最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯监管与政策

欧盟将采取加密货币新指令,重点关注反洗钱

全新的互联网金融模式国际资讯监管与政策

欧盟将采取加密货币新指令,重点关注反洗钱

欧盟最近通过了一项专门针对加密货币的新的反洗钱指令。这是欧盟的第五项反洗钱指令,旨在侦查、调查和预防该地区的金融犯罪。

指令的细节

名为“指令(欧盟)2015/849”的指令允许金融情报部门(FIU)访问加密货币钱包信息。这些安全机构将能够根据最新的策略识别加密货币货币地址的所有者。

新指示的主要重点包括:

  1. 更好地理解虚拟货币和预付卡带来的风险。
  2. 改进金融情报机构(FIU)之间的合作
  3. 对源自“高风险的第三国”的交易进行更全面的检查。

新政策的一个关键方面是平衡其目标,在不破坏地区支付生态系统的情况下,阻碍犯罪融资。保加利亚财政部长兼欧洲理事会主席在评论这项新指示时说:

这些新规则对欧洲加强安全的必要性作出了回应,进一步消除恐怖分子可利用的手段。它们将使我们能够在不损害基本权利和经济自由的情况下破坏犯罪网络。

加密货币与洗钱/恐怖资助(ML/TF)

政府反对加密货币的很大一部分原因在于系统的匿名性。世界上许多国家的政府迅速宣布虚拟货币为洗钱和恐怖主义融资(ML/TF)提供了一个可行的渠道。

最近,美国特勤局(U.S. Secret Service)调查办公室(Office of investigation)副助理主任Robert Novy呼吁采取“额外的立法行动”,以应对加密货币带来的危险。北卡罗来纳州的众议员Robert Pittenger甚至将虚拟货币形容为“美国国家安全面临的最大威胁之一”。

然而,像Matt Peyer这样的专家不同意这种说法,他们认为加密货币在恐怖主义融资中被高估了。据Peyer说,虽然虚拟货币交易多少有些匿名,但由于在已知的恐怖分子藏身地没有接受虚拟货币交易的场所,因此虚拟货币不适合支持恐怖活动。

事实上,美国新安全中心(CNAS)的一份报告显示,2015年至2017年间,只有7.929个比特币与恐怖主义融资有关。

The European Union recently adopted a new anti-money laundering (AML) directive specifically targeting cryptocurrencies. It is the fifth AML directive of the EU, and aims to detect, investigate, and prevent financial crimes in the region.

DETAILS OF THE DIRECTIVE

The directive tagged “Directive (EU) 2015/849” allows Financial Intelligence Units (FIUs) to access cryptocurrency wallet information. These security agencies will be able to identify the owner of a cryptocurrency address, based on this latest policy.

The major highlights of the new directive include:

  1. A better understanding of the risks posed by virtual currencies as well as prepaid cards.
  2. Improved cooperation between FIUs
  3. More comprehensive checks on transactions originating from “high-risk third countries.”

One crucial aspect of the new policy is balancing its objectives of hindering criminal finance without disrupting the region’s payment ecosystem. Commenting on the new directive, Bulgarian finance minister and President of the European Council said:

These new rules respond to the need for increased security in Europe by further removing the means available to terrorists. They will enable us to disrupt criminal networks without compromising fundamental rights and economic freedoms.

CRYPTOCURRENCY AND ML/TF

A large part of the government opposition to cryptocurrency lies in the anonymity of the system. Many governments around the world are quick to declare that virtual currencies provide a viable conduit for money laundering and terrorist financing (ML/TF).

Recently, Robert Novy, Deputy Assistant Director of the U.S. Secret Service’s Office of Investigations called for “additional legislative actions” to address the dangers posed by privacy coins. Rep. Robert Pittenger of North Carolina even described virtual currencies as “one of the greatest emerging threats to U.S. national security.”

However, experts like Matt Peyer disagree, saying cryptocurrencies are for the most part overrated for terrorist finance. According to Peyer, while virtual currency transactions are somewhat anonymous, lack of places that accept them in known terror havens make them unsuitable for supporting terrorist activities.

In fact, a report from the Center for a New American Security (CNAS) revealed that only 7.929 BTC were linked to terrorist financing between 2015 and 2017.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

史上最大币灾众生相:韭菜丧失信心,庄家羊毛党博弈

向江林 | 每日经济新... 6小时前

十天11家金融机构领反洗钱罚单,罚款总额超千万元

冷翠华 | 证券日报 08-13

资管新规:缓解处置风险,实现平稳过渡

朱晓明 | 中国保险报... 08-13

监管科技是什么?读完这篇文章就都懂了

道口金科 08-06

加密货币担保贷款业务是利好,还是利空?

陈云峰 | 中伦文德 08-05

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1