Go homepage(回首页) Upload pictures (上传图片) Write articles (发文字帖)
The author:(作者)hpmailerpublished in(发表于) 2013/12/5 11:11:52 Bank of reporters： coins deposited three major risks，
Bank of reporters: coins deposited three risk-the Bank, coins-IT information Bank of reporters: coins deposited three major risks
On December 5, people's Bank of China and other five ministries recently issued the notification against the risk of the bitcoin, Central Bank coins related matters in answering a reporter's question, that bitcoin transactions deposited three major risks: high speculative risk; higher risk for money laundering and illegal criminals or organizational risks.
Following is a Central Bank press full text:
Q: my current coins how to define the nature of?
Answer: bitcoin has not focused publishers, limited total anonymity, without geographical restrictions, and four main features. Although some coins known as "money", but because it was not issued by monetary authorities, does not have a law against mandatory currency properties, such as, are not really money. From the perspective of nature, bitcoin is a specific virtual goods, does not have the cash equivalent legal status cannot and should not be used as currency in circulation.
Q: bitcoins will focus on the risk of what? Whether it will have an impact on China's existing financial system?
Answer: at present, the public coins lack sufficient understanding of the community, a number of individuals for follow the mental possession, use or speculation and trading coins. Coins belonging to a specific virtual goods the property, there may be the following risks:
A speculative risk is higher. Bitcoin transactions market a smaller capacity, traffic 24 hours open, there is no price limit, vulnerable to speculators to control prices, volatility, the great risk. Ordinary investors blindly follow the easy to suffer heavy losses. At the same time, bitcoin transactions market is still in a spontaneous State, there may be a security risk and counterparty risk, funds of the clearing and settlement chain risk, investor's rights to be effectively guaranteed.
Second, higher risk for money laundering. Because the bitcoin transactions are anonymous and not restricted by geographical features, its difficult to monitor capital flows and facilitates for money laundering and terrorist financing activities.
Three are criminals or by illegal organizations using risk. At present, have emerged on the international use of bitcoins for criminal activities such as drugs, firearms transactions, related cases had been investigated and dealt with. At the same time, bitcoin uneven trading site, some sites had not been legally registered, suspected illegal business; some poor site safety precaution and risk-resistance abilities, prone to hacker attacks or events such as site operators to abscond with the money.
From the perspective of the current situation, due to the smaller amount of bitcoins, limited size of the market, financial institutions are not directly involved in the bitcoin transactions and investment activities, therefore, risks associated with coins is still not up to the level of shock in China's financial system.
Q: people's Bank and other five ministries and the notification of risks on the prevention of the bitcoin main content what is included?
A: people's Bank has been highly concerned about the coins and keep track of relevant regulatory policy measures around the world. December 3, people Bank in conjunction with Ministry, and silver prison will, and SFC and CIRC, issued has rules of the industrial and information Department China banking supervision Management Committee China Securities supervision Management Committee China insurance supervision Management Committee on against bit coin risk of notification under (Silver (2013) No. 289,, following abbreviation "notification under"), except clear bit coin of network virtual merchandise property outside, notification under main clear has following content:
First, it clearly requires that current financial institutions and payment institutions shall not conduct the bitcoin-related business shall not be coins to price your product or service, may not be sold or used as central opponent coins for sale, shall not be covered with coins or coins into relevant insurance business insurance coverage.
Secondly, expressly requested bitcoin registration, transaction services, such as Internet sites should be in telecommunications regulatory filings, and ensure the implementation of anti-money laundering obligations, identification, reporting of suspicious transactions to the user.
Third, clear requirements related sector and financial institutions, and paid institutions in routine in the right using currency concept, focus on strengthened to social public currency knowledge of education, will right known currency, and right regarded virtual goods and virtual currency, and rational investment, and reasonable control investment risk, and maintenance itself property security, concept into financial knowledge universal activities of content, guide social public set right of currency concept and investment concept.
Q: people's Bank will soon bitcoin transactions what regulatory measures?
Answer: bitcoin transactions as a sale of goods on the Internet, at your own risk, subject to the general population, with the freedom to participate in. Next, people's Bank, in conjunction with related ministries, urged financial institutions, payment institutions to provide coins and registration, transaction Internet stations such as effective implementation of the provisions of the notice. At the same time, people's bank based on their responsibilities and continue to pay close attention to trends and risks associated with bitcoin, further strengthening of the currency to the public knowledge of education, guide public establish a correct conception of currency and investment ideas.
