活动现场，工作人员通过设立宣传咨询台、悬挂横幅、发放精心制作的宣传册等方式，向广大师生普及 反洗钱及反恐怖融资的基本知识、法律法规、常见手法及危害。讲解内容结合真实案例，揭示了非法集 资、电信网络诈骗、出租出借账户等行为与洗钱犯罪的关联性，引导学生们认清其社会危害，增强风险 防范意识和辨别能力，自觉远离和抵制各类洗钱犯罪活动。 为增强宣传的趣味性和互动性，提升学生参与度，此次活动特别设计了新颖的互动环节。工作人员准备 了印有反洗钱宣传标语的创意手举牌，吸引学生们纷纷拍照打卡，在轻松愉快的氛围中加深对"保护个 人信息安全""不出租出借身份证件和银行账户""警惕身边洗钱陷阱"等理念的理解和记忆。 来源：环球网 为提升社会公众特别是青少年群体的反洗钱及反恐怖融资意识，近日，邮储银行周口市分行走进周口市 职业技术学院，开展反洗钱及反恐进校园宣传活动。 据悉，此次活动紧扣"全民反恐 共创平安"宣传主题，以"反恐融资筑屏障，反洗钱护民生"为宣传口 号，将金融安全的种子播撒进校园，构筑坚实的校园金融安全屏障。 据介绍，此次"反洗钱及反恐知识进校园"活动是邮储银行周口市分行积极履行社会责任、践行金融为民 理念的生动体现。活动 ...

Core Points - The new regulation issued by the People's Bank of China, the National Financial Regulatory Administration, and the China Securities Regulatory Commission aims to prevent money laundering and terrorist financing by allowing financial institutions to tailor their customer due diligence based on specific risk levels rather than applying a blanket approach [2][4][5] Group 1: General Provisions - The regulation is designed to standardize customer due diligence, customer identity information, and transaction record management to maintain national security and financial order [4] - Financial institutions are required to adopt a risk-based approach, conducting enhanced due diligence for high-risk situations and simplified measures for low-risk scenarios [4][5] Group 2: Customer Due Diligence - Financial institutions must conduct customer due diligence when establishing business relationships or providing significant one-time financial services, particularly when there are reasonable suspicions of money laundering or terrorist financing [9][10] - Institutions are prohibited from providing services to unidentified customers or opening anonymous accounts [10][11] Group 3: Record Keeping - Financial institutions are mandated to maintain customer identity information and transaction records for at least ten years after the end of the business relationship or one-time service [37][38] - The records must be stored securely to ensure they can be reproduced and provided to regulatory authorities when necessary [37] Group 4: Legal Responsibilities - Violations of the regulation may result in penalties imposed by the People's Bank of China or relevant financial management departments [41] - The regulation will come into effect on January 1, 2026, replacing previous regulations [47][52]

Core Viewpoint - The People's Bank of China emphasizes that the digital RMB will respect privacy and personal information protection while preventing misuse by criminals [1][2]. Group 1: Digital RMB Features - Digital RMB will maintain the complete anonymity provided by physical cash, ensuring that the issuance of digital currency does not strip away this feature [1]. - The concept of "controlled anonymity" is introduced, which aims to enhance public experience and security in payment services [1]. Group 2: Regulatory Framework - A top-level institutional design is necessary to ensure the effective implementation of controlled anonymity for digital RMB [2]. - An information isolation mechanism should be established to ensure the independence of digital RMB operating institutions and regulate the use of customer information [2]. - Legal conditions for querying, freezing, and deducting from digital wallets must be clearly defined, allowing only authorized entities to access user information under specific legal circumstances [2]. Group 3: Compliance and Monitoring - A penalty mechanism should be established to impose sanctions on institutions that mishandle digital RMB customer information, thereby strengthening regulatory oversight [2]. - Regulations related to anti-money laundering and counter-terrorism financing should be improved, aligning with the principles of the Financial Action Task Force (FATF) [2]. Group 4: Technological Integration - The regulation of digital RMB will leverage regulatory technology, utilizing big data, artificial intelligence, and cloud computing to enhance the identification, prevention, and resolution of cross-industry financial risks [3].

Group 1 - The core viewpoint of the article is the introduction of a draft regulation aimed at enhancing the prevention and control of money laundering and terrorist financing activities in China [1] - The draft regulation requires financial institutions to conduct customer due diligence for transactions exceeding RMB 50,000 or the equivalent of USD 10,000, and to retain copies of customer identification documents [3] - Financial institutions are mandated to electronically store customer identity information and transaction records for a minimum of 10 years after the business relationship or transaction ends [5]

Core Viewpoint - The People's Bank of China has issued a new regulation on anti-money laundering and counter-terrorist financing for precious metals and gemstones, effective from August 1, 2023, which mandates institutions to fulfill anti-money laundering obligations for cash transactions exceeding 100,000 RMB or its equivalent in foreign currency [1][2]. Group 1: Regulatory Context - The regulation aims to address the regulatory gap in the precious metals and gemstones sector, which is often exploited for money laundering due to its high value and portability [1]. - The Financial Action Task Force (FATF) has classified precious metals and gemstones traders as specific non-financial institutions, requiring them to comply with anti-money laundering obligations [2]. - The 100,000 RMB cash threshold is seen as a balance between regulatory efficiency and cost, aligning with international standards [2]. Group 2: Impact on Consumers - Consumers purchasing precious metals or gemstones through non-cash methods, such as credit cards or mobile payments, are not directly affected by the new regulation, regardless of the amount [3]. - The regulation primarily targets cash transactions, and as long as consumers ensure their funds are legally sourced and transactions are conducted through proper channels, their normal investment activities will not be significantly impacted [3]. Group 3: Industry Response and Future Outlook - The regulation reflects a growing trend towards stricter compliance requirements for anti-money laundering within the industry, necessitating institutions to invest more resources in establishing robust internal controls [3]. - There is an emphasis on enhancing data sharing and communication with regulatory bodies to improve transaction monitoring and identification of suspicious activities [3].

