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专家:比特币有一定专业性门槛 需谨慎介入
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Topic: 专家:比特币有一定专业性门槛 需谨慎介入 (Read 229 times)
bailunfaa
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专家:比特币有一定专业性门槛 需谨慎介入
February 10, 2017, 04:35:02 AM
#1
近期,中国人民银行营业管理部约谈国内主要比特币交易平台的消息,引起了各方广泛热议。实际上,去年以来,比特币价格的大起大落,又使得背后的风险更令人担忧,而交易平台监管也更需重视。可以看到,比特币自诞生以来就处于各方争议的焦点,2014年日本曾经最大的比特币交易所Mt.Gox因黑客攻击而倒闭,后来警方却又怀疑其高管监守自盗,由此进一步引发各国监管关注,期望防止商业欺诈,或其被用于洗钱和恐怖组织筹集资金。
回顾历史,上世纪80年代,一批国外专家开始研究基于特定密码学的网络支付体系,并且探讨了匿名密码货币,由此出现了作为电子货币高级阶段的、新型数字货币的萌芽。到2008年日裔美国人中本聪发表论文描述比特币电子现金系统,2009年比特币诞生,使得数字货币探索到了新阶段。然而,比特币在探索过程中,却距离去中心货币的理想主义愈来愈远。
2013年12月,人民银行、工信部、银监会、证监会、保监会联合印发的《关于防范比特币风险的通知》(银发〔2013〕289号)明确,比特币虽然被称为“货币”,但由于其不是由货币当局发行,不具有法偿性与强制性等货币属性,并不是真正意义的货币。实际上,与其货币属性相比,比特币越来越多地体现出金融资产的特点。其距离货币本质愈来愈远。根据美国国税局的指引,比特币投资者被视作等同于股票投资者,在相关环节需纳税。美国商品期货交易委员会也把比特币作为大宗商品监管。近几年来,无论是比特币还是比特币“概念”,都成为“激进型”投资者的重要资产组合之一。
对于比特币,各国政府的态度并不相同。虽然比特币也有诸多有益创新,例如其底层技术区块链。但无论如何,近年来比特币的泡沫风险已经日益明显,暴涨暴跌令人目瞪口呆。不可否认的是,曾经寄托着提升互联网时代交易中介便利性的比特币,已经成为疯狂的投机炒作对象。虚拟货币的特质已经成为投机者的“皇帝新衣”,在这种狂热的概念追逐之下,其价格已经远远超出了自身价值,陷入“击鼓传花”的游戏是必然的。
就当前的比特币交易平台看,采取的电子化撮合、集中连续竞价等交易形式集合了大量资金,可能存在法律风险、政策风险及技术风险等,平台普遍存在的免交易手续费、提供融资融币服务等运行机制是诱发比特币价格异常波动的重要原因,其法律合规性、技术安全性、投资风险揭示充足性、广告宣传适当性等方面尚需评估。
需要承认,国内大多比特币交易平台资金管理较为薄弱,有关业务可能涉嫌违法违规,未履行反洗钱义务等,存在较大的法律和政策风险隐患。依据相关法律法规和国务院文件规定,人民银行、银监、证监、工信等部门以及地方政府应该建立协调机制,加强对比特币交易平台的监管,纳入全国范围内正在开展的互联网金融风险专项整治工作。
当然,也需要看到,一方面,只要风险可控,比特币自身存在的创新意义和价值仍然值得重视,也是走向真正的数字货币的“先驱式”探索。另一方面,如果完全离开交易平台,回到“地下灰色交易”体系,则相关潜在的风险更不容易控制,就此而言,比特币交易平台也有存在的必要性。
总的来看,规范比特币交易、提高透明度、加强投资者教育和风险提示,都是必要的措施。监管者有必要以此为抓手,进而对各种各样的数字货币构建完备的监管机制,促进比特币等的健康发展,而严厉打击各类打着数字货币旗号的传销币。而对于普通公众来说,比特币也有一定的专业性门槛,更需谨慎介入。对于从业者来说,也有必要把区块链技术与比特币等数字货币适度剥离,从金融而非货币层面推动区块链创新,这也是当前各国货币金融体制下的合理选择。
ithangood
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Re: 专家:比特币有一定专业性门槛 需谨慎介入
February 10, 2017, 09:23:14 AM
#2
就是需要更多韭菜才有活力啊
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专家:比特币有一定专业性门槛 需谨慎介入
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