Quote from: freee101 on July 18, 2014, 03:25:01 PM

全球的，匿名的，无任何中央权威，比特币和其他数字货币不易被监管－由设计决定的。但纽约金融服务部门昨日发布了一项草案试图监管比特币。

该方案将对在纽约做比特币业务的公司发布比特许可证（bitlicenses）。一些人欢迎对虚拟货币的监管行动，是把他们融入主流的一步。但批评人士说，纽约的规则太严格，如果通过，将打压刚刚萌芽的比特币业务和对其他国家政策的考虑树立一个不好的先例。
这些是比特币爱好者的主要批评建议：
它太侵犯个人权利。
经济上太死板。
对比特币业务的细微差别比较无知。
评论：监管当然都不自由，但不监管又难入主流，也许最终都是一种妥协的结果。

Global, anonymous, and free from any central authority, bitcoin and other digital currencies are not easy to regulateby design. But a proposal released yesterday by the New York State Department of Financial Services attempts to do just that.
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The proposal would create BitLicenses for companies doing business with bitcoins in New York. Some welcome the move to regulate virtual currencies, which could be a step toward bringing them into the mainstream. But critics say New Yorks rules are too stringent and, if adopted, will sink the states burgeoning bitcoin business and set an unwelcome precedent as other states consider policies.
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These are the main criticisms that bitcoin enthusiasts are making of the proposal:
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Its too intrusive
Under the policy, businesses would be required to maintain transaction information, including the identities and physical addresses of involved parties, on file for 10 years. This undermines one of the central tenets of virtual currenciesthat theyre anonymous.
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Its too financially rigid
Each firm must hold Virtual Currency of the same type and amount as any Virtual Currency owed or obligated to a third party, the press release says. Moreover, companies are prohibited from doing anything with currency save for holding it stagnantly, and are required to maintain a bond or trust accountof an unspecified amountfor the benefit of its customers. In other words, bitcoin businesses wont have anything like the flexibility of regular banks, which are allowed to make investments with customer cash.
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Its ignorant of the nuances of bitcoin businesses
The only companies that dont fall under the regulation are those that accept bitcoin payments as goods and services, such as the e-commerce company Overstock.com. But the policies lump together companies that actually hold bitcoinslike Mt. Gox, the notorious Japanese exchange that saw nearly half a billion dollars disappear from under their noseswith companies like ChangeTip that just facilitate transactions.
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Bitcoin is still a wild west for regulators. While the US Financial Crimes Enforcement Network broke ground last year in deciding that companies that exchanged virtual for real currency should be regulated as money transmitters, New York is the first state to broach the subject. And the states superintendent of financial services, Benjamin Lawsky, seems eager to engage with the bitcoin communityfor thesecond time in the past four months, he asked for feedback in a Reddit bitcoin threadthat has garnered over 1,500 comments so far.
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Bitcoin buffs will have some time to register their displeasure. After the proposal is formally published in the July 23 edition of the New York State Register, there will be a 45-day comment period before the DFS revises and finalizes the rules.

楼主可以详细介绍一下,纽约的情况吗?

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