钱、欺诈风险。金融机构据此展开独立核查，要求企业针对变更原因及控制权稳定性作出书面解释，并 评估新增受益所有人身份，进一步强化反洗钱筛查，有效防控了潜在风险。 此次启信慧眼推出的「受益所有人」解决方案，通过技术创新实现了反洗钱工作的降本增效，为金融机 构应对监管挑战提供了系统性支持。值得注意的是，启信慧眼母公司 合合信息 已正式向香港联合交易 所提交主板上市申请，未来将借助资本市场资源，持续强化商业大数据与智能决策领域的技术优势。 在合规管理方面，启信慧眼「尽调报告」功能支持勾选受益所有人维度，自动聚合235号文、164号文及 新规识别结果，生成涵盖持股路径、任职类型等信息的标准化报告。该报告不仅满足金融机构内部留档 需求，助力完善合规管理体系，还可规避因个人经验差异导致的错漏问题，提升监管报送材料的规范性 与准确性，为金融机构应对监管检查提供了有力支持。 针对受益所有人信息动态变化的特点，启信慧眼「风险预警」模块可对企业9大类型、近200项风险事件 开展全天候监控。金融机构可将"受益所有人变更"设为高风险事件，通过实时预警分层推送模式，第一 时间获取变更信号。例如，某企业因受益所有人频繁轮换触发预警，系统监 ...

同时，金元顺安基金员工还走访了企业和社区进行反洗钱宣教。其中在9月11日，金元顺安基金拜访上 海本地餐饮公司，对企业人员进行反洗钱宣传，教育企业提高日常商业交易中的反洗钱意识。企业要保 障经营交易的真实性，同时也要检视日常经营活动中业务的往来，防止存在可能被用于洗钱的风险漏 洞。 主要内容包括以下三点：一是宣传洗钱活动的危害性，提升社会公众对洗钱危害的认知；二是强调从事 洗钱活动的严重后果，向社会公众揭示涉罪风险；三是提示社会公众防范身边的洗钱风险，引导其提升 风险识别与应对能力。 9月15日，金元顺安基金前往上海立信会计金融学院浦东校区，对该校金融科技学院大一新生进行反洗 钱宣教。 金元顺安监察稽核部吴迎春女士对相关反洗钱案例进行分析，警示大家知法于心、守法于行，莫因糊涂 贪小利，帮人、帮忙、别"帮信"，提醒大家"证卡出手，风险难料"，身份证、电话卡、银行卡、互联网 账号等与个人信息密切相关，不能出租、出售，也不能出借，更不能参与"刷单""跑分"，一旦被不法分 子利用，就会成为他人犯罪的"帮凶"，害人害己，追悔莫及。 近日，为深入贯彻落实《中华人民共和国反洗钱法》，提高社会公众对洗钱违法犯罪活动的防范意识和 ...

进校园：筑牢青少年金融"安全线" 该行联合仲恺反诈中心，走进惠州仲恺片区多所学校开展主题宣传活动。工作人员结合青少年认知特点，通过真实案例剖析常见洗钱犯罪手段，并以互动问 答形式引导师生识别可疑金融行为，将反洗钱知识融入校园生活场景。活动有效增强了青少年的金融风险防范意识，在校园内构建起坚实的金融安全防护 网。 CH 2 : 1 t 201 r and 900-0 the contra THE STREET s - Rea 11:5 r lead to F 进企业：提升合规经营与风险防控能力 为提升社会公众金融消费权益意识，近日，建设银行惠州开近日发区支行积极联动多方力量，创新推出"进校园、进企业、进厅堂"宣传矩阵，通过精准化、 场景化的宣传方式，推动反洗钱知识深入社会各界，为筑牢区域金融安全屏障贡献"建行力量"。 针对企业财务工作的实际需求，该行组织专业宣讲团队深入辖区企业开展专题培训。宣讲内容围绕反洗钱法规要求及实操要点展开，通过分析企业业务中潜 在的洗钱风险，帮助财务人员掌握风险识别与应对方法。现场设置交流答疑环节，切实解决企业在合规操作中遇到的困惑，进一步提升企业和员工的合规意 识与风控能力。 进厅堂 ...

