“我们只知道炒比特币不受法律保护，就想赚点钱，没意识到借用别人银行卡构成犯罪。”王珲、陆灿因犯妨害信用卡管理罪被江苏省南通市海门区人民法院分别判处有期徒刑一年二个月、缓刑一年六个月，有期徒刑九个月，缓刑一年。
“All we know is that there is no legal protection against the use of bitcoin, and we do not realize that borrowing other people's bank cards constitutes a crime.” Wang Chang and Lu Chan were sentenced to one year, two months' imprisonment, six months' suspended sentence, nine months' suspended sentence and one year's suspended sentence by the Heimen District People's Court in Nantong City, Jiangsu Province, for the offence of obstructing credit card administration.
王珲平时在药厂跑跑业务，头脑比较灵活。2017年年底,其接触到比特币，很快就被“去中心化”“区块链”这些时髦的术语吸引。于是他开始利用业余时间从事比特币交易，2019年下半年还租了间办公室，招聘几名员工协助其在某网站上进行比特币交易。因日常工作和比特币交易无法两头顾及，王珲索性辞掉工作专业从事比特币交易。由于王珲频繁低买高卖，其银行卡日交易频率高达百余次，银行发现异常便冻结了其银行卡，导致无法出账。王珲便找到了自己在金融机构工作过的朋友陆灿咨询规避监管策略。2020年6月王珲邀请陆灿合伙从事比特币交易，两人分别出资25万、5万共同炒币。
At the end of 2017, he came into contact with Bitcoin, which was quickly attracted by the fashionable term “decentralized” “block chains.” So he began to use his spare time for bitcoin transactions, rented an office in late 2019, and hired several employees to assist him in dealing with bitcoins on a website. As day-to-day work and bitcoin transactions could not be taken into account, Wang Qin resigned from his profession to do bitco dealings. Because of the frequency of his bank's daily transactions, which was more than 100 times less expensive, banks discovered that they had frozen their bank cards abnormally.
王珲为了利益最大化，使用“高频交易”的方法炒比特币，使用特定银行卡容易被银行监控，便使用多张银行卡分散交易。过了一段时间后，王珲告诉陆灿银行卡又被冻结不够用，所以想办法联系了几个愿意办理银行卡提供给他们从事比特币交易的人员。后王珲与陆灿以带U盾给1000元/张、不带U盾给300元/张的价格收下了这些人的银行卡，另每月支付每人1000元的“维护费”。最后由于“高频交易”导致借用的银行卡均被冻结，王珲、陆灿通过中间人再介绍其他人的方式借用更多人的银行卡维持比特币交易，并支付介绍费。2020年11月至2021年6月期间，两人共非法持有他人银行卡33张。
After a period of time, Wang Xing told Lu Chan that the bank card was not frozen enough, and managed to contact a few people who were willing to make bank cards available to them for dealing in bitcoin. Queen Queen Xiang and Lu Xiang took their bank cards at a price of $1,000/shields, $300/cards without a U shield, and paid a monthly “maintenance fee” of $1,000 per person. As a result of the “high frequency transaction” that resulted in the freezing of the bank cards borrowed, Wang Xiang and Lu Xiang borrowed the bank cards of more people through middlemen to maintain the Bitcoin transaction and pay the presentation fee. Between November 2020 and June 2021, they illegally held 33 other bank cards.
两人比特币交易的对手方身份不明，不乏违法犯罪人员，该案最终因有非法资金流入两人持有的银行卡而案发，南通市海门区公安局以王珲、陆灿涉嫌妨害信用卡管理罪移送南通市海门区人民检察院审查起诉。在接受检察官讯问时，王珲辩解称：“我们只是借了朋友的银行卡炒比特币，并没有去做违法犯罪的事情。”检察官释法说理：非法持有他人信用卡累计数量达5张以上，扰乱国家信用卡管理制度，即构成了妨害信用卡管理罪，是否以帮助犯罪为目的不影响该罪的认定。王珲与陆灿最终在值班律师见证下，自愿签署认罪认罚具结书。
When questioned by the public prosecutor, Wang Yi argued that “we only borrowed the bank of a friend, Cacabitco, and did not commit a crime.” The prosecutor explained that illegal possession of another person's credit card cumulatively amounted to more than five cards, which disrupted the national credit card management system, constituted a crime against credit card management and did not affect the conviction of the people's procuratorate for the purpose of helping to commit a crime.
检察官提醒：银行卡系持卡人本人使用，不要随意持有、使用他人的银行卡，达到立案标准就会被追究刑事责任，也不要将自己的银行卡给他人持有、使用，避免被他人利用从事非法活动。
The prosecutor warned that the bank card was used by the holder himself, that the bank card should not be arbitrarily held or used by another person, that the standard for filing a case would be held criminally liable, and that the bank card should not be held, used or used by another person in order to avoid being used for illegal activities.
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