8月1日起黄金买卖大变化！现金交易超10万必须登记

Core Points - The People's Bank of China has announced new anti-money laundering and counter-terrorism financing regulations for the precious metals and gemstones industry, effective from August 1, 2025 [1][3] - The regulations require institutions to identify customers and record transaction information for cash purchases exceeding 100,000 RMB [1][3] Background - The new regulations are a response to an increase in illegal fund transfers through precious metal transactions and the ongoing upgrade of international anti-money laundering standards [3] - The aim is to enhance the anti-money laundering regulatory framework and mitigate risks associated with money laundering and terrorist financing [3] Impact on Consumers - Normal purchasing activities for consumers, such as buying wedding jewelry or investment gold bars, will not be affected as long as they comply with the regulations [5] - The only change is that cash transactions over 100,000 RMB will require valid identification for registration [5] - Online transactions and non-cash payment methods are exempt from these restrictions, suggesting that consumers may prefer bank transfers for large purchases [5] Industry Response - The gold industry has quickly reacted, with several gold stores beginning employee training on the new identification registration system [7] - Some customers have preemptively placed orders due to concerns about potential complications from the new regulations, although the registration process is expected to be straightforward [7] - A short-term increase in gold purchases is anticipated, followed by a return to normal market conditions [7] Expert Recommendations - Financial experts advise consumers to choose legitimate channels for purchasing precious metals and to keep purchase receipts [9] - For investment purposes, products like bank paper gold and gold ETFs are recommended for their convenience and to avoid the hassle of physical storage [9] - The implementation of the new regulations is expected to help standardize market order and protect consumer rights, contributing positively to the long-term health of the gold market [9]