导读：工行、农行、建行、邮储、兴业和支付宝表态，加强涉虚拟货币交易监测力度，一经发现将销户。
Guide: > > , to state the position of industrial, agricultural, construction, postal, booming and payment treasures and to strengthen monitoring of virtual currency transactions. > .
新一轮监管风暴来临。
A new round of regulatory storms is coming.
6月21日下午，央行发布消息称，近日就虚拟货币交易炒作问题约谈部分银行和支付机构，包括工商银行(5.150,-0.03,-0.58%)、农业银行(3.030,-0.02,-0.66%)、建设银行(6.650,-0.03,-0.45%)、邮储银行(5.060,-0.10,-1.94%)、兴业银行(19.890,-0.27,-1.34%)和支付宝（中国）网络技术有限公司等部分银行和支付机构。
On the afternoon of 21 June, the Central Bank issued news that some banks and payment agencies had recently been interviewed in connection with virtual currency transactions, including business and industry banks (5.150,-0.03,-0.58 per cent), agricultural banks (3.030,-0.02,-0.66 per cent), construction banks (6.65,-0.03,-0.45 per cent), postal banks (5.060,-0.10,-1.94 per cent), boom banks (19.890,-0.27,-1.34 per cent) and payment treasures (China) Internet Technology Ltd.
约谈一出，六家机构纷纷发公告表态，严格禁止任何机构和个人利用机构服务进行虚拟货币交易，坚决不开展、不参与任何与虚拟货币相关的业务活动。与此同时，机构将持续加强排查监测力度，一经发现相关行为，将立即采取暂停账户交易、终止金融服务等措施，并及时报告有关部门。
As a result of the interviews, six institutions have issued circulars that strictly prohibit any institution or individual from using its services for virtual currency transactions and strongly refrain from conducting or participating in any business related to virtual currency. At the same time, the institution will continue to strengthen its surveillance efforts and, once identified, will immediately take measures such as suspension of account transactions, termination of financial services, and timely reporting to the relevant authorities.
2021年以来，比特币价格依然是暴涨暴跌的一贯作风，今年两度冲上6万美元后几经波动跌至3万美元上方。一众虚拟货币也随之大起大落，虚拟货币交易炒作活动似有反弹的迹象。央行有关部门指出，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。
Since 2021, bitcoin prices have remained a pattern of sharp increases and drops, with two-degree surges of $60,000 this year and a few fluctuations over $30,000. A virtual currency has also stagnated, and the campaign of virtual currency transactions seems to have rebounded.
盘面上，比特币一度跌破32000美元/枚，日内跌约10%。24小时内，有超16万人爆仓了63亿。
On the plate, Bitcoin fell by $32,000 a day, about 10%. In 24 hours, more than 160,000 people exploded by 6.3 billion.
就虚拟货币交易炒作问题
on virtual currency transactions
央行约谈工行、农行、支付宝等
Central Bank interview industry, agriculture, payment of treasures, etc.
据了解，人民银行再次强调，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。
It is understood that the People's Bank once again stresses the need for banks and payment agencies to strictly implement regulatory provisions such as the Notice on Protection against Bitcoin Risk, the Proclamation on Protection against the Risk of Financing the Issue of Currency, and to fulfil effectively their customer identification obligations, and not to provide related activities with products or services such as accounts opening, registration, transactions, liquidation, settlement, etc.
同时，央行要求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。
At the same time, the Central Bank requires institutions to conduct comprehensive checks to identify the funds accounts of the Virtual Currency Exchange and off-site traders and to cut off the transactional funds payment chain in a timely manner; to analyse the characteristics of the financial transactions in which the virtual currency transactions are being carried out, to increase technical inputs, to improve the models for monitoring unusual transactions and to improve the detection capabilities for monitoring them; and to improve internal working mechanisms, to clarify the division of labour, to impose responsibilities and to guarantee that the relevant monitoring and disposal measures are in place.
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。此次约谈的机构有工商银行、农业银行、建设银行、邮储银行、兴业银行和支付宝（中国）网络技术有限公司等部分银行和支付机构。
The participating institutions indicated that they would attach great importance to this work and, in accordance with the relevant requirements of the People's Bank, refrain from carrying out or participating in business activities related to virtual currency, further intensify their scrutiny and disposal efforts, and take strict measures to resolutely cut off the payment chain of funds for virtual currency transactions. The institutions interviewed included some banks and payment agencies such as the Business Bank, the Agricultural Bank, the Construction Bank, the Postal Bank, the Employing Bank and the Payment of Treasures (China) Network Technology Ltd.
