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Author: Fangda Law Firm; Source: Digital French Currency Research Agency
On December 22, 2023, the National Press and Publication Agency released the “Online Game Administrative Measures (Draft for Draft for Opinions)” (hereinafter referred to as the “Administrative Measures”).Among them, for the first time, there are regulations for online game currency transactions to bind real -name digital RMB wallets: “Entering online gaming currency transactions shall pass the” real -name digital RMB wallet “and shall not provide users with anonymous digital RMB wallet transaction services.”
Digital RMB application of online game currency transactions under the “Administrative Measures”
According to Article 62 of the “Administrative Measures”, online game coins are issued by online game operation units. Online game users use the legal currency to purchase directly or indirectly according to a certain proportion.Inside, and virtual “exchange tools” showed by specific digital units; online game currency trading services refer to the behavior of providing platform -based services for online game currency between users.
Online game coins are part of online games and derivatives.Online game currency belongs to the virtual currency in online games. Due to the global universality and value -specific characteristics of online game coins, it is easier to achieve illegal exchange of funds through the traditional money laundering model, which is more likely. Therefore, it is easier to achieve funds.In recent years, the money laundering phenomenon represented by virtual products such as online game coins and equipment has become more serious.
Due to the characteristics of anonymous cash, cash is a key area for anti -money laundering supervision.Although the conceptual digital RMB can be understood as a number of RMB cash, the digital RMB has the non -tampering and traceability of the blockchain technology.Wait for financial criminal activities to provide powerful technical means.
If the transaction of online game currency rely on the real -name digital RMB wallet, the transaction can be traded back to all parties and their main information of the transaction, which can effectively prevent the online game currency trading platform as a funding channel for money laundering and telecommunications fraud.
Because Digital RMB supports the real identity information binding with users and the trace of trading, it can become an important tool for regulatory departments to supervise the transaction process and the flow of monitoring funds.Under the general trend of strengthening anti -money laundering supervision, cracking down on money laundering and telecommunications fraud, and strengthening cross -border mobile monitoring of funds, the application of digital RMB will eventually expand to other digital economy areas such as live broadcast platforms and e -commerce platforms.
Legal support of digital RMBCompliance outlook
On October 23, 2020, the “People’s Republic of China) issued by the People’s Republic of China (the Draft for the Draft Case of the People’s Republic of China) issued by the People’s Republic of China, which is based on the current basis of” RMB includes physical forms and digital forms “, which is the existence of digital RMB.And provides legal basis.
At present, many local governments have promoted the application of digital RMB by introducing policies.After the “Administrative Measures”, it is expected that other industries will be used in digital RMB.
The real -name digital RMB supports the user’s true identity information binding and the traceability of transactions can be used to effectively manage the digital economy by regulators.The compulsory application of digital RMB in the field of digital economy may be an important direction for future supervision departments to monitor funds.Therefore, for the relevant digital economy entities, it is necessary to deploy the main compliance thinking of digital RMB in advance.
1. Anti -money laundering
my country’s anti -money laundering supervision mechanism mainly requires financial institutions to perform their obligations to prevent and cope with the risk of money laundering by obliging financial institutions to perform due diligence, large transaction and suspicious transaction reports.As mentioned earlier, cash management has always been the focus of anti -money laundering supervision.
From a practical point of view, with the widespread use of digital RMB, its digital cash is a security, real -name system and traceability compared to traditional cash, which can appropriately reduce the burden on cash management in bank anti -money laundering compliance.
At present, due to the restrictions of regulatory resources, non -financial digital economy operating entities have not been included in the anti -money laundering regulatory system. Considering the potential risk of money laundering in these industries and entities, with the promotion of digital RMB, it may be through the connection point of digital RMB., Turn it into the regulatory system for anti -money laundering.
2. Anti -telecommunications fraud
The “Anti -Telecom Network Fraud Law” implemented on December 1, 2022 sets the obligation to customer real identity identification and transaction monitoring and report for telecommunications business operators and Internet service providers.Large similarities.
The obligation main body of the Anti -Telecom Network Fraud Law includes telecommunications business operators, banking financial institutions, non -bank payment institutions, and Internet service providers.In addition to the online games that have been involved, other regulations for anti -telecommunications network fraud in the future may also have the requirements of binding real -name digital wallets.
3. Cross -border payment
The White Paper of the R & D Progress of China Digital RMB pointed out that the People’s Bank of China will respond to the international organization’s initiative on improving cross -border payment and follow the requirements of “non -damage, compliance, and interoperability”.mechanism.Practice has shown that digital currency can play an active role in improving cross -border payment efficiency and reducing the cost of cross -border payment.
At present, the Singapore Financial Authority and the People’s Bank of China have conducted pilots that allow tourists from both countries to use digital RMB for tourism consumption in Singapore and China.The multilateral central bank digital currency bridge project jointly launched by the People’s Bank of China and the Hong Kong HKMA, the Bank of Thailand, and the UAE Central Bank also made positive progress.
Because digital RMB can be paid through digital wallet without the network, its advantages will be more obvious in countries or regions with underdeveloped financial infrastructure, which will help economically underdeveloped countries along the “Belt and Road” to build a regional type of regional type.Cross -border payment platform.At the same time, in areas where judicial incompleteness and weak legal agreements, my country can help some developing countries accessing digital currency systems with relatively dangerous public security developments due to weak banking systems and more cash usage. Realm application.
Digital RMB has the ability to cross -border payment, and the cost is low, which can achieve real -time settlement.Compared with higher costs and low -efficiency traditional fund payment systems, it has a significant advantage.It is expected that digital RMB will gradually promote the application in cross -border payment in a gradual way.(Source: Fangda Law Firm, this article is the excerpt)
