通过宣传，累计发放宣传折页60余份，参与员工50余人次，员工们对洗钱犯罪有了更清晰的认知，提升 了风险识别技能，纷纷表示后续生活工作中能更好的保护自身权益。中国民生银行济宁微山支行表示将 继续做好反洗钱宣传工作，将更多的反洗钱知识送入千家万户，筑起一道牢固的安全防护墙，保护群众 合法权益。 为进一步巩固宣传效果，工作人员巧妙利用员工空闲间隙开展反洗钱知识微课堂，讲解近期典型的风险 案例，深入剖析案例特点，还原犯罪分子如何利用"虚假贸易"、"虚开发票"、"跨境结算"、"跑分平 台"等手段清洗资金。不少员工表示，之前不了解，没想到洗钱犯罪就在我们身边，此次课堂使员工更 加了解明晰遇到洗钱行为如何快速识别、快速处置，切实保护好自身金融安全。 为践行社会责任，切实提升群众的反洗钱意识。中国民生银行济宁微山支行工作人员走进当地某包装企 业开展了一场别开生面的反洗钱宣传活动，通过发放宣传折页与开展微课堂的方式，将精心准备的反洗 钱知识"工具箱"精准送达一线员工手中。 在企业车间入口处，民生银行微山支行工作人员将一份份设计醒目、内容凝练的反洗钱宣传折页递到员 工手中，折页内容直击核心，精准聚焦风险防范，清晰定义"什么是洗钱 ...

为切实履行金融机构社会责任，提升企业员工对反洗钱工作的认识与重视程度，民生银行济宁兖州支行 积极行动，于2025年7月18日，走进兖州区某代发企业，开展了一场别开生面的共筑反洗钱坚固防线宣 传活动。 活动现场，民生银行济宁兖州支行的专业团队精心布置，通过摆放醒目的宣传展板、发放丰富多样的宣 传资料，如通俗易懂的宣传手册、生动有趣的宣传折页等，吸引了众多企业员工的关注。这些资料详细 介绍了洗钱活动的定义、多样手段以及严重危害，让大家对洗钱行为有初步的认识。 随后，民生银行济宁兖州支行负责反洗钱工作的员工，为企业员工带来一场精彩纷呈的专题讲座。银行 员工以深入浅出的方式，结合实际案例，生动地阐述了反洗钱工作的重要性和紧迫性。宣传过程中，该 支行还重点讲解了如何有效识别和防范洗钱风险。不断提醒企业员工，在日常工作中要时刻保持警惕， 严格遵守金融交易规定，对可疑交易保持高度敏感。为增强互动性和参与感，活动现场还设置了咨询答 疑环节。企业员工们积极踊跃地提问，就自己在工作中遇到的与反洗钱相关的问题向该支行咨询。民生 银行工作人员们耐心细致地一一解答，为大家消除了心中的疑惑，进一步加深了员工们对反洗钱知识的 理解和掌握。 ...

Group 1 - The new regulations effective from August include the implementation of a revised "Occupational Disease Classification and Catalog," which expands the categories from 10 to 12 and increases the total number of occupational diseases from 132 to 135, adding new categories for musculoskeletal diseases and mental disorders [3] - A new anti-money laundering regulation mandates that transactions involving cash purchases of gold and other precious metals exceeding 100,000 RMB must be reported, requiring institutions to submit large transaction reports within five working days [3] - The "Cybersecurity Incident Reporting Management Measures" will standardize the reporting of cybersecurity incidents in the financial sector, requiring institutions to report significant incidents to the People's Bank of China [3]

Core Viewpoint - The article highlights a community outreach initiative by Minsheng Bank's Weifang Shouguang branch aimed at enhancing public awareness and understanding of anti-money laundering (AML) practices, thereby fostering a collective effort to combat money laundering crimes [1][3]. Group 1: Event Overview - On July 16, Minsheng Bank's Weifang Shouguang branch organized an anti-money laundering promotional event in the Central Huafu community, focusing on increasing public recognition and effectively combating money laundering [1]. - The event included setting up consultation booths in high-traffic areas, distributing educational materials such as the "Anti-Money Laundering Knowledge Handbook" and "Guidelines for Preventing Money Laundering Crimes," and providing on-site answers to residents' questions [1]. Group 2: Community Engagement - The promotional activity received positive feedback from community residents, many of whom reported a deeper understanding of money laundering and basic prevention techniques, enhancing their self-protection awareness [3]. - Residents expressed surprise at the proximity of money laundering risks, with one stating they would be more vigilant about account security and avoid lending their bank cards [3]. Group 3: Future Initiatives - To broaden the outreach, Minsheng Bank's Weifang Shouguang branch plans to utilize online channels, including WeChat, social media, and short video platforms, to disseminate anti-money laundering knowledge and engage more community members [3]. - The bank aims to institutionalize and normalize anti-money laundering promotions, tailoring activities to different demographic needs to further enhance public financial security awareness and risk prevention capabilities [3].