各大银行机构纷纷回应
All the major banking institutions have responded.
五家银行和支付宝在公告中重申，任何机构和个人不得利用银行和支付机构服务进行代币发行融资和“虚拟货币”交易，坚决不开展、不参与任何与虚拟货币相关的业务活动。
In the bulletin, the five banks and payment treasures reaffirmed that no institution or individual should use the services of banks and payment agencies for the financing of currency issuance and & & & & & & & & & & & & & & & trading, and strongly refrain from conducting or participating in any business related to the virtual currency.
同时，五家银行和支付宝纷纷表态将加强对虚拟货币交易等相关活动的监测力度，部分机构还提出了具体的监测方式。
At the same time, five banks and payment bonds have expressed the view that monitoring of related activities, such as virtual currency transactions, will be strengthened and specific monitoring modalities have been proposed by some agencies.
具体来看：
工商银行
其中，工商银行表示，按照近日人民银行有关部门约谈指导要求，我行重申，任何机构和个人不得利用我行账户、产品、服务、渠道进行代币发行融资和“虚拟货币”交易。邮储银行称，按照近日中国人民银行有关部门约谈指导要求，任何机构和个人不得利用我行账户、产品、服务、渠道进行代币发行融资和“虚拟货币”交易。
Among them, the Bank of Commerce and Industry stated that, in accordance with the recent interview guidance requirements of the relevant departments of the People's Bank, we reiterated that no institution or individual should use my bank accounts, products, services, channels for the financing of currency issuance and “ virtual currency & & rdquo; transactions. The Bank stated that, in accordance with the recent interview guidance requirements of the relevant departments of the People's Bank of China, no institution or individual should use my bank accounts, products, services, channels for the financing of money issuance and & & ldquo; virtual currency & & rdquo; transactions.
农业银行
农业银行公告指出，将持续开展对虚拟货币交易的打击治理行动。坚决不开展、不参与任何与虚拟货币相关的业务活动，禁止涉及虚拟货币交易客户准入。农业银行将严格落实国家有关监管要求，恪守行业自律承诺，坚决打击虚拟货币相关业务活动，任何机构及个人不得使用我行账户、产品、服务等进行代币发行融资以及虚拟货币交易。
Agricultural banks will strictly enforce national regulatory requirements, comply with industry self-regulation commitments, and resolutely combat virtual currency-related operations, and no institution or individual will be allowed to use my own accounts, products, services, etc. for the financing of currency issuance and virtual currency transactions.
建设银行
建设银行表示，建设银行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，坚决不为虚拟货币提供账户开立、登记、交易、清算、结算等任何金融产品和服务。同时，任何机构和个人不得将在建设银行开立的账户用于虚拟货币的交易资金充值以及提现、购买或销售相关交易充值码等活动，不得通过在我行开立的账户划转与虚拟货币交易相关的资金。
Building banks have stated that building banks strictly implement the relevant national regulatory requirements, adhere to industry self-regulation commitments, resolutely refrain from carrying out and participating in any business related to virtual currency, and are determined not to provide any financial products and services such as opening accounts, registering, trading, clearing, clearing, etc., for virtual currency. At the same time, no institution or individual may transfer funds related to virtual currency transactions through the opening of an account with a bank for the purpose of financing transactions in virtual currency, and for the purpose of cashing out, buying or selling transactions related to them, or transferring funds related to virtual currency transactions through the opening of an account with me.
邮储银行
Postal Bank
邮政储蓄银行也在公告中强调，任何机构和个人不得利用我行账户、产品、服务、渠道进行代币发行融资和“虚拟货币”交易。
The Postal Savings Bank also emphasized in its bulletin that no institution or individual should use my bank accounts, products, services, channels for the financing of currency distribution and & ldquo; virtual currency & rdquo; transactions.
兴业银行
兴业银行公告表示，将坚决落实监管部门要求，禁止直接或间接为客户提供与虚拟货币相关的服务。任何机构与个人不得将在我行开立的账户用于虚拟货币的交易资金充值及提现、购买及销售相关交易充值码等活动，不得通过我行账户划转相关交易资金。
The Bank of Enghing announcement states that it will firmly implement regulatory requirements to prohibit the direct or indirect provision of services related to virtual currency to clients.
