// NAC 贸易规则直接写入脚本（mongosh 执行） // 用法：mongosh "mongodb://root:pass@host/db?authSource=admin" insertRules.js const now = new Date(); const TRADING_RULES = [ { ruleId: "GLOBAL_OWNERSHIP_001", jurisdiction: "GLOBAL", jurisdictionName: "全球通用", regulator: "NAC", assetClass: "ALL", category: "所有权验证", ruleType: "ownership_verification", ruleName: "RWA 资产所有权链上确权基础规则", ruleNameEn: "RWA Asset On-Chain Ownership Verification Foundation Rule", content: "所有在 NAC 公链上交易的 RWA 资产，必须在交易前完成所有权的链上确权。确权流程包括：1.链下法律文件公证：原始所有权文件须经所在司法辖区认可的公证机构认证；2.托管机构签约：资产所有人须与 NAC 认可的托管机构签订不可撤销的所有权转让授权书；3.七层合规验证：通过 NAC 七层合规验证框架（身份/资产/所有权/估值/法律/技术/宪法）；4.GNACS 编码：系统分配全球唯一的 GNACS 资产分类编码（SHA3-384，48字节）；5.Charter 合约部署：生成包含所有权条款和仲裁条款的 Charter 智能合约；6.ACC-20 铸造：通过验证后铸造 ACC-20 标准链上资产代币；7.DNA 上链：资产指纹写入 NAC 区块链，完成不可篡改的所有权确认。关键原则：链上 Token 转移 = 法律意义上的所有权转移指令，托管机构负责执行链下所有权变更。", legalBasis: "NAC 宪法第3条（资产确权）、ACC-20协议第2章", sourceUrl: "https://docs.newassetchain.io/ownership", ownershipRequirements: { proofDocuments: ["原始产权证明文件", "公证机构认证书", "托管机构授权书", "KYC认证证书"], registrationRequired: true, registrationAuthority: "NAC 链上注册系统", transferMechanism: "Charter 合约触发 + 托管机构执行链下变更", chainRecognition: "NAC 链上记录作为所有权转移的法律证据，需配合托管机构的链下执行", }, complianceLevel: "mandatory", tier: 1, tags: ["所有权", "确权", "ACC-20", "GNACS", "Charter", "托管"], lastUpdated: now, crawledAt: now, source: "NAC_CORE", relevance: 1.0, }, { ruleId: "GLOBAL_KYC_AML_001", jurisdiction: "GLOBAL", jurisdictionName: "全球通用", regulator: "FATF", assetClass: "ALL", category: "KYC/AML", ruleType: "kyc_aml", ruleName: "FATF 旅行规则与 KYC/AML 全球标准", ruleNameEn: "FATF Travel Rule and KYC/AML Global Standard", content: "FATF（金融行动特别工作组）全球 KYC/AML 标准（适用所有 NAC 交易）：1.客户尽职调查（CDD）：标准CDD须身份验证（政府颁发证件）+地址证明+资金来源；增强CDD（EDD）适用高风险客户（PEP/高风险国家/大额交易）。2.FATF 旅行规则（虚拟资产）：转账金额≥1000 USD/EUR 须传递发起人和受益人信息，须使用 IVMS 101 数据标准。3.制裁筛查：OFAC（美国）、EU、UN 制裁名单。4.可疑交易报告（STR）：须向所在司法辖区 FIU 报告，须保存5年交易记录。5.NAC 实施要求：所有 NAC 用户须完成 KYC Level 1（基础）；大额交易（>10万 XTZH）须完成 KYC Level 2（增强）；机构用户须完成 KYC Level 3（机构级）。", legalBasis: "FATF 40项建议、FATF虚拟资产指引（2021年更新）、IVMS 101标准", sourceUrl: "https://www.fatf-gafi.org/en/topics/virtual-assets.html", complianceLevel: "mandatory", tier: 1, tags: ["KYC", "AML", "FATF", "旅行规则", "OFAC", "制裁筛查", "CDD", "STR"], lastUpdated: now, crawledAt: now, source: "FATF_GLOBAL", relevance: 1.0, }, { ruleId: "GLOBAL_CROSSBORDER_001", jurisdiction: "GLOBAL", jurisdictionName: "全球通用", regulator: "NAC/FATF", assetClass: "ALL", category: "跨境交易", ruleType: "cross_border", ruleName: "NAC 跨境资产交易合规规则", ruleNameEn: "NAC Cross-Border Asset Trading Compliance Rule", content: "NAC 公链跨境资产交易合规框架：1.双重司法辖区验证：卖方所在辖区规则验证（资产来源合法性）、买方所在辖区规则验证（投资者资质合规）、资产所在辖区规则验证（外资持有限制）。2.跨境资本流动：须遵守买卖双方所在辖区的外汇管制规定；中国须遵守 SAFE 外汇管理规定（资本项目管制）；印度须遵守 FEMA（外汇管理法）。3.税务合规：须遵守 OECD CRS（共同申报准则）；美国账户持有人须遵守 FATCA。4.Charter 合约跨境条款：须明确指定适用法律（governing law）、须指定争议解决机制（仲裁/诉讼）、须包含制裁合规条款。5.XTZH 跨境结算：XTZH 作为中性结算货币，规避汇率风险，须遵守各辖区稳定币监管规定。", legalBasis: "OECD CRS、FATCA、各辖区外汇管理法规、FATF跨境汇款规则", sourceUrl: "https://www.oecd.org/tax/automatic-exchange/common-reporting-standard/", complianceLevel: "mandatory", tier: 1, tags: ["跨境交易", "外汇管制", "SAFE", "FATCA", "CRS", "双重验证", "Charter合约", "XTZH结算"], lastUpdated: now, crawledAt: now, source: "GLOBAL_CROSSBORDER", relevance: 0.95, }, { ruleId: "US_REALESTATE_OWNERSHIP_001", jurisdiction: "US", jurisdictionName: "美国", regulator: "SEC/FinCEN", assetClass: "RealEstate", category: "房地产", ruleType: "ownership_verification", ruleName: "美国房地产所有权验证规则", ruleNameEn: "US Real Estate Ownership Verification Rule", content: "美国房地产资产上链所有权验证要求：1.