反洗钱监管再升级！8月1日起现金买黄金、钻石超10万元需上报

Core Viewpoint - The People's Bank of China has issued the "Management Measures for Anti-Money Laundering and Anti-Terrorist Financing for Precious Metals and Gemstone Practitioners," which will take effect on August 1, 2025, expanding the scope of anti-money laundering regulations to cover the entire industry chain of precious metals and gemstones [1][3]. Group 1: Regulatory Changes - The new regulations clarify the applicable entities, starting amount for reporting large transactions, and specific circumstances for customer due diligence, bringing all precious metals and gemstones businesses under anti-money laundering supervision [3][5]. - The threshold for submitting large transaction reports has been raised from 50,000 RMB to 100,000 RMB, requiring numerous precious metals and gemstone retail outlets to comply [3][6]. Group 2: Compliance Requirements - Practitioners must adhere to the "Know Your Customer" principle, conducting due diligence based on customer characteristics and transaction nature, particularly for cash transactions of 100,000 RMB or more [3][5]. - Institutions are required to verify customer identities using reliable identification documents and maintain records of essential customer information [3][5]. Group 3: Industry Context - The precious metals sector is considered a high-risk area for money laundering and terrorist financing due to the large transaction amounts and high liquidity associated with these assets [5]. - Criminal activities often involve purchasing large quantities of gold for quick cash conversion, which complicates the tracking of illicit funds, especially when cash payments are used [5][6].