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]

Core Viewpoint - Agricultural Bank of China is actively engaging with the community to promote anti-money laundering and financial safety awareness, demonstrating its commitment to serving the public and enhancing financial literacy [1][2]. Group 1: Community Engagement - The bank's staff initiated a promotional activity outside a convenience store, showcasing its proactive approach to financial education [1]. - The collaboration with the convenience store owner highlights the bank's strategy to extend its services beyond traditional banking environments [1][2]. Group 2: Financial Literacy Promotion - The promotional materials were designed to be easily understood, making complex financial concepts accessible to the general public [1]. - Residents showed interest and engagement, indicating the effectiveness of the bank's outreach efforts in raising awareness about financial scams [2]. Group 3: Commitment to Social Responsibility - The bank's mission includes serving agriculture, the real economy, and the public, which is reflected in its community-focused initiatives [2]. - The activity exemplifies the bank's dedication to protecting the financial interests of the public and fulfilling its social responsibilities as a state-owned enterprise [2].

Core Points - The Australian real estate industry is set to undergo significant anti-money laundering reforms, with a consensus reached that real estate agents do not need to halt transactions if clients refuse to provide identity information [1][3] - The reforms, known as "Tranche 2," will take effect on July 1, 2025, and aim to address the real estate sector's vulnerability to money laundering [3] Group 1: Regulatory Overview - Approximately 90,000 businesses across various sectors, including real estate companies, will be required to fulfill Know Your Customer (KYC) obligations similar to those of banks [1] - AUSTRAC's national manager for policy rules and guidance, Daniel Mossop, emphasized the need for a balance between strict enforcement and avoiding excessive burdens on the industry [6] - Companies must demonstrate reasonable efforts to understand their clients, even if clients refuse to provide information, and must submit a Suspicious Matter Report (SMR) when necessary [6][3] Group 2: Compliance and Industry Response - The new regulations allow other parties involved in transactions, such as lawyers or title transfer agents, to conduct identity verification, provided there is a written arrangement and information sharing before settlement [7] - The compliance market for identity verification is rapidly growing, with companies like PEXA and ConnectID developing verification services to meet the rising demand [8] - PEXA's strategic and delivery manager, Kate Camilleri, indicated that commercializing identity verification is a direction the company is pursuing, despite opposition from competitors like InfoTrack [8]

Core Viewpoint - The company is actively promoting financial safety and consumer protection through a comprehensive community outreach initiative in response to national regulatory calls, aiming to prevent systemic financial risks and enhance public awareness of financial security measures [1] Group 1: Community Financial Safety Initiatives - The company launched a four-dimensional publicity campaign starting June 13, focusing on preventing illegal financial activities, promoting the new Anti-Money Laundering Law, ensuring safety production, and enhancing consumer protection awareness [1] - The initiative includes setting up consultation booths, distributing educational materials, and engaging residents in knowledge competitions to raise awareness about illegal financial practices and fraud prevention [3] Group 2: Anti-Money Laundering Education - The company is distributing brochures and manuals detailing the dangers of money laundering and how to identify suspicious activities, while also establishing reporting consultation stations to encourage residents to protect their personal information [4] Group 3: Emergency Preparedness and Safety Training - The company collaborates with fire departments to conduct emergency drills, including hazard inspections, evacuation simulations, and fire extinguisher training, to enhance community emergency response capabilities [5] Group 4: Consumer Rights Awareness - The company has initiated a special campaign titled "Consumer Protection for a Better Life," which includes interactive Q&A sessions and one-on-one consultations on topics like elder fraud prevention and consumer rights, reaching over 500 residents [6] - The company emphasizes its commitment to safeguarding public safety and consumer rights as a key aspect of its social responsibility, planning to continue regular financial education activities to strengthen community safety [6]

Group 1 - The European Commission has added Nepal to a list of high-risk third countries for money laundering and terrorist financing, alongside nine other nations [1] - The inclusion of Nepal means that financial transactions involving the country will face stricter due diligence and closer monitoring by EU financial institutions [1] - This decision is part of the EU's efforts to protect its financial system and enforce international standards against illicit financial flows [1] Group 2 - In February 2024, the Financial Action Task Force (FATF) also placed Nepal on a similar grey list, indicating a need for increased monitoring [2] - The EU's latest list aligns with FATF standards, reflecting a commitment to international norms in combating money laundering and terrorist financing [2] - Concerns regarding Nepal's financial governance, particularly in monitoring and preventing financial crimes, have been highlighted by the international community [2]

Core Viewpoint - Several banks in China, including Ningde Rural Commercial Bank, are implementing customer identity verification processes to enhance security and comply with regulatory requirements, which may restrict services for customers with incomplete or inaccurate information [1][3][7]. Group 1: Identity Verification Initiatives - Ningde Rural Commercial Bank announced a verification process for personal customer identity information, including name, gender, nationality, occupation, address, contact number, and identification document details [3]. - Other banks, such as the Bank of China Shandong branch and various rural commercial banks, have also issued similar announcements regarding customer identity verification [2][4]. - The verification process is in response to regulatory requirements, including the Anti-Money Laundering Law of the People's Republic of China [3][7]. Group 2: Service Restrictions and Account Management - Customers with incomplete or inaccurate identity information will face restrictions on financial services, with a planned suspension of non-counter services for those lacking complete information starting June 2025 [3][4]. - Some banks are also addressing the issue of "sleeping accounts," which are accounts that have not had any transactions for an extended period, leading to potential account closures [4][11]. - Continuous monthly cleaning of accounts that meet specific criteria, such as inactivity for three years and low balances, will be implemented [5][11]. Group 3: Broader Industry Trends - Over thirty banks have initiated similar identity verification and account cleaning measures since June of the previous year, indicating a broader industry trend towards enhancing customer information accuracy [11][12]. - The banking sector is experiencing a shift from rapid expansion to a focus on quality, as evidenced by a slowdown in the growth rate of bank card issuance [10][12]. - The total number of bank cards issued in China reached 9.913 billion by the end of 2024, with a growth rate of only 1.29%, significantly lower than previous years [10].