产权证明文件：产权证书（Title Deed）或地契（Deed of Trust）、产权保险（Title Insurance）证明、产权调查报告（Title Search Report）、无留置权证明（Lien-Free Certificate）。2.登记要求：必须在所在州县的不动产登记处（County Recorder/Register of Deeds）完成登记；外国人持有美国房地产须遵守 FIRPTA（外国人房地产投资税法）申报要求。3.所有权转移机制：链上 Token 转移触发托管机构向县登记处提交产权转让契约（Warranty Deed）；产权转让须经公证人（Notary Public）认证。4.链上法律认可：美国多个州已通过区块链记录法（如特拉华州、怀俄明州），链上记录具有法律效力。5.外资限制：农业用地受 AFIDA 法案限制，外国人持有超过10英亩须向 USDA 申报；军事设施附近受 CFIUS 审查。", legalBasis: "美国统一商法典(UCC)、FIRPTA、特拉华州区块链法、怀俄明州数字资产法", sourceUrl: "https://www.sec.gov/divisions/corpfin/guidance/realestate.htm", ownershipRequirements: { proofDocuments: ["产权证书(Title Deed)", "产权保险证明", "产权调查报告", "无留置权证明", "FIRPTA申报表(外国人)"], registrationRequired: true, registrationAuthority: "所在州县不动产登记处(County Recorder)", transferMechanism: "Charter合约触发 + 托管机构提交Warranty Deed至县登记处", chainRecognition: "特拉华州/怀俄明州等已立法承认区块链记录法律效力", disputeResolution: "适用资产所在州法律，可选择JAMS或AAA仲裁", foreignOwnershipRestriction: "农业用地超过10英亩须USDA申报；军事设施附近须CFIUS审查", }, tradingRequirements: { minimumInvestor: "合格投资者(Accredited Investor)或机构投资者", settlementPeriod: "T+3（传统）/ T+0（链上）", allowedCurrencies: ["USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["美国", "房地产", "所有权", "产权证书", "FIRPTA", "县登记处", "合格投资者"], lastUpdated: now, crawledAt: now, source: "US_SEC_REALESTATE", relevance: 0.95, }, { ruleId: "US_SECURITIES_TRADING_001", jurisdiction: "US", jurisdictionName: "美国", regulator: "SEC", assetClass: "FinancialSecurities", category: "金融证券", ruleType: "trading_permission", ruleName: "美国证券代币化交易规则", ruleNameEn: "US Security Token Trading Rule", content: "美国证券代币化交易合规要求：1.发行豁免条件（满足其一）：Regulation D Rule 506(b)/(c)仅向合格投资者私募，无需SEC注册；Regulation S仅向美国境外投资者发行；Regulation A+小额公开发行（Tier 1: ≤2000万美元/年，Tier 2: ≤7500万美元/年）；Regulation CF众筹豁免（≤500万美元/年）。2.交易平台要求：必须在 SEC 注册的经纪商（Broker-Dealer）或 ATS（另类交易系统）上交易，或在 FINRA 会员平台上交易。3.KYC/AML 要求：银行保密法（BSA）要求；FinCEN 客户尽职调查（CDD）规则；OFAC 制裁名单筛查。4.所有权转移：证券转让须通过 DTC（存托信托公司）或 SEC 注册的转让代理人；链上转移须同步更新 SEC 股东登记册。", legalBasis: "证券法1933年、证券交易法1934年、Regulation D/S/A+/CF、银行保密法", sourceUrl: "https://www.sec.gov/info/smallbus/secg/rwa-guidance.htm", ownershipRequirements: { proofDocuments: ["证券持有证明", "合格投资者认证", "KYC文件", "OFAC筛查记录"], registrationRequired: true, registrationAuthority: "SEC证券登记系统 / DTC", transferMechanism: "SEC注册转让代理人 + 链上同步更新", chainRecognition: "链上记录须与SEC股东登记册保持同步", }, tradingRequirements: { minimumInvestor: "合格投资者(净资产>100万美元或年收入>20万美元)", settlementPeriod: "T+2（股票）/ T+1（债券）", allowedCurrencies: ["USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["美国", "证券", "Regulation D", "合格投资者", "SEC", "ATS", "KYC"], lastUpdated: now, crawledAt: now, source: "US_SEC_SECURITIES", relevance: 0.95, }, { ruleId: "HK_VIRTUAL_ASSETS_TRADING_001", jurisdiction: "HK", jurisdictionName: "香港", regulator: "SFC", assetClass: "DigitalAssets", category: "虚拟资产", ruleType: "trading_permission", ruleName: "香港虚拟资产交易平台（VATP）规则", ruleNameEn: "Hong Kong Virtual Asset Trading Platform (VATP) Rule", content: "香港《虚拟资产服务提供商条例》(VASP Ordinance) 交易规则（2023年6月生效）：1.平台牌照要求：所有在港运营的虚拟资产交易平台须向 SFC 申请 VATP 牌照；须满足最低资本要求（实缴股本≥500万港元）；须委任持牌负责人员（RO）。2.投资者保护：零售投资者可交易 SFC 批准的虚拟资产（须通过知识测试）；专业投资者可交易更广泛的虚拟资产（净资产≥800万港元）；须实施冷钱包存储（≥98%资产）。3.所有权验证：须实施严格的 KYC/AML（遵守 FATF 旅行规则）；须核实虚拟资产的来源合法性；须保存5年交易记录。4.RWA 代币特别规定：RWA 代币须通过 SFC 的证券代币发行（STO）框架；须提交招股说明书或获得豁免。