记者21日获悉，近日，人民银行有关部门就银行和支付机构为虚拟货币交易炒作提供相关服务问题，约谈了工商银行、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 journalist was informed on 21 June that in recent days, the relevant departments of the People's Bank had interviewed some of the banking and payment institutions, such as business banks, agricultural banks, construction banks, postal banks, boom banks and payment treasures (China) Network Technology Ltd., on the issue of banks and payment institutions providing services related to virtual currency transactions.
人民银行要求，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。
The People's Bank demands that institutions 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; analyse the characteristics of the financial transactions in which the virtual currency transactions are being carried out, increase technical inputs, improve the models for monitoring unusual transactions and effectively improve the detection capabilities for monitoring them; and improve internal working mechanisms, clarify the division of labour, impose responsibilities and ensure that the relevant monitoring and disposal measures are in place.
加强账户和资金监测
金融机构积极响应
人民银行有关部门指出，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。
According to the relevant department of the People's Bank, the economic and financial order is disrupted by the campaigning of virtual currency transactions, which creates a risk of illegal cross-border transfers of assets, money-laundering and other illegal criminal activities, and seriously endangers the security of the people's property.
人民银行要求，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。
The People's Bank demands that banks and payment agencies strictly implement such regulatory provisions as the Notice on Protection against Bitcoin Risk, the Proclamation on Protection against the Risk of Financing the Issue of Currency, and effectively fulfil their customer identification obligations, and refrain from providing related activities with products or services such as accounts opening, registration, transactions, liquidation, settlement, etc.
金融机构积极响应监管要求。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。
Financial institutions have responded positively to regulatory requirements. The participating institutions have indicated that they will attach great importance to this task, in accordance with the relevant requirements of the People’s Bank, by refraining from carrying out or participating in business activities related to virtual currency, by further increasing the level of scrutiny and disposal, and by taking strict measures to firmly cut off the link between the payment of funds for activities for which virtual currency transactions are being carried out.
利用多种汇款渠道
Use multiple remittance channels
资金链条错综复杂
三大协会5月联合公告，已明确禁止金融机构提供相关服务。要求金融机构、支付机构等会员单位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。
The three associations have issued a joint bulletin in May that explicitly prohibits financial institutions from providing services.
在此之前，由于监测技术受限等方面原因，部分金融机构、支付机构存在为比特币等虚拟货币挖矿、交易提供支持等情况。一些虚拟货币场外交易商往往设立多个账户、多种汇款渠道，实现人民币与虚拟币之间的兑换，从而达到规避监管的目的。
Prior to that, some financial institutions, payment agencies, etc., had been involved in mining and providing support for virtual currency, such as bitcoin. Some off-the-shelf traders tended to create multiple accounts, multiple remittance channels, exchange between the renminbi and the virtual currency, thereby circumventing regulation.
根据裁判文书网案例，一位何姓被害人证实，2019年11月下旬，一名陌生女子将被害人拉入群，指导其下载虚拟货币网页后购买虚拟货币。被害人通过银行APP将钱打到平台先后给出的9个银行账户，共计充值48.4万元，后虚拟货币大幅下跌，平台无故关停。
In late November 2019, a strange woman pulled the victim into the group and directed him to download a virtual currency web page and buy a virtual currency. The victim, through the bank's APP, calls the money to nine successive bank accounts issued by the platform, for a total sum of 484,000 yuan, and the virtual currency has fallen and the platform has been shut down for no reason.
与此同时，受到利益诱导，市场上存在出租、出借个人银行账户、支付收款码，提供给场外交易商收款的现象，这使得虚拟货币兑换支付渠道更加隐蔽。
At the same time, the presence in the market of rents, loans to individual bank accounts, payment of collection codes and the provision of receipts to off-site traders, induced by profit incentives, has made virtual currency exchange payment channels even more hidden.
如今，通过银行账户、支付机构为虚拟货币提供汇划款项等被明确禁止。人民银行要求相关机构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。
The People’s Bank requires the relevant institutions not to provide products or services such as accounts opening, registering, trading, clearing, clearing, etc. for related activities.
监管持续高压态势
Regulates continued high stress
比特币再现暴跌行情
{\bord0\shad0\alphaH3D}Recent drops in bitcoin
监管持续提示虚拟货币风险，并明确禁止金融、支付机构参与相关业务。一些金融机构运用金融科技手段，加强对涉虚拟货币交易的账户和资金的监测，及时采取暂停相关账户交易、注销相关账户的措施。
Some financial institutions use financial and technological instruments to strengthen the monitoring of accounts and funds involved in virtual currency transactions and take timely measures to suspend transactions and cancel related accounts.
受到相关消息影响，比特币近日再现暴跌行情。Wind数据显示，自6月14日以来，比特币兑美元累计下跌超过20%，截至记者昨日晚间发稿，比特币兑美元单日下跌幅度超过10%。
According to Wind, since 14 June, Bitcoin has declined cumulatively by more than 20 per cent against the United States dollar and by more than 10 per cent against the United States dollar by the evening of yesterday.
除金融机构加强监测外，各地也逐步清理、关停虚拟货币“挖矿”项目。据报道，四川、新疆、青海、内蒙古等地均下发文件，要求对虚拟货币“挖矿”项目进行整顿，完成相关项目甄别清理关停工作，对从事虚拟“挖矿”的企业全部停产整顿等。
In addition to increased monitoring by financial institutions, the virtual currency “mining” project has been gradually cleaned up and shut down. Documents have reportedly been issued in Sichuan, Xinjiang, Qinghai, Inner Mongolia, etc., calling for the consolidation of the virtual currency “mining” project, the completion of the screening and clearance of related projects, and the complete shutdown of enterprises engaged in the virtual “mining” project.
上市公司乐透互娱20日发布公告称，该公司全资附属公司19日接获电力公司通知称，电力公司自6月19日晚上9时起，停止对该附属公司的供电，并要求该附属公司根据经信局发出的《关于协助做好虚拟货币“挖矿”项目清理关停工作的函》调整其运营计划。
According to a communiqué issued on 20 June by the listed company Lotto Recreation, the company's wholly-owned subsidiary was notified on 19 June by the Electricity Company that it had stopped supplying electricity to the subsidiary from 9 p.m. on 19 June and had requested the subsidiary to adjust its business plan in accordance with the letter sent by the Agency on assistance in the liquidation of the virtual currency “mining” project.
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