会议强调，联席会议各成员单位要深入贯彻落实党中央、国务院部署，准确把握当前的形势和重点任 务，各司其职，加强协调，共同做好下一阶段各项反洗钱重点工作。要进一步提高认识，精心组织，做 好迎接反洗钱国际评估各项关键环节工作。要抓好反洗钱战略的贯彻落实，切实提升国家反洗钱、反恐 怖融资、防扩散融资体系的整体效能。要持续健全基于风险的反洗钱监管体系，提升义务机构反洗钱履 职有效性。要继续保持对洗钱活动及其上游犯罪的高压态势。要加强宣传，提升社会共识，为反洗钱工 作的深入推进营造客观、理性、健康的社会舆论环境。 最高人民法院、最高人民检察院、外交部、公安部、司法部、市场监管总局有关负责同志作了交流发 言。联席会议22个成员单位有关部门负责同志参加会议。中央政法委、中央金融办、国务院办公厅有关 负责同志应邀参会。 北京商报讯（记者 刘四红）据人民银行官微，12月24日，反洗钱工作部际联席会议第十二次全体会议 召开。反洗钱工作部际联席会议召集人、中国人民银行党委书记、行长潘功胜出席会议并讲话。反洗钱 工作部际联席会议办公室主任、中国人民银行副行长宣昌能主持会议。中央政法委副秘书长杨春雷、最 高人民法院副院长李勇、最高人民检 ...

Group 1 - The People's Bank of China and eight other departments jointly issued opinions on financial support for accelerating the construction of the Western Land-Sea New Corridor [1] - The opinions emphasize the need to standardize financial order and enhance the collaborative regulatory role of foreign exchange management along the corridor [1] - There is a focus on deepening cross-regional and cross-departmental cooperation in foreign exchange law enforcement, as well as strengthening the supervision of the entire foreign exchange business chain [1] Group 2 - The document highlights the importance of cracking down on illegal foreign exchange activities, including illegal remittances, illegal arbitrage, and illegal buying and selling of foreign exchange [1] - It also stresses the need for enhanced cross-regional cooperation in anti-money laundering and anti-terrorist financing efforts [1] - The aim is to prevent violations of financial support policies related to the corridor [1]

据报道，币安（Binance）在2023年达成具有里程碑意义的43亿美元美国刑事和解协议、并承诺改善合 规行为之后，仍未能阻止数亿美元加密货币流经可疑账户。 《金融时报》（FT）对币安内部文件进行调查，这些文件详细记录了数千笔交易。调查显示，尽管存 在包括不合理的登录模式以及身份验证失败等多项红旗信号，这些账户仍持续进行交易。 据悉，许多账户即便在币安与美国达成认罪协议之后，仍继续交易，而其行为在专家看来，在受监管的 金融机构中通常足以触发账户冻结或调查。 这些可疑行为包括： 以异常模式转移数千万甚至上亿美元的资金； 账户在数小时内从地球两端登录。 他说："我无法想象任何一家美国银行会在没有巨大震动的情况下，允许这种事情发生。" 币安表示，其"维持严格的合规控制，对平台上的非法活动采取零容忍态度"，并补充称，公司已建 立"强有力的系统，用于标记和调查可疑交易，并在适当情况下采取行动，包括根据监管义务限制账 户"。 币安拥有3亿用户，用于交易数字代币以及与现实世界货币挂钩的"稳定币"。 自2023年在承认与洗钱、违反银行法以及违反国际金融制裁相关的刑事指控，并支付创纪录的43亿美元 罚款后，币安已实现反弹。 特 ...