5.XTZH 在港使用：作为稳定币，须遵守香港稳定币监管框架（2024年咨询文件）；须向香港金管局（HKMA）申请稳定币发行人牌照。", legalBasis: "《打击洗钱及恐怖分子资金筹集条例》(AMLO)、SFC《虚拟资产交易平台营运者监管要求》", sourceUrl: "https://www.sfc.hk/en/Regulatory-functions/Products-and-Partners/Regulation-of-virtual-asset-activities", ownershipRequirements: { proofDocuments: ["VATP牌照", "KYC文件", "资产来源证明", "STO招股说明书（如适用）"], registrationRequired: true, registrationAuthority: "香港证监会(SFC)", transferMechanism: "SFC认可VATP执行 + FATF旅行规则合规", chainRecognition: "香港法律承认区块链记录作为电子证据", disputeResolution: "香港国际仲裁中心(HKIAC)或香港法院", }, tradingRequirements: { minimumInvestor: "零售投资者（须通过知识测试）/ 专业投资者（净资产≥800万港元）", allowedCurrencies: ["HKD", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["香港", "虚拟资产", "VATP", "SFC", "STO", "FATF", "稳定币", "HKMA"], lastUpdated: now, crawledAt: now, source: "HK_SFC_VATP", relevance: 0.95, }, { ruleId: "HK_REALESTATE_OWNERSHIP_001", jurisdiction: "HK", jurisdictionName: "香港", regulator: "LR/SFC", assetClass: "RealEstate", category: "房地产", ruleType: "ownership_verification", ruleName: "香港房地产所有权验证规则", ruleNameEn: "Hong Kong Real Estate Ownership Verification Rule", content: "香港房地产资产上链所有权验证要求：1.产权文件：土地注册处（Land Registry）查册证明；楼契（Title Deeds）正本；无按揭/无押记证明。2.外资规定：非香港永久居民购买住宅物业须缴付额外印花税（BSD）：15%；公司购买须缴付买家印花税（BSD）：15%；商业物业无外资限制。3.所有权转移：须经律师行（Solicitor）处理；须在土地注册处完成登记；链上转移须同步更新土地注册处记录。4.代币化房地产（REITs）：香港 REITs 须在港交所（HKEX）上市；须遵守 SFC《房地产投资信托基金守则》；分派比率须≥90%可分派收入。", legalBasis: "《土地注册条例》(Cap.128)、《印花税条例》(Cap.117)、SFC《房地产投资信托基金守则》", sourceUrl: "https://www.sfc.hk/en/Regulatory-functions/Products-and-Partners/Real-estate-investment-trusts", ownershipRequirements: { proofDocuments: ["土地注册处查册证明", "楼契正本", "无按揭证明", "律师行转让文件"], registrationRequired: true, registrationAuthority: "香港土地注册处(Land Registry)", transferMechanism: "律师行处理 + 土地注册处登记 + 链上同步", chainRecognition: "香港《电子交易条例》支持电子记录法律效力", foreignOwnershipRestriction: "非永久居民购买住宅须缴15%买家印花税", }, complianceLevel: "mandatory", tier: 1, tags: ["香港", "房地产", "所有权", "土地注册处", "楼契", "印花税", "REITs"], lastUpdated: now, crawledAt: now, source: "HK_LAND_REGISTRY", relevance: 0.90, }, { ruleId: "SG_DIGITAL_ASSETS_TRADING_001", jurisdiction: "SG", jurisdictionName: "新加坡", regulator: "MAS", assetClass: "DigitalAssets", category: "数字资产", ruleType: "trading_permission", ruleName: "新加坡数字代币交易规则（PSA/SFA）", ruleNameEn: "Singapore Digital Token Trading Rule (PSA/SFA)", content: "新加坡数字资产交易双轨监管框架：1.支付服务法（PSA 2019）框架：数字支付代币（DPT）服务须向 MAS 申请主要支付机构（MPI）牌照；须实施 FATF 旅行规则（≥1000 SGD 转账须传递发起人/受益人信息）；须遵守 MAS Notice PSN02（AML/CFT）。2.证券期货法（SFA）框架：证券型代币（Security Token）须通过 SFA 发行；须向 MAS 注册招股说明书或获得豁免；须在 MAS 认可的交易所或 RMO 上交易。3.RWA 代币特别规定：MAS 2023年《数字资产白皮书》支持 RWA 代币化；建议使用 MAS Project Guardian 框架。4.XTZH 在新加坡：作为多资产锚定稳定币，须遵守 MAS 稳定币框架（2023年）；须维持≥100%储备资产；须每月披露储备资产审计报告。", legalBasis: "《支付服务法》(PSA 2019)、《证券期货法》(SFA)、MAS Notice PSN02、MAS稳定币框架", sourceUrl: "https://www.mas.gov.sg/regulation/capital-markets/digital-token-offerings", ownershipRequirements: { proofDocuments: ["MPI/RMO牌照", "CDD文件", "代币来源证明", "招股说明书（证券型代币）"], registrationRequired: true, registrationAuthority: "新加坡金融管理局(MAS)", transferMechanism: "MAS认可平台执行 + FATF旅行规则合规", chainRecognition: "新加坡《电子交易法》支持区块链记录法律效力", disputeResolution: "新加坡国际仲裁中心(SIAC)或新加坡法院", }, tradingRequirements: { minimumInvestor: "机构投资者 / 认可投资者（净资产>200万SGD）", allowedCurrencies: ["SGD", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["新加坡", "数字资产", "PSA", "SFA", "MAS", "FATF", "稳定币", "Project Guardian"], lastUpdated: now, crawledAt: now, source: "SG_MAS_DIGITAL", relevance: 0.95, }, { ruleId: "SG_REALESTATE_OWNERSHIP_001", jurisdiction: "SG", jurisdictionName: "新加坡", regulator: "SLA/URA", assetClass: "RealEstate", category: "房地产", ruleType: "ownership_verification", ruleName: "新加坡房地产所有权验证规则", ruleNameEn: "Singapore Real Estate Ownership Verification Rule", content: "新加坡房地产资产上链所有权验证要求：1.