8月1日起实施！现金买黄金、钻石超过10万元需上报

Core Points - The People's Bank of China has issued new regulations to enhance anti-money laundering (AML) measures for precious metals and gemstones, raising the threshold for reporting large transactions from 50,000 RMB to 100,000 RMB, effective from August 1, 2025 [1][2]. Group 1: Regulatory Changes - The new regulation requires reporting of cash transactions of 100,000 RMB or more, or equivalent foreign currency, within five working days to the Anti-Money Laundering Monitoring and Analysis Center [2]. - The previous threshold for reporting was set at 50,000 RMB or equivalent to 10,000 USD, indicating a significant increase in the reporting limit [2]. Group 2: Institutions Covered - The regulations apply to all institutions engaged in the spot trading of precious metals and gemstones within the People's Republic of China [3][4]. - Various entities, including financial institutions and businesses involved in the sale and pawn of gold and gemstones, are required to comply with the new AML obligations [4]. Group 3: Industry Context - The precious metals trading sector is considered a high-risk area for money laundering and terrorist financing due to large transaction amounts and high liquidity [4]. - The evolving complexity of money laundering techniques necessitates stricter regulations to ensure financial security and stability [4].