2025.11. 28 本文字数：2214，阅读时长大约4分钟 作者 | 第一财经 杜川 央行、金融监管总局、证监会于11月28日对外发布《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》 （下称《办法》），明确取消规定金额以上现金存取需登记资金来源或用途的硬性要求，与几个月前的征求意见稿保持一 致。目前来看，《办法》更加强调金融机构基于风险开展客户尽职调查，把握好洗钱风险防控和优化金融服务的平衡。 该专家强调，客户尽职调查是金融机构履行反洗钱义务的核心环节，也是识别异常情形、阻断洗钱活动的重要防线。随着 对洗钱及相关犯罪的监测和打击力度不断增强，犯罪分子利用金融渠道进行洗钱的方式更加复杂、隐蔽。在实际案例中， 不法分子组织批量开户、控制他人银行和第三方支付账户转移资金、安排人员多次分散取现等做法并不鲜见。通过伪装业 务场景、分拆交易、复杂化资金流转路径等，规避监测打击。这无疑对金融机构反洗钱工作提出了更高要求。 平衡安全与便利 实践中，金融机构在开展客户尽职调查、向客户获取更多信息的过程中，可能会引起社会公众关于此举正当性的疑问和触 及个人隐私的隐忧。 从内容来看，《办法》以风险导向为核心，杜绝尽 ...

Core Viewpoint - The central theme of the news is the introduction of a new regulatory framework that emphasizes risk-based customer due diligence in financial institutions, removing the rigid requirement for cash transactions above a certain amount to register the source or purpose of funds [1][5]. Group 1: Regulatory Changes - The new regulation, titled "Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Management," was released by the central bank, financial regulatory authority, and securities regulatory commission on November 28 [1]. - The regulation aligns with previous drafts and focuses on balancing anti-money laundering (AML) risk prevention with the optimization of financial services [1][5]. Group 2: Risk-Based Due Diligence - The regulation mandates financial institutions to conduct customer due diligence based on the risk profile of clients, avoiding a one-size-fits-all approach [2]. - Financial institutions are required to simplify due diligence for clients with low money laundering risks while implementing enhanced measures for high-risk scenarios [2][5]. - For example, routine transactions from clients with stable income sources do not require extensive documentation, while unusual large transactions trigger a need for further investigation [3]. Group 3: Balancing Security and Convenience - The implementation of customer due diligence may raise public concerns regarding privacy and the legitimacy of information requests [4]. - There is a need to balance the demand for quick financial services with the necessity of ensuring fund security, especially in light of rising financial crimes [4][5]. - The regulation aims to address this balance by allowing necessary due diligence while protecting personal privacy, in line with international standards [5]. Group 4: Distinction Between AML and Fraud Prevention - The news highlights the distinction between anti-money laundering efforts and anti-fraud measures, clarifying that they operate under different legal frameworks and objectives [6]. - Anti-money laundering focuses on preventing and curbing money laundering activities, while anti-fraud measures target the prevention and punishment of telecom and internet fraud [6].

Core Viewpoint - The People's Bank of China has released the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Retention" emphasizing a risk-based approach to customer due diligence, balancing anti-money laundering (AML) risk prevention and the optimization of financial services [1][2]. Group 1: Risk-Based Approach - The management measures require financial institutions to conduct customer due diligence based on customer characteristics and the nature of transaction activities, avoiding measures that are clearly mismatched with the money laundering risk status [1][3]. - The measures aim to address the tension between the public's desire for convenient financial services and the need for security against rising criminal activities such as telecom fraud and online gambling [1][2]. Group 2: Simplified Measures for Low-Risk Situations - Financial institutions are instructed to adopt simplified measures for low money laundering risk scenarios, while implementing enhanced due diligence for high-risk situations [3][4]. - For example, if a customer's income source is clear and transactions are stable, banks may only require basic identity verification without additional documentation [4]. Group 3: Privacy Protection and Due Diligence - The management measures highlight that conducting customer due diligence does not conflict with personal privacy protection, as it is essential for preventing the financial system from being exploited by criminal activities [5][6]. - Financial institutions are required to maintain confidentiality of customer identity and transaction information obtained during due diligence, with legal consequences for violations [7]. Group 4: Distinction Between Anti-Money Laundering and Fraud Prevention - There is a clear distinction between anti-money laundering efforts and anti-fraud measures, with each having different legal bases, methodologies, and objectives [7]. - Anti-money laundering relies on customer due diligence and transaction monitoring, focusing on preventive measures tailored to specific risk scenarios [7].

Core Viewpoint - The 15th China Anti-Money Laundering Summit Forum emphasizes the importance of anti-money laundering (AML) as a key component of financial security governance and a foundational system for maintaining national financial security and promoting governance modernization in China [1] Group 1: Forum Context and Theme - The forum is held during a critical period as China prepares for the fifth round of international AML assessments, highlighting the need for high-quality development and high-level security [1] - The theme of the forum is "Welcoming Evaluation to Promote Construction and Improve Efficiency, Strengthening Foundations to Safeguard Security," focusing on key points of international assessment and challenges in AML work [1] Group 2: Expert Insights - Experts at the forum view the upcoming evaluation as not only a significant test but also an opportunity for China to transition its AML efforts from mere compliance to substantive effectiveness [1] - Wang Jing, a senior official from the People's Bank of China, stresses the need to transform the evaluation work into a driving force for enhancing industry governance capabilities and to prepare thoroughly for the assessment [2] Group 3: Strategic Initiatives - The People's Bank of China aims to develop a comprehensive AML strategy and planning, including establishing a long-term mechanism to combat money laundering crimes and normalizing current three-year action plans [2] - The focus will also be on addressing shortcomings and enhancing the effectiveness of AML efforts [2] Group 4: Technological Advancements - Kong Fanying, Deputy Director of the AML Monitoring and Analysis Center, discusses the importance of leveraging artificial intelligence and other technologies to improve monitoring efficiency while ensuring data security and privacy protection [2] - The goal is to break down data silos and create an intelligent monitoring network to better address complex financial risks [2] Group 5: Future Outlook - Yan Lixin, Executive Director of the Fudan University Anti-Money Laundering Research Center, concludes that the AML sector in China is entering a new stage of high-quality development, emphasizing the need for the industry to strengthen its foundations and internal capabilities to turn challenges into opportunities [3]

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Group 1 - The core message of the news is the importance of enhancing financial security awareness among university students to protect their assets from money laundering and fraud [1][2] - The event titled "Guarding Youth, Staying Away from Money Laundering Traps" was organized by Industrial Bank Urumqi Branch in collaboration with local law enforcement to provide practical financial safety education [1] - The police presented real-life cases of new fraud methods, emphasizing the legal risks associated with lending or renting out bank cards, and advised students to adhere to the "three no's" principle: do not disclose personal information, do not click on unknown links, and do not transfer money blindly [1] Group 2 - An interactive segment featuring a "Rabbit Officer" engaged students, making the atmosphere lively and facilitating learning through case discussions and knowledge quizzes [2] - The bank distributed a "Fraud Prevention Handbook" that includes practical knowledge on common scams and emergency response procedures, serving as a personal safety guide for students [2] - The event combined professional financial knowledge with engaging activities, aiming to educate students and extend the impact to their families and the broader community, thereby promoting a safer campus and stable financial environment [2]

Core Viewpoint - Money laundering is a criminal act that disguises the origins of illegally obtained money from various crimes, including drug trafficking, organized crime, terrorism, smuggling, corruption, and financial fraud [2]. Group 1: Money Laundering Mechanism - Criminals often use methods to launder money that involve creating a facade of legitimacy for illicit funds [2]. - A common scheme involves individuals being misled into participating in money laundering under the guise of obtaining loans, where they are instructed to transfer funds to accounts controlled by criminal organizations [6][8]. Group 2: Case Study of Small Business Owner - A small business owner, referred to as Xiao Li, faces financial difficulties and seeks quick funding solutions [5]. - Xiao Li is approached by a fake bank loan officer who instructs him to increase his account transaction volume through illicit means, leading to his account being frozen after multiple transfers [6][8]. - Ultimately, Xiao Li becomes an unwitting accomplice in the money laundering scheme, facing legal repercussions instead of securing the needed funds [8].

太子集团案正撬开新加坡金融体系的"第二道裂缝"——数字资产、家办结构与专业服务机构叠加后的新型洗钱链。 大规模资产查扣、家办税优撤销、跨境协查升级，正在推动新加坡进入前所未有的"反向审查"周期。 监管焦点也从"钱是否合法"转向"谁在帮它洗白"：家族办公室（以下简称"家办"）、律师事务所、企业服务公司等"看门人"被纳入同一风险视角。 2022–2024年，新加坡通过《金融服务与市场法》，获得监管跨境代币服务的权力； 全球资金将继续流向新加坡，但"带着东南亚诈骗园区的钱来镀金"的时代正在被制度加速关上。 新加坡陷"打地鼠"困境 上个月，新加坡警方对多个地点展开突击行动，查扣逾1亿美元资产、一艘豪华游艇、多辆豪车，并冻结相关账户，行动目标直指柬埔寨太子集团操控的 跨国加密诈骗网络。 这起案件叠加2023年涉案逾30亿新元的史上最大洗钱案，再次将这座以廉洁与法治著称的亚洲金融中心推向"风口"。 尽管监管持续收紧，新加坡仍面临与跨国诈骗组织的"打地鼠困境"——传统金融漏洞刚被堵住，数字货币、跨境结构和灰色交易又迅速成为新的套利窗 口。 新加坡金管局（MAS）近期回应称："开窗通风，苍蝇也会飞进来。不是关上窗户，而是要更 ...

Core Viewpoint - The Nepalese government has implemented new regulations requiring all transactions of precious metals and jewelry valued over 1 million NPR to be conducted through bank channels to combat money laundering [1] Group 1: Regulatory Changes - Merchants are mandated to use corporate bank accounts for receiving payments, prohibiting the use of personal accounts [1] - Buyers must make payments through their own or family members' bank accounts for transactions exceeding 1 million NPR [1] Group 2: Enforcement Measures - A tiered penalty system has been established to enforce the new regulations: initial violations will receive a warning, subsequent violations will incur a fine of 1 million NPR, and repeated offenses may lead to the revocation of business licenses [1] Group 3: Objectives - This initiative is a critical measure for Nepal to exit the "grey list" of the Financial Action Task Force (FATF), aiming to enhance financial transparency [1]

Group 1 - The People's Bank of China has conducted a third assessment of money laundering and terrorist financing risks, following previous evaluations in 2017 and 2022 [1] - The report indicates that China's overall money laundering risk remains at a moderate level, consistent with the findings from 2022 [1] - The banking sector faces high money laundering threats due to its large asset scale, complex business types, and diverse customer base, with an increase in account numbers and remittance volumes since the last assessment [1] Group 2 - The non-bank payment industry is also exposed to significant money laundering risks, particularly in the context of online criminal activities such as telecom fraud and online gambling, which have heightened inherent risks [1] - In the precious metals and gemstones sector, gold is particularly vulnerable to money laundering due to its high value, strong liquidity, and ease of concealment, although large gold retailers have improved their compliance awareness and anti-money laundering measures [2]