产权文件：新加坡土地管理局（SLA）产权证明；无产权负担证明（Encumbrance Search）。2.外资限制（住宅地产）：外国人不得购买有地住宅（Landed Property），除非获得 LDAU 批准；外国人可购买公寓（Condominium）和商业地产；须缴付额外买家印花税（ABSD）：外国人60%，永久居民5%（第一套）。3.所有权转移：须经律师行处理；须在 SLA 完成产权转移登记；链上转移须同步更新 SLA 记录。4.代币化房地产：须通过 MAS SFA 框架发行；新加坡 REITs（S-REITs）须在 SGX 上市；分派比率须≥90%可分派收入。", legalBasis: "《土地所有权法》(LTA)、《住宅地产法》(RPA)、《印花税法》、SLA条例", sourceUrl: "https://www.sla.gov.sg/land-registration", ownershipRequirements: { proofDocuments: ["SLA产权证明", "无产权负担证明", "LDAU批准（外国人有地住宅）", "律师行转让文件"], registrationRequired: true, registrationAuthority: "新加坡土地管理局(SLA)", transferMechanism: "律师行处理 + SLA登记 + 链上同步", chainRecognition: "新加坡《电子交易法》支持电子记录法律效力", foreignOwnershipRestriction: "外国人购买有地住宅须LDAU批准；购买公寓须缴60%ABSD", }, complianceLevel: "mandatory", tier: 1, tags: ["新加坡", "房地产", "所有权", "SLA", "ABSD", "外资限制", "S-REITs"], lastUpdated: now, crawledAt: now, source: "SG_SLA_REALESTATE", relevance: 0.90, }, { ruleId: "AE_DIGITAL_ASSETS_TRADING_001", jurisdiction: "AE", jurisdictionName: "阿联酋/迪拜", regulator: "DFSA/VARA", assetClass: "DigitalAssets", category: "虚拟资产", ruleType: "trading_permission", ruleName: "迪拜虚拟资产交易规则（VARA）", ruleNameEn: "Dubai Virtual Assets Trading Rule (VARA)", content: "迪拜《虚拟资产法》(Law No.4 of 2022) 交易规则：1.监管机构：迪拜：VARA（虚拟资产监管局）；DIFC：DFSA（迪拜金融服务管理局）；阿布扎比：ADGM（阿布扎比全球市场）。2.VARA 牌照类型：顾问服务、经纪交易商、托管服务、交易所服务、贷款服务、支付服务、转让和结算。3.所有权验证：须实施 FATF 旅行规则；须进行 KYC/AML/CFT 审查；须核实虚拟资产来源。4.RWA 代币特别规定：VARA 2023年《RWA 代币化指引》支持 RWA 上链；须通过 VARA 批准的发行人发行；须在 VARA 授权的交易所交易。5.XTZH 在迪拜：作为稳定币，须向 VARA 申请支付代币服务牌照。", legalBasis: "迪拜《虚拟资产法》No.4/2022、VARA《虚拟资产和相关活动条例》2023", sourceUrl: "https://www.vara.ae/en/regulation/rulebooks/", ownershipRequirements: { proofDocuments: ["VARA牌照", "KYC文件", "资产来源证明", "VARA批准的发行文件"], registrationRequired: true, registrationAuthority: "迪拜虚拟资产监管局(VARA)", transferMechanism: "VARA授权交易所执行 + FATF旅行规则合规", chainRecognition: "迪拜法律承认区块链记录作为法律证据", disputeResolution: "迪拜国际仲裁中心(DIAC)或DIFC法院", }, tradingRequirements: { allowedCurrencies: ["AED", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["迪拜", "阿联酋", "虚拟资产", "VARA", "DFSA", "DIFC", "RWA代币化"], lastUpdated: now, crawledAt: now, source: "AE_VARA", relevance: 0.95, }, { ruleId: "EU_DIGITAL_ASSETS_TRADING_001", jurisdiction: "EU", jurisdictionName: "欧盟", regulator: "ESMA", assetClass: "DigitalAssets", category: "数字资产", ruleType: "trading_permission", ruleName: "欧盟 MiCA 数字资产交易规则", ruleNameEn: "EU MiCA Digital Asset Trading Rule", content: "欧盟《加密资产市场法规》(MiCA) 数字资产交易规则（2024年全面生效）：1.资产分类：资产参考代币（ART）锚定多种资产，如 XTZH（SDR锚定）；电子货币代币（EMT）锚定单一法币；其他加密资产功能型代币等。2.发行人要求：ART 发行人须在欧盟成员国获得授权；须维持充足储备资产（≥发行量的100%）；须向 ESMA 提交白皮书。3.交易平台（CASP）要求：须在成员国监管机构注册；须遵守 MiFID II 组织要求；须实施 DORA（数字运营弹性法案）。4.XTZH 特别说明：XTZH 作为 SDR 锚定稳定币，属于 ART 类别；在欧盟使用须获得 ART 发行授权。", legalBasis: "MiCA法规(EU) 2023/1114、MiFID II、GDPR、DORA", sourceUrl: "https://www.esma.europa.eu/press-news/esma-news/esma-publishes-final-guidelines-mifid-ii-product-governance", ownershipRequirements: { proofDocuments: ["CASP注册证明", "白皮书", "储备资产证明", "GDPR合规声明"], registrationRequired: true, registrationAuthority: "欧盟成员国监管机构（如BaFin/AMF/CONSOB）", transferMechanism: "MiCA授权CASP执行 + GDPR合规数据处理", chainRecognition: "MiCA框架下链上记录具有法律效力", }, tradingRequirements: { settlementPeriod: "T+2（MiFID II要求）", allowedCurrencies: ["EUR", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["欧盟", "MiCA", "数字资产", "CASP", "ART", "XTZH", "ESMA", "MiFID II"], lastUpdated: now, crawledAt: now, source: "EU_ESMA_MICA", relevance: 0.95, }, { ruleId: "CN_REALESTATE_OWNERSHIP_001", jurisdiction: "CN", jurisdictionName: "中国", regulator: "自然资源部/住建部", assetClass: "RealEstate", category: "不动产", ruleType: "ownership_verification", ruleName: "中国不动产所有权验证规则", ruleNameEn: "China Real Estate Ownership Verification Rule", content: "中国不动产资产上链所有权验证要求：1.产权文件：不动产权证书（统一登记证书，2015年后颁发）；不动产登记簿查询证明（自然资源部不动产登记中心）；无抵押/无查封证明；土地使用权证（国有土地/集体土地）。2.外资限制：外商投资企业购买商业地产须符合《外商投资法》；外籍个人购买住宅须满足：在境内工作/学习满1年，且只能购买1套；农业用地：外资不得持有。3.所有权转移机制：须在当地不动产登记中心完成登记；须缴纳契税（3%-5%）；链上转移须同步更新不动产登记系统；注意：中国目前不承认区块链记录替代官方登记。4.特别注意：中国实行土地国有制，个人只持有土地使用权（70年住宅/50年商业）；链上确权须特别说明：链上记录为辅助证明，官方登记为主要证明。", legalBasis: "《不动产登记暂行条例》、《物权法》、《外商投资法》、《土地管理法》", sourceUrl: "http://www.csrc.gov.cn/csrc/c101954/zfxxgk_zdgk.shtml", ownershipRequirements: { proofDocuments: ["不动产权证书", "不动产登记簿查询证明", "无抵押证明", "土地使用权证", "契税完税证明"], registrationRequired: true, registrationAuthority: "当地不动产登记中心（自然资源部系统）", transferMechanism: "不动产登记中心登记 + 链上辅助记录", chainRecognition: "中国目前不承认区块链记录替代官方不动产登记，链上记录仅作辅助证明", disputeResolution: "中国法院 / 中国国际经济贸易仲裁委员会(CIETAC)", foreignOwnershipRestriction: "外籍个人限购1套住宅；农业用地禁止外资；商业地产须符合外商投资法", }, complianceLevel: "mandatory", tier: 2, tags: ["中国", "不动产", "所有权", "不动产权证书", "土地使用权", "外资限制", "CIETAC"], lastUpdated: now, crawledAt: now, source: "CN_REALESTATE", relevance: 0.90, }, { ruleId: "CN_SECURITIES_TRADING_001", jurisdiction: "CN", jurisdictionName: "中国", regulator: "CSRC/证监会", assetClass: "FinancialSecurities", category: "证券", ruleType: "trading_permission", ruleName: "中国证券交易合规规则", ruleNameEn: "China Securities Trading Compliance Rule", content: "中国证券资产上链交易合规要求：1.监管框架：证监会（CSRC）统一监管；A股：沪深交易所，仅限境内投资者（QFII/RQFII 除外）；B股：沪深交易所，允许外资；H股：香港交易所，国际投资者。2.数字资产特别规定：中国明确禁止加密货币交易（2021年9月通知）；禁止境内机构和个人参与虚拟货币相关业务；数字人民币（e-CNY）除外。3.证券代币化现状：中国尚未建立证券代币化监管框架；部分试点在上海、北京、广州进行；须通过监管沙盒申请。4.所有权转移：A股须通过中国证券登记结算公司（CSDC）；须实名制登记（一人一户）。5.跨境资本流动：须遵守外汇管理局（SAFE）规定；QFII/RQFII 额度限制。", legalBasis: "《证券法》、《关于进一步防范和处置虚拟货币交易炒作风险的通知》(2021)、《外汇管理条例》", sourceUrl: "http://www.csrc.gov.cn/csrc/c101954/c101955/c101960/index.shtml", ownershipRequirements: { proofDocuments: ["证券账户开户证明", "实名认证文件", "QFII/RQFII资格证明（外资）"], registrationRequired: true, registrationAuthority: "中国证券登记结算公司(CSDC)", transferMechanism: "CSDC登记结算 + 链上辅助记录（试点阶段）", chainRecognition: "中国目前无正式证券代币化法律框架，链上记录不具独立法律效力", }, complianceLevel: "mandatory", tier: 2, tags: ["中国", "证券", "CSRC", "A股", "CSDC", "禁止加密货币", "QFII", "外汇管制"], lastUpdated: now, crawledAt: now, source: "CN_CSRC_SECURITIES", relevance: 0.90, }, { ruleId: "JP_DIGITAL_ASSETS_TRADING_001", jurisdiction: "JP", jurisdictionName: "日本", regulator: "FSA", assetClass: "DigitalAssets", category: "加密资产", ruleType: "trading_permission", ruleName: "日本加密资产交易规则（FIEA/PSA）", ruleNameEn: "Japan Crypto Asset Trading Rule (FIEA/PSA)", content: "日本加密资产双轨监管框架：1.支付服务法（PSA）框架：加密资产交换业者须向 FSA 注册；须实施 FATF 旅行规则（2023年起）；须将客户资产与自有资产分离（冷钱包≥95%）。2.金融工具和交易法（FIEA）框架：证券型代币（ST）须通过 FIEA 发行；须向 FSA 注册为第一类金融工具业者；须提交有价证券报告书。3.所有权验证：须实施严格 KYC（本人确认法）；须核实资产来源（犯罪收益转移防止法）。