近期，币圈的火爆程度让人瞠目结舌，在引发市场争议的同时，也引起监管关注。
In the recent past, the intensity of the currency ring has been alarming and has given rise to market disputes, as well as regulatory concerns.
5月18日晚间，中国互联网金融协会、中国银行业协会、中国支付清算协会联合发布关于防范虚拟货币交易炒作风险的公告，公告要求，金融机构、支付机构等会员单位要切实增强社会责任，不得用虚拟货币为产品和服务定价，不得承保与虚拟货币相关的保险业务或将虚拟货币纳入保险责任范围，不得直接或间接为客户提供其他与虚拟货币相关的服务。
On the evening of 18 May, the Chinese Internet Finance Association, the Chinese Banking Association and the Chinese Payments Settlement Association jointly issued a bulletin on protection against exposure to virtual currency transactions, which requires financial institutions and payment agencies, among other members, to effectively promote social responsibility, not to use virtual currency for the pricing of products and services, not to cover insurance operations related to virtual currency or to include virtual currency in insurance liability, and not to provide customers directly or indirectly with other services related to virtual currency.
同时，开展法定货币与虚拟货币兑换及虚拟货币之间的兑换业务、作为中央对手方买卖虚拟货币、为虚拟货币交易提供信息中介和定价服务、代币发行融资以及虚拟货币衍生品交易等相关交易活动，违反有关法律法规，并涉嫌非法集资、非法发行证券、非法发售代币票券等犯罪活动。
At the same time, related transactions, such as exchange operations between legal and virtual currency exchange and virtual currency, buying and selling virtual currency as a central counterparty, providing information intermediaries and pricing services for virtual currency transactions, financing the issuance of money in currencies and trading in virtual money derivatives, are carried out in violation of the relevant laws and regulations and are suspected of criminal activities such as illegal collection of funds, illegal issuance of securities and illegal distribution of currency vouchers.
公告事项分四个部分，分别为正确认识虚拟货币及相关业务活动的本质属性；有关机构不得开展与虚拟货币相关的业务；消费者要提高风险防范意识，谨防财产和权益损失；加强对会员单位的自律管理。
Publicity matters are divided into four parts, each with a proper understanding of the essential properties of the virtual currency and related operations; the institution concerned is not allowed to conduct business related to the virtual currency; the consumer is required to raise awareness of risk prevention and to guard against loss of property and interests; and the self-regulation of its members is strengthened.
全文如下：
reads as follows:
近期，虚拟货币价格暴涨暴跌，虚拟货币交易炒作活动有所反弹，严重侵害人民群众财产安全，扰乱经济金融正常秩序。为进一步贯彻落实中国人民银行等部门发布的《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》等要求，防范虚拟货币交易炒作风险，中国互联网金融协会、中国银行业协会、中国支付清算协会联合就有关事项公告如下：
In order to further implement the requirements of the Notice on Protection against the Risk of Bitcoin, issued by the People's Bank of China and other sectors, such as the Bulletin on Protection against the Risk of Money Issue Financing, and to protect against the risk of exposure to virtual currency transactions, the Chinese Internet Finance Association, the Chinese Banking Association and the China Payment Settlement Association jointly announced the following related matters:
一、正确认识虚拟货币及相关业务活动的本质属性
虚拟货币是一种特定的虚拟商品，不由货币当局发行，不具有法偿性与强制性等货币属性，不是真正的货币，不应且不能作为货币在市场上流通使用。
Virtual currency is a specific virtual commodity that is not issued by a monetary authority, has no monetary attributes, such as legality and compulsoryity, is not a real currency and should not and cannot be used as a currency in the market.
开展法定货币与虚拟货币兑换及虚拟货币之间的兑换业务、作为中央对手方买卖虚拟货币、为虚拟货币交易提供信息中介和定价服务、代币发行融资以及虚拟货币衍生品交易等相关交易活动，违反有关法律法规，并涉嫌非法集资、非法发行证券、非法发售代币票券等犯罪活动。
The conduct of transactions related to the exchange of legal and virtual currency, the buying and selling of virtual currency as a central counterparty, the provision of information intermediaries and pricing services for virtual currency transactions, the financing of currency issuances and the trading of virtual derivatives of currency, are in violation of the relevant laws and regulations and are suspected of criminal activities such as the illegal collection of funds, the illegal issuance of securities and the illegal sale of currency vouchers.
