21世纪经济报道记者 郭聪聪 北京报道 MAS 处罚公告 近日，新加坡金融管理局（MAS）对9家金融机构开出总额高达2745万新元（约合人民币1.54亿元）的反洗钱罚单，创 下该国史上罚单金额第二高纪录，受罚机构涵盖银行、资本市场服务供应商及信托公司等多个金融领域。 在巨额罚单之外，此前MAS已围绕反洗钱展开了一系列监管行动，包括对家族办公室提出更严格的要求、提高数字货 币平台的牌照发放标准等。 德恒律师事务所合伙人、新加坡办公室执行主任闫泽娟在接受本报记者采访时表示，MAS全面升级监管要求之后，对 银行等金融机构产生了巨大影响。以私人银行开户为例，机构在KYC（Know Your Customer，简称KYC）环节对客户 的资金规模和资金来源有了更高的要求，部分私人银行也会要求提供高出准入门槛的资金证明。开户时间也从之前的 一个月，延长到两到三个月。 重罚落地：瑞信、大华银行领最高罚单 从MAS近期公告的金融机构的处罚结果来看：9家金融机构因违反反洗钱与反恐融资条例，被合计罚款 2745万新元， 按7月11日汇率折算约合人民币1.54亿元。 从受罚机构名单来看，此次涉事主体覆盖广泛，涉及银行、资本市场服务供 ...

看到这条新规定，不少网友就在网上"吐槽"：以后想买10万元黄金也需要上报了吗？我们连囤黄金的自由也没有了吗？我们国家对于投资的限制也太多了 吧！还是海外更宽松自由，想投资什么就投资什么。 最近这段时间，网上经常会刷到一条新闻，说的是国家新出台了一个规定，"买黄金超10万元就要上报"。 那么，事实究竟是不是如此呢？国家在管控的真的是"居民买黄金"这件事情吗？今天的视频，我就来为大家"辟个谣"。 这条新规定，是央行6月30日发布的《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法期 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调查统计 | 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 ...

Group 1 - The core theme of this year's National Insurance Publicity Day is "Love and Responsibility, Insurance Makes Life Better" [1] - The event aims to enhance public awareness of financial risk prevention, focusing on anti-fraud, anti-money laundering, and prevention of illegal fundraising [1][5] - The promotional activities included distributing brochures and engaging the community through interactive games to educate residents about common financial scams [3][5] Group 2 - The promotional team provided one-on-one consultation services to address public inquiries regarding insurance claims processes, payout ratios, and special agreements [5] - A total of over 40 promotional materials were distributed during the event, effectively increasing community residents' awareness and ability to respond to financial fraud [5] - The company plans to continue regular financial knowledge dissemination in various community settings to strengthen financial security and protect residents' assets [5]

免责声明 投资有风险，入市需谨慎！本栏目内容不构成对投资者的任何投资建议。最终解释权归申万宏源证券有限 公司所有。 ...

Group 1 - Recent surge in cases of fraudsters using merchant payment codes for large-scale money laundering has been reported [1] - Fraud gangs are shifting from traditional methods like bank withdrawals and cryptocurrency exchanges to large purchases at physical stores such as jewelry shops and flower shops for cashing out [1] - Banks have issued risk alerts to merchants, advising them to be vigilant against unusual transactions to avoid becoming unwitting "money laundering tools" [1] Group 2 - A case from the Nantong Public Security Bureau highlights a "collection and transfer" scam where victims are misled into investing and unwittingly involve gold shops in money laundering [2] - Merchants are advised to be cautious of excuses like "transfer limits" and to complete transactions through official channels only [2] - Banks are enhancing their anti-money laundering systems to monitor large withdrawals and unusual transaction patterns [2] Group 3 - Continuous monitoring of customer account activity is essential for banks throughout the customer lifecycle, including identity verification and transaction analysis [3] - A differentiated risk-based approach is recommended for banks, focusing on high-risk transactions while simplifying processes for regular customers [3] - Public education on anti-money laundering laws is crucial to help customers understand the importance of compliance [3] Group 4 - Banks must balance their anti-money laundering obligations with customer service, ensuring compliance without causing inconvenience to clients [4] - Strengthening internal training and external communication is necessary for better public understanding and cooperation regarding anti-money laundering practices [4]

Group 1 - The core theme of the event is "Love and Responsibility: Insurance Makes Life Better," aimed at enhancing public understanding and trust in insurance [1] - The event involved a collaboration with six other companies to form a financial knowledge promotion team, focusing on delivering financial knowledge directly to merchants [1][3] - The promotional activities included setting up a "Financial Knowledge Station" at market entrances, distributing practical financial knowledge materials to merchants [3] Group 2 - The promotional content covered four main areas: interpretation of beneficial insurance policies, introduction of inclusive financial projects, key points of the revised Anti-Money Laundering Law, and analysis of common illegal financial activities [3] - A "Fraud Prevention Micro-Class" was established to educate participants on various fraud schemes, particularly targeting the elderly demographic [4] - The company aims to create a sustainable mechanism for financial knowledge dissemination, enhancing public financial literacy and contributing to a stable financial environment [4]