4.RWA 代币特别规定：FSA 2023年《ST 研究会报告》支持 RWA 代币化；不动产 ST 须通过不动产特定共同事业法；须在 FSA 注册的 ST 交易所交易。", legalBasis: "《支付服务法》(PSA)、《金融工具和交易法》(FIEA)、《本人确认法》、《犯罪收益转移防止法》", sourceUrl: "https://www.fsa.go.jp/en/policy/virtual_currency/index.html", ownershipRequirements: { proofDocuments: ["FSA注册证明", "本人确认文件", "资产来源证明", "有价证券报告书（ST）"], registrationRequired: true, registrationAuthority: "日本金融厅(FSA)", transferMechanism: "FSA注册交易所执行 + FATF旅行规则合规", chainRecognition: "日本《电子记录债权法》支持区块链记录法律效力", }, tradingRequirements: { allowedCurrencies: ["JPY", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["日本", "加密资产", "PSA", "FIEA", "FSA", "证券型代币", "FATF", "不动产ST"], lastUpdated: now, crawledAt: now, source: "JP_FSA", relevance: 0.90, }, { ruleId: "GB_DIGITAL_ASSETS_TRADING_001", jurisdiction: "GB", jurisdictionName: "英国", regulator: "FCA", assetClass: "DigitalAssets", category: "加密资产", ruleType: "trading_permission", ruleName: "英国 FCA 加密资产交易规则", ruleNameEn: "UK FCA Crypto Asset Trading Rule", content: "英国金融行为监管局（FCA）加密资产监管框架：1.注册要求：所有在英国提供加密资产服务的企业须向 FCA 注册（MLR 2017）；须满足 AML/CFT 要求。2.金融促销规则（2023年10月起）：加密资产金融促销须经 FCA 批准或由 FCA 注册企业发布；须包含风险警示（加密资产高度波动，可能损失全部投资）。3.证券型代币：须遵守《金融服务和市场法》(FSMA 2000)；须在 FCA 授权的平台上交易。4.RWA 代币化：英国财政部 2023年《数字证券沙盒》支持 RWA 代币化；须通过 FCA 沙盒申请。5.稳定币：须遵守英国稳定币监管框架（2023年咨询文件）；须向 FCA 申请支付机构牌照。", legalBasis: "《金融服务和市场法》(FSMA 2000)、《洗钱条例》(MLR 2017)、FCA金融促销规则", sourceUrl: "https://www.fca.org.uk/firms/cryptoassets", ownershipRequirements: { proofDocuments: ["FCA注册证明", "KYC文件", "资产来源证明"], registrationRequired: true, registrationAuthority: "英国金融行为监管局(FCA)", transferMechanism: "FCA注册平台执行 + FATF旅行规则合规", chainRecognition: "英国《电子贸易文件法》(2023年)承认区块链记录法律效力", }, tradingRequirements: { allowedCurrencies: ["GBP", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["英国", "FCA", "加密资产", "MLR", "数字证券沙盒", "稳定币", "FSMA"], lastUpdated: now, crawledAt: now, source: "GB_FCA", relevance: 0.90, }, { ruleId: "AU_DIGITAL_ASSETS_TRADING_001", jurisdiction: "AU", jurisdictionName: "澳大利亚", regulator: "ASIC", assetClass: "DigitalAssets", category: "数字资产", ruleType: "trading_permission", ruleName: "澳大利亚 ASIC 数字资产交易规则", ruleNameEn: "Australia ASIC Digital Asset Trading Rule", content: "澳大利亚证券和投资委员会（ASIC）数字资产监管框架：1.金融产品分类：部分加密资产被认定为金融产品（须遵守《公司法》2001）；须向 ASIC 申请金融服务牌照（AFSL）。2.交易平台要求：须持有 AFSL 或通过授权代表运营；须遵守 ASIC 市场诚信规则。3.所有权验证：须实施 AML/CTF 要求（AUSTRAC 监管）；须遵守 FATF 旅行规则。4.RWA 代币化：ASIC 2022年《加密资产指引》支持 RWA 代币化；须通过 ASIC 创新中心（Innovation Hub）申请。5.稳定币：澳大利亚储备银行（RBA）正在研究稳定币监管框架；目前须遵守支付系统监管。", legalBasis: "《公司法》2001、《反洗钱和反恐融资法》(AML/CTF Act)、ASIC加密资产指引", sourceUrl: "https://asic.gov.au/regulatory-resources/digital-transformation/crypto-assets/", ownershipRequirements: { proofDocuments: ["AFSL牌照", "AUSTRAC注册证明", "KYC文件"], registrationRequired: true, registrationAuthority: "澳大利亚证券和投资委员会(ASIC) / AUSTRAC", transferMechanism: "AFSL持牌平台执行 + FATF旅行规则合规", chainRecognition: "澳大利亚《电子交易法》支持电子记录法律效力", }, tradingRequirements: { allowedCurrencies: ["AUD", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["澳大利亚", "ASIC", "AUSTRAC", "AFSL", "数字资产", "AML/CTF"], lastUpdated: now, crawledAt: now, source: "AU_ASIC", relevance: 0.85, }, { ruleId: "CH_DIGITAL_ASSETS_TRADING_001", jurisdiction: "CH", jurisdictionName: "瑞士", regulator: "FINMA", assetClass: "DigitalAssets", category: "数字资产", ruleType: "trading_permission", ruleName: "瑞士 FINMA 数字资产交易规则（DLT法）", ruleNameEn: "Switzerland FINMA Digital Asset Trading Rule (DLT Act)", content: "瑞士金融市场监管局（FINMA）数字资产监管框架（全球最友好之一）：1.DLT 交易设施（2021年《DLT法》）：新设 DLT 交易设施牌照（介于交易所和OTC平台之间）；允许零售和机构投资者直接参与；须向 FINMA 申请牌照。2.代币分类（FINMA 指引）：支付代币类似货币，AML 要求；功能型代币类似软件许可，无金融监管；资产代币类似证券，须遵守证券法。3.所有权验证：DLT 证券（DLT-Wertrechte）在《债法典》中具有法律效力；链上记录可直接作为所有权证明；须在 DLT 注册处完成登记。