支付宝表示，坚决不开展、不参与任何与虚拟货币相关的业务活动，不提供任何辅助性技术服务和能力。将严格落实国家有关监管要求，恪守行业自律承诺，坚决配合打击虚拟货币的相关业务活动，防范交易炒作风险。
The payment bond states that it is determined not to engage in, or participate in, any operations related to virtual money, nor to provide any supporting technical services and capabilities.
不是真正的货币，虚拟货币无真实价值支撑
is not a real currency. Virtual currency has no real value.
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.
中国互联网金融协会、中国银行(3.070,0.01,0.33%)业协会、中国支付清算协会联合发布的《关于防范虚拟货币交易炒作风险的公告》（以下简称三协会《公告》）指出，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。
According to the communiqué issued jointly by the Internet Finance Association of China, the Bank of China (3.070, 0.010,33%) and the China Payment Settlement Association (hereinafter referred to as the Third Association Proclamation), virtual currency is not supported by real value, prices are easily manipulated, and there are multiple risks associated with speculative transactions, such as false asset risk, risk of failure to operate, and risk of investment speculation. According to our current judicial practice, virtual currency exchange contracts are not protected by law, and the consequences of investment transactions and the resulting losses are borne by the parties themselves.
比特币等加密货币的价格波动性从前一段时间的表现就可窥见，数万人一夜之间爆仓。
Price volatility in encrypted currencies, such as bitcoins, has been visible for some time, with tens of thousands of people banging overnight.
今年3月中旬比特币首度突破6万美元后回落5万美元左右后，4月中旬再度冲上6万美元高点，5月中下旬大幅跌落至3.7万美元左右。最刺激的当属5月18日、19日，比特币冲刺到4万美元关口后一路下跌，24小时内跌幅一度达30%。
After falling around $50,000 in mid-March, when Bitcoin first broke out of $60,000, it hit another $60,000 high in mid-April, falling sharply to around $370 million in mid-May. The most exciting thing was that, on 18 and 19 May, Bitcoin fell all the way to the 40,000-dollar gate, a drop of 30% in a 24-hour period.
与此同时，美国最大的数字加密货币交易所Coinbase19日出现宕机，另一家交易平台“币安”（Binance）19日上午宣布，将暂停一些加密数字货币提现。受此影响，不少用户错失交易机会。虽然比特币等加密货币价格随后有所反弹，但仍有超过50万人在这期间爆仓。
Meanwhile, Coinbase, the largest digitally encrypted currency exchange in the United States, appeared on 19th, and another trading platform & ldquo; currency & rdquo; (Binance) announced in the morning that it would suspend some of the encrypted digital money withdrawals. A number of users missed trading opportunities as a result.
此次，五家银行和支付宝也对虚拟货币进行了风险提示。
This time, five banks and payment treasures also provided exposures to virtual currency.
支付宝表示，比特币等虚拟货币和金融产品有本质区别，没有实际价值支撑，同时也没有主权信用和商业信用，价格很容易被操纵，出现暴涨暴跌，从而严重侵害消费者财产安全，扰乱经济金融正常秩序。同时提醒商家和用户高度警惕虚拟货币相关业务活动的风险，提高风险防范意识和识别能力，谨防上当受骗。
Payments treasures indicate that virtual money and financial products such as Bitcoins are fundamentally different, not supported by real value, but also without sovereign and commercial credit, easily manipulated and subject to sharp price booms and falls, thereby seriously undermining consumer property security and disrupting economic and financial order. Meanwhile, traders and users are reminded of the risks associated with virtual currency-related operations, raising awareness of risk prevention and recognition capabilities, and protecting themselves from fraud.
