数字货币的匿名性与洗钱行为研究
A Study of Anonymity and Money Laundering in Digital Currencies

数字货币的快速发展及其匿名性和分散性给全球金融监管带来了前所未有的挑战，尽管数字货币在为用户提供便捷支付方式和隐私的同时，但也为洗钱、非法资金流动以及其他犯罪活动提供了可能性。现有的金融监管框架无法统一有效地管理这一新市场，使之存在着重大缺陷，尤其是在跨境资金流动和资金追踪方面。要解决这些问题，需要加强对数字货币交易平台的监管，促进跨境合作和信息交流，并将技术结合起来，利用技术创新提高监管效率。同时完善相关法律框架，以应对数字货币带来的复杂金融风险。
The rapid development of digital currencies and their anonymity and decentralised nature have posed unprecedented challenges to global financial regulation, despite the fact that while digital currencies provide users with convenient payment methods and privacy, they also open up the possibility of money laundering, illicit financial flows and other criminal activities. Existing financial regulatory frameworks have been unable to manage this new market in a uniform and effective manner, leaving it with significant shortcomings, particularly with regard to cross-border financial flows and the tracking of funds. To address these issues, there is a need to strengthen the regulation of digital currency trading platforms, promote cross-border co-operation and information exchange, and integrate technology and use technological innovation to improve regulatory efficiency. The relevant legal framework should also be improved to address the complex financial risks posed by digital currencies.