Core Viewpoint - The People's Bank of China has introduced new regulations aimed at enhancing anti-money laundering measures in the precious metals and gemstones industry, which will take effect on August 1, 2025. This is in response to the high cash transaction volume and the industry's historical association with money laundering risks [1]. Group 1: Regulatory Changes - The new regulations require institutions to report cash transactions exceeding 100,000 RMB or equivalent foreign currency within five working days to the Anti-Money Laundering Monitoring and Analysis Center [1]. - Merchants in the Shenzhen gold and jewelry market have not yet received specific notifications regarding the implementation of these regulations, but they anticipate that enforcement will occur soon [1]. Group 2: Market Trends - International gold prices have been fluctuating around historical highs, with a notable decline of over 10% from peak levels in late July [1]. - The demand for gold jewelry has decreased in recent months, with merchants reporting a drop in sales volume, including a 15% decline in July compared to June [2]. - The World Gold Council reported a 3% year-on-year increase in global gold demand in Q2 2025, totaling 1,249 tons, but noted a 14% decline in gold jewelry consumption, approaching levels seen during the pandemic [2]. Group 3: Consumer Behavior - Consumers are becoming more cautious, with many preferring to invest in gold bars rather than high-cost gold jewelry, as the latter incurs additional costs and lower resale values [2]. - A price threshold of 800 RMB per gram is seen as a critical point that could stimulate consumer interest in purchasing gold [2]. Group 4: Future Outlook - The gold jewelry market in China may continue to face pressure due to low consumer confidence and high gold prices, although seasonal improvements and potential policy support could provide some relief [3]. - The macroeconomic environment remains uncertain, which may further bolster gold's appeal as a safe-haven asset, potentially driving prices higher if geopolitical tensions escalate [3].

Group 1 - The People's Bank of China has implemented new regulations requiring reporting of cash transactions exceeding 100,000 RMB or equivalent foreign currency for gold and diamond purchases starting from August 1, 2025 [4][5] - Financial institutions must conduct due diligence and submit large transaction reports to the Anti-Money Laundering Monitoring and Analysis Center within five working days for transactions meeting the threshold [4][5] - The regulations are part of the broader framework aimed at enhancing anti-money laundering and counter-terrorism financing measures within the precious metals and gemstones industry [4]

Core Viewpoint - The People's Bank of China has issued new regulations regarding anti-money laundering and anti-terrorist financing for precious metals and gemstone businesses, effective from August 1, 2025, which will impact cash transactions exceeding 100,000 RMB or equivalent foreign currency [1][3][10]. Group 1: Regulatory Changes - The new regulations require institutions to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more, or equivalent foreign currency [3][10]. - Institutions must conduct customer due diligence based on the "Know Your Customer" principle for transactions that meet the specified threshold [3][10]. - A report on large transactions must be submitted to the Anti-Money Laundering Monitoring and Analysis Center within five working days of the transaction [3][10]. Group 2: Implementation Date - The regulations will come into effect on August 1, 2025, marking a significant change in compliance requirements for the industry [3][10].

Regulatory Changes - The People's Bank of China issued a notice regarding the implementation of the "Anti-Money Laundering and Counter-Terrorism Financing Management Measures for Precious Metals and Gemstone Practitioners," effective from August 1, 2025, requiring institutions to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more [1] - The "Administrative Penalty Discretionary Power Benchmarking Regulations for Cyberspace Administration" will also take effect on August 1, 2025, emphasizing heavier penalties for severe violations related to network information security and personal data protection [5] - The "Regulations on the Management of Risk Monitoring and Evaluation of Cosmetic Safety" will be implemented on August 1, 2025, focusing on monitoring five categories of risk substances in cosmetics [6] Industry Impact - The new regulations will require institutions dealing in precious metals and gemstones to report large cash transactions to the Anti-Money Laundering Monitoring and Analysis Center within five working days [1] - The updated "Occupational Disease Classification and Catalog" will come into effect on August 1, 2025, expanding the classification from 10 categories and 132 diseases to 12 categories and 135 diseases, including new categories for occupational musculoskeletal diseases and occupational mental and behavioral disorders [3] - The "Defective Special Equipment Recall Management Rules" will also be implemented on August 1, 2025, covering various special equipment including elevators and amusement facilities, establishing a structured recall process [5]

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, aiming to enhance regulatory compliance in the precious metals and gemstones sector [1][10]. Summary by Relevant Sections - The new regulations require institutions to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more, or equivalent foreign currency, and to report large transactions to the Anti-Money Laundering Monitoring and Analysis Center within five working days [3][10]. - Institutions must conduct due diligence based on the "Know Your Customer" principle, assessing customer characteristics and transaction nature to identify money laundering risks [3][10]. - The regulations are part of a broader effort to implement the Anti-Money Laundering Law of the People's Republic of China, ensuring that the precious metals and gemstones industry adheres to strict compliance standards [1][10].