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国际资讯监管与政策

加强反洗钱管控,韩国要求银行密切监视加密货币交易所账户

韩国金融监管部门已经修改了用于该国加密货币交易所的反洗钱规则,要求国内的银行加强对相关银行账户的管控。

根据韩国金融服务委员会发布的公告,这项规定的有效期暂定1年。韩国国内为加密货币交易所提供服务的银行现在必须监控交易所持有的所有账户。

通常,一家交易所在银行会开设多个账户——比如持有交易者资金的存款账户以及存储交易所自身资产的运营账户。

然而FSC表示,经过其对农协银行、国民银行以及韩亚银行这三家机构的检查发现,部分交易所曾将投资者存款账户中的资产转移到他们的运营账户中。

这种做法直接违反了监管部门的规定,他们要求交易所和投资者的资金完全隔离。

此前,银行仅负责监控加密货币交易所的投资者存款账户,FSC担心这种小范围的管控可能增强交易所洗钱或者避税的风险,例如通过其运营商户在国外交易所购买加密货币。

因此,通过本次的新规,FSC希望银行能够密切关注国内外交易所的资产往来交易。一旦发生可疑交易活动,银行必须第一时间向FSC汇报。

这不是FSC第一次加强对加密货币交易所的反洗钱管控了。今年1月,该机构也曾下令要求所有交易平台进行实名验证,剔除国内所有匿名交易活动。

South Korea's financial regulator has amended the anti-money laundering rules that apply to cryptocurrency exchanges in the country, requiring domestic banks to tighten up monitoring of related bank accounts.

According to an announcement from the Financial Services Commission (FSC) on Wednesday, the amendment – which will initially be in effect for a year – means domestic banks who provide services to crypto exchanges must now monitor all the accounts held by an exchange.

Typically an exchange has several accounts with a bank – such as, for example, a depositing account that holds traders' funds on the platform, as well as an operating account that stores the exchange's own assets.

However, the FSC explained that its recent inspections at three institutions – Nonghyup Bank, KB Kookmin Bank and KEB Hana Bank – found that some exchanges had moved assets from investors' depositing account to their own operating accounts.

In doing so, the exchanges, according to a report from CoinDesk Korea, had directly violated guidelines requiring exchanges to keep investors' assets separate from their own.

Since banks currently only monitor investors' depositing accounts at crypto exchanges, the FSC fears the absence of wider account scrutiny may increase the possibility of exchanges laundering money or evading taxes by using their operating accounts to buy cryptocurrencies from foreign exchanges.

As a result, the amendment will require banks to keeep an eye out for transactions in which exchanges move assets to or from foreign exchanges. In cases where suspicious transactions come to light, the information must be shared with the FSC.

The new rules marks the FSC's latest tightening of anti-money laundering controls at crypto exchanges. Back in January, the watchdog issued an order that all trading platforms must implement real-name verification, outlawing anonymous trading in the country.


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