对此，工商银行、农业银行、邮储银行表示，社会公众应高度警惕代币发行融资与“虚拟货币”交易风险，提高风险防范意识和识别能力，谨防上当受骗。若发现上述有关行为，可向该行举报。建设银行提示，“请广大客户增强风险意识，珍惜个人银行账户，不用于虚拟货币相关资金交易，不参与虚拟货币交易炒作活动，谨防自身财产及权益受损。”
In this regard, the Bank of Commerce and Industry, the Agricultural Bank and the Postal Bank state that the public should be very vigilant about the issue of funds and “ the virtual currency & & rdquo; the risk of transactions, raising awareness and awareness of risk prevention, and preventing fraud. If the above-mentioned actions are detected, they can be reported to the Bank. Build Bank Alert, “ ask a wide range of customers to raise awareness of the risks and value personal bank accounts, not for virtual money-related transactions, not to participate in virtual currency transactions, and to protect themselves from damage to property and interests. & rdquao;
监管重拳不断
值得注意的是，此前，监管部门已下发过多份关于防范虚拟货币风险的文件。
It is worth noting that prior to that time, the regulatory authorities had issued too many documents on protection against virtual currency risks.
2013年12月，央行等五部委《关于防范比特币风险的通知》就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。
In December 2013, the Central Bank and five other ministries, the Notice on Protection against Bitcoin Risk, clarified the nature of bitcoin, arguing that bitcoin was not issued by the monetary authorities, had no monetary attributes such as compensation and mandatory, and was not a currency in the real sense.
实际上早在2017年，监管部门就明令禁止国内金融机构和非银行支付机构不得开展与虚拟货币相关的业务。当年9月，中国央行、中央网信办、工业和信息化部、工商总局、原银监会、证监会、原保监会联合发布《关于防范代币发行融资风险的公告》，叫停ICO（首次代币发行），并要求任何所谓的代币融资交易平台不得从事法定货币与代币、“虚拟货币”相互之间的兑换业务，不得买卖或作为中央对手方买卖代币或“虚拟货币”，不得为代币或“虚拟货币”提供定价、信息中介等服务。
In September of that year, the Central Bank of China, the Central Networked Information Agency, the Ministry of Industry and Informatics, the Directorate-General of Commerce and Industry, the former Banking Supervisory Board, the Securities Commission, and the former Insurance Commission jointly issued a bulletin on protection against the risk of financing the issuance of tokens, calling for the suspension of the ICO (first issue of tokens) and requiring that any so-called money-for-money financing platform should not engage in legal currency and currency, &ldquao; virtual currency & & rdquao; exchange operations between them, not buying, selling or selling tokens or & & & ldquao as a central counterpart; virtual currency & & & & & & ldquao; virtual currency & & & edquao; provision of services such as pricing, information intermediaries.
中国互联网金融协会紧随其后发布的《关于防范比特币等所谓“虚拟货币”风险的提示》表示，不法分子也往往利用交易平台获取所谓“虚拟货币”以从事相关非法活动，存在较大的法律风险，近期大量交易平台因支持代币发行融资活动(ICO)已被监管部门叫停。各类所谓“币”的交易平台在我国并无合法设立的依据。
The Chinese Internet Finance Association (CIFA) immediately followed up on its publication “On Protection against so-called & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & &, & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & ) & & & & & & & & & & & & & & & & & & & ) & & & & & & & & & & & & & & & & & ) & & & & & & ) & & & & & & & & & & & & ) & & & & & & & & & & )
今年5月18日，三协会《公告》明确要求，有关机构不得开展与虚拟货币相关的业务。除禁止付清算、虚拟货币兑换、存储外，还不得发行相关产品、提供经营场所、营销导流等。可以称得上是“全链条式切断”虚拟货币在中国开展业务的可能。
On May 18 this year, the three associations’ bulletin explicitly requested that the institutions concerned should not conduct business related to virtual currency. In addition to prohibiting settlement of payments, virtual currency exchange, storage, distribution of products, provision of a place to operate, marketing and the like.
三协会《公告》要求，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。
The III Association's Bulletin requires that business members of Internet platforms should not provide services such as web-sites, business displays, marketing promotions, fee streaming, etc. for virtual currency-related operations, that relevant leads should be reported to the relevant authorities in a timely manner, and that technical support and assistance in related investigations and investigations should be provided.
三协会表示，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。
The three associations say that consumers at large need to be more risk-aware, develop a sound investment concept, do not engage in virtual currency trading campaigns, and guard against the erosion of personal property and interests.
来源：21世纪经济报道 | 撰稿：边万莉 | 责编：李斌 审核：张渊
新闻投稿：184042016@qq.com 新闻热线：13157110107
来源：21世纪经济报道 | 撰稿：边万莉 | 责编：李斌 审核：张渊
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