数字人民币的反洗钱侦查研究

Research on Anti-Money Laundering Detection of Digital RMB

数字人民币所具有的可追溯性、非隐藏性、多层级管理等特点使其成为反洗钱犯罪的有力工具,但其中仍然存在着隐私保护、数据安全、数字人民币跨境交易追溯、技术手段限制以及智能合约的滥用等问题和挑战。此外,数字人民币的使用频率和规模也对侦查工作提出了更高的要求。针对以上困境的解决策略是:建立强大的数据分析系统,加强识别刻意交易的能力;加强数字身份认证和实名制,提升数字人民币交易的可追溯性和可监控性;还要在区域间建立更紧密的合作关系,共享反洗钱信息,实现信息的快速传递和处理。

The traceability,non-hiding and multi-level management features of digital RMB make it a powerful tool for anti-money-laundering offences,but there are still problems and challenges such as privacy protection,data security,traceability of cross-border transactions in digital RMB,limitations in technical means and abuse of smart contracts.In addition,the frequency and scale of the use of digital RMB also put forward higher requirements for investigation.The solution strategies for the above dilemmas are:to establish a strong data analysis system to strengthen the ability to identify deliberate transactions;to strengthen digital identity authentication and real-name systems to enhance the traceability and monitorability of digital RMB transactions.It is also necessary to establish closer cooperation between regions to share anti-money laundering information and achieve rapid transmission and processing of information.