中国人民银行、中国证监会等八部门联合发布《关于进一步防范和处置虚拟货币等相关风险的通知》｜金融与科技

Core Viewpoint - The article emphasizes the need for stringent measures to prevent and address risks associated with virtual currencies and the tokenization of real-world assets (RWA) to maintain national security and social stability [4][5]. Summary by Sections Nature of Virtual Currencies and RWA Tokenization - Virtual currencies do not possess the same legal status as fiat currencies and are characterized by their non-issuance by monetary authorities, use of encryption technology, and existence in digital form. They lack legal tender status and should not circulate as currency [5]. - Activities related to virtual currencies are classified as illegal financial activities, including exchanges between fiat and virtual currencies, trading virtual currencies, and issuing tokens without authorization [5]. - RWA tokenization involves converting ownership and income rights of assets into tokens using encryption and distributed ledger technology, which is also deemed illegal without proper authorization [6]. Collaborative Mechanisms - A collaborative mechanism among various departments, including the People's Bank of China and the China Securities Regulatory Commission, is established to coordinate efforts in preventing and addressing risks related to virtual currencies and RWA tokenization [8]. Risk Monitoring and Management - Continuous improvement of monitoring technologies and systems is essential for risk assessment related to virtual currencies and RWA tokenization. Local governments are tasked with effective online and offline monitoring to identify and share risk information promptly [10]. Regulation of Financial and Service Institutions - Financial institutions are prohibited from providing services related to virtual currencies, including account opening and fund transfers. They must also refrain from offering custody or settlement services for unauthorized RWA tokenization activities [11]. - Internet companies are restricted from providing platforms for virtual currency and RWA tokenization activities, and must report any illegal activities to authorities [11]. Advertising and Registration Management - Market regulatory authorities are to enhance management of business registrations, ensuring that names and business scopes do not include terms related to virtual currencies or RWA tokenization [12]. Enforcement Against Illegal Activities - Local financial management departments are responsible for investigating and addressing illegal financial activities related to virtual currencies and RWA tokenization, with severe penalties for violations [13]. International Business Regulations - Strict regulations are imposed on domestic entities engaging in virtual currency activities abroad, ensuring compliance with local laws and regulations [15][16]. Organizational Leadership and Public Awareness - A strong organizational framework is necessary for risk prevention, with a focus on public education regarding the risks associated with virtual currencies and RWA tokenization [18][19].