4.RWA 代币化：瑞士是全球 RWA 代币化最友好的司法辖区之一；楚格州（Crypto Valley）提供完善的法律框架；须通过 FINMA 沙盒或正式牌照。", legalBasis: "《分布式账本技术法》(DLT法)、《债法典》(OR)、FINMA《ICO指引》", sourceUrl: "https://www.finma.ch/en/documentation/finma-guidance/", ownershipRequirements: { proofDocuments: ["FINMA牌照/注册证明", "DLT注册处登记证明"], registrationRequired: true, registrationAuthority: "瑞士金融市场监管局(FINMA) / DLT注册处", transferMechanism: "DLT交易设施执行 + 链上记录直接作为所有权证明", chainRecognition: "《DLT法》明确承认链上记录具有与传统证券相同的法律效力", }, tradingRequirements: { allowedCurrencies: ["CHF", "EUR", "USD", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["瑞士", "FINMA", "DLT法", "Crypto Valley", "楚格", "DLT证券", "资产代币"], lastUpdated: now, crawledAt: now, source: "CH_FINMA", relevance: 0.90, }, { ruleId: "GLOBAL_COMMODITIES_TRADING_001", jurisdiction: "GLOBAL", jurisdictionName: "全球通用", regulator: "IOSCO/CFTC/FCA", assetClass: "Commodities", category: "大宗商品", ruleType: "trading_permission", ruleName: "大宗商品代币化交易规则", ruleNameEn: "Commodity Tokenization Trading Rule", content: "大宗商品资产代币化交易核心规则：1.实物背书要求：每个大宗商品代币须有等量实物资产背书；须经独立第三方审计机构定期审计（至少每季度）；须在认可的仓储机构（如 LME 认可仓库）存放实物。2.所有权证明：仓单（Warehouse Receipt）须为可转让仓单；质量证书（Quality Certificate）须符合国际标准（如 LBMA 黄金标准）；保险证明须有足额保险。3.交易规则：须在 CFTC/FCA/MAS 等认可的商品交易所或 OTC 平台交易；须遵守各商品交易所的交割规则；须实施仓位限制（防止市场操纵）。4.贵金属特别规定：黄金须符合 LBMA（伦敦金银市场协会）标准；白银须符合 LBMA 白银标准。5.能源商品特别规定：原油须符合 ICE/NYMEX 标准。", legalBasis: "IOSCO商品市场原则、CFTC商品交易法、LBMA黄金标准、LME规则", sourceUrl: "https://www.iosco.org/library/pubdocs/pdf/IOSCOPD734.pdf", ownershipRequirements: { proofDocuments: ["可转让仓单", "质量证书", "保险证明", "第三方审计报告"], registrationRequired: true, registrationAuthority: "认可商品交易所 / 仓储机构", transferMechanism: "仓单转让 + 链上同步更新", chainRecognition: "仓单代币化在多个司法辖区已获法律认可（如新加坡、英国）", }, tradingRequirements: { settlementPeriod: "T+2（现货）/ 合约到期日（期货）", allowedCurrencies: ["USD", "EUR", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["大宗商品", "黄金", "白银", "原油", "仓单", "LBMA", "LME", "实物背书"], lastUpdated: now, crawledAt: now, source: "GLOBAL_COMMODITIES", relevance: 0.90, }, { ruleId: "GLOBAL_CARBON_TRADING_001", jurisdiction: "GLOBAL", jurisdictionName: "全球通用", regulator: "UNFCCC/ICVCM", assetClass: "EnvironmentalRights", category: "碳排放权", ruleType: "trading_permission", ruleName: "碳排放权代币化交易规则", ruleNameEn: "Carbon Credit Tokenization Trading Rule", content: "碳排放权代币化交易核心规则：1.碳信用标准：自愿碳市场须符合 VCS（Verra）、Gold Standard 或 ICVCM Core Carbon Principles；强制碳市场须符合所在司法辖区规定（如 EU ETS、中国全国碳市场）。2.所有权证明：碳信用注册证明（Verra/Gold Standard 注册系统）；碳信用序列号（唯一标识）；核查机构报告（DOE/VVB 认证）。3.防止双重计算：须在注册系统中注销（Retire）碳信用后才能上链；链上记录须与注册系统实时同步；须防止同一碳信用在多个系统重复使用。4.交易规则：自愿碳市场可在 Xpansiv、ACX 等平台交易；EU ETS 须在 EU ETS 注册系统中交易；中国碳市场须在上海环境能源交易所交易。5.XTZH 结算：碳信用交易可使用 XTZH 结算。", legalBasis: "《巴黎协定》第6条、ICVCM Core Carbon Principles、EU ETS指令、中国《碳排放权交易管理办法》", sourceUrl: "https://icvcm.org/the-core-carbon-principles/", ownershipRequirements: { proofDocuments: ["碳信用注册证明", "核查机构报告", "注销证明（Retirement Certificate）"], registrationRequired: true, registrationAuthority: "Verra/Gold Standard/EU ETS注册系统/全国碳排放权注册登记系统", transferMechanism: "注册系统注销 + 链上铸造，防止双重计算", }, tradingRequirements: { allowedCurrencies: ["USD", "EUR", "CNY", "XTZH"], }, complianceLevel: "mandatory", tier: 1, tags: ["碳排放权", "碳信用", "VCS", "Gold Standard", "EU ETS", "中国碳市场", "双重计算"], lastUpdated: now, crawledAt: now, source: "GLOBAL_CARBON", relevance: 0.90, }, { ruleId: "GLOBAL_IP_OWNERSHIP_001", jurisdiction: "GLOBAL", jurisdictionName: "全球通用", regulator: "WIPO", assetClass: "IntellectualProperty", category: "知识产权", ruleType: "ownership_verification", ruleName: "知识产权代币化所有权验证规则", ruleNameEn: "Intellectual Property Tokenization Ownership Verification Rule", content: "知识产权资产代币化所有权验证要求：1.