澳大利亚提出针对交易所、房地产、法律服务的新加密货币法规

澳大利亚推出了一套新规则，希望能够帮助更好地打击长期以来困扰加密行业的金融犯罪。

Australia is proposing stricter crypto rules to combat financial crime

澳大利亚提出更严格的加密货币规则以打击金融犯罪

Australia has proposed new rules to strengthen its fight against financial crimes, particularly those involving cryptocurrencies. The proposals were put forward by the Australian Transaction Reports and Analysis Centre (AUSTRAC) as part of broader efforts to update the country's Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) Act.

澳大利亚提出了新规则，以加强打击金融犯罪，特别是涉及加密货币的金融犯罪。这些提案由澳大利亚交易报告和分析中心 (AUSTRAC) 提出，作为更新该国反洗钱和反恐融资 (AML/CTF) 法案的更广泛努力的一部分。

The AML/CTF Act was amended and passed by Parliament in November, and AUSTRAC's draft rules aim to introduce stricter compliance measures for businesses operating in high-risk sectors, such as crypto exchanges, real estate, legal services and other businesses that may easily evade proper checks and oversight.

议会于 11 月修订并通过了《反洗钱/反恐怖融资法案》，AUSTRAC 的规则草案旨在对在高风险行业运营的企业引入更严格的合规措施，例如加密货币交易所、房地产、法律服务和其他可能容易逃避的企业适当的检查和监督。

According to AUSTRAC, it is currently seeking public consultation on the new framework, with feedback to be accepted until February 2025.

据 AUSTRAC 称，目前正在就新框架征求公众意见，反馈意见将于 2025 年 2 月之前接受。

Key Changes in Proposal

提案的主要变化

Australia is proposing changes like stricter customer due diligence (CDD) requirements, which will mandate businesses to verify customer identities using risk-based processes. Companies will also be required to monitor transactions for suspicious activity and maintain greater transparency in cross-border transfers of assets.

澳大利亚正在提议进行更严格的客户尽职调查（CDD）要求等改革，这将要求企业使用基于风险的流程来验证客户身份。公司还将被要求监控可疑活动的交易，并保持跨境资产转移的更大透明度。

Under these new rules, reporting obligations also take up a new shape. Now, businesses must ensure that they keep detailed records of their operations.

根据这些新规则，报告义务也采取了新的形式。现在，企业必须确保保留详细的运营记录。

There is also an outcomes-based compliance model that this new framework proposes. This means that businesses are subjected to varying degrees of compliance as their size, structure, and risk profiles dictate. By doing this, regulatory standards are kept at their highest without necessarily burdening some firms more than others.

这个新框架还提出了一个基于结果的合规模型。这意味着企业因其规模、结构和风险状况而受到不同程度的合规性约束。通过这样做，监管标准可以保持在最高水平，而不必给某些公司带来比其他公司更大的负担。

Finally, the proposal also includes updates to existing rules, such as the AML/CTF General Rule 2025 and the AML/CTF (Exemptions) Rule 2007. The goal of this is to retain as much as possible relevant exemptions and throw out those requirements that may not apply in today’s world.

最后，该提案还包括对现有规则的更新，例如《2025 年 AML/CTF 通用规则》和《2007 年 AML/CTF（豁免）规则》。这样做的目标是保留尽可能多的相关豁免，并抛弃那些要求可能不适用于当今世界。

Growing Concerns Over the Illicit Use of Crypto in Australia

对澳大利亚非法使用加密货币的担忧日益加剧

It might be worth noting that AUSTRAC's move to tighten regulations did not just come out of the blue. Now more than ever, Australia has identified an urgent need to address the misuse of cryptocurrency within its borders. Hence, the decision by AUSTRAC to step up its efforts in that regard.

值得注意的是，AUSTRAC 收紧监管的举措并非突然出现。现在，澳大利亚比以往任何时候都更迫切地需要解决其境内加密货币的滥用问题。因此，AUSTRAC 决定加大这方面的努力。

On December 6, AUSTRAC announced the creation of a task force to oversee crypto ATM providers. These machines, often targeted by criminals for their shady businesses, are now under intensified scrutiny. The task force has now been saddled with the responsibility of ensuring that these providers meet minimum compliance standards.

12 月 6 日，AUSTRAC 宣布成立一个工作组来监督加密 ATM 提供商。这些机器经常因其不正当的业务而成为犯罪分子的目标，现在正受到严格​​的审查。该工作组现在肩负着确保这些提供商满足最低合规标准的责任。

Generally, Australia is keen on strengthening its financial regulatory framework, which can not be done without addressing the loopholes in the crypto sector. As a result, the government is now urging stakeholders, including financial institutions and crypto firms, to provide valuable input during this consultation period to help shape the final regulations.

总的来说，澳大利亚热衷于加强其金融监管框架，如果不解决加密货币领域的漏洞就无法做到这一点。因此，政府现在敦促包括金融机构和加密货币公司在内的利益相关者在咨询期间提供宝贵的意见，以帮助制定最终法规。

Mayowa is a crypto enthusiast/writer whose conversational character is quite evident in his style of writing. He strongly believes in the potential of digital assets and takes every opportunity to reiterate this. He's a reader, a researcher, an astute speaker, and also a budding entrepreneur. Away from crypto however, Mayowa's fancied distractions include soccer or discussing world politics.

Mayowa 是一位加密货币爱好者/作家，其对话特征在他的写作风格中非常明显。他坚信数字资产的潜力，并利用一切机会重申这一点。他是一位读者、一位研究员、一位精明的演说家，也是一位崭露头角的企业家。然而，除了加密货币之外，梅奥瓦喜欢的消遣包括足球或讨论世界政治。

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