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The author:(作者)hpmailerpublished in(发表于) 2013/12/5 11:12:12 Five ministries jointly issued a prevent bitcoin risk notification
Five ministries jointly issued a prevent bitcoin risk notification-coins, Bitcoin-IT information Five ministries jointly issued a prevent bitcoin risk notification
For protection social public of property interests, guarantees Yuan of statutory currency status, against money-laundering risk, maintenance financial stable, rules of the, and industrial and information Department, and China banking supervision Management Committee, and China Securities supervision Management Committee, and China insurance supervision Management Committee recently joint 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), hereinafter "the notice").
The circular clarified the nature of the coins, don't think coins was 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. However, bitcoin transactions as a sale of goods on the Internet, at your own risk, subject to ordinary people have the freedom to participate in.
Notice under requirements, at this stage, all financial institutions and paid institutions shall not be to bit currency for products or service pricing, shall not be trading or as central opponent trading bit currency, shall not be bearing insurance and bit currency related of insurance business or will bit currency into insurance responsibility range, shall not be directly or indirect for customer provides other and bit currency related of service , include: for customer provides bit currency registered, and trading, and liquidation, and settlement, service; accept bit currency or to bit currency as paid settlement tools ; Bitcoin with renminbi and foreign currency exchange service; coins stored, managed, and mortgage business; issued coins-related financial products, coins as investment trusts, mutual funds and other investment targets, and so on.
Stipulated in the notification, as coins of the bitcoin main trading platform website should be in accordance with the People's Republic of China Telecom Regulation and the provisions of the administrative measures on Internet information services, telecommunications regulatory filings in accordance with law. At the same time, coins with higher risk and the risk of being used by criminals for money-laundering, related to the notice requirements in accordance with the People's Republic of China anti-money laundering Act requires to effectively fulfill customer identification, suspicious transactions reports and other statutory obligations against money-laundering, effective prevention of money laundering risks associated with coins.
To avoid due to bit coin, virtual merchandise take "virtual currency" of name excessive hype, damage public interests and Yuan of statutory currency status, notification under requires financial institutions, and paid institutions in daily in the should correctly using currency concept, focused on strengthened on social public currency knowledge of education, will correctly awareness currency, and correctly regarded virtual merchandise and virtual currency, and rational investment, and reasonable control investment risk, and maintenance itself property security, concept into financial knowledge universal activities of content, Public establish a correct conception of currency and investment ideas.
In future, the people's Bank would be based on their responsibilities and continue to pay close attention to trends and risks associated with bitcoin.
Annex:
Rules of the Ministry of industry and information technology, the China Banking Regulatory Commission
China Securities Regulatory Commission, the China insurance regulatory Commission
Against the risk of the bitcoin notifications
Recently, a calculated by specific computer programs called "coins" (Bitcoin) has aroused widespread concern in the international arena, some domestic institutions and individuals the opportunity to hype coins and coins-related products. In order to protect public interests in property, guarantees the legal tender status of the Yuan, anti-money-laundering risks and maintain financial stability, under the People's Republic of China people's Bank of China law, the People's Republic of China anti-money-laundering Act, the People's Republic of China commercial bank law, the People's Republic of China Telecom regulations and other relevant laws and regulations, the relevant notice is as follows:
A correct understanding of bitcoins properties
Bitcoin has not focused publishers, limited total anonymity, without geographical restrictions, and four main features. Although coins were 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, coins ought to be a certain type of virtual goods, does not have the cash equivalent legal status cannot and should not be used as currency in circulation.
Second, financial institutions and payment institutions shall not conduct the bitcoin-related business
At this stage, the financial institutions and paid institutions shall not to bit coin for products or service pricing, shall not sale or as central opponents sale bit coin, shall not bearing insurance and bit coin related of insurance business or will bit coin into insurance responsibility range, shall not directly or indirect for customer provides other and bit coin related of service, including: for customer provides bit coin registration, and trading, and liquidation, and settlement, service; accept bit coin or to bit coin as paid settlement tool; carried out bit coin and Yuan and the foreign currency of Exchange service ; Coins stored, managed, and mortgage business; issued coins-related financial products, coins as investment trusts, mutual funds and other investment targets, and so on.
Third, strengthen the management of bitcoins website
According to the People's Republic of China Telecom Regulation and of the Internet information services management, bitcoin provided registration, transaction services, such as Internet sites should be in Telecom Administration Department for record.
Telecommunications regulators based on management's identification and punishment according to law on illegal bitcoin Internet station to be closed down.
IV risk of preventing possible money-laundering of the bitcoin
PBC branches should pay close attention to coins and other similar anonymity, transborder flow of convenience features such as virtual goods movements and posture, look carefully into the money laundering risks and to develop targeted preventive measures. Branches should be registered in the jurisdiction established by law and to provide coins, trading and other services providers included in the anti-money laundering supervision, urged its strengthening anti-money-laundering surveillance.
Bitcoin provided services such as registration, trading Internet site should meet their anti-money laundering obligations, to identify the user, requires users to register with real names, registration name, identity card number and other information. The financial institutions, and paid institutions and provides bit coin registration, and trading, service of Internet station as found and bit coin and the other virtual merchandise related of suspicious trading, should immediately to China anti-money-laundering monitoring analysis Center report, and tie rules of the of anti-money-laundering investigation activities; for found using bit coin for fraud, and gambling, and money-laundering, crime activities clues of, should timely to police organ reported.
