办法明确界定了监管标的的具体范围。贵金属包括黄金、白银、铂金等及其铸币、标准条锭、制品、中 间产品和精炼后的原材料。宝石则涵盖钻石、玉石等天然宝石的各类原材料及首饰、制品实物形态。这 种全覆盖的定义确保了监管体系的完整性，避免了监管盲区的存在。 交易报告与客户调查要求 新办法所涵盖的从业机构范围相当广泛，包括在中华人民共和国境内依法从事贵金属和宝石现货交易的 所有交易商。具体涉及上海黄金交易所、上海钻石交易所、中国黄金协会、中国珠宝玉石首饰行业协会 等机构的会员单位或成员单位。即使是中小型金店、珠宝行等零售商，只要从事相关现货交易业务，同 样需要遵守反洗钱规定。 办法要求从业机构建立完善的信息保存机制。客户身份资料在业务关系结束后，客户交易信息在交易结 束后，均需至少保存10年。这一保存期限相比之前的5年要求有所延长，体现了监管部门对信息追溯能 力的重视。对于发现的任何可疑交易，无论金额大小，从业机构都必须及时向相关部门报告。 中国人民银行近日发布《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》，该办法将于2025年8 月1日起正式施行。新规明确规定，从业机构开展人民币10万元以上或等值外币现金交易时，必须 ...

【导读】8月1日起，现金买黄金超10万元需上报 中国基金报记者 安曼 8月1日起，如果你用现金购买黄金、钻石或玉石超过10万元，商家必须登记你的身份证并上 报。 上述《办法》自2025年8月1日起正式施行，旨在通过建立系统化监管框架，防范贵金属与宝 石交易领域的洗钱及恐怖融资风险。 贵金属、宝石买卖反洗钱升级 客户交易信息至少保存10年 与今年4月30日央行发布的《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法（征求意见 稿）》相比，《办法》将"贵金属开采企业"排除在从业机构范围之外。 同时，《办法》提醒，金融机构开展贵金属和宝石现货业务，适用金融机构的有关反洗钱规 定；从业机构开展反洗钱工作，《办法》未作规定的，根据行业特点、经营规模、洗钱风险 状况，参照金融机构有关规定履行反洗钱义务。 近日，中国人民银行发布《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》（以下简 称《办法》）。 其中提到，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》要求，从业机构应当根据客户洗钱风险 ...

近日，中国人民银行发布《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》（下称《办 法》）。 其中提到， 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。 第四条 实施反洗钱监督管理应当识别、评估行业和从业机构洗钱风险状况，合理确定监管措施的强 度和频率。 / / 贵金属和宝石从业机构反洗钱和反恐怖融资管理办法 / / 第一章 总 则 第一条 为了预防洗钱和恐怖融资（以下简称洗钱）活动，遏制洗钱及相关犯罪，加强和规范贵金属 和宝石从业机构反洗钱和反恐怖融资（以下简称反洗钱）工作，根据《中华人民共和国反洗钱法》 《中华人民共和国反恐怖主义法》《中华人民共和国中国人民银行法》等法律规定，制定本办法。 第二条 本办法所称从业机构是指在中华人民共和国境内依法从事贵金属和宝石现货交易的交易商。 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，应当根据本办法规定履行 反洗钱义务。 中国人民银行根据从业机构洗钱风险的变化，可以调整本条第二款规定的金额。 第三条 中国人民银行及其分支机 ...

近日，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)"(以下简称《办法》)。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。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。(央视新闻) ...

中国央行《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》明确，现金买黄金、白银、铂金、钻石、玉石等贵金属和宝石超10万元将需要上报。《办法》自2025年8月1日起正式施行。https://t.co/IxtTNbTa5Q https://t.co/rbqCtLlZNO ...

作 者丨张欣 编 辑丨杨希 注意！8月1日起，现金买黄金、钻石超过10万元需上报。 央行新规来了 "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，应当根据本办法规 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。"近日，中国人民银行发布《贵金属和宝石从业机构反洗钱和反恐怖 融资管理办法》（下称《办法》），明确提出上述要求。 | THE PEOPLE'S BANK OF CHINA | | | 中国人民银行 | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 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 | ...

Core Points - The People's Bank of China has issued new regulations to enhance anti-money laundering (AML) measures for precious metals and gemstones, raising the threshold for reporting large transactions from 50,000 RMB to 100,000 RMB, effective from August 1, 2025 [1][2]. Group 1: Regulatory Changes - The new regulation requires reporting of cash transactions of 100,000 RMB or more, or equivalent foreign currency, within five working days to the Anti-Money Laundering Monitoring and Analysis Center [2]. - The previous threshold for reporting was set at 50,000 RMB or equivalent to 10,000 USD, indicating a significant increase in the reporting limit [2]. Group 2: Institutions Covered - The regulations apply to all institutions engaged in the spot trading of precious metals and gemstones within the People's Republic of China [3][4]. - Various entities, including financial institutions and businesses involved in the sale and pawn of gold and gemstones, are required to comply with the new AML obligations [4]. Group 3: Industry Context - The precious metals trading sector is considered a high-risk area for money laundering and terrorist financing due to large transaction amounts and high liquidity [4]. - The evolving complexity of money laundering techniques necessitates stricter regulations to ensure financial security and stability [4].

