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央行整治比特币平台从反洗钱入手 明确义务规范
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央行整治比特币平台从反洗钱入手 明确义务规范
March 27, 2017, 04:17:52 PM
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为规范北京地区比特币等虚拟商品交易平台的反洗钱工作,央行营管部已同部分比特币平台对相关规定进行了讨论,目前讨论稿正在推进当中。
全国人大代表、中国人民银行营业管理部主任周学东在近日接受财新记者专访时曾指出,2013年央行曾经对交易平台提出过反洗钱的相关要求,但落实得并不理想,比如说在客户实名制方面没有尽到“了解你的客户(KYC)”的义务。2013年,央行等五部委发布《关于防范比特币风险的通知》,规定交易平台应对用户身份进行识别,并要求用户使用实名注册,登记姓名、身份证号码等信息。
财新记者从业内人士处获悉,讨论稿主要从两个方面对交易平台的反洗钱工作做出了规范:一是规范平台自身建设,即建立反洗钱工作组织架构、建立健全反洗钱和反恐怖融资内部控制制度;二是明确了平台应当履行的义务,包括采取预防、监控措施,建立健全客户身份识别制度、客户身份资料和交易记录保存制度、大额交易和可疑交易报告制度及履行其他反洗钱义务。
特别值得注意的是,讨论稿此次提出,客户在首次办理虚拟币的充值、提现等业务时,需要本人“到场认证”。具体来说,交易平台应当遵循“了解你的客户”的原则,建立健全客户身份识别制度。其中,当平台首次为客户办理比特币等虚拟商品的充值、提现、兑换、兑付业务时,应要求客户本人持有效身份证件到现场进行身份认证。为客户办理比特币等虚拟商品的充值、提现、兑换、兑付业务等值人民币超过5万元人民币的,应远程视频认证,确保客户本人操作。
某平台人士向财新记者表示,“到场认证”是新提出的一个细节,就是指客户本人需出现在交易所合规柜台做验证,目前这一规定业内正在讨论。
除了在客户身份识别方面做出了较为细致的规定外,讨论稿还规定平台应制定主要负责反洗钱工作的高级管理人员,设立专门机构和岗位,交易平台负责人应当对反洗钱和反恐怖融资内控制度的有效实施负责。另外,平台应当妥善保存客户身份资料和交易,要保证能够完整准确重现每笔交易。
讨论稿还列举了一系列需重点关注的可疑交易具体行为,在判断客户交易行为涉及洗钱等犯罪活动的情况下,交易平台应将相关情况报告至央行营业管理部。
“从反洗钱的角度,主要是管下游,就是提币、提现,这是非常重要的环节,另外开户时的身份识别也非常关键。”周学东表示,反洗钱的重点,包括开户身份识别、资金来源、资金流向、异常交易等方面。在监管币和资金的去向时,可以借鉴区块链技术,“把交易机构的交易数据同步拿到监管部门,作为监管的基础,从这些数据中也可以发现部分洗钱信息和异常交易”,周学东说。
2017年1月初以来,人民银行北京、上海等分支行联合地方金融监管部门,对北京、上海等地比特币主要交易平台持续开展现场检查。检查发现,部分交易平台存在违规开展融资融币业务、反洗钱内控制度不健全等问题。
2月9日,部分交易平台发布公告,称将全面升级反洗钱系统,并对提币进行了限制。某平台相关人士向财新记者表示,升级系统期间,限制提币主要目的是为了避免升级前可能继续发生的非法交易行为,具体而言主要涉及到监管提及的洗钱、非法换汇和支付结算三类。彼时,行业标准制定及实施时间预计为1个月。
3月8日,多家交易平台相继发出《防范通过比特币进行非法行为的延期通知》,表示根据监管部门“比特币交易平台不得违反国家有关反洗钱、外汇管理和支付结算等金融法律法规”的要求,正在根据相关政策细节,积极研发和升级系统,同时与业界同行探讨行业标准,制定自律制度。
文章来源:财新网
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