我国虚拟货币监管制度改革的反思与重构

Reflection and Reconstruction of China’s Virtual Currency Supervision System Reform

虚拟货币是人工智能背景下金融科学技术发展与货币数字化发展的必然产物。世界各国对虚拟货币的监管态度不一,目前我国对虚拟货币不仅在私法领域缺乏有效保护,在公法领域更是“一刀切”式进行否定。在厘清虚拟货币法律属性的基础上,应当在民法视野中对其进行私法保护;同时根据支配性理论和公共治理理论,在监管制度中确立适当投资者制度、金融消费者保护制度、反洗钱监管制度以及国际合作监管制度。

Virtual currency is an inevitable product of the development of financial science and technology and the development of digital currency under the background of artificial intelligence.Countries around the world have different regulatory attitudes towards virtual currencies.At present,China not only lacks effective protection in the field of private law,but also negate it in the field of public law.By clarifying the legal nature of virtual currency,it should be protected by private law from the perspective of civil law.At the same time,in accordance with the dominance theory and public governance theory,the appropriate investor system should be established in the regulatory system,the financial consumer protection system should be improved,Supervising system for money laundering and strengthening international cooperation supervision system.