岸上的人想下水，水中的人却想上岸。
People on the shore want to go in, people in the water want to go in.
有投资者懊恼没有及时参与比特币的暴涨行情，错失“一夜暴富”机会，也有投资者后悔没有及时抽身，最终落得“竹篮打水一场空”，甚至负债累累。
Investors were upset about not participating in the surge in Bitcoin in a timely manner, missing & & & & & & & & & & & & ; opportunities, and investors regretted not getting out in time and ended up & & & & & & & &, and were even heavily indebted.
虚拟货币价格的每一次剧烈波动都有不少参与者爆仓。最近一周时间里，比特币价格最低点和最高点差值超过1万美元。仅5月12日一天，全球就有近20万人在虚拟货币上爆仓，损失合计112亿美元。
In the last week, Bitcoin’s lowest price and highest margin exceeded $10,000. On 12 May alone, nearly 200,000 people worldwide blew up on virtual currency, with a combined loss of $11.2 billion.
国内虚拟货币迎来强监管。5月18日，中国互联网金融协会、中国银行业协会、中国支付清算协会联合发声抵制虚拟货币炒作，提示相关风险。
On May 18, the Chinese Internet Finance Association, the Chinese Banking Association, and the Chinese Payments Clearing Society joined forces to counter virtual currency speculation and raise risks.
来源：中国人民银行
监管从未离场
Control never leaves the field.
2020年以来，比特币等虚拟货币价格大幅波动，国内虚拟货币炒作风气有所抬头。参与者盲目跟风，通过境外交易所和场外交易商参与交易，容易发生较大损失。
Since 2020, virtual currency prices, such as bitcoins, have fluctuated significantly, and domestic virtual currency booms have risen. Participants, blindly and through offshore exchanges and off-site traders, are vulnerable to greater losses.
鉴于此，中国互联网金融协会、中国银行业协会、中国支付清算协会5月18日联合发布公告，要求会员机构不得开展虚拟货币交易兑换以及其他相关金融业务，坚决抵制虚拟货币相关非法金融活动，不为虚拟货币交易提供账户和支付结算、宣传展示等服务，同时提示社会公众加强风险防范意识，不要参与虚拟货币相关交易炒作活动，谨防个人资金受损。
In view of this, the China Internet Finance Association, the China Banking Association and the China Payment Settlement Association issued a joint communiqué on 18 May calling on member institutions to refrain from conducting virtual currency exchange and other related financial operations, to firmly resist illicit financial activities related to virtual currency, to refrain from providing account and payment settlements, publicity and other services for virtual currency transactions, and to alert the public to a greater sense of risk prevention, to refrain from participating in virtual currency-related transactions, and to guard against the loss of personal funds.
近年来监管部门对虚拟货币领域的监管和整治从未停止。比如，2013年，中国人民银行等五部委发布《关于防范比特币风险的通知》指出，从性质上看，比特币应当是一种特定的虚拟商品，不具有与货币等同的法律地位，不能且不应作为货币在市场上流通使用。
For example, in 2013, five ministries, such as the People’s Bank of China, issued a Circular on Protection against Bitcoin Risk, which states that Bitcoin should be by its nature a specific virtual commodity with no legal status equivalent to that of currency and cannot and should not be used as a currency in the market.
2017年9月，在互联网金融风险专项整治工作框架下，中国人民银行等七部门联合发布《关于防范代币发行融资风险的公告》，明确虚拟货币交易和代币发行融资平合涉嫌非法发行证券、非法集资，指导各地集中取缔173家平合，此后保持监管高压态势，累计清退38家境内新增平合。
In September 2017, within the framework of special efforts to regulate Internet financial risks, seven departments, including the People's Bank of China, jointly issued a bulletin on the prevention of the risk of financing the issuance of money in currencies. It was clarified that virtual currency transactions and the issuance of funds in currencies equalled the illegal issuance of securities and the illegal collection of funds, and provided guidance to all regions to centralize 173 flats.
涉嫌非法金融活动
Suspected of illicit financial activities
监管部门早已明确，任何为中国居民提供虚拟货币交易服务的个人或交易所均涉嫌开展非法金融活动。但仍有不少个人或交易所铤而走险，提供虚拟货币交易服务。
Regulatory authorities have already made it clear that any person or exchange that provides virtual money trading services to Chinese residents is suspected of engaging in illegal financial activities. There are still many individuals or exchanges who risk providing virtual money trading services.
目前，我国明令禁止交易平合从事法币与虚拟货币的兑换业务、买卖或作为中央对手方买卖虚拟货币、为虚拟货币提供定价和信息中介等服务，按现行监管规定这一要求对境外交易所和场外交易商同样适用。
At present, we explicitly prohibit transactions that equalize the exchange of French currency with virtual currency, the purchase and sale of virtual currency as a central counterparty, the provision of pricing and information intermediaries for virtual currency, etc., which are also applicable to foreign exchanges and off-site traders, as required by the regulations in force.