Group 1 - The article discusses the recent developments in the industry, highlighting a significant increase in operational efficiency and productivity [1][6] - It mentions that the company has achieved a notable milestone with a revenue of 140 million, indicating a strong performance in the current market [1][4] - The report outlines the strategic initiatives taken by the company to enhance its operational framework and improve service delivery [1][7] Group 2 - The article emphasizes the importance of technological advancements in driving growth within the industry, particularly in the context of operational processes [3][6] - It notes that the company is focusing on sustainable practices and innovation to maintain its competitive edge in the market [4][7] - The report also highlights the company's commitment to improving customer satisfaction through enhanced service offerings and operational improvements [6][7]

Core Viewpoint - A customer, Mr. Lu, faced refusal from Shanghai Rural Commercial Bank to exchange over 20,000 one-jiao coins, weighing more than 140 pounds, which he claims are damaged and should be exchanged under the People's Bank of China's regulations on damaged currency [1][2][4]. Group 1: Customer's Situation - Mr. Lu brought a total of over 20,000 one-jiao coins, amounting to over 2,000 yuan, to the bank for exchange [2]. - The coins were sourced from a waste incineration power plant and were used for payment in his business of recycling tobacco and alcohol gifts [4]. - He has previously exchanged similar coins at over ten banks without issue, but Shanghai Rural Commercial Bank repeatedly refused [4]. Group 2: Bank's Justification - The bank refused the exchange due to concerns about the source of such a large quantity of damaged currency, citing anti-money laundering regulations that require verification of funds' origins [5]. - Mr. Lu provided a document claiming the coins' source, but the bank found it insufficient as the company name was omitted, preventing proper verification [5]. - The bank's staff indicated that the varying condition of the coins and their large quantity made it impractical for local branches to process the exchange [9]. Group 3: Legal and Regulatory Context - According to the People's Bank of China's regulations, financial institutions must exchange damaged currency if it meets certain criteria, including being recognizable and having at least 75% of the original note [4]. - Mr. Lu has filed a complaint with the People's Bank of China and is considering legal action to resolve the issue [9].

Core Viewpoint - The article highlights the risks associated with stablecoins, emphasizing the need for public awareness and caution against illegal financial activities disguised as stablecoin investments [3][4][6]. Group 1: Risks of Stablecoins - The Shenzhen Special Task Force warns that illegal organizations are exploiting the public's lack of understanding of stablecoins to engage in fraudulent activities, including illegal fundraising, gambling, and money laundering [3][4]. - The Task Force emphasizes that these organizations lack the necessary licenses from national financial authorities and are not authorized to publicly solicit deposits [3][4]. - The article stresses the importance of rational investment awareness among the public to avoid falling victim to deceptive promises related to stablecoin investments [3][4]. Group 2: Regulatory Responses - Multiple regulatory bodies and international financial organizations have issued risk warnings regarding the recent surge in interest in stablecoins [6]. - The Hong Kong Monetary Authority's CEO, Yu Weiwen, indicates that while public interest in stablecoins is welcomed, it is essential to maintain a balanced perspective and mitigate potential risks [6][7]. - The article notes that stablecoins are not intended for investment or speculation but serve as payment tools utilizing blockchain technology, with their future development largely dependent on market forces [7]. Group 3: International Concerns - The Bank for International Settlements (BIS) expresses skepticism about stablecoins, stating they do not meet the requirements to be a pillar of the monetary system and raise concerns about their potential use in money laundering and terrorism financing [8]. - The BIS report highlights that stablecoins have become a preferred method for illegal activities due to their anonymity and lack of traditional financial safeguards like Know Your Customer (KYC) standards [8]. - The report concludes that while demand for stablecoins may persist, they perform poorly in system-level integrity tests, raising significant regulatory challenges [8].

Core Viewpoint - The People's Bank of China has officially released the "Management Measures for Anti-Money Laundering and Anti-Terrorist Financing for Precious Metals and Gemstone Practitioners," which will come into effect on August 1, 2025, marking a systematic establishment of anti-money laundering requirements in the precious metals and gemstones trading sector [1][4]. Group 1: Regulatory Framework - The new regulations encompass all domestic institutions engaged in the spot trading of precious metals and gemstones, requiring them to adhere to strict anti-money laundering obligations when cash transactions reach or exceed RMB 100,000 or its equivalent in foreign currency [4]. - The regulations emphasize the importance of "customer due diligence," mandating institutions to effectively identify and verify customer identities and understand the purpose and source of funds for transactions [4][5]. - The People's Bank of China retains the authority to adjust the cash transaction reporting threshold based on changes in money laundering risks, indicating that the current RMB 100,000 standard may not be fixed [4][5]. Group 2: Role of Industry Self-Regulation - Industry self-regulatory organizations, such as the Shanghai Gold Exchange and the China Jewelry Association, are tasked with establishing an "industry anti-money laundering self-regulatory mechanism" under the guidance of the People's Bank of China [4]. - This self-regulatory mechanism will be responsible for developing industry standards, organizing risk alerts and training, coordinating suspicious transaction reporting, and evaluating member institutions [4]. Group 3: Risk-Based Supervision - The regulations adopt a "risk-based" supervisory principle, allowing the People's Bank of China to assess the money laundering risk levels of institutions and implement differentiated regulatory measures [5]. - Institutions are required to establish their own risk assessment mechanisms, conducting comprehensive evaluations at least every three years and performing special assessments before launching new products or services [5]. - Customer due diligence is highlighted as a core defense, requiring institutions to initiate due diligence when cash transactions are suspected of being related to money laundering or when there are doubts about customer identities [5].