基于人民银行发行DCEP的反洗钱工作思考

Research into AML Work of DCEP Issued by PBC

作为我国现行货币体系的补充,数字人民币机遇和风险并存。一方面数字货币的特殊属性决定其具有较高的洗钱风险,国际清算银行(BIS)、国际货币基金组织(IMF)研究显示,数字货币很可能被不法分子作为逃避资本管控的渠道,利用数字货币体系实现非法资金的跨国流动,给打击洗钱、恐怖主义融资活动带来了挑战。另一方面,数字货币又是“防范和打击洗钱、恐怖融资、逃税等违法犯罪行为,维护金融安全的客观需要”。应对机遇、防范风险的关键就在于,建立完善的反洗钱监管体系、探索有效地监管实施路径。

As a supplement to China's current monetary system,digital currency has both opportunities and risks.On the one hand,the special properties of digital currency determine that it has a high risk of money laundering.Studies by the Bank for International Settlements(BIS)and the International Monetary Fund(IMF)show that digital currency is likely to be used by criminals as a channel to evade capital control,and illegal elements use the digital currency system to realize the cross-border flow of illegal funds,which poses a challenge to the fight against money laundering and terrorist financing activities.On the other hand,Digital currency is an objective need which can prevent and combat money laundering,terrorist financing,tax evasion and other illegal activities,and safeguard the financial security.The key to meeting opportunities and preventing risks lies in the establishment of a sound AML regulatory system and effective regulatory implementation path.