此前，中国人民银行发布"中国人民银行关于印发《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》的通知（银发〔2025〕124号）"。 | | | | 中国人民纪行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法拠 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 毛肿瘤连 | 调查绞计 | 银行会计 | 支付体系 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 覚建工作 | 工会工作 | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音頻视頻 | 市场动态 | 网上展厅 | 报告下载 | 报刊年签 | | | 网送文告 | 办事大厅 | 在线申报 | 下载中心 | 网上调查 | 意见征集 | 金融知识 | 关于我们 | ...

Regulatory Changes - The People's Bank of China issued a notice regarding the implementation of the "Anti-Money Laundering and Counter-Terrorism Financing Management Measures for Precious Metals and Gemstone Practitioners," effective from August 1, 2025, requiring institutions to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more [1] - The "Administrative Penalty Discretionary Power Benchmarking Regulations for Cyberspace Administration" will also take effect on August 1, 2025, emphasizing heavier penalties for severe violations related to network information security and personal data protection [5] - The "Regulations on the Management of Risk Monitoring and Evaluation of Cosmetic Safety" will be implemented on August 1, 2025, focusing on monitoring five categories of risk substances in cosmetics [6] Industry Impact - The new regulations will require institutions dealing in precious metals and gemstones to report large cash transactions to the Anti-Money Laundering Monitoring and Analysis Center within five working days [1] - The updated "Occupational Disease Classification and Catalog" will come into effect on August 1, 2025, expanding the classification from 10 categories and 132 diseases to 12 categories and 135 diseases, including new categories for occupational musculoskeletal diseases and occupational mental and behavioral disorders [3] - The "Defective Special Equipment Recall Management Rules" will also be implemented on August 1, 2025, covering various special equipment including elevators and amusement facilities, establishing a structured recall process [5]

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," which will take effect on August 1, 2025, aiming to enhance regulatory compliance in the precious metals and gemstones sector [1][10]. Summary by Relevant Sections - The new regulations require institutions to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more, or equivalent foreign currency, and to report large transactions to the Anti-Money Laundering Monitoring and Analysis Center within five working days [3][10]. - Institutions must conduct due diligence based on the "Know Your Customer" principle, assessing customer characteristics and transaction nature to identify money laundering risks [3][10]. - The regulations are part of a broader effort to implement the Anti-Money Laundering Law of the People's Republic of China, ensuring that the precious metals and gemstones industry adheres to strict compliance standards [1][10].

客户单笔或者日累计金额人民币10万元以上（含10万元）或者等值外币现金交易的，从业机 构应当按照规定在交易发生之日起5个工作日内向中国反洗钱监测分析中心提交大额交易报 告。 《办法》自2025年8月1日起施行。 此前，中国人民银行发布"中国人民银行关于印发《贵金属和宝石从业机构反洗钱和反恐怖融 资管理办法》的通知（银发〔2025〕124号）"。 其中提到，从业机构开展人民币10万元以上（含10万元）或者等值外币现金交易的，应当根 据《办法》规定履行反洗钱义务。客户单笔或者日累计金额人民币10万元以上（含10万元） 或者等值外币现金交易，从业机构应当勤勉尽责，遵循"了解你的客户"原则，根据客户特征和 交易活动的性质、洗钱风险状况，开展客户尽职调查。 ...

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].