Core Viewpoint - The introduction of digital RMB represents a significant shift towards a transparent and traceable payment system, potentially ending the era of cash transactions and hidden dealings [1][10][13]. Group 1: Digital RMB Overview - Digital RMB has been piloted since 2019 and is currently being tested in 26 regions across 17 provinces, with a cumulative transaction amount reaching 7 trillion yuan by June 2024 [1][10]. - It is not merely an electronic version of cash; it signifies a new payment system that enhances transparency and traceability [1][10]. Group 2: Traceability and Privacy - Every transaction made with digital RMB is traceable, but the central bank employs a "controllable anonymity" approach to protect consumer privacy during small transactions [2][4]. - The central bank retains access to all transaction data, allowing for regulatory oversight and the ability to combat illegal activities [2][4]. Group 3: Impact on Corruption - Digital RMB poses a significant threat to illicit activities, particularly for corrupt officials who previously relied on cash transactions to conceal illegal gains [4][6]. - The system automatically records all transactions, making it difficult for corrupt individuals to hide their financial activities [4][6]. Group 4: Technological Support - Digital RMB supports smart contract functionalities, enabling precise control over fund flows, which is crucial for monitoring public funds and preventing misuse [4][5]. - The "dual offline payment" feature allows transactions without internet access, but all records sync once online, ensuring no transaction can remain hidden [5][6]. Group 5: Regulatory Advantages - The introduction of digital RMB provides regulatory bodies with enhanced capabilities to monitor and track financial flows, making it easier to identify discrepancies between income and expenditure [6][9]. - The system's transparency allows for real-time monitoring of officials' financial activities, serving as a deterrent against corruption [9][10]. Group 6: International Implications - Digital RMB's potential for cross-border payments enhances the ability to regulate illegal capital flight and ensures that international transactions are traceable [7][11]. - This innovation positions China uniquely in the global landscape, providing a robust framework for combating economic crimes [11][13]. Group 7: Broader Financial Ecosystem - The promotion of digital RMB reflects the government's commitment to creating a transparent and accountable financial ecosystem, which is essential for preventing money laundering, terrorist financing, and tax evasion [10][11]. - The transition to digital RMB is gradual, and while it is gaining traction, cash transactions still exist, indicating that opportunities for corruption remain, albeit diminishing [10][13].

Core Viewpoint - The People's Bank of China has imposed fines totaling over 1.1 billion yuan on China Industrial and Commercial Bank and Bank of Communications for various regulatory violations, holding 30 individuals accountable for their roles in these infractions [2][6][7] Summary by Relevant Sections Penalties and Violations - The total fines imposed on Bank of Communications include a confiscation of illegal gains amounting to 239,821.16 yuan and a fine of 67,834,300 yuan, while Industrial and Commercial Bank faces a confiscation of illegal gains of 4,345,708.57 yuan and a fine of 39,615,000 yuan, leading to a combined penalty of 112,430,000 yuan [2][3] - Bank of Communications was found to have committed 11 types of violations, including breaches of account management regulations, clearing management regulations, and anti-counterfeit currency management [2][3] - Industrial and Commercial Bank was cited for 10 types of violations, notably including breaches of financial statistical management regulations and anti-money laundering obligations [3] Individual Accountability - A total of 30 management personnel from both banks were penalized, with specific fines reflecting the severity of their violations [4][5] - Notable penalties include a fine of 170,000 yuan for a senior manager at Bank of Communications for multiple violations, and various fines for other managers based on their specific infractions [4][5] Compliance and Regulatory Implications - The penalties highlight systemic issues in compliance execution within the banks, particularly in areas such as customer identity verification and suspicious transaction reporting [5][6] - The timing of the penalties coincides with a critical period for financial regulatory assessments, indicating a push for enhanced compliance measures across the banking sector [6][7] - The actions taken by the People's Bank of China signal a shift towards stricter enforcement of compliance responsibilities, emphasizing that compliance is no longer optional but a fundamental requirement for survival in the banking industry [7]

Core Viewpoint - The case of illegal foreign exchange operations involving individuals identified as Tong and Chen has been successfully investigated by the Shenyang Public Security Bureau, highlighting the complexities of cross-border financial crimes and the importance of international cooperation in law enforcement [1][2][3]. Group 1: Case Development - In April 2024, a tip-off from the U.S. regarding Tong's involvement in money laundering for drug traffickers prompted a thorough investigation by Chinese authorities [1]. - The Shenyang police established a task force to address challenges such as fragmented leads and differences in legal systems between China and the U.S., leading to the collection of crucial evidence [1][2]. - By May 20, 2024, Tong and Chen were apprehended in Wuhan while attempting to flee the country, following extensive evidence collection across multiple provinces and cities [2]. Group 2: Criminal Activities - Since 2017, Tong and associates operated a car dealership in the U.S., initially providing currency exchange services before shifting to illegal foreign exchange operations [2]. - From January 2020 to June 2021, Tong directed Chen and others in China to facilitate illegal currency exchanges, amassing over 16 million RMB through domestic bank accounts [2][3]. - Tong also engaged in virtual currency transactions, purchasing Bitcoin and Tether to facilitate cash exchanges, primarily serving students and gamblers in the U.S. [3]. Group 3: Legal Proceedings - The case was transferred to the prosecutorial authority on November 26, 2024, and by September 2025, both Tong and Chen were sentenced to prison terms of 1 year and 7 months, and 1 year and 4 months respectively, along with fines for their illegal foreign exchange activities [3].

