DeFi金融模式中的洗钱风险与侦防对策  

Study on Money Laundering Risks and Countermeasures for Detection and Prevention Based on DeFi Financial Model

作　　者：侯明成 张德智[2] HOU Ming-cheng;ZHANG De-zhi

机构地区：[1]中国刑事警察学院 [2]中国刑事警察学院侦查与反恐怖学院

出　　处：《江苏警官学院学报》2024年第6期62-72,共11页Journal of Jiangsu Police Institute

基　　金：中国刑事警察学院公安学科基础理论研究创新计划项目(2022XKGA0102);中国刑事警察学院研究生创新能力提升项目(2024YCYB25)。

摘　　要：DeFi的自身架构及其匿名性和交易即时性对金融监管和反洗钱工作构成了新的挑战。针对借贷平台、去中心化交易所和稳定币存在的洗钱风险以及DeFi协议层的关键组成部分,链上分析和行为模式识别技术能够发挥有效的防范作用。同时,通过提高数据穿透能力和强化国际合作,可以进一步完善DeFi洗钱犯罪的应对工作。由此,技术与法律的深度融合为预防和打击DeFi洗钱犯罪提供了理论和实践指导。The inherent architecture of DeFi,along with its anonymity and instant transaction capabilities,poses new challenges to financial regulation and anti-money laundering efforts.For the money laundering risks existing in lending platforms,decentralized exchanges,and stable coins,as well as the key components of the DeFi protocol layer,on-chain analysis and behavioral pattern recognition technologies can play an effective preventive role.Meanwhile,by enhancing data penetration capabilities and strengthening international cooperation,the response to DeFi money laundering crimes can be further improved.Thus,the deep integration of technology and law provides theoretical and practical guidance for the prevention and suppression of DeFi money laundering crimes.

关 键 词：DeFi金融模式 洗钱犯罪 智能合约 借贷协议 协同治理 

分 类 号：D631.2[政治法律—政治学]