加密貨幣：洗錢的新領域

加密貨幣雖然經常因其賦予財務自由的潛力而受到稱讚，但也被用於惡意目的，為洗錢活動提供便利。這種對區塊鏈技術的濫用引發了緊急反應，包括 TracFin 最近的一份報告，強調加密貨幣越來越多地參與法國的可疑金融交易。

Cryptocurrencies: A New Frontier for Money Laundering

加密貨幣：洗錢的新領域

Cryptocurrencies, often touted for their potential to empower individuals financially, have found a sinister use in facilitating money laundering activities. This misuse of blockchain technology has sparked significant concern, particularly in light of a recent report by TracFin, highlighting the involvement of cryptocurrencies in suspicious financial transactions within France.

加密貨幣經常被吹捧為個人經濟賦權的潛力，但它被發現被用於促進洗錢活動。這種區塊鏈技術的濫用引發了人們的極大關注，特別是考慮到 TracFin 最近的一份報告，該報告強調了加密貨幣參與法國境內的可疑金融交易。

Cryptocurrencies: The New Safe Haven for Money Laundering

加密貨幣：洗錢的新避風港

The presence of cryptocurrencies in money laundering schemes has long been a source of concern for policymakers. Democratic Senator Elizabeth Warren of Massachusetts, a vocal critic of this phenomenon, introduced a bill in June 2023 aimed at curtailing this nefarious practice while regulating the use of cryptocurrencies.

洗錢計畫中加密貨幣的存在長期以來一直是政策制定者關注的議題。馬薩諸塞州民主黨參議員伊麗莎白沃倫 (Elizabeth Warren) 直言不諱地批評這種現象，她於 2023 年 6 月提出了一項法案，旨在遏制這種邪惡行為，同時規範加密貨幣的使用。

In France, cryptocurrencies have become the new haven for money launderers, surpassing even traditional financial sectors in suspicious activity reports.

在法國，加密貨幣已成為洗錢者的新避風港，可疑活動報告甚至超過了傳統金融領域。

TracFin, France's financial intelligence agency, received a record number of reports in 2023, reaching a staggering 190,653 suspicious cases, a sharp increase of 15% compared to the previous year.

法國金融情報機構TracFin在2023年收到的通報數量創歷史新高，可疑案件達到驚人的190,653起，比前一年大幅增加15%。

This concerning trend is not limited to traditional financial institutions. Electronic money institutions and digital asset service providers (PSANs) have reported a surge of 146% and 339%, respectively.

這種令人擔憂的趨勢不僅限於傳統金融機構。電子貨幣機構和數位資產服務供應商（PSAN）的漲幅分別為 146% 和 339%。

The French Ministry of Finance has raised the alarm, highlighting this alarming trend. Banks and credit institutions remain the primary reporters of suspicious activities, but digital service providers are becoming an increasing focus.

法國財政部已發出警報，強調了這一令人震驚的趨勢。銀行和信貸機構仍然是可疑活動的主要報告者，但數位服務提供者正成為越來越多的焦點。

In this financial Wild West, where transparency is often as elusive as the desert wind, Bitcoin (BTC) and other cryptocurrencies have emerged as a significant new concern for TracFin and financial regulators alike.

在這個金融狂野的西部，透明度往往像沙漠風一樣難以捉摸，比特幣（BTC）和其他加密貨幣已成為 TracFin 和金融監管機構的一個重要的新關注點。

Crypto-Crime: The Virtual Underworld

加密犯罪：虛擬地下世界

TracFin has consistently sounded the alarm over the past year, with its explosive 2022 report, covered by Le Figaro, declaring crypto-assets as the new playground for delinquents.

TracFin 在過去一年中不斷敲響警鐘，《費加羅報》報道了其爆炸性的 2022 年報告，宣稱加密資產是犯罪分子的新遊樂場。

In this gallery of financial horrors, cryptocurrencies take center stage, aiding sophisticated fraud schemes, money laundering, and even the financing of jihadist terrorism. "A new vector for financing terrorism," laments TracFin, highlighting their role in criminal organizations' clandestine operations.

在這個金融恐怖畫廊中，加密貨幣佔據了中心舞台，它幫助複雜的詐欺計劃、洗錢，甚至為聖戰恐怖主義提供融資。 TracFin 感嘆道：“這是資助恐怖主義的新載體”，並強調了他們在犯罪組織秘密行動中的作用。

Bruno Le Maire, Minister of the Economy, and Thomas Cazenave, Minister of Public Accounts, commended TracFin's diligent efforts, which uncovered a colossal €2.1 billion in financial fraud, with nearly €1.5 billion linked to tax, social security, or customs fraud.

經濟部長布魯諾·勒梅爾(Bruno Le Maire) 和公共帳戶部長托馬斯·卡澤納夫(Thomas Cazenave) 讚揚了TracFin 的辛勤努力，發現了價值21 億歐元的巨額金融欺詐，其中近15 億歐元與稅務、社會安全或海關詐欺有關。

But the alarming figures do not end there: compared to 2022, suspicious activity reports have jumped by 46%, with 162,708 reports received by TracFin. Faced with this surge in financial crime, TracFin has announced plans to bolster its resources in the coming years.

但令人震驚的數字不止於此：與 2022 年相比，可疑活動報告激增了 46%，TracFin 收到了 162,708 份報告。面對金融犯罪的激增，TracFin 宣布了未來幾年增強資源的計畫。

Combating the Crypto-Crime Wave

打擊加密貨幣犯罪浪潮

The rise of cryptocurrencies in money laundering activities demands a multifaceted response from policymakers, law enforcement agencies, and financial institutions. Strengthening anti-money laundering (AML) and know-your-customer (KYC) regulations is essential to deter the misuse of cryptocurrencies for nefarious purposes.

加密貨幣在洗錢活動中的興起需要政策制定者、執法機構和金融機構採取多方面的應對措施。加強反洗錢 (AML) 和了解你的客戶 (KYC) 法規對於阻止出於邪惡目的濫用加密貨幣至關重要。

Collaboration between national and international authorities is crucial for tracking and disrupting cross-border money laundering operations. Increased investment in financial intelligence units like TracFin will provide the necessary resources to monitor and investigate suspicious transactions.

國家和國際當局之間的合作對於追蹤和破壞跨境洗錢活動至關重要。增加對 TracFin 等金融情報機構的投資將為監控和調查可疑交易提供必要的資源。

Educating the public about the risks associated with cryptocurrencies is also vital to prevent unsuspecting individuals from becoming unwitting participants in money laundering schemes.

對公眾進行加密貨幣相關風險的教育對於防止毫無戒心的個人成為洗錢計劃的不知情參與者也至關重要。

The use of blockchain technology for legitimate purposes should not be hindered by the misuse of cryptocurrencies for criminal activities. By implementing robust AML and KYC measures, fostering international cooperation, and raising public awareness, policymakers and law enforcement agencies can combat this insidious threat and protect the integrity of the financial system.

將區塊鏈技術用於合法目的不應因濫用加密貨幣進行犯罪活動而受到阻礙。透過實施強有力的反洗錢和了解你的客戶措施、促進國際合作並提高公眾意識，政策制定者和執法機構可以對抗這種潛在的威脅並保護金融體系的完整性。