Examination and approval form of virtual currency of Culture Bur

1.

It is illegal to issue virtual currency privately

According to Article 29 of the regulations of the people's Republic of China on the administration of RMB, no unit or indivial is allowed to print or sell token tickets to replace RMB in circulation on the market

In addition, the "emergency notice of the State Council Office for rectifying unhealthy tendencies in the instry, the State Economic and Trade Commission and the people's Bank of China on prohibiting the issuance and use of various token certificates (cards)" also strictly prohibited similar issues

extended data

virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, q-coin of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), silver grain (used for bixue Qingtian game), and popular digital currencies in 2013 include bitcoin, Laite coin, infinite coin, quark coin, zeta coin, etc Barbecue coins, pennies (Internet), invisible gold bars, red coins, prime coins. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitcoin, Wright silver, infinite copper, pennies aluminum"

market formation

the Internet has led to the emergence of a new market, which is a virtual market based on cyberspace. The Internet provides a lot of communication places for consumers, and also provides business market for enterprises. Enterprises must change from proct centered to service centered to customer centered. With the development of computer artificial intelligence technology and database technology, enterprises can conveniently collect customers' information, understand customers' needs in time, change business strategies and grasp economic arteries in real time

With the rapid development of computer and network communication technology, the application of Internet technology has graally penetrated into various fields of human activities, and the unlimited business opportunities that it contains make businesses turn their eyes to e-commerce. E-commerce is penetrating into all aspects of social and economic life at a speed that people can hardly imagine

the traditional finance is also closely watching this irresistible trend of global economic integration and networking. As a result, value-added services take art as the selling point and can be regarded as commodities; The sword in the game is not a brand-new financial services business philosophy - e-finance came into being

from the historical development process, to understand e-finance, we must start from the electronic finance and e-commerce. The so-called e-financialization means that financial enterprises adopt modern communication, computer, network and other information technology means in addition to Internet technology to improve the work efficiency of traditional financial service business, rece operating costs, realize the automation of financial business processing, informatization of financial enterprise management and scientific decision-making, and provide customers with faster and more convenient services, And then enhance the financial enterprise is the behavior of market competitive advantage

e-finance is a transcendence of financial electronization. Different from the electronic finance, the main technical basis of e-finance operation is the increasingly perfect Internet technology. Due to the characteristics of global connectivity, openness, quickness and low marginal cost of Internet technology, e-finance strengthens the restructuring and innovation of financial services business based on Internet technology, so that customers are free from the restrictions of business hours and places, and enjoy all kinds of high-quality and low-cost services provided by financial enterprises anytime and anywhere

with the development of Internet, the form of money is becoming more virtual, and there is an electronic money that only exists in the form of electronic signal

reference source: Network: virtual currency

2.

Virtual currency is the currency used for electronic circulation. Now the scope of virtual currency is very large, including q-coin, bitcoin and so on. With the development of digital currency, virtual currency is becoming more and more abundant, which may become the mainstream in the future. For example, BTC, EOS, bcbot and so on are not only virtual currencies, but also algorithms, landing projects and technologies

virtual currency is mainly issued by online game service providers to purchase game props, such as equipment, clothing, etc. But at present, the use of virtual currency has gone far beyond this category. Virtual currency can be used to buy game cards, physical objects and download services of some movies and software

extended data:

real risk

as the proct of e-commerce, virtual currency has begun to play an increasingly important role, and it is more and more connected with the real world. However, with the growth of virtual currency, the relevant laws and regulations are lagging behind, which has laid many hidden dangers

fraud

the private transaction of online virtual currency has realized the two-way circulation between virtual currency and RMB to a certain extent. The activity of these traders is to buy all kinds of virtual currencies and procts at a low price, and then sell them at a high price to earn profits. With the increase of such transactions, there are even virtual mints. In addition to the virtual currency provided by the main company, there are also some people who specialize in "virtual coin making" to obtain virtual currency by playing games and then resell it to other players

Taking Wenzhou as an example, there are about seven or eight such "virtual mints" with four or five hundred practitioners. This not only creates a bubble for the price of the virtual currency itself, but also causes trouble for the normal sale of the issuing company. It also provides a platform for selling and collecting money and money laundering for various cyber crimes. p>

impact system

in modern financial system, the issuers of money are generally central banks, which are responsible for the management and supervision of money operation. As the equivalent exchange goods used to replace the real currency circulation on the Internet, the virtual currency on the Internet is essentially the same as the real currency. The difference is that the issuers are no longer central banks, but Internet companies

if the development of virtual currency makes it form a unified market, each company can exchange with each other, or virtual currency is integrated and unified, and all of them are based on the same standard and price, then in a sense, virtual currency is currency, which is likely to form a threat impact on the traditional financial system or economic operation