Group 1: Event Background - Financial fraud is rapidly escalating, with new threat patterns emerging in global and Asia-Pacific markets. Financial institutions and companies must rethink how to identify, respond to, and prevent fraud [1] - The online seminar will explore major trends affecting the threat landscape, including complex fraud techniques related to financial crime and the defensive strategies being adopted by industry peers [1] - Attendees will gain insights on identifying various financial frauds and related crimes through real case studies, which will provoke critical thinking [1] Group 2: Event Information - The online seminar is scheduled for August 7, 2025, at 4 PM Beijing time, and will be conducted in English [3] - The seminar will be hosted by Rose Marie Sixta, Southeast Asia Market Customer Success Manager, and Gokce Arslan Kumar, Senior Manager of Research Knowledge Management at LSEG Risk Intelligence [3] Group 3: Company Product Overview - LSEG World-Check has been providing accurate and structured information for over 20 years, assisting companies in fulfilling KYC and third-party due diligence screening obligations [6][10] - The database helps financial institutions and regulated non-bank sectors comply with mandatory regulations related to KYC, anti-money laundering, counter-terrorism financing, anti-bribery, and anti-corruption [8][10] - World-Check integrates global intelligence, human expertise, and cutting-edge technology to help organizations identify hidden financial system risks [8] Group 4: Data and Features - World-Check offers access to over 4 million highly structured records, including information from reputable public domain sources to assist in due diligence obligations and identify potential financial crime activities [15][19] - The database includes specific datasets for monitoring politically exposed persons (PEPs), sanctions lists, and negative media, among others [19]

Core Viewpoint - The article discusses the reasons behind banks questioning customers about the purpose of large cash withdrawals, emphasizing the importance of preventing money laundering and protecting customers from fraud [3]. Group 1: Reasons for Bank Inquiries - Banks inquire about cash withdrawal purposes to curb money laundering and maintain financial stability, as mandated by China's Anti-Money Laundering Law [3]. - The inquiries also aim to prevent telecom fraud, particularly protecting elderly customers who may be more vulnerable to scams [3]. Group 2: Customer Responses to Bank Inquiries - Customers can respond to bank inquiries by citing the Commercial Banking Law, asserting their rights to withdraw funds without disclosing specific purposes [5]. - In cases where bank staff persist in questioning, customers can reference the Anti-Money Laundering Law and request written legal justification for continued inquiries [6][8]. - If banks delay or obstruct withdrawals, customers can invoke regulations from the China Banking and Insurance Regulatory Commission, indicating their right to file complaints [8][10]. Group 3: Evidence and Documentation - Customers are advised to record conversations during withdrawal attempts to document any obstruction, stating their transaction is legal and that recordings may serve as evidence for complaints [10]. - It is also recommended to keep receipts and note the bank staff's identification details for further reference [10].

Core Viewpoint - Recent announcements from multiple rural commercial banks in Hunan province indicate a restriction on ATM withdrawals using cards from other banks during the hours of midnight to 6 AM, reflecting heightened concerns over anti-money laundering and anti-fraud measures [1][2][5]. Group 1: Announcement Details - Hunan Yuanjiang Rural Commercial Bank announced that starting July 25, ATM services will not support withdrawals using other bank cards from 0:00 to 6:00 AM, with the service available from 6:01 AM to 11:59 PM [1][5]. - Similar announcements have been made by other rural commercial banks in Hunan, such as Xiangtan Rural Commercial Bank, which implemented the same restrictions starting July 23 [6]. Group 2: Industry Context - The adjustments in ATM withdrawal policies are attributed to increasing pressures from regulatory bodies regarding anti-fraud and anti-money laundering efforts, as well as incidents of fraud involving late-night withdrawals [2][7]. - Reports indicate that rural banks' ATMs have become targets for fraudsters, particularly in rural areas, where they exploit the system to withdraw funds during off-peak hours [7].

