40岁之后，我才真切体会到"存钱上瘾"有多快乐！随着年龄一点点往上爬，存款对成年人来说，就像给生活上了一把安全锁，安全感那是蹭蹭往上涨。 就说"重度存钱患者"王大姐吧，她今年43岁，一直单身。跟好多人比起来，王大姐挺幸运，工作一直稳稳当当。可就是没遇到合适的人结婚，所以她就把心 思全放在自己生活上，特别是存款数字上。从老早开始，她就琢磨着打理个人财富。 王大姐存钱，第一步就是每个月雷打不动地把收入的20%存起来。不管这个月有啥大开销，这笔钱必须得留好。这就好比给自己的钱包上了个保险，不管外 面风雨多大，这笔钱都稳稳地在那儿。 工作里发的奖金、绩效，还有其他业绩收入，王大姐也基本都存起来。刚开始存钱，还没养成好习惯的时候，她建议把这些钱存定期。为啥呢？因为定期能 管住自己花钱的手，不让自己乱买东西。 等以后有了更好的理财规划，再把钱取出来，找个更赚钱的门道，让钱生钱。王大姐一开始就看上了一些不错的保险产品，想着能长期保值，给自己的存款 加把锁。 副业带来的收入，那可真是意外之喜。王大姐一开始做副业，就是为了让生活丰富点，没指望能赚多少钱。可谁能想到，疫情那会儿，主业收入降了，副业 赚的钱刚好补上了这个窟窿。后来 ...

Core Viewpoint - The People's Bank of China has officially released the "Management Measures for Anti-Money Laundering and Anti-Terrorist Financing for Precious Metals and Gemstone Practitioners," which will come into effect on August 1, 2025, marking a systematic establishment of anti-money laundering requirements in the precious metals and gemstones trading sector [1][4]. Group 1: Regulatory Framework - The new regulations encompass all domestic institutions engaged in the spot trading of precious metals and gemstones, requiring them to adhere to strict anti-money laundering obligations when cash transactions reach or exceed RMB 100,000 or its equivalent in foreign currency [4]. - The regulations emphasize the importance of "customer due diligence," mandating institutions to effectively identify and verify customer identities and understand the purpose and source of funds for transactions [4][5]. - The People's Bank of China retains the authority to adjust the cash transaction reporting threshold based on changes in money laundering risks, indicating that the current RMB 100,000 standard may not be fixed [4][5]. Group 2: Role of Industry Self-Regulation - Industry self-regulatory organizations, such as the Shanghai Gold Exchange and the China Jewelry Association, are tasked with establishing an "industry anti-money laundering self-regulatory mechanism" under the guidance of the People's Bank of China [4]. - This self-regulatory mechanism will be responsible for developing industry standards, organizing risk alerts and training, coordinating suspicious transaction reporting, and evaluating member institutions [4]. Group 3: Risk-Based Supervision - The regulations adopt a "risk-based" supervisory principle, allowing the People's Bank of China to assess the money laundering risk levels of institutions and implement differentiated regulatory measures [5]. - Institutions are required to establish their own risk assessment mechanisms, conducting comprehensive evaluations at least every three years and performing special assessments before launching new products or services [5]. - Customer due diligence is highlighted as a core defense, requiring institutions to initiate due diligence when cash transactions are suspected of being related to money laundering or when there are doubts about customer identities [5].

将黄金、宝石等常见的贵重物品列为监管对象，提高了洗钱难度和成本 文|《财经》记者 唐郡 2017年，央行设置的贵金属现金大额交易报告起点金额为5万元，新规上调为10万元。对此，中国银行深圳市分行大湾区金融研究院曾圣钧认为， 这可能与金价上涨有关。Wind（万得）数据显示，当前上海金价格为770元左右，约为2017年价格的三倍。 编辑|张威袁满 8月1日起，现金购买黄金达10万元及以上需上报。 近日，中国人民银行（下称"央行"）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》（下称《管理办法》），自8月1日起正式施 行。 《管理办法》规定，在贵金属和宝石交易中，客户单笔或者日累计现金交易金额达10万元（或等值外币）及以上的，交易商需向中国反洗钱监测 分析中心提交大额交易报告。 其中，贵金属是指黄金、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等；宝石是指钻石、玉石等天然宝石的各类原材 料及首饰、制品实物形态。 "贵金属交易存在金额大、现金交易占比高的特性，国际社会普遍将其视为洗钱和恐怖融资高风险领域。"上海申伦律师事务所夏海龙律师对《财 经》表示，《管理办法》将黄金、宝石等常见的贵重物品 ...

【环球网财经综合报道】日前，中国人民银行印发《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》（简称《办法》）， 这一新规将于8月1日起正式施行，为反洗钱工作再添有力武器。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 深律活知 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调查绕计 | 银行会计 | 支付体 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党建工作 | IST | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音頻视频 | 市场动态 | 网上展厅 | 报告下载 | 报刊年 | | | 网送文告 | 办事大厅 | 在线申报 | 下载中心 | 网上调查 | 意见征集 ...

"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《 管理办法 》），明确提出上述要求。 注意！8月1日起，现金买黄金、钻石超过10万元需上报。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 澤集活過 | 炭市政策 | 宏观审慎 | 信贷政策 | 全融市场 | 金融稳定 | 调查统计 | 银行会计 | 支付体系 | | | 金融材技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管 ...

Regulatory Changes - The People's Bank of China has issued new regulations requiring reporting of cash transactions exceeding 100,000 RMB or equivalent foreign currency in the precious metals and gemstones sector, effective from August 1, 2025 [3][4][8] - The regulations aim to establish a systematic regulatory framework to prevent money laundering and terrorist financing risks in the precious metals and gemstones trading sector [5][6] Compliance Requirements - Institutions must conduct customer due diligence based on the risk status of the customer before or after transactions, especially for cash transactions of 100,000 RMB or more [5][6] - A full-process management system is mandated, requiring institutions to establish internal controls for anti-money laundering, designate responsible personnel, and conduct regular risk assessments [6][8] Record Keeping and Reporting - Transaction records must be retained for at least 10 years, and any suspicious transactions, regardless of amount, must be reported promptly [7][8] - Institutions are required to submit large transaction reports within five working days of the transaction occurring [8] Market Trends - International gold prices have risen over 25% in the first half of 2025, driven by safe-haven demand and central bank purchases [9][10] - Experts predict that gold prices will continue to experience upward momentum due to ongoing geopolitical tensions and a weakening dollar [9][11]

Core Viewpoint - The People's Bank of China has issued a new regulation aimed at anti-money laundering and counter-terrorism financing for precious metals and gemstones trading institutions, effective from August 1, requiring compliance for cash transactions exceeding 100,000 RMB or equivalent foreign currency [1][2]. Group 1: Regulatory Requirements - Institutions must submit a large transaction report to the Anti-Money Laundering Monitoring and Analysis Center within five working days for cash transactions of 100,000 RMB or more [2]. - The regulation defines precious metals as gold, silver, platinum, and related products, while gemstones include diamonds and jade [2][3]. Group 2: Risk Management - Institutions are required to conduct customer due diligence based on the "Know Your Customer" principle, especially for transactions exceeding 100,000 RMB or when there are suspicