近期，中国人民银行、金融监管总局、中国证监会研究起草了《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（征求意见稿）》（以下简称《管理办法》），以落实新修订的反洗钱法要 求。 围绕《管理办法》涉及的四大关键问题，记者采访了业内专家。 问题一：最新监管规则对于个人存取现金超过5万元有什么要求？ 问题三：在我国金融业的反洗钱实践中存在哪些挑战？ 业内专家：2007年反洗钱法施行以来，金融机构持续健全反洗钱内控制度，依法开展客户尽职调查工 作，完善洗钱预防措施。但近年来出现的洗钱风险案例暴露出部分金融机构尽职调查有效性不足的问 题。 有的机构对不同风险状况的客户采取"一刀切"的尽职调查措施，有的对业务存续期间的风险变化视而不 见，造成资源错配，产生风险隐患。 问题四：《管理办法》如何更好筑牢"反洗钱"防线？ 问题二：制定《管理办法》的主要背景是什么？ 业内专家：制定《管理办法》是落实反洗钱法和迎接国际评估的必然之举。 2024年11月修订通过的《中华人民共和国反洗钱法》已经于今年1月1日起正式施行。反洗钱法专门明确 了基于风险开展客户尽职调查的原则，要求金融机构开展客户尽职调查应当根据客户特征和交易活动 ...

备受关注的 金融机构反洗钱监管规则 或迎来重大调整！ 5万元现金存取或不用再说明用途 近日，中国人民银行、国家金融监督管理总局、中国证监会联合发布《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（征求意见稿）》，面向社会公开征求意见。该征求意见稿已于8月4日起向社会公开征集意见，截止日期为9月3日。 这份新规中最引人注目的变化是：取消了2022年版监管规则中关于个人办理单笔5万元以上现金存取业务需"了解并登记资金来 源或用途"的硬性要求。 此外，在为客户提供现金汇款、实物贵金属买卖等等一次性交易金额业务超过5万元的，金融机构仍需开展尽职调查，并登记客 户身份基本信息，留存客户有效身份证件或者其他身份证明文件的复印件或者影印件。 5万元登记曾引热议 据了解，2022年，针对自然人客户单笔存取5万元以上现金的反洗钱监管规则。 这一规定在当时引发了社会广泛关注，"个人存取现金超5万元需登记资金来源或用途"迅速登上热搜。公众意见呈现分歧： 部分声音认为此举增加了业务办理的繁琐性，甚至担忧可能侵犯个人隐私。 而支持者则认为这是打击洗钱犯罪、维护金融安全的必要手段。 央行相关部门负责人当时回应称，统计数据显示 ...

香港金管局表示，非"认许提供者"不可以向零售或专业投资者"要约提供"稳定币。虚拟资产场外交易机 构(OTC)目前不属于《条例》下的"认许提供者"。 智通财经APP获悉，香港金管局在社交平台帖文表示，香港《稳定币条例》连同稳定币发行人监管制 度，在本月1日正式生效。最近香港金管局留意到市面流传一份有香港金管局标志、关于销售稳定币的 宣传单张。香港金管局澄清并没有发出过任何有关的宣传单张，提醒市民要小心留意。 根据《条例》，稳定币"销售"需要通过受监管的渠道进行，只有"认许提供者"(permitted offerors)可以合 法"要约提供"稳定币。现时"认许提供者"只限于持牌稳定币发行人；获香港证监会发牌进行第1类受规 管活动的法团；获香港证监会发牌的虚拟资产交易平台，银行及储值支付工具持牌人。 ...

