2025年12月3日，欧盟委员会正式宣布将俄罗斯列入反洗钱和反恐怖融资（AML/CFT）高风险第三国 名单，理由是俄罗斯的AML/CFT体系存在战略性缺陷。这一决定标志着欧盟在金融监管领域对俄罗斯采取了 更为严厉的措施，将直接影响欧盟金融机构与俄罗斯的金融往来。 一、监管背景：欧盟为何独立行动 此次决定源于欧盟与金融行动特别工作组（FATF）的分歧。2023年2月，FATF因俄乌冲突暂停了俄罗 斯的成员资格，但由于巴西、印度、中国、南非等金砖国家的反对，FATF未能将俄罗斯列入高风险国家黑名 单。面对这一僵局，欧洲议会多次敦促欧盟委员会采取独立行动。欧盟委员会承诺在2025年底前完成审查， 此次决定正是对这一承诺的兑现。 值得注意的是，从2025年7月起，欧盟新成立的反洗钱监管局（AMLA）将从2027年7月起参与起草黑名 单。此次决定是欧盟在AMLA全面运作前展示其独立监管能力的重要标志。 二、法律依据与生效时间 三、对金融机构的核心要求 根据《第四号反洗钱指令》，被列入黑名单意味着欧盟境内所有受AML框架监管的金融机构和非金融机 构必须对涉及俄罗斯的交易实施强化尽职调查（EDD）。具体包括： 1. 强制性 ...

新华社北京11月28日电（记者吴雨、任军）记者11月28日从中国人民银行获悉，近日中国人民银行 等三部门发文，规范金融机构客户尽职调查、客户身份资料及交易记录保存行为，并自2026年1月1日起 施行。 此外，根据管理办法，金融机构应当保存的交易记录包括关于每笔交易的数据信息、业务凭证、账 簿以及有关规定要求的反映交易真实情况的合同、业务凭证、单据、业务函件和其他资料。 【纠错】 【责任编辑:张樵苏】 为了预防和遏制洗钱和恐怖融资活动，中国人民银行、金融监管总局、中国证监会联合对外公布了 《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》，指导金融机构合理、有效开展客 户尽职调查等行为。 管理办法提出，金融机构应当勤勉尽责，遵循"了解你的客户"的原则，识别并采取合理措施核实客 户及其受益所有人身份，根据客户特征和交易活动的性质、风险状况，采取相应的尽职调查措施。涉及 较高洗钱、恐怖融资风险的，应当采取相应的强化尽职调查措施，必要时可以采取与风险相匹配的洗钱 风险管理措施。涉及较低洗钱、恐怖融资风险的，根据情形采取简化尽职调查措施。 管理办法还规定，金融机构应当保存的客户身份资料包括记载客户身份信息、受 ...

Core Viewpoint - The central bank has released feedback on the public consultation regarding the implementation of the "Supervision and Administration Measures for Anti-Money Laundering and Anti-Terrorist Financing by Financial Institutions," indicating that most of the 17 opinions received during the consultation period have been adopted [1] Group 1 - The suggestion to remove the reporting obligation regarding penalties or sanctions imposed by local anti-money laundering regulatory authorities on independent foreign legal entities within the same group has been adopted, and the relevant provisions have been deleted [1] - The recommendation to change the signatory authority for the annual anti-money laundering work report from the institution's main responsible person to "responsible person" has been accepted, with the term "main responsible person" modified to "responsible person" [1] - The difficulty in submitting the annual anti-money laundering work report by the end of January of the following year has led to the adoption of a revised deadline, which has been changed to the end of March [1]

Core Points - The People's Bank of China (PBOC) has released a draft decision to modify and abolish certain regulations, which will be open for public consultation from July 15 to August 14, 2025 [1] - A total of 28 valid opinions were received during the consultation period, with most suggestions being adopted after thorough research and analysis [1] Group 1: Suggestions and Adoption - The suggestion to add supplementary requirements for institutions reporting large transactions has been adopted, with relevant requirements included in Article 9(4) of the "Management Measures for Reporting Large Transactions and Suspicious Transactions by Financial Institutions" [1] - The recommendation to further clarify the requirements for monitoring lists has been accepted, with details to be specified in the management measures related to anti-money laundering [1] - The proposal to clarify the responsibilities of the leading department and related business departments in financial institutions regarding anti-money laundering has been adopted, with modifications made to Articles 4 and 10 of the "Supervision Management Measures" [1] - The suggestion to supplement the circumstances under which financial institutions should conduct irregular special assessments has been accepted, with the term "regular" removed from Article 4 of the "Supervision Management Measures" [1] - The recommendation to retain the original wording of Article 8(2) of the "Supervision Management Measures" has been adopted, adding a requirement for institutions to take necessary legal measures for money laundering risk management when needed [1]