Core Viewpoint - The case of illegal foreign exchange operations involving individuals identified as Tong and Chen has been successfully investigated by the Shenyang Public Security Bureau, highlighting the complexities of cross-border financial crimes and the importance of international cooperation in law enforcement [1][2][3]. Group 1: Case Development - In April 2024, a tip-off from the U.S. regarding Tong's involvement in money laundering for drug traffickers prompted a thorough investigation by Chinese authorities [1]. - The Shenyang police established a specialized task force to address challenges such as fragmented leads and differences in legal systems between China and the U.S., leading to the collection of crucial evidence [1][2]. - By May 20, 2024, Tong and Chen were apprehended in Wuhan while attempting to flee the country, following extensive evidence collection involving 25 teams across 16 provinces and 43 cities [2]. Group 2: Criminal Activities - Since 2017, Tong and associates operated a car dealership in the U.S., initially providing currency exchange services before shifting to illegal foreign exchange operations [2]. - From January 2020 to June 2021, Tong utilized a "matched transaction" method, directing Chen and others in China to handle currency exchanges, resulting in over 16 million RMB in illegal foreign exchange transactions [2][3]. - Tong also engaged in virtual currency transactions, purchasing Bitcoin and Tether to facilitate cash exchanges, primarily serving students and gamblers in the U.S. [3]. Group 3: Legal Proceedings - The case was transferred to the prosecutorial authority on November 26, 2024, and by September 2025, both Tong and Chen were sentenced to prison terms of 1 year and 7 months, and 1 year and 4 months respectively, along with fines for their illegal foreign exchange activities [3].

【纠错】 【责任编辑:冯粒】 据介绍，《金融机构客户受益所有人识别管理办法》为金融机构提供了更为明确的制度指引，有助于落 实金融机构客户尽职调查要求，规范受益所有人识别核实工作，进一步预防和遏制洗钱和恐怖融资活 动。（记者吴雨） 中国人民银行12月19日对外发布《金融机构客户受益所有人识别管理办法》，强调金融机构应在开展客 户尽职调查时，识别并采取合理措施核实客户受益所有人。办法将自2026年1月20日起施行。 办法明确了金融机构识别核实受益所有人的基本要求和原则，对受益所有人的识别标准、核实流程及要 求等进行规定。为有效落实反洗钱法相关要求，办法还要求金融机构建立健全差异反馈制度，有效处理 并反馈受益所有人信息查询核对结果。 ...

中国基金报记者 嘉合 12月19日，中国人民银行披露一批行政处罚公告。其中，交通银行因涉及11项违法违规行为，被中国人民银行处以警告、没收违法所得23.98万元，罚款 6783.43万元。 具体来看，交通银行主要涉及以下违法行为：违反账户管理规定；违反清算管理规定；违反特约商户实名制管理规定；违反反假货币业务管理规定；占压 财政存款或者资金；违反国库科目设置和使用规定；违反信用信息采集、提供、查询及相关管理规定；未按规定履行客户身份识别义务；未按规定保存客 户身份资料和交易记录；未按规定报送大额交易报告或者可疑交易报告；与身份不明的客户进行交易或者为客户开立匿名账户、假名账户。 | 序号 当事人名称 | | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | | 决定机关名称 決定日期 | | | | | | | 1. 违反账户管理规定; | | | | | | | | | 2. 违反清算管理规定; | | | | | | | ...

【导读】央行对交通银行罚没超6800万元 12月19日，中国人民银行披露一批行政处罚公告。其中，交通银行因涉及11项违法违规行为，被中国人民银行处以警告、没收违法所得 23.98万元，罚款6783.43万元。 具体来看，交通银行主要涉及以下违法行为：违反账户管理规定；违反清算管理规定；违反特约商户实名制管理规定；违反反假货币业 务管理规定；占压财政存款或者资金；违反国库科目设置和使用规定；违反信用信息采集、提供、查询及相关管理规定；未按规定履行 客户身份识别义务；未按规定保存客户身份资料和交易记录；未按规定报送大额交易报告或者可疑交易报告；与身份不明的客户进行交 易或者为客户开立匿名账户、假名账户。 | 序号 当事人名称 | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 作出行政处罚 | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | | | 决定书文号 | | | 决定机关名称 決定日期 | | | | | 1. 违反账户管理规定; 2. 违反清算管理规定; | | | | | | | 3. 违反特约商户实名制 | | | | | | | 管 ...