经人介绍，王先生在一年多前投资了价值100余万元的比特币。短短几个月，王先生不仅没赚到钱，反赔了40余万元。王先生以比特币不是法律规定的合法标的物，不具有货币属性，其与交易平台之间的合同应属无效为由，将交易平台北京火币天下网络技术有限公司及两家资金汇入方北京大火投资管理有限公司、北京多智众传网络技术有限公司起诉至法院，要求三家公司退还其损失资金。海淀法院驳回了王先生的诉讼请求(1月9日《北京晨报》)。
Mr. Wang has invested more than a year ago in bitcoins worth more than $1 million. In just a few months, Mr. Wang has not only failed to earn money, but has compensated for more than 400,000 dollars. Mr. Wang, on the grounds that Bitcoin is not a legal object under the law and does not possess monetary attributes, and that his contract with the trading platform should be null and void, sued Mr. Wang and two companies, the Beijing Fire Investment Management Company Ltd. and the Beijing Multi-Sense Technology Ltd., which are the source of funds, for three companies to return their lost funds.
比特币被一些人称为“世界通行的货币”。这种根据计算机算法产生的虚拟货币风行一时，俨然成了互联网时代的“金矿”，甚至号称数量固定，只会增值、永不贬值。这种“货币”实则具有巨大的投资性风险。根据货币基本理论，货币要么是具有特殊天然属性的金属，例如金银，要么是有政府信用背书的纸币。作为虚拟货币的比特币既没有类似于金银的天然属性，也没有任何政府为其信用背书。这种虚拟货币因为没有政府监管，容易被当作洗钱犯罪的工具。例如，去年全球爆发的勒索病毒事件，病毒的始作俑者就要求被勒索者用比特币付款。
Bitcoin, according to the basic theory of money, is either a metal with special natural attributes, such as gold and silver, or a government-backed banknote. Bitcoin as a virtual currency has neither a natural character similar to gold nor a government-backed credit. This virtual currency, because of its lack of government oversight, can easily be used as a tool for money-laundering offences. For example, in the case of the global extortion virus last year, its originators demanded payment in bitcoins.
比特币不被监管的属性就注定其蕴含无限的市场风险，任何有目的的投机性炒作都能影响比特币的价格涨跌。2017年9月，七部委发布了《关于防范代币发行融资风险的公告》，要求限期关停人民币与比特币交易业务，国内各大比特币交易平台纷纷作出回应。该公告明确指出比特币、以太币等所谓虚拟货币，本质上是一种未经批准非法公开融资的行为，代币发行融资与交易存在多重风险，包括虚假资产风险、经营失败风险、投资炒作风险等，投资者须自行承担投资风险，希望广大投资者谨防上当受骗。这份公告已经清楚明白地指出比特币的本质与投资风险并详细列出投资比特币的风险种类。可以说，金融监督部门已经及时充分地对投资比特币发出警示。
The unsupervised properties of Bitcoins are bound to have unlimited market risks, and any purposeful speculative campaign can influence the price of bitcoins. In September 2017, seven ministries issued the Proclamation on Protection against the Risk of Money Issue Financing, which calls for a cut-off of renminbi-bitcoin transactions for a limited period of time, and responses from the country’s major bitcoins trading platforms.
王先生以比特币不是法律规定的合法标的物，不具有货币属性，其与交易平台之间的合同应属无效为由，向法院提起诉讼，要求上述三家公司退还他的损失资金。但是这些平台从事的是理财交易，是虚拟币与虚拟币之间的交易，而非虚拟币与人民币之间的交易，可以说并没有触碰法律红线，因为法律法规没有明确禁止当事人进行比特币的投资和交易，而是提醒各部门加强对社会公众投资风险的提示。七部委的公告就明确指出，普通民众在自担风险的前提下拥有参与比特币交易的自由。
Mr. Wang, arguing that Bitcoin is not the legal subject of the law and is not of a monetary nature, and that the contract between him and the trading platform should be null and void, requested the three companies to return his lost funds. However, the platforms were engaged in financial transactions, transactions between virtual currency and virtual currency, rather than transactions between virtual currency and renminbi, and did not touch the legal line, because the laws and regulations did not explicitly prohibit the parties from making investments and transactions in bitcoin, but rather reminded the departments to strengthen the risk to the public.
法无禁止即自由是民事法律的基本原则，既然进行比特币的投资和交易并不违法，王先生与比特币投资服务平台之间的合同就应该有效。对于王先生投资比特币的损失，投资服务平台并不存在过错，造成该损失是因为王先生忽视投资比特币的风险，没有对监管部门的公告正确理解。总而言之，投资者忽视投资风险造成的经济损失，就不能指望由司法来埋单，因为司法保护的范围有限度、有原则。
There is no prohibition of the law, or freedom, as a fundamental principle of civil law. Since it is not illegal to make investments and transactions in bitcoin, the contract between Mr. Wang and the Bitcoin investment service platform should be valid.
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