专利权：须提供专利证书（Patent Certificate）；须在 WIPO 或国家专利局完成登记；须确认专利有效期（发明专利20年，实用新型10年）。2.商标权：须提供商标注册证；须在 WIPO 马德里体系或国家商标局完成登记；须确认商标有效期（通常10年，可续展）。3.版权：须提供版权登记证明（部分国家强制登记）；须确认版权归属（创作者/受让人）；须核实版权有效期（通常作者死后70年）。4.所有权转移：须签署知识产权转让协议；须在相关知识产权局完成变更登记；链上转移须同步更新知识产权登记记录。5.许可与使用：可通过 Charter 合约实现自动化版税分配；须明确许可范围、期限、地域。", legalBasis: "《伯尔尼公约》、《巴黎公约》、WIPO条约、各国知识产权法", sourceUrl: "https://www.wipo.int/ip-outreach/en/ipday/2023/", ownershipRequirements: { proofDocuments: ["知识产权证书（专利/商标/版权）", "知识产权局登记证明", "转让协议", "有效期证明"], registrationRequired: true, registrationAuthority: "WIPO / 国家知识产权局", transferMechanism: "知识产权转让协议 + 知识产权局变更登记 + 链上同步", chainRecognition: "部分司法辖区已承认区块链时间戳作为版权创作时间证明", }, complianceLevel: "mandatory", tier: 1, tags: ["知识产权", "专利", "商标", "版权", "WIPO", "版税", "Charter合约"], lastUpdated: now, crawledAt: now, source: "GLOBAL_IP", relevance: 0.85, }, { ruleId: "EU_REALESTATE_OWNERSHIP_001", jurisdiction: "EU", jurisdictionName: "欧盟", regulator: "ESMA/各成员国", assetClass: "RealEstate", category: "房地产", ruleType: "ownership_verification", ruleName: "欧盟房地产所有权验证规则", ruleNameEn: "EU Real Estate Ownership Verification Rule", content: "欧盟房地产资产上链所有权验证要求：1.产权文件（各成员国有所不同）：德国：土地登记簿（Grundbuch）摘录，须经公证人（Notar）认证；法国：土地登记处（Cadastre）证明 + 公证人（Notaire）认证；西班牙：土地登记处（Registro de la Propiedad）证明；荷兰：土地登记处（Kadaster）证明。2.外资限制：欧盟公民无限制；非欧盟公民部分成员国有限制（如匈牙利农业用地）；须遵守欧盟外资审查框架（FDI Screening Regulation）。3.所有权转移：须经公证人认证；须在当地土地登记处完成登记；链上转移须同步更新土地登记处记录。4.税务合规：须遵守 DAC6（跨境税务安排申报指令）。", legalBasis: "欧盟外资审查法规(EU) 2019/452、DAC6指令、各成员国土地登记法", sourceUrl: "https://ec.europa.eu/info/business-economy-euro/doing-business-eu/investment_en", ownershipRequirements: { proofDocuments: ["土地登记证明（各国格式不同）", "公证人认证书", "外资审查批准（如适用）", "税务合规证明"], registrationRequired: true, registrationAuthority: "各成员国土地登记处", transferMechanism: "公证人认证 + 土地登记处登记 + 链上同步", chainRecognition: "欧盟eIDAS法规支持电子签名和区块链记录的法律效力", foreignOwnershipRestriction: "非欧盟公民须遵守FDI审查框架", }, complianceLevel: "mandatory", tier: 1, tags: ["欧盟", "房地产", "所有权", "公证人", "土地登记", "FDI审查", "eIDAS"], lastUpdated: now, crawledAt: now, source: "EU_REALESTATE", relevance: 0.90, }, ]; // 写入规则 let inserted = 0; let updated = 0; for (const rule of TRADING_RULES) { const existing = db.compliance_rules.findOne({ ruleId: rule.ruleId }); if (existing) { db.compliance_rules.updateOne({ ruleId: rule.ruleId }, { $set: rule }); updated++; } else { db.compliance_rules.insertOne({ ...rule, _createdAt: new Date() }); inserted++; } } print("=== NAC 贸易规则写入完成 ==="); print("新增: " + inserted + " 条"); print("更新: " + updated + " 条"); print("总规则数: " + db.compliance_rules.countDocuments()); print("含content字段: " + db.compliance_rules.countDocuments({ content: { $exists: true } })); print("含ownershipRequirements: " + db.compliance_rules.countDocuments({ ownershipRequirements: { $exists: true } })); // 建立索引 try { db.compliance_rules.createIndex({ jurisdiction: 1, assetClass: 1, ruleType: 1 }); db.compliance_rules.createIndex({ tier: 1, relevance: -1 }); db.compliance_rules.createIndex({ tags: 1 }); db.compliance_rules.createIndex({ ruleId: 1 }, { unique: true, sparse: true }); print("索引建立成功"); } catch(e) { print("索引建立: " + e.message); } // 辖区分布 print("\n辖区分布:"); db.compliance_rules.aggregate([ { $group: { _id: "$jurisdiction", count: { $sum: 1 } } }, { $sort: { count: -1 } } ]).forEach(r => print(" " + r._id + ": " + r.count));