Group 1 - The event aimed to enhance the awareness of anti-money laundering among precious metal operators and effectively prevent money laundering risks [1][3] - The market supervision bureau provided interpretations of the legal basis and significance of the "Beneficial Owner Information Filing System" under the Anti-Money Laundering Law of the People's Republic of China [3] - The bureau emphasized the importance of timely completion of beneficial owner information filing and the social responsibility of market entities in anti-money laundering efforts [3] Group 2 - The market supervision bureau plans to strengthen risk investigation and crackdown on money laundering and terrorist financing in key sectors and industries [3] - There will be continuous innovation in promotional methods to expand the coverage of anti-money laundering awareness [3] - The initiative aims to mobilize various parties to contribute to safeguarding the public's financial interests [3]

Core Points - The People's Bank of China (PBOC) and the Central Bank of Brazil signed a Financial Strategic Cooperation Memorandum and a bilateral currency swap agreement, aiming to enhance cooperation between the two central banks [1][2] - The bilateral currency swap agreement is valued at 190 billion RMB / 157 billion Brazilian Reais, effective for five years, with the possibility of extension, facilitating the use of local currencies in trade and investment [1] - The agreements signify a new phase of mutually beneficial and efficient cooperation, providing better financial services for enterprises and strengthening the comprehensive strategic partnership between China and Brazil [2] Group 1 - The Financial Strategic Cooperation Memorandum aims to improve the investment environment, enhance financial market infrastructure, and support cross-border payment systems [1] - The currency swap agreement will help stabilize financial markets and promote trade and investment facilitation between China and Brazil [1] - The PBOC and the Central Bank of Brazil will collaborate on anti-money laundering and counter-terrorism financing efforts, sharing intelligence to combat cross-border financial crimes [2] Group 2 - The PBOC will also sign a Financial Strategic Cooperation Memorandum with the Brazilian Ministry of Finance to coordinate on financial markets and international monetary policy [2] - The cooperation includes exploring sustainable development financing mechanisms and promoting reforms in the international monetary system [2] - The agreements are expected to provide financial support for the alignment of development strategies between China and Brazil [2]

Core Points - 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" to implement the Anti-Money Laundering Law of the People's Republic of China [1][2] - The measures require practitioners to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more, or equivalent foreign currency [2][3] - The new regulations will take effect on August 1, 2025, and practitioners must submit large transaction reports to the Anti-Money Laundering Monitoring and Analysis Center within five working days of the transaction [3] Summary by Category Regulatory Framework - The issuance of the management measures is part of the effort to enhance compliance with anti-money laundering laws in the precious metals and gemstone sectors [1][2] - The measures outline specific obligations for practitioners regarding cash transactions above the threshold of 100,000 RMB [2][3] Compliance Requirements - Practitioners are required to conduct customer due diligence based on the "Know Your Customer" principle for transactions that meet the specified cash threshold [2][3] - A large transaction report must be submitted within five working days for qualifying transactions [3] Implementation Timeline - The new management measures will come into effect on August 1, 2025, providing a timeline for practitioners to prepare for compliance [3]

Core Points - The People's Bank of China has issued a notice regarding the implementation of anti-money laundering and counter-terrorism financing management measures for precious metals and gemstone industry practitioners, effective from August 1, 2025 [1][3] Group 1: Regulatory Framework - 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] - Institutions must conduct customer due diligence based on the "Know Your Customer" principle for transactions meeting the specified threshold [3] - A large transaction report must be submitted to the Anti-Money Laundering Monitoring and Analysis Center within five working days of the transaction [3]

Core Points - The People's Bank of China has issued a notice regarding the implementation of the "Management Measures for Anti-Money Laundering and Counter-Terrorist Financing for Precious Metals and Gemstone Practitioners" [1] - The measures will take effect from August 1, 2025 [3] Summary by Sections Regulatory Framework - Institutions engaging in cash transactions of 100,000 RMB or more (including 100,000 RMB) or equivalent foreign currency must fulfill anti-money laundering obligations as per the new measures [3] - Institutions are required to conduct customer due diligence based on the "Know Your Customer" principle, considering customer characteristics and the nature of transaction activities [3] Reporting Requirements - For cash transactions of 100,000 RMB or more (including 100,000 RMB) or equivalent foreign currency, institutions must submit a large transaction report to the Anti-Money Laundering Monitoring and Analysis Center within five working days of the transaction [3]

Group 1 - The People's Bank of China has issued a notice regarding the implementation of anti-money laundering and anti-terrorist financing management measures for precious metals and gemstone industry practitioners [1] - Institutions are required to fulfill anti-money laundering obligations for cash transactions of 100,000 RMB or more, or equivalent foreign currency [1] - Institutions must conduct customer due diligence based on the "Know Your Customer" principle for transactions meeting the specified threshold [1] Group 2 - Institutions are mandated to submit large transaction reports to the Anti-Money Laundering Monitoring and Analysis Center within five working days of the transaction [1] - The new measures will take effect on August 1, 2025 [1]