公司策划推出了"守护'钱袋子'安全，共筑反洗钱防线"有奖问答活动，在微信公众号、头条号、微博号 等6个新媒体平台同步上线，累计获得超22000次阅读，吸引近150人积极参与。同期开展的微博"反洗钱 知识线上答题活动"，以问答互动形式开展，阅读量超过1100次，参与人数达30人。 富国基金官网在9月期间的访问量近15万次，访客数近4万，成为反洗钱宣传的重要窗口之一。公司服务 号上开展的答题活动表现亮眼，实现阅读量5000余次、转发28次、点赞75次，答题参与人数达2200多 人。这些线上活动通过趣味互动和图文并茂的内容，有效填补了公众的知识盲区，让反洗钱知识更加入 脑入心。 持续履行社会责任，助力营造健康金融环境 在校园领域，富国基金走进上海财经大学，依托社团招新契机开展宣传，通过设立2个易拉宝展示区、 分发100份宣传折页，向超1000名学生普及金融安全知识。活动聚焦"兼职刷单"、"网络游戏诈骗"等校 园常见风险，同步介绍了"跑分平台""虚拟货币交易"等新型洗钱手段，帮助青年学子树立防范意识。 在社区企业方面，富国基金还走进陆家嘴金融软件园，面向企业员工及周边人员开展专题宣传。活动期 间现场人流量超2000多 ...

Group 1 - The event aimed to enhance fishermen's awareness and ability to prevent illegal fundraising activities [1] - The activity was conducted by ICBC-AXA Life Insurance in collaboration with other companies during the annual financial education publicity week [1] - The initiative included distributing brochures and explaining how to prevent illegal fundraising, telecom fraud, and money laundering [6] Group 2 - The event utilized real case studies to deepen fishermen's understanding of illegal activities and improve their basic judgment skills regarding such behaviors [6] - ICBC-AXA Life Insurance plans to continue collaborating with other companies to address the financial needs of grassroots communities [6] - The company aims to promote a harmonious and healthy financial consumption environment, contributing to the high-quality development of the financial industry [6]

Core Viewpoint - The article discusses the revisions to the Anti-Money Laundering (AML) Law, emphasizing the enhancement of AML objectives, obligations for financial institutions, and the introduction of stricter penalties to combat money laundering activities effectively [2][3][11]. Group 1: AML Objectives and Concepts - The revised AML Law aims to strengthen and standardize AML efforts, ensuring the maintenance of financial order, public interest, and national security [2]. - It retains the focus on seven key upstream criminal activities related to money laundering while expanding the scope to include the concealment of proceeds from other crimes [2]. Group 2: Obligations of Financial Institutions - Financial institutions are required to establish robust internal control systems for AML, conduct customer due diligence, and maintain records of customer identities and transaction histories [3]. - They must report large and suspicious transactions, implement risk-based management measures, and ensure confidentiality of AML information [3][4]. Group 3: Non-Financial Institutions' AML Obligations - Specific non-financial institutions, such as real estate developers and intermediaries, are also mandated to fulfill AML obligations based on their operational characteristics and risk profiles [4][5]. Group 4: Data Security and Personal Information Protection - The revised law emphasizes the protection of AML-related data and personal information, ensuring confidentiality and compliance with data protection regulations [7][8]. Group 5: Advocacy for AML Prevention and Reporting - The AML authorities will collaborate with relevant agencies to enhance public awareness and reporting capabilities regarding money laundering activities [10]. - Individuals and organizations are encouraged to report suspected money laundering activities, with protections in place for whistleblowers [10]. Group 6: Beneficial Ownership Regulations - The law establishes a system for managing beneficial ownership information, requiring entities to maintain and update this information regularly [10]. Group 7: Increased Penalties for Non-Compliance - The revised law introduces new penalties for non-compliance, including higher fines for financial institutions and specific non-financial institutions that fail to identify or update beneficial ownership information [11]. - The maximum penalty for individuals involved in violations has been raised to 500,000 yuan [11]. Group 8: Risk Management Framework - Financial institutions are mandated to integrate risk management into their daily operations, including the establishment of dedicated teams for AML efforts [12]. - They must assess and monitor new technologies and products for potential money laundering risks [12].

