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区块链国际资讯监管与政策

德克萨斯州计划将AML/KYC制度用于虚拟资产监管

根据最近公布的国会记录,德州议员Roger Williams最近倡议将反洗钱(AML)和“了解你的客户”(KYC)制度用于虚拟资产监管,以抑制恐怖分子和犯罪行为造成伤害。

7月8日,众议院召开主题为“虚拟资产:对金融创新和国家安全的影响”的听证会,会上议员Williams提出这一倡议。Williams首先对虚拟资产的潜力表示认可,他指出:“这个新的金融平台正在重建国际金融的结构,在未来将提供许多令人兴奋的发展机遇。”

随后,Williams提到如何确保虚拟资产及其在美国境内使用不会造成伤害。因此,如果不能制定“理性且平衡”的政策以制止恐怖分子和罪犯使用虚拟资产,这种新技术可能会造成不利影响。

这位德州议员特别关注到,AML/KYC制度尚未被用于虚拟资产管理,而其他金融机构都被要求遵守这一规定。议员补充说:“缺少规章制度可能会使“邪恶的力量”为其可怕行径进行融资。”

“虚拟资产领域的一些人认为,数字金融需要放宽这些标准。这是绝对不正确的。”

不过,Williams呼吁,这些规定是为了保护无辜的公民免受不良行为者的伤害,而不是损害市场自由或经济发展机遇。Williams最后总结了他的观点,鼓励国会进一步研究虚拟资产,同时关注AML/KYC制度的应用。他说:

“……我希望,在接下来的几个星期里,我们的重点将是解决AML/KYC制度的应用问题,重点关注那些拒绝提供这种保障的虚拟资产,审查并支持那些遵守规定的资产。”

据CCN报道,2016年欧洲刑警组织报告指出,没有证据表明恐怖分子在使用比特币。此外,欧盟委员会向欧洲议会和理事会提交的一份报告指出,尽管的确存在一些尝试,但虚拟资产用于资助恐怖主义的风险属于“中等重要”。

上述报告是在暗示,现在恐怖分子和罪犯还不够聪明,无法正确使用虚拟资产的优势。不过,他们还补充说,缺少法规导致了虚拟资产被滥用的风险。

这些报告的结论是,实施适当的反洗钱(AML)和反恐融资(CTF)法律框架将有助于缓解这一风险。事实上,欧盟委员会和国会议员Roger Williams都是在同一层面上呼吁制定法规和AML/KYC制度,以抑制罪犯等使用虚拟资产来资助他们的活动,尽管目前他们对虚拟资产显然没有兴趣。

不过,著名的比特币倡导者Andreas Antonopoulos先前指出,我们生活在一个犯罪分子使用技术的世界,我们很难通过禁止或控制来阻止他们这样做。

According to a recently published congressional record, Texas Congressman Roger Williams recently called for Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations to be applied to digital currencies in order to help deter those who wish to do harm, namely terrorists and criminals.

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The comments come as an accompaniment to a July 8 hearing in the House of Representatives, titled “Virtual Currency: Financial Innovation and National Security Implications”, and in them, Congressman Williams starts by acknowledging the potential of digital currencies, stating:

This new financial platform is recreating the structures of international finance, and in part offers many exciting opportunities for our future.

Williams then goes on to talk about how digital currencies and their use within the U.S. territory shouldn’t help those who wish to do harm. Therefore, unless “rational and balanced” policies are developed to stop terrorists and criminals from using them, bad actors may be enabled by this new technology, the record reads.

The Texas Congressman particularly focuses on AML/KYC compliance demanded from other financial institutions that digital currencies aren’t yet compliant with. The lack of compliance may then allow the “forces of evil to finance their terrible endeavors.” The Congressman added:

Nevertheless, Williams calls for these regulations to protect innocent citizens against bad actors, without harming freedoms or economic opportunities. Summing up his argument, Williams encouraged Congress to further study digital currencies, while focusing on AML/KYC compliance. He stated:

…I am hopeful that, in the coming weeks, our focus will attend to the issue of AML/KYC compliance, highlighting those currencies that refuse to provide this safeguard, and examining and encouraging those who do.

Criminals Rarely Use Digital Currencies

As reported by CCN, a 2016 Europol report found that there was no evidence of terrorists using bitcoin. Moreover, a report from the European Commission to the European Parliament and Council found that the risk of digital currencies being used to finance terrorism is “moderately significant”, even though cases in which this was attempted have been reported.

The above-mentioned reports notably imply that, right now, terrorists and criminals aren’t smart enough to properly use digital currencies to their advantage. Nevertheless, they do add that the lack of regulations pose a threat of them being misused.

Nonetheless, as notable bitcoin advocate Andreas Antonopoulos previously pointed out, we live in a world where criminals use technology, and it cannot be banned or controlled to stop them from doing so.


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