现金购金宝石超10万需上报，央行反洗钱新规8月1日生效

Core Viewpoint - The People's Bank of China has issued new regulations aimed at enhancing anti-money laundering (AML) measures for precious metals and gemstones trading institutions, effective from August 1 [1][3]. Group 1: Regulatory Changes - The new regulation raises the reporting threshold for cash transactions from 50,000 RMB to 100,000 RMB, expanding the number of precious metals and gemstones businesses subject to regulation [3]. - Precious metals, defined to include gold, silver, platinum, and their various forms, along with gemstones like diamonds and jade, are now under stricter AML obligations [3]. Group 2: Compliance Requirements - Institutions engaged in cash transactions of 100,000 RMB or more must fulfill AML obligations, including customer due diligence and reporting large transactions within five working days to the Anti-Money Laundering Monitoring and Analysis Center [3]. - The regulation emphasizes the "Know Your Customer" principle, requiring enhanced scrutiny in cases of significant cash transactions or suspicion of money laundering activities [3]. Group 3: Impact on Financial Stability - The introduction of these regulations is expected to close loopholes used by criminals for money laundering, thereby contributing to the maintenance of financial order and social stability [4]. - In 2024, the People's Bank of China, in collaboration with other departments, has already made significant progress in combating money laundering, receiving over 11,000 suspicious transaction reports and assisting in the resolution of numerous cases [4].