近年来，随着贵金属和宝石市场的愈发繁荣，不法分子利用贵金属和宝石行业的高隐蔽性、复杂的价值 评估和便捷的变现方式，将其作为洗钱的新手段。2025年9月11日，邮储银行昭通市分行在人民银行昭 通市分行的指导下，联合昭通市经侦大队以"送课上门"的形式，前往辖区门店开展"贵金属和宝石行业 反洗钱知识宣传"专项活动。 各活动单位为本次活动的成功举办做了充分的准备，从宣传折页的排版印刷到每一个案例的循循善诱， 从每一页PPT的精美创意到脱颖而出的生动灵现中都能得以体现。人民金行昭通片区总经理表示："此 次活动真真切切为基层办了一件大实事，自己和员工都在培训中受益匪浅，公司将在后期的营业中提高 风险防范意识，对异常和可疑情形做到及时登记、及时处置、及时上报，绝不让黄金、宝石交易成为不 法分子的洗钱通道。 终审：王一帆 此次专项培训与宣传活动，覆盖了昭通市区21家门店、7个品牌（周大福、周大生、中国黄金、人民金 店、百爵珠宝、周六福珠宝、中国珠宝），参训人数达320余人，现场发放宣传折页1600余份，市区门 店覆盖率近100%，有效提升了辖区贵金属从业机构的反洗钱意识，为构建安全规范的黄金、珠宝交易 环境奠定了坚实基础。下 ...

人保寿险济宁中支积极投身由济宁市保险行业协会于2025年9月18日主办的"保障金融权益 助力美好生活"主题金融知识宣传周活动。活动聚焦广 大市民，尤其针对老年人、青少年、新市民"一老一少一新"重点群体，通过多元化宣传普及金融知识，切实强化了公众金融风险防范意识与依法 维权能力。 此次金融知识宣传周活动通过创新形式、聚焦重点、多方协同，取得显著成效。人保寿险济宁中支以实际行动助力公众金融素养提升，为维护金 融消费者合法权益、营造安全稳定的金融环境贡献了积极力量。 活动期间，人保寿险济宁中支服务群众超500人次，发放金融知识及反洗钱宣传资料500余份，设置宣传展板2块，内容涵盖金融消费者八项基本 权益、防范非法集资、金融诈骗识别、个人信息保护、理性投资等多个核心领域，全方位筑牢公众金融知识防线。 本次宣传打破传统模式，以沉浸式、趣味化形式搭建特色场景，打造"金融集市"让金融知识可感可及。针对不同重点群体的需求与风险痛点，活 动精准发力：面向老年人，聚焦"保健品诈骗""养老金骗局""高收益理财陷阱"及非法出租出借银行卡等高频风险，工作人员以"以案说险"形式， 用身边真实案例面对面讲解，反复叮嘱"不轻信、不透露、不转 ...

Investment Rating - The report does not explicitly provide an investment rating for the banking industry Core Insights - The report highlights the ongoing regulatory changes and their implications for internal auditing within commercial banks, emphasizing the need for compliance and risk management in light of new regulations [4][7] Regulatory Rule Tracking - In the first half of 2025, various regulatory bodies issued 154 important new regulations and consultation drafts affecting multiple areas including economic promotion, capital markets, and risk management [9] - Key areas of focus for internal audits include governance, market risk management, and green finance initiatives [10][11] Regulatory Penalty Insights - In the first half of 2025, regulatory penalties remained stringent, with 2,257 fines totaling RMB 665 million, indicating a continued trend of strict oversight [39][40] - The majority of penalties were concentrated in credit business, internal control compliance, and agency business [41] Agile Auditing Topics - The report suggests that internal audits should adapt to recent market risk hotspots and provide practical recommendations for agile auditing practices [7] Internal Audit Theory Dynamics - The report tracks developments in internal audit theories both domestically and internationally, sharing insights on methodologies and areas of focus [7] Internal Audit International Dynamics - The report provides insights into the best practices and developments in internal auditing from leading international commercial banks [7] Key Regulatory Changes - The new regulations emphasize the importance of internal controls, consumer protection, and compliance in agency sales, particularly in the context of asset management products [16][17] - The updated "Commercial Bank Agency Sales Business Management Measures" will take effect on October 1, 2025, requiring banks to enhance their management and compliance frameworks [16][17] Recommendations for Internal Audit - Internal audits should focus on the implementation of new regulatory requirements, particularly in areas such as consumer protection, product management, and sales practices [21][34] - The report emphasizes the need for banks to establish robust mechanisms for monitoring compliance with new regulations and managing risks associated with agency sales [21][34]

I 甲门宏源LL S 新《反洗钱法》 推生生筑,安全防线 ● !!!!!!!!!! 免责声明 投资有风险，入市需谨慎。本内容不构成任何投资建议，最终解释权归申万宏源证券有限公司所有。 ...