金管局警告加密貨幣公司誤導性使用「銀行」一詞不僅欺騙消費者，也違反香港銀行業條例

2024 年 11 月 15 日，香港金融管理局（HKMA）（香港事實上的中央銀行）對兩種海外加密貨幣發出嚴厲警告

Two overseas cryptocurrency firms have been found to be misrepresenting themselves as banks, prompting a stern warning from the Hong Kong Monetary Authority (HKMA) on Tuesday.

兩家海外加密貨幣公司被發現謊稱自己是銀行，週二香港金融管理局（HKMA）發出了嚴厲警告。

One of the firms is said to have described itself as a bank on its website, while another referred to its card as a “bank card.”

據稱，其中一家公司在其網站上將自己描述為一家銀行，而另一家公司則將其卡稱為「銀行卡」。

The HKMA expressed concern that such claims could mislead consumers into believing that these firms are licensed banks in Hong Kong and that their products and services are provided by licensed banks in the city-state.

金管局表示擔心，此類說法可能會誤導消費者，讓他們相信這些公司是香港持牌銀行，並且其產品和服務是由香港持牌銀行提供的。

“Such acts may constitute a contravention of the Banking Ordinance,” the HKMA said.

金管局表示，「此類行為可能違反《銀行業條例》」。

The Banking Ordinance specifies the institutions that are permitted to carry out banking business in Hong Kong. Only licensed banks, restricted license banks, and deposit-taking companies, which are licensed by the HKMA, are authorized to operate banking and deposit-taking businesses.

《銀行業條例》規定了獲准在香港開展銀行業務的機構。只有經金管局發牌的持牌銀行、有限制牌照銀行和接受存款公司才有權利經營銀行和接受存款業務。

No other person is permitted to carry on banking business or to hold itself out as a bank, and a person shall not use the word “bank” in the name of his business or in describing any business carried on by him unless he is a licensed bank, the ordinance states.

任何其他人不得經營銀行業務或自稱為銀行，且任何人不得在其業務名稱中或在描述其經營的任何業務時使用“銀行”一詞，除非他是持牌人銀行，該條例規定。

The HKMA said that the use of the term “bank” by crypto firms not only misleads the public but also constitutes a breach of the ordinance.

金管局表示，加密貨幣公司使用「銀行」一詞不僅誤導公眾，而且構成違反該條例的行為。

“The HKMA will take follow-up actions, including referring the relevant cases to the Department of Justice for legal proceedings if necessary,” the monetary authority said.

金管局表示，金管局將採取跟進行動，包括如有需要，將相關案件移交律政司採取法律程序。

Hong Kong has been positioning itself as a major global crypto hub, with increasing momentum in recent years.

香港一直將自己定位為全球主要的加密貨幣中心，近年來勢頭不斷增強。

In June 2023, the city introduced a licensing regime designed to regulate crypto trading platforms while promoting innovation within the digital asset sector.

2023 年 6 月，該市推出了一項許可製度，旨在監管加密貨幣交易平台，同時促進數位資產領域的創新。

The system mandates that licensed crypto firms follow stringent guidelines to ensure consumer protection, such as maintaining a minimum capital requirement, adhering to cybersecurity standards, and implementing measures to prevent money laundering and terrorist financing.

該制度要求獲得許可的加密貨幣公司遵循嚴格的指導方針，以確保消費者保護，例如維持最低資本要求、遵守網路安全標準以及採取措施防止洗錢和恐怖主義融資。