反洗钱宣传月 | 全民反洗钱 护航新生活（一）

Core Viewpoint - The newly revised Anti-Money Laundering Law of the People's Republic of China was passed by the Standing Committee of the National People's Congress and will take effect on January 1, 2025, marking a significant milestone in the development of China's anti-money laundering efforts [3]. Group 1: Definition and Scope - Anti-money laundering refers to measures taken to prevent activities that conceal or disguise the source and nature of criminal proceeds [6]. - The law addresses various types of crimes, including organized crime, drug-related crime, terrorism, smuggling, financial fraud, and corruption [6]. Group 2: Implementation and Oversight - The People's Bank of China is responsible for nationwide anti-money laundering supervision and management, with other relevant departments fulfilling their supervisory roles within their respective responsibilities [10][11]. - Financial institutions are required to establish internal control systems for anti-money laundering, appoint dedicated personnel, and conduct regular risk assessments [17]. Group 3: Customer Due Diligence - Financial institutions must conduct customer due diligence, including verifying the identity of customers and understanding the purpose of business relationships and transactions [19]. - Institutions are prohibited from providing services to unidentified customers or opening anonymous accounts [21]. Group 4: Reporting Obligations - Financial institutions must report large transactions and suspicious activities to the anti-money laundering monitoring and analysis agency [27]. - They are required to develop and optimize monitoring standards to effectively identify and analyze suspicious transactions [27]. Group 5: Special Measures and Confidentiality - All units and individuals must comply with special preventive measures against money laundering as required by national authorities, including stopping services to sanctioned individuals [33]. - Customer identity and transaction information obtained for anti-money laundering purposes must be kept confidential and not disclosed without legal authorization [35].