二、有关机构不得开展与虚拟货币相关的业务
II. Institutions should not conduct business related to virtual currency
金融机构、支付机构等会员单位要切实增强社会责任，不得用虚拟货币为产品和服务定价，不得承保与虚拟货币相关的保险业务或将虚拟货币纳入保险责任范围，不得直接或间接为客户提供其他与虚拟货币相关的服务，包括但不限于：为客户提供虚拟货币登记、交易、清算、结算等服务；接受虚拟货币或将虚拟货币作为支付结算工具；开展虚拟货币与人民币及外币的兑换服务；开展虚拟货币的储存、托管、抵押等业务；发行与虚拟货币相关的金融产品；将虚拟货币作为信托、基金等投资的投资标的等。
Member entities such as financial institutions, payment agencies and others, in order to effectively promote social responsibility, do not price products and services in virtual currency, do not cover insurance operations related to virtual currency or include virtual currency in insurance liability, and do not directly or indirectly provide customers with other services related to virtual currency, including, but not limited to: providing clients with services related to virtual currency registration, transactions, liquidation, settlement, etc.; accepting virtual currency or using virtual currency as a payment settlement tool; carrying out exchange services between virtual currency and renminbi and foreign currency; carrying out virtual currency storage, hosting, mortgage, etc.; issuing financial products related to virtual currency; and using virtual currency as an investment object for trust, funds, etc.
金融机构、支付机构等会员单位应切实加强虚拟货币交易资金监测，依托行业自律机制，强化风险信息共享，提高行业风险联防联控水平；发现违法违规线索的，要及时按程序采取限制、暂停或终止相关交易、服务等措施，并向有关部门报告；同时积极运用多渠道、多元化的触达手段，加强客户宣传和警示教育，主动做好涉虚拟货币风险提示。
Member entities such as financial institutions, payment agencies, etc. should effectively strengthen the monitoring of virtual money transactions funds, relying on industry self-regulation mechanisms, enhance risk information sharing and raise the level of industry risk-control; if any leads to violations are detected, measures to limit, suspend or terminate related transactions, services, etc. are taken in a timely and procedural manner and reported to the relevant authorities; at the same time, efforts are made to actively use multiple channels, diversified reach tools, enhance client awareness and alert education, and take the initiative to provide information on virtual currency-related risks.
互联网平台企业会员单位不得为虚拟货币相关业务活动提供网络经营场所、商业展示、营销宣传、付费导流等服务，发现相关问题线索应及时向有关部门报告，并为相关调查、侦查工作提供技术支持和协助。
Business members of the Internet platform are not allowed to provide services for virtual currency-related operations such as web-sites, business displays, marketing campaigns, fee streaming, etc., and relevant leads should be reported to the relevant authorities in a timely manner and technical support and assistance provided for related investigations and investigations should be provided.
三、消费者要提高风险防范意识，谨防财产和权益损失
虚拟货币无真实价值支撑，价格极易被操纵，相关投机交易活动存在虚假资产风险、经营失败风险、投资炒作风险等多重风险。从我国现有司法实践看，虚拟货币交易合同不受法律保护，投资交易造成的后果和引发的损失由相关方自行承担。
Virtual currency is not supported by real values, prices are highly susceptible to manipulation, and there are multiple risks associated with speculative transactions, such as false asset risk, business failure risk, and investment risk. From our current judicial practice, virtual currency-trading contracts are not protected by law, and the consequences and losses of investment transactions are borne by the parties themselves.
广大消费者要增强风险意识，树立正确的投资理念，不参与虚拟货币交易炒作活动，谨防个人财产及权益受损。要珍惜个人银行账户，不用于虚拟货币账户充值和提现、购买和销售相关交易充值码以及划转相关交易资金等活动，防止违法使用和个人信息泄露。
Consumers at large need to be more risk-aware, develop the right concept of investment, refrain from participating in virtual currency transactions, and guard against the erosion of personal property and interests.
四、加强对会员单位的自律管理
各会员单位要严格落实国家有关监管要求，恪守行业自律承诺，坚决不开展、不参与任何与虚拟货币相关的业务活动。三家协会将加强对会员单位的自律监督，发现违反有关监管规定和行业自律管理要求的，将依照相关自律规范对其采取业内通报、暂停会员权利、取消会员资格等处分措施，并向金融管理部门报告，涉嫌违法犯罪的，将有关线索移送公安机关。
The three associations will strengthen their self-regulating supervision of their members and detect violations of their regulatory provisions and industry self-regulating requirements. They will take such disciplinary measures as in-service notification, suspension of membership rights and disqualification from membership, in accordance with the relevant self-regulating regulations, and will report to the financial administration that they are suspected of committing offences against the law and submit relevant leads to the public security authorities.
中国互联网金融协会
China Internet Finance Association
中国银行业协会
China Banking Association
中国支付清算协会
China Association for Settlement of Payments
2021年5月18日
18 May 2021
来源：经济日报-中国经济网
Source: Daily Journal of the Economy - China Economic Network
注册有任何问题请添加 微信：MVIP619 拉你进入群
打开微信扫一扫
添加客服
进入交流群
发表评论