reference: network virtual currency

3. Wenwangwen, also known as network culture business license, is a necessary qualification for operating Internet cultural procts. First of all, virtual currency is a proct of network culture, and it must handle the document and network document. Secondly, virtual currency is a relatively special business project, and the business scope of the network should include the issuance or transaction of virtual currency. If there have been articles on the Internet before, but there is no transaction or issue of virtual currency, then this article needs to be added to the business scope, that is, to make a change. It should be noted that in the issuance or transaction of virtual currency, the company can only operate one of them, that is, the issuance or transaction of virtual currency, not both< (1) application form
(2) application form for the establishment of Internet cultural units
(3) Notice of pre approval of enterprise name or business license and articles of Association< (4) source of funds, amount and credit documents (such as capital verification report, of business license of enterprise legal person of capital verification institution, etc.)< (5) of ID card and resume of the legal representative and principal person in charge< (6) qualification certificates and identity documents of main business management personnel and professional and technical personnel (e.g. copies of academic certificate, professional qualification certificate and identity card)
(7) the certificate of the right to use the workplace (the of the house lease contract and the property right certificate of the lessor shall be submitted if the office space is leased, and the of the house property certificate shall be provided for the self owned place)
(8) business development report (provided in the format of Annex 2)< (9) other documents required to be submitted according to law.

4. The conditions for applying for the issuance service of game virtual currency are as follows. Conditions for application of online game virtual currency issuing Enterprises: (1) "online game virtual currency issuing enterprises" refer to online game operation enterprises that issue and provide virtual currency use services“ "Online game virtual currency transaction service enterprise" refers to the enterprise that provides platform service for online game virtual currency transaction among users. The same enterprise shall not operate the above two businesses at the same time 3 "Internet game virtual currency trading service enterprise" shall meet the relevant conditions for establishing an operating Internet cultural unit and the relevant provisions of the competent department of Commerce on e-commerce (platform) services.

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7. American MSB license is a kind of financial license supervised and issued by FinCEN (financial crime enforcement agency of the U.S. Department of the Treasury). It mainly deals with businesses and companies related to money services, including digital currency, virtual currency transactions, ICO issuance, foreign exchange,
remittance and so on. Companies engaged in the above-mentioned related businesses in the United States must apply for MSB license to operate legally<

function of MSB license:
1.
it can legally carry out currency trading and legal currency trading business
2.
it can increase the reputation of the exchange and make investors more confident
3.
proves that the exchange is lawful and compliant, and evade
at present, there are fire currencies, BingoEx, OKEX, currency and American currency network in Chinese mainland, and the world's largest exchanges in the United Kingdom UKF
GROUP.

8.

materials to be prepared for network culture license:

1. Application form for network culture business license

2. Notice of pre approval of enterprise name or business license and articles of Association

3. The business scope of the bidding enterprise needs to be engaged in Internet cultural activities

4. Copy of ID card and resume of the legal representative of the application enterprise

5. Business development report (including company resume, staffing, if involved in the game, please briefly describe the source of the game, game operation, game development technology, including website security measures, information security management system, user information security management system; Self audit personnel requirements, technical personnel, management personnel and server configuration, etc.; if virtual currency is involved, it is necessary to elaborate the virtual currency exchange scheme and refund process, etc.)

6. Relevant materials to prove the company's reputation

Other documents to be submitted according to law

the necessary conditions for network culture license:

1. The name, residence, organization and articles of association of a certain unit, and the registered capital should be 1 million yuan Domestic enterprises should not contain any foreign capital)

2

There are personnel, equipment, workplace and corresponding management technology to meet the needs of Internet cultural activities

4. The registered capital of the company is not less than 1 million

5. Equipment, workplace and corresponding management technical measures to meet the needs of Internet cultural activities

6. Business development report of wenwangwen company applying for network culture business license

7. The planned business should comply with the relevant provisions of the Interim Provisions on the administration of Internet culture and the Interim Measures on the administration of online games

8. Meet the requirements of laws, administrative regulations and relevant national regulations

9.

The following online loans don't need face recognition:

1. Tongtong wallet is a loan opening that doesn't need face brushing, and it doesn't have too many requirements for the borrower's credit reference. In general, this opening can pay about 3000 yuan for you. According to some old users of Tongtong wallet, the loan interest will be greatly reced in the near future
   

2. Qianbei wallet is a loan opening that can be applied through Xicai loan supermarket. It does not need to brush face or provide any credit records. The amount of the opening is between 1000-5000 yuan, the term is within 30 days, and the monthly interest rate is 1.2%. It can be borrowed and returned with it
   

3. a good wallet is also an online loan opening that does not need to be brushed. It can be used with a credit card that has been used for more than 6 months. Good wallets are divided into small short-term and good installment. The amount of short-term loans should be less than 3000 yuan and the term should not exceed 30 days. The amount of installment loan is less than 30000 yuan, and the term is not more than 12 months
   

4. e Shidai is an online loan opening that doesn't need face brushing, but you need to provide proof of work and income. The amount of the loan is between 1000-100000 yuan, which is repayable by instalments, and the loan term can not be less than 6 months or more than 36 months
   

5. anjiapai is a loan opening that requires credit information, but it does not need the borrower to brush his face. The amount of the loan is 1000-30000 yuan with a term of more than 3 months. At present, anjiapai only provides loan services for young and middle-aged people aged between 20 and 50< br />

10. Almost no, regular online loan will recognize face