对金融机构和支付机构而言，监管部门要求银行业金融机构、非银行支付机构不得开展虚拟货币交易兑换及相关业务，不得为虚拟货币交易提供支付结算服务。
For financial institutions and payment agencies, the Superintendency requires banking financial institutions and non-bank payment agencies to refrain from conducting virtual currency exchange and related operations and from providing payment settlement services for virtual currency transactions.
除提供渠道以外，为虚拟货币交易所或场外交易商提供引流、客户识别以及信息展示，也都存在法律风险。按照《防范和处置非法集资条例规定》，对非法集资协助人，由处置非法集资牵头部门给予警告，处违法所得1倍以上3倍以下的罚款；构成犯罪的，依法追究刑事责任。
In addition to providing channels, there is a legal risk of diversion, customer identification and display of information for virtual money exchanges or off-site traders.
对于场外交易商的定义，业内人士表示，场外交易商类似于网贷机构，具有撮合功能，并且提供交易展示，其专门服务于身在境内但想要购买比特币等虚拟货币的投资者。“卖方在场外交易商发单，买方在此处进行购买。场外交易商的平台可能是网站，也可能是微信群、QQ群等。”
With regard to the definition of an off-site trader, industry sources state that the off-site trader is similar to a credit institution, has a symmetry function, and provides a demonstration of the transaction that serves investors in the country who want to buy virtual currency, such as bitcoin. & & ldquo; the seller is present at the off-site trader’s bill, where the buyer buys it. The off-site trader’s platform may be a website, or may be a microscopic, Q-group, etc. & & rdquo;
交易虚拟货币不受法律保护
Virtual currency of transactions is not protected by law
比特币等虚拟货币自身价值根基比较脆弱，可以看作是一种非常不成熟的金融资产，其价格易受少数几个虚拟货币巨鲸账户以及监管和舆论影响，波动十分剧烈。比如，今年2月美国财政部长耶伦发声质疑比特币、马斯克宣布特斯拉不再支持比特币交易后，比特币价格均在短期内出现了较大跌幅。
Virtual currencies like Bitcoin, whose own value base is fragile, can be seen as a very immature financial asset whose prices are vulnerable to the influence of a few virtual-currency giant whale accounts, as well as regulation and public opinion, and are highly volatile. For example, when United States Treasury Secretary Yellen called into question Bitcoin in February this year, when he announced that Tesla no longer supported Bitco’s deal, Bitco’s prices fell significantly in the short term.
尤其是火币、币安、OKEX交易平台等境外虚拟货币交易所的服务器不停更换，监管部门的监管难度不断加大。与此同时，部分互联网企业、社交账号等为虚拟货币交易炒作活动提供技术支持和宣传营销服务，为社会公众参与虚拟货币交易炒作提供了便利，诱导社会公众参与投机炒作，提升了互联网舆论对虚拟货币行情的关注度。
In particular, the servers of foreign virtual currency exchanges, such as gun money, currency security, and the OKEX trading platform, are constantly being replaced, and regulation of the regulatory sector is becoming more difficult. At the same time, some Internet enterprises, social accounts, etc., provide technical support and marketing services for virtual currency trading campaigns, facilitate public participation in virtual currency transactions, induce public participation in speculative campaigns, and raise awareness of virtual currency behaviour on the Internet.
据了解，虚拟货币场外交易商和大部分交易所不受监管，虚构交易、操纵价格、侵吞客户资金的情况时有发生。部分交易所诱导投资者参与杠杆交易，极易发生巨大损失，仅5月12日一天全球就有近20万人爆仓，损失合计112亿美元。
It is known that virtual currency out-of-the-horizon traders and most exchanges are unregulated, and there are cases of fictional transactions, price manipulation, and misappropriation of customer funds. Some exchanges induce investors to engage in leverage transactions, which are highly vulnerable to huge losses, with nearly 200,000 people going into storage globally on 12 May alone, with a combined loss of $11.2 billion.
目前，境内已经没有比特币等虚拟货币的交易场所，“翻墙”在境外买比特币没有消费者保护措施，投资者受到损失只能自负。尤其是参与比特币等虚拟货币的个人和企业不被法律保护，交易合同属于无效，投资者需自行承担风险。
Currently, there are no virtual currency trading places in the country, such as bitcoin, “ wall flip & rdquo; and foreign purchases of bitcoins without consumer protection measures, and investors are left to blame for their losses. In particular, individuals and businesses involved in virtual currency, such as bitcoin, are not protected by law, the transaction contract is invalid, and investors are at their own risk.
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