Five monetary knowledge, strengthening public education and investment risk
Departments and financial institutions, payment institutions should use monetary concepts in their daily work, focuses on strengthening the education of public monetary knowledge, will correctly understand the currency, virtual goods and virtual currency in perspective, rational, reasonable control on investment, such as investment risks, protect their property perspective into the content of financial literacy activities, guiding public establish a correct conception of currency and investment ideas.
Notification can be made under the various financial regulatory bodies develop the implementation details.
People's Bank of China head office in Shanghai, branch, Department of business management, capital (capital) City Centre branch will forward this notification to local financial institutions and businesses in the area. This notice found during implementation of new situations and new problems, please do not hesitate to report to the people's Bank of China.
People's Bank of China
Ministry of industry and information technology
The China Banking Regulatory Commission
SFC
The China insurance regulatory Commission
On December 3, 2013
五部委联合发布防范比特币风险通知 - 比特币,Bitcoin - IT资讯五部委联合发布防范比特币风险通知
为保护社会公众的财产权益，保障人民币的法定货币地位，防范洗钱风险，维护金融稳定，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日前联合印发了《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》”）。
《通知》明确了比特币的性质，认为比特币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。但是，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。
《通知》要求，现阶段，各金融机构和支付机构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，不得直接或间接为客户提供其他与比特币相关的服务，包括：为客户提供比特币登记、交易、清算、结算等服务；接受比特币或以比特币作为支付结算工具；开展比特币与人民币及外币的兑换服务；开展比特币的储存、托管、抵押等业务；发行与比特币相关的金融产品；将比特币作为信托、基金等投资的投资标的等。
《通知》规定，作为比特币主要交易平台的比特币互联网站，应当根据《中华人民共和国电信条例》和《互联网信息服务管理办法》的规定，依法在电信管理机构备案。同时，针对比特币具有较高的洗钱风险和被犯罪分子利用的风险，《通知》要求相关机构按照《中华人民共和国反洗钱法》的要求，切实履行客户身份识别、可疑交易报告等法定反洗钱义务，切实防范与比特币相关的洗钱风险。
为了避免因比特币等虚拟商品借“虚拟货币”之名过度炒作，损害公众利益和人民币的法定货币地位，《通知》要求金融机构、支付机构在日常工作中应当正确使用货币概念，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，引导公众树立正确的货币观念和投资理念。
今后，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。
附件：
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
近期，一种通过特定计算机程序计算出来的所谓“比特币”（Bitcoin）在国际上引起了广泛关注，国内也有一些机构和个人借机炒作比特币及与比特币相关的产品。为保护社会公众的财产权益，保障人民币的法定货币地位，防范洗钱风险，维护金融稳定，依据《中华人民共和国中国人民银行法》、《中华人民共和国反洗钱法》、《中华人民共和国商业银行法》、《中华人民共和国电信条例》等有关法律法规，现将有关事项通知如下：
一、正确认识比特币的属性
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。虽然比特币被称为“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，比特币应当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。
二、各金融机构和支付机构不得开展与比特币相关的业务
现阶段，各金融机构和支付机构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，不得直接或间接为客户提供其他与比特币相关的服务，包括：为客户提供比特币登记、交易、清算、结算等服务；接受比特币或以比特币作为支付结算工具；开展比特币与人民币及外币的兑换服务；开展比特币的储存、托管、抵押等业务；发行与比特币相关的金融产品；将比特币作为信托、基金等投资的投资标的等。
三、加强对比特币互联网站的管理
依据《中华人民共和国电信条例》和《互联网信息服务管理办法》，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。
电信管理机构根据相关管理部门的认定和处罚意见，依法对违法比特币互联网站予以关闭。
四、防范比特币可能产生的洗钱风险
中国人民银行各分支机构应当密切关注比特币及其他类似的具有匿名、跨境流通便利等特征的虚拟商品的动向及态势，认真研判洗钱风险，研究制定有针对性的防范措施。各分支机构应当将在辖区内依法设立并提供比特币登记、交易等服务的机构纳入反洗钱监管，督促其加强反洗钱监测。
提供比特币登记、交易等服务的互联网站应切实履行反洗钱义务，对用户身份进行识别，要求用户使用实名注册，登记姓名、身份证号码等信息。各金融机构、支付机构以及提供比特币登记、交易等服务的互联网站如发现与比特币及其他虚拟商品相关的可疑交易，应当立即向中国反洗钱监测分析中心报告，并配合中国人民银行的反洗钱调查活动；对于发现使用比特币进行诈骗、赌博、洗钱等犯罪活动线索的，应及时向公安机关报案。
五、加强对社会公众货币知识的教育及投资风险提示
各部门和金融机构、支付机构在日常工作中应当正确使用货币概念，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。
各金融监管机构可以根据本通知制定相关实施细则。
请中国人民银行上海总部，各分行、营业管理部、省会（首府）城市中心支行将本通知转发至辖区内各地方性金融机构和支付机构。本通知执行过程中发现的新情况、新问题，请及时向中国人民银行报告。
中国人民银行
工业和信息化部
银监会
证监会
保监会
2013年12月3日
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