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has released a draft regulation for public consultation regarding customer due diligence and the management of customer identity information and transaction records, with the consultation period running from August 4 to September 3 [1]. Group 1 - The most notable change in the new regulation is the removal of the mandatory requirement from the 2022 regulatory rules that required individuals to "understand and register the source or purpose of funds" for cash transactions exceeding 50,000 yuan [2]. - Financial institutions are still required to conduct due diligence and register basic customer identity information for one-time transactions exceeding 50,000 yuan, such as cash remittances and physical precious metal transactions, and to retain copies of valid identification documents [2]. Group 2 - The 2022 regulation regarding cash transactions over 50,000 yuan had sparked widespread social controversy, with public opinions divided on its implications [3][4]. - Some viewed the requirement as cumbersome and a potential invasion of privacy, while supporters argued it was necessary to combat money laundering and maintain financial security [4]. - The regulation was initially set to take effect on March 1, 2022, but was postponed due to "technical reasons," and related transactions continued under previous rules [4]. - The draft regulation is seen as a necessary step to implement the Anti-Money Laundering Law and prepare for an upcoming international assessment in late 2023, which will evaluate China's anti-money laundering efforts [4].

Core Viewpoint - The People's Bank of China and the China Securities Regulatory Commission have issued the "Financial Infrastructure Supervision and Management Measures," effective from October 1, 2023, to enhance the regulatory framework for financial infrastructure and mitigate systemic risks [1][2]. Summary by Relevant Sections Regulatory Framework - The new measures unify the regulation of six types of financial infrastructure, clarifying regulatory responsibilities and enhancing oversight in risk management, corporate governance, and operational requirements [2][3]. - The introduction of "systemically important financial infrastructure" and its recognition standards marks a significant step in establishing a centralized regulatory approach, with the People's Bank of China responsible for macro-prudential management [2]. Impact on Financial Market - Short-term effects include the standardization and upgrade of core processes such as clearing, settlement, and registration, which will enhance market transparency and efficiency [2]. - Long-term implications involve providing technical support for cross-border financial cooperation and the internationalization of the Renminbi, thereby increasing China's influence in global financial rule-making [2]. Compliance and Operational Standards - Financial infrastructure operators are required to operate with licenses, and illegal establishment or provision of financial infrastructure services is prohibited [3]. - The measures outline comprehensive regulations from institutional entry to daily operations and supervision, ensuring compliance and stability in financial infrastructure operations [3]. Future Directions - The People's Bank of China plans to continue strengthening the construction and coordinated regulation of financial infrastructure, aiming to create a rationally structured, effectively governed, and resilient financial infrastructure system to support the development of a strong financial nation [3].

Core Insights - The central government has issued guidelines to promote urban renewal, outlining key tasks and emphasizing the need for financial support to realize these initiatives [1] Group 1: Urban Renewal Guidelines - The guidelines include eight key tasks such as enhancing the renovation of existing buildings and improving old residential areas [1] - Financial support is deemed essential for the success of urban renewal actions, with the financial regulatory authority developing specific loan management measures for urban renewal projects [1][2] Group 2: Loan Management Measures - The new loan management measures focus on four main aspects: coordinated implementation, project list management, market-oriented principles, and risk control [2] - The project list management requires local governments to pre-select projects, allowing financial institutions to conduct independent evaluations, thereby enhancing the precision and effectiveness of financing [2] Group 3: Financial Institution Involvement - Financial institutions are encouraged to actively participate in urban renewal efforts, providing substantial financial backing for various projects, including infrastructure and major construction [3] - The involvement of different financial entities, such as insurance and trust companies, is promoted to support urban renewal through various investment methods [3] Group 4: Future Directions - The financial regulatory authority plans to guide financial institutions in understanding the nuances of urban renewal actions and developing tailored financial products to meet diverse needs [4] - There is an emphasis on creating a replicable and scalable framework for financial support in urban renewal, ensuring effective collaboration between financial resources and public funds [4]

