虚拟货币的国际监管:以反洗钱为起点走出自发秩序

虚拟货币诞生已逾十年,其并未对现有法定货币体系造成冲击,因此,主要国家货币当局并未对个人持有并使用虚拟货币进行禁止。同时,由于虚拟货币是否适合普通投资者并没有定论,主要国家证券监管当局也并未正面注册或审批任何一种面向公众投资者发行的虚拟货币或与其挂钩的金融产品。但是,投机、欺诈和严重的洗钱问题促使各国当局不得不以实质性...

Anti-money Laundering Regulation over Virtual Currencies:A Starting Point to Depart from Autonomous Order

Ten years after the birth of virtual currencies(VCs),they still have not introduced significant impact over the fiat currency systems,then the major monetary authorities do not prohibit individuals from holding or using VCs.At the same time,the major securities authorities also do not register or license to the public any virtual currencies or financial products based on VCs,because the investment suitability of VCs is still unclear.However,the authorities must address the serious speculations,frauds and money laundering in a substantial way.Under the promoting and leading of the Financial Action Task Force(FATF),the global society finally reached consensus on anti-money laundering(AML)regulation over VCs in 2019.The new regulatory framework will fundamentally change the autonomy of VCs communities in the world.While the AML rules only cover the regulation over the activities out of blockchain to prevent ML,and the governance of blockchain will be the core issue and biggest challenge for further regulation in the next stage.