每经记者｜黄婉银 特约记者丨李旭馗 每经编辑｜张海妮 7月23日，香港金融管理局总裁余伟文发文再谈稳定币监管，强调需为当前稳定币市场的过度炒作降 温，并阐述了监管机构在稳妥、可持续原则下推动《稳定币条例》落地的下一步举措。他透露，香港金 融管理局将于下周公布"稳定币发行人发牌制度"的摘要说明，详细说明牌照申请的具体安排。 文章发布于香港金融管理局官网的专栏《汇思》中，该栏目由高层人员撰写，阐述香港金融管理局一些 重要的新政策及工作或公众关心的其他事宜。《每日经济新闻》记者梳理发现，这是自2022年年初以 来，余伟文第四次在《汇思》栏目中探讨稳定币相关话题。 余伟文指出，稳定币作为新兴支付工具进入传统金融体系有其积极意义，但必须警惕市场和舆论的过度 炒作。他列举了两个值得关注的现象： 一是过度概念化。余伟文表示，围绕稳定币的讨论容易集中于其对传统金融特别是支付体系的颠覆作 用，但是一旦要由虚入实，从概念和理论层面转到应用场景和具体安排，就出现明显落差。 据悉，目前已有数十家机构接触香港金融管理局，有的明确表示有意申请稳定币牌照，有的属于初步探 路性质。但大多仅停留在提升跨境支付效率、支持Web3.0发展、提升外 ...

Regulatory Overview - In the first half of 2025, financial regulation in China has intensified, with a total of 1010 fines issued to banking institutions, amounting to approximately 744 million yuan [1][2] - The number of fines and total penalties have increased compared to the same period last year, with January alone accounting for nearly 30% of the total fines [2] Penalty Distribution - Among the fines, rural commercial banks received the highest number, totaling 322 fines and nearly 220 million yuan in penalties, followed by state-owned banks with 259 fines and approximately 174 million yuan [2] - Seven fines exceeded 10 million yuan, with the majority of significant penalties issued by the People's Bank of China, primarily related to account management violations [3] Individual Accountability - A total of 1672 individuals in the banking sector were penalized, with 46 receiving lifetime bans from the banking industry [4][5] - The penalties for individuals included fines, warnings, and prohibitions from engaging in banking activities, with 1046 individuals warned and 827 fined [5] Focus Areas of Violations - Credit management remains a critical area of concern, with nearly half of the fines related to loan management issues, including inadequate loan checks and mismanagement of loan funds [7][8] - Violations in anti-money laundering practices and account management were also significant, with around 140 fines issued for breaches in account management regulations [8][9] Regulatory Evolution - The regulatory approach is shifting from strict enforcement to a more precise and targeted strategy, emphasizing compliance management and risk control within financial institutions [10]

7月23日，香港金管局总裁余伟文再次发文给稳定币降温。 余伟文表示，已经有数十家机构主动接触金管局团队表达对稳定币牌照的兴趣，但初期只会发放数个稳定币牌 照。余伟文还强调，争取在7月底正式发布《稳定币条例》下的监管和反洗钱两份指引，而金管局将于下周公 布"稳定币发行人发牌制度"的摘要说明，文件会阐述金管局接受和处理牌照申请的安排。 在文中，余伟文表示，稳定币作为新兴的支付工具，并通过监管而逐渐进入传统金融体系，有积极的意义，公 众对它的功能和发展前景感兴趣并有所期待非常正常。但他认为，近期市场和舆论的过度炒作值得关注。 一是过度概念化。余伟文认为，当前围绕稳定币的讨论容易集中于其对传统金融特别是支付体系的颠覆作用， 但是一旦要由虚入实，从概念和理论层面转到应用场景和具体安排，就出现明显落差。他以香港的经验为例， 至今已经有数十家机构主动接触金管局团队，有的明确表示有意申请稳定币牌照，有的属于初步探路性质。总 结这些接触发现，很多只停留在概念阶段，如提出要提升跨境支付效率、支持Web3.0发展、提升外汇市场效 率等愿景，但缺乏实际的应用场景，无法提出切实可行的具体方案和落实计划，更遑论具备管控风险的意识和 能力 ...