央行答记者问：比特币存三大风险 - 央行,比特币 - IT资讯央行答记者问：比特币存三大风险
12月5日消息，中国人民银行等五部委近日下发《关于防范比特币风险的通知》，央行就比特币相关事宜答记者问，认为比特币交易存三大风险：较高的投机风险；较高的洗钱风险和被违法犯罪分子或组织利用的风险。
以下是央行答记者问全文：
问：我国目前对于比特币的性质如何界定？
答：比特币具有没有集中发行方、总量有限、使用不受地域限制和匿名性等四个主要特点。虽然有人把比特币称为“货币”，但由于其不是由货币当局发行，不具有法偿性与强制性等货币属性，并不是真正意义的货币。从性质上看，比特币是一种特定的虚拟商品，不具有与货币等同的法律地位，不能且不应作为货币在市场上流通使用。
问：目前比特币的风险会集中在哪些方面？是否会对我国现有金融体系产生冲击？
答：目前，社会公众对比特币还缺乏足够了解，一些个人出于跟风或者投机的心理持有、使用和交易比特币。从比特币属于特定虚拟商品这一属性看，可能存在以下风险：
一是较高的投机风险。比特币交易市场容量较小，交易24小时连续开放，没有涨跌幅限制，价格容易被投机分子控制，产生剧烈波动，风险极大。普通投资者盲目跟风容易遭受重大损失。同时，比特币的相关交易市场仍处于自发状态，可能存在交易对手方风险、资金安全风险和清算结算环节的风险等，投资者合法权益难以得到有效保障。
二是较高的洗钱风险。由于比特币交易具有匿名性和不受地域限制的特点，其资金流向难以监测，为洗钱和恐怖融资活动提供了便利。
三是被违法犯罪分子或组织利用的风险。目前，国际上已经出现了利用比特币进行的毒品、枪支交易等犯罪活动，相关案件已经被查处。同时，各比特币交易网站的状况参差不齐，一些网站没有经过合法注册，涉嫌非法经营；一些网站安全防范和抗风险能力差，容易发生黑客攻击或网站经营者卷款潜逃等事件。
从目前的形势看，由于比特币的总量较小，交易市场规模有限，各金融机构也没有直接参与比特币的交易和投资活动，因此，比特币的相关风险尚达不到冲击我国金融体系的程度。
问：人民银行等五部委出台的《关于防范比特币风险的通知》都包括什么主要内容？
答：人民银行一直高度关注比特币的动向，并持续跟踪了世界各国相关监管机构的政策措施。12月3日，人民银行会同工信部、银监会、证监会和保监会，印发了《中国人民银行工业和信息化部中国银行业监督管理委员会中国证券监督管理委员会中国保险监督管理委员会关于防范比特币风险的通知》（银发〔2013〕289号，以下简称“《通知》”），除明确比特币的网络虚拟商品属性外，《通知》主要明确了以下内容：
第一，明确要求现阶段各金融机构和支付机构不得开展与比特币相关的业务，不得以比特币为产品或服务定价，不得买卖或作为中央对手买卖比特币，不得承保与比特币相关的保险业务或将比特币纳入保险责任范围等。
第二，明确要求提供比特币登记、交易等服务的互联网站应当在电信管理机构备案，并切实履行反洗钱义务，对用户身份进行识别、报告可疑交易。
第三，明确要求相关部门和金融机构、支付机构在日常工作中正确使用货币概念，注重加强对社会公众货币知识的教育，将正确认识货币、正确看待虚拟商品和虚拟货币、理性投资、合理控制投资风险、维护自身财产安全等观念纳入金融知识普及活动的内容，引导社会公众树立正确的货币观念和投资理念。
问：人民银行近期还将对比特币交易采取何种监管措施？
答：比特币交易作为一种互联网上的商品买卖行为，普通民众在自担风险的前提下，拥有参与的自由。下一步，人民银行将会同相关部委，督促金融机构、支付机构和提供比特币登记、交易等服务的互联网站切实落实《通知》规定。同时，人民银行将基于自身职责，继续密切关注比特币的动向和相关风险，进一步加强对公众货币知识的教育，引导公众树立正确的货币观念和投资理念。
赞