8月1日起，现金买黄金超10万元将需上报

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," aimed at preventing money laundering and terrorist financing activities in the industry [1][2]. Group 1: General Provisions - The measures are designed to strengthen and standardize anti-money laundering (AML) efforts in the precious metals and gemstones sector, in accordance with relevant laws [2][3]. - Institutions engaged in cash transactions of 100,000 RMB or more (including 100,000 RMB) must report large transactions to the Anti-Money Laundering Monitoring and Analysis Center within five working days [2][24]. Group 2: Responsibilities of Practitioners - Practitioners must fulfill their AML obligations and cooperate with AML investigations, ensuring confidentiality of customer identity and transaction information [6][5]. - Institutions are required to establish internal controls based on their exposure to money laundering risks and business scale, with higher-risk institutions subject to stricter regulatory measures [12][14]. Group 3: Self-Regulatory Mechanism - The industry is to establish a self-regulatory mechanism for AML, guided by the People's Bank of China, which includes responsibilities such as risk assessment and reporting [7][8]. - Self-regulatory organizations must ensure that their AML staff possess the necessary professional capabilities and ethics [8][10]. Group 4: Customer Due Diligence - Institutions must conduct customer due diligence based on the risk profile of clients, especially for transactions exceeding 100,000 RMB or when there are suspicions of money laundering [15][19]. - Enhanced due diligence measures are required for clients from high-risk jurisdictions or those involved in suspicious activities [20][21]. Group 5: Reporting Obligations - Institutions must submit suspicious transaction reports to the Anti-Money Laundering Monitoring and Analysis Center if they suspect any transactions are related to money laundering, regardless of the amount involved [25][26]. - Customer identity and transaction records must be retained for at least ten years, ensuring they can be traced for AML purposes [27][26]. Group 6: Legal Responsibilities - The People's Bank of China and its branches will impose penalties for violations of the AML measures, including self-regulatory breaches and failure to report suspicious activities [31][33]. - Institutions must take special preventive measures against entities listed in specific sanction lists related to terrorism and money laundering risks [28][29].