财产安全。各银行和支付机构必须严格落实《关于防范比特币风险的通知》《关于防范代币发行融资风险的公告》等监管规定,切实履行客户身份识别义务,不得为相关活动提供账户开立、登记、交易、清算、结算等产品或服务各机构要全面排查识别虚拟货币交易所及场外交易商资金账户,及时切断交易资金支付链路;要分析虚拟货币交易炒作活动的资金交易特征,加大技术投入,完善异常交易监控模型,切实提高监测识别能力;要完善内部工作机制,明确分工,压实责任,保障有关监测处置措施落实到位。

参会机构表示,将高度重视此项工作,按照人民银行有关要求,不开展、不参与虚拟货币相关的业务活动,进一步加大排查和处置力度,采取严格措施,坚决切断虚拟货币交易炒作活动的资金支付链路。

The PBC had a regulatory talk with banks and payment institutions on speculative trading of virtual currencies

Following the decisions and arrangements of the State Council and the guidelines of the 51th plenary of the Financial Stability and Development Committee under the State Council, and aiming to crack down on the speculative trading of virtual currencies including Bitcoins, to safeguard the properties of the general public and to ensure financial security and stability, the People’s Bank of China (PBC) had a regulatory talk with some banks and payment institutionsincluding the Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Postal Savings Bank of China, Industrial Bank, and the Alipay, on their services for the speculative trading of virtual currencies.

The PBC pointed out that the speculative trading of virtual currencies will disrupt the normal functioning of the economy and the financial market. It will give rise to risks of illegal and criminal activities such as illegal cross-border transfer of assets and money laundering, and seriously infringe the property safety of the public. Banks and payment institutions are to strictly follow regulatory requirements in the Notice on Guarding Against the Bitcoin Risks, the Announcement on Preventing Financing Risks Related to Token Offerings, etc. They are required to fulfill their obligations of client identification, and not to provide products or services regarding account opening, registration, transaction, clearing and settlement for related activities. They are required to screen accounts opened with them and identify those of virtual currency exchanges or over-the-counter (OTC) dealers, and cut off their payment channels for trading funds. They are to analyze the characteristics of funds for virtual currency speculation, mobilize more technological resources, improve their models for monitoring irregular transactions, and thus enhance their capacity of monitoring and identifying irregularities. In addition, banks and payment institutions are required to improve their internal systems, make clear assignment of tasks, and ensure that accountabilities are fulfilled and that monitoring-related negligence is treated effectively.

The attendees responded that they will attach great importance to the issue, and will not conduct or participate in virtual currency-related activities, as required by the PBC. They will make more screening and resolution efforts, and cut off fund channels for speculative trading of virtual currencies.


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