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, enhancing the anti-money laundering regulations in the precious metals and gemstones industry [1][4]. Summary by Relevant Sections Regulatory Changes - The new regulations expand the scope of anti-money laundering obligations to cover the entire supply chain of precious metals and gemstones, including trading, processing, and recycling [8][11]. - The threshold for reporting large transactions has been raised from 50,000 RMB to 100,000 RMB, requiring practitioners to report cash transactions that meet or exceed this amount [4][5]. Compliance Requirements - Practitioners must adhere to the "Know Your Customer" principle, conducting due diligence based on customer characteristics and transaction nature, particularly for transactions of 100,000 RMB or more [4][10]. - Customer identity information must be collected and retained for at least 10 years after the business relationship ends, an increase from the previous 5-year requirement [5][10]. Industry Impact - The regulations are expected to fill existing regulatory gaps in cash transactions within the precious metals sector, which is often associated with high risks of money laundering and terrorist financing [7][9]. - The broad definition of "precious metals and gemstones" includes all aspects of the industry, significantly increasing the number of entities subject to these regulations [8][11]. Reporting Obligations - Practitioners are required to submit suspicious transaction reports if they suspect any connection to money laundering activities, regardless of the transaction amount [10][12]. - The management of large and suspicious transaction reporting may be facilitated through industry associations, which could help streamline compliance for numerous small businesses [11][12]. Recommendations for Implementation - Industry experts suggest that practitioners should enhance their internal controls and compliance systems to meet the new regulatory requirements effectively [12]. - There is a call for increased collaboration with regulatory bodies to improve data sharing and transaction monitoring capabilities [12].

Core Viewpoint - The People's Bank of China has issued a new regulation aimed at preventing money laundering and terrorist financing in the precious metals and gemstones sector, effective from August 1, 2025, requiring institutions to report large cash transactions of 100,000 RMB or more within five working days [1][3]. Group 1: Regulatory Framework - The new regulation establishes a systematic regulatory framework to mitigate risks associated with money laundering and terrorist financing in the precious metals and gemstones market [1]. - Precious metals include gold, silver, platinum, and their various forms, while gemstones refer to natural stones like diamonds and jade [1]. - Institutions involved in precious metals and gemstones trading, such as the Shanghai Gold Exchange and the China Gemstone and Jewelry Trade Association, are required to comply with the new regulations [1]. Group 2: Risk Management and Compliance - The regulation outlines seven characteristics of suspicious transactions, including sudden large transactions from inactive accounts and significant discrepancies in physical inventory [2]. - Institutions must conduct customer due diligence based on the risk profile of the client before or after transactions, especially for cash transactions of 100,000 RMB or more [2][3]. - A risk-based approach is mandated, with enhanced scrutiny for high-risk institutions and simplified measures for low-risk entities [3]. Group 3: Operational Requirements - Institutions are required to establish internal controls for anti-money laundering, appoint dedicated personnel, and conduct regular risk assessments, with a maximum cycle of three years [3]. - Any suspicious transaction, regardless of amount, must be reported immediately, and customer identity and transaction records must be retained for at least ten years [3]. - Special measures are mandated for transactions involving entities on terrorist lists or under UN sanctions, requiring immediate cessation of services and restrictions on fund transfers [3]. Group 4: Legal Accountability - The regulation includes a mechanism for accountability, imposing penalties on regulatory personnel, self-regulatory organization staff, and institutions for violations, with severe cases referred to judicial authorities [4].

Group 1 - The company emphasizes the importance of updating personal identification documents to comply with anti-money laundering regulations and to ensure uninterrupted service for clients [1][2] - Investors are advised to update their personal information, including financial status and investment preferences, to protect their rights [2][3] - The company collects and processes personal information from institutional clients to comply with legal and regulatory requirements [3][4] Group 2 - The company announces a communication method for convening a meeting of fund shareholders to discuss the continuous operation of the Jiutai Yingtai Quantitative Stock Fund due to its net asset value falling below 500 million yuan for 60 consecutive working days [8][54] - The meeting will allow shareholders to vote on the proposal to continue the fund's operation, with voting open from July 4, 2025, to July 30, 2025 [9][14] - Various voting methods are provided, including paper voting, SMS voting, and telephone voting, to facilitate shareholder participation [15][19][21] Group 3 - The company outlines the conditions for the validity of the meeting, requiring that the votes represent at least half of the total fund shares held by shareholders as of the registration date [50] - The company will ensure that the voting process is supervised and notarized to maintain transparency [42][50] - In case the meeting cannot be successfully held, the company may reconvene the meeting within three to six months [51][52]