本报讯 记者徐贝贝报道 近期，社会上出现以"快速致富""无需偿还债务"为诱饵的"职业背债"骗 局，部分消费者因轻信此类虚假宣传陷入困境。金融监管总局金融消费者权益保护局提示广大消费者提 高警惕，远离"职业背债"陷阱。 "职业背债"陷阱主要有三种套路。一是虚假宣传引诱。以"无需还款即可获得高额回报""只需贡献 自己征信""短时间轻松获得高额酬劳""不用本人偿还债务"等话术为诱饵，吸引目标人群。二是伪造材 料骗贷。制作虚假职业证明、收入证明、银行流水等资料，将不符合银行贷款条件的人包装成"优质客 户"，骗取银行贷款。三是抽取高额分成。获取银行贷款后，不法分子抽取高额分成，将相关债务和风 险全部转嫁给背债人承担。 一旦成为"职业背债人"，消费者将面临诸多风险隐患。一是承担高额债务。背债人作为借款人，需 依法偿还全部本金及利息，逾期未偿还将面临催收、罚息，甚至被起诉。从实际案例看，背债人到手 的"背债费"只是贷款金额的一部分，大量资金被不良中介和不法人员瓜分，而背债人却要背负远超自身 所得的债务。二是个人信用受损。一旦背债人无力偿还贷款，个人征信将留下不良记录，影响未来获取 正规金融服务，甚至成为失信被执行人，出行、 ...

Group 1 - The core viewpoint of the article is the meeting between the Chairman of the China Securities Regulatory Commission, Wu Qing, and the Chairman of the Swiss Financial Market Supervisory Authority, Marlene Amstad, focusing on enhancing regulatory technology cooperation and bilateral regulatory exchanges [1] Group 2 - The discussion included topics related to strengthening cooperation in the field of regulatory technology [1] - The meeting highlights the importance of international collaboration in financial regulation [1] - The engagement reflects a growing trend towards multilateral regulatory frameworks in the financial industry [1]

Core Insights - The Financial Regulatory Bureau is focusing on enhancing financial support for the high-quality development of Tibet, emphasizing collaboration with local governments and effective risk management [1][2] - The bureau aims to optimize financial services and support major engineering projects, while also promoting the development of characteristic industries in Tibet [1] - There is a commitment to implement the "Four New" project to improve the effectiveness of financial regulation and support for local staff [2] Group 1 - The Financial Regulatory Bureau's leadership visited Tibet to discuss financial support for major projects and regulatory collaboration with local authorities [1] - The bureau expressed gratitude for the support received from the local government in financial regulatory work [1] - The focus is on the "Four Major Issues" and "Four Creations" to enhance financial services and risk management [1] Group 2 - The leadership visited local financial regulatory offices to understand the implementation of grassroots party building and regulatory work [2] - There is an emphasis on adhering to the central government's regulations and improving the working environment for staff [2] - The bureau is committed to increasing care for staff and addressing their practical difficulties in work and life [2]

本报讯记者徐贝贝报道根据党中央、国务院授权，2024年11月28日至12月10日，国家统计局2024年常规 统计督察第8统计督察组对金融监管总局开展统计督察。2025年5月8日，国家统计局向金融监管总局反 馈了《关于对金融监管总局开展常规统计督察情况的反馈意见》。按照统计督察整改工作有关要求，金 融监管总局公布整改情况。 金融监管总局高度重视，系统部署统计督察整改工作。一是加强组织领导，强化政治担当。金融监管总 局党委高度重视，切实履行统计督察整改主体责任，全面领导整改工作。党委书记、局长李云泽主持召 开党委会议，深入学习领会习近平总书记关于统计工作的重要讲话和重要指示批示精神，全面学习贯彻 落实党中央、国务院关于统计工作决策部署，审议通过了落实方案，要求认真抓好整改落实，并以此次 统计督察整改为契机，不断提升金融监管统计质效。 二是突出问题导向，持续跟踪问效。金融监管总局严格对照统计督察发现的问题和提出的意见，建立任 务清单，明确整改任务和责任单位，细化整改措施和完成时限。持续跟踪督办，督促责任单位按计划做 好整改工作，确保整改任务落地见效。 二是压紧压实防治统计造假责任。进一步建立健全防范和惩治统计造假、 ...