数字人民币的发展趋势和合规思考

Author Fonda Law Firm Source Digital Legal Currency Research Institute On April, the State Press and Publication Administration issued the draft of online game management measures for comments, hereinafter referred to as the management measures, in which the regulation that online game currency transactions are bound to real-name registration system digital RMB wallet appeared for the first time. Online game currency transactions should be conducted through real-name registration system digital RMB wallet, and anonymous digital RMB wallet trading services should not be provided to users. Article 62 Online game coins are distributed by online game operators, and online game users use legal tender to directly or indirectly purchase virtual exchange tools that exist outside the game program and are stored in the server in the form of electromagnetic records and expressed in specific digital units. Online game coins trading service refers to the behavior of providing platform services for online game coins trading among users. Online game coins are an integral part of online games and derivative products, and online game coins essentially belong to. Virtual currency in online games is easier to realize illegal exchange of funds through cross-border transactions of online games because of the global universality and specific value of online game currency. Therefore, in recent years, the phenomenon of channel money laundering represented by virtual goods such as online game currency equipment is becoming more and more serious. Cash is the key area of anti-money laundering supervision because of its anonymity. Although in concept, digital RMB can be understood as the digital replacement of RMB cash, digital RMB is available. Blockchain technology can not be tampered with and can be traced back. The whole process can control the flow of funds, which provides a powerful technical means for the government to crack down on and control financial crimes such as money laundering, tax evasion and tax evasion. If the online game currency transaction relies on real-name registration system's digital RMB wallet, the transaction can be traced back to the parties to the transaction and their main information, which can effectively prevent the online game currency trading platform from becoming a fund channel for money laundering and telecom fraud crimes. Due to the support of digital RMB and the real identity of users, Information binding and transaction traceability can become an important tool for the regulatory authorities to supervise the transaction process and monitor the flow of funds. Under the general trend of strengthening anti-money laundering supervision, cracking down on money laundering and telecom fraud, and strengthening the monitoring of cross-border capital flow, the application of digital RMB will eventually be extended to live broadcast platforms, e-commerce platforms and other digital economic fields. Legal support and compliance prospects for digital RMB The revised draft of the People's Bank of China Law of the People's Republic of China issued by the People's Bank of China on May for comments. On the current basis, the draft supplements RMB, including physical form and digital form, which provides a legal basis for the existence and use of digital RMB. At present, many local governments have introduced policies to promote the application and management of digital RMB, and it is expected that other industries will use digital RMB. real-name registration system Digital RMB supports the binding of users' real identity information and the traceability of transactions, which can be used for the effective management of digital economy by regulatory agencies. The compulsory application in the economic field may be an important direction for the regulatory authorities to monitor the capital flow in the future. Therefore, it is necessary for the relevant digital economic entities to deploy the main compliance thinking of anti-money laundering in advance. China's anti-money laundering regulatory mechanism mainly prevents and responds to money laundering risks by requiring financial institutions to fulfill their obligations such as customer due diligence on large transactions and suspicious transaction reports. As mentioned above, cash management has always been the focus of anti-money laundering supervision. From a practical point of view, with the digital RMB, Compared with traditional cash, it is safe, real-name registration system and traceable, which can appropriately reduce the burden of bank anti-money laundering compliance in cash management. At present, due to the limitation of regulatory resources, non-financial digital economy business entities have not been included in the anti-money laundering regulatory system. Considering the potential money laundering risks of these industries and entities, with the promotion of digital RMB, it may be included in the anti-money laundering regulatory system through the connection point of digital RMB. Fraud The anti-telecommunication network fraud law, which was implemented on, sets the obligations for telecom operators and Internet service providers to identify customers' true identity and monitor and report transactions, and its implementation method is very similar to the anti-money laundering obligation. The obligations of the anti-telecommunication network fraud law include telecom operators, banking financial institutions, non-bank payment institutions and Internet service providers. Besides the online games already involved, other regulatory actions against telecommunication network fraud may also be taken in the future. The White Paper on R&D Progress of Cross-border Payment of China Digital Renminbi with Binding real-name registration system Digital Wallet points out that the People's Bank of China will respond to the initiative of international organizations to improve cross-border payment and establish legal digital currency exchange arrangements and regulatory cooperation mechanisms with relevant authorities under the requirement of non-destructive compliance and interoperability. Practice has shown that digital currency can play an active role in improving cross-border payment efficiency and reducing cross-border payment costs. At present, the People's Bank of monetary authority of singapore and China are conducting pilot projects. Many tourists from the two countries use digital RMB for tourism consumption in Singapore and China, and the digital currency Bridge project, a multilateral central bank jointly sponsored by the People's Bank of China, the Hong Kong Monetary Authority of China, the Bank of Thailand and the Central Bank of the United Arab Emirates, has also made positive progress. Because digital RMB can be paid through digital wallets without internet, its advantages will be more obvious in countries or regions with underdeveloped financial infrastructure, which will help to build regional cross-border in economically underdeveloped countries along the Belt and Road. At the same time, in areas where the judicial system is not perfect and the legal agreement implementation environment is weak, China can help some developing countries with relatively dangerous public security to access the digital currency system, thus promoting the cross-border application of digital RMB. Digital RMB has the ability of cross-border payment and the cost is low, which can realize real-time settlement. Compared with the traditional fund payment system with higher cost and lower efficiency, it is expected that digital RMB will gradually promote its application in cross-border payment in a step-by-step manner. This article is an excerpt from Fonda Law Firm. 比特币今日价格行情网_okx交易所app_永续合约_比特币怎么买卖交易_虚拟币交易所平台

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