虚拟币价格“破圈”，三部门联合发布防风险公告

原标题：虚拟币价格暴动“破圈”，三部门强调金融机构不得开展相关业务

Original title: Virtual Currency Price Riot “Break” with three sectors emphasizing that financial institutions should not conduct related operations

新京报贝壳财经讯（记者程维妙潘亦纯）近期以“狗狗币”为代表的虚拟货币价格大幅波动，也引来监管关注。5月18日，中互金协会、银行业协会、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，强调金融机构、支付机构等会员单位不得开展与虚拟货币相关的业务。

On May 18, the China-China Mutual Gold Association, the Banking Association, and the Payments Clearing Society jointly issued a bulletin on protection against the risk of making virtual currency transactions, emphasizing that financial institutions, payment agencies, etc., are not allowed to carry out business related to virtual currency.

“虚拟货币不由货币当局发行，不具有法偿性与强制性等货币属性，不是真正的货币。”公告指出，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 virtual currency is not issued by the monetary authority, has no legal and compulsory monetary attributes and is not a real currency.” The bulletin states that member units such as financial institutions, payment agencies, etc. may not use virtual currency for the pricing of products and services, may not cover insurance operations related to virtual currency or include virtual currency in insurance liability, or may not directly or indirectly provide other services related to virtual currency to customers.

事实上，我国2017年就明确取缔虚拟货币，为何在此时点再度声明？“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。”三部门在公告中称。

In fact, in 2017, when the virtual currency was explicitly banned, why do we once again state at this point? “In the recent past, virtual currency prices have soared and fell, virtual currency transactions have rebounded, seriously undermining the security of people's property and disrupting the normal economic and financial order.” The three departments stated in the bulletin.

新京报贝壳财经5月14日曾报道，今年价格大涨的狗狗币“圈了一大波粉”，有的币圈大V粉丝已挤满4个免费群，新建的免费群也已有100多人“追随”。不少大V表面分享各大主流币、山寨币行情，实为付费推荐潜力币，年费从几百元到万元不等。

The New Kyoto newspaper Shell has reported on May 14 that this year's hugely priced dog coins have been “coloured with a wave of powder”, that some of the big V fans have been crowded with four free groups, and that more than 100 people have been “followed” by the new ones. Many of the big Vs share large mainstream coins, mountain coins, and actually recommend potential currency for payment, with annual fees ranging from hundreds to tens of thousands.

而被业内称为“带货王”、“币圈教主”的特斯拉CEO马斯克，也被质疑涉嫌市场操纵。今年2月，马斯克宣布接受比特币购买特斯拉，同月还透露已给自己的孩子买了一些狗狗币。之后比特币、狗狗币都应声上涨，其中比特币3月上探至历史新高。但近期马斯克突然翻脸称“特斯拉已叫停用比特币购车”，并在公开节目中承认“狗狗币是一场骗局”。受此影响，比特币和狗狗币在内的大多数虚拟货币快速下挫。

In February this year, Musk announced that he would accept Bitcoin for Tesla, and revealed that he had bought some dog coins for his children. After that, both bitcoins and puppies should rise, with bitcoins coming up to historical heights in March.

“虚拟货币无真实价值支撑，价格极易被操纵。”三部门在最新公告中提示，消费者要提高风险防范意识，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。

“The virtual currency is not supported by real values and prices are highly susceptible to manipulation.” In the latest bulletin, the three departments have suggested that consumers need to be more aware of risk prevention. According to our current judicial practice, contracts for virtual currency transactions are not protected by law, and the consequences and losses arising from investment transactions are borne by the parties themselves.

此外，虚拟货币近年也因成为洗钱“新通道”而遭到打击。今年3月，最高检联合央行发布惩治洗钱犯罪典型案例，其中一例即利用虚拟货币洗钱。该案中，陈某波卖“假理财”“假虚拟币”集资诈骗1200余万元，并教唆妻子利用比特币“洗白”涉案款。最终陈某波被判处有期徒刑二年，并处罚金20万元。

In March of this year, the U.S. Attorney-General’s Central Bank issued a typical case of money-laundering, one of which is money-laundering. In this case, Chen was sentenced to two years’ imprisonment and a fine of $200,000 for collecting funds for the sale of “false money” – a “false virtual currency” – for the fraud of more than 12 million dollars and for abetting his wife’s use of Bitcoin.

三部门公告要求，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。记者注意到，2014年就有不少银行声明禁止交易比特币。本月初，中信银行公告称，为保护社会公众的财产权益，防范洗钱风险，即日起任何机构和个人不得将该行账户用于比特币、莱特币等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，一经发现，该行有权采取暂停相关账户交易、注销相关账户等措施。

At the beginning of this month, the Bank announced that, in order to protect the property rights and interests of the public and to protect against the risk of money-laundering, no institution or individual should use the bank account for activities such as the replenishment of funds in transactions such as Bitcoin, Lightcoin, etc. and for the withdrawal, purchase and sale of transactions related to them.

新京报贝壳财经记者程维妙潘亦纯编辑岳彩周校对杨许丽

The New King newspaper, Shenzhen's financial reporter, Mya Pan, is also the editor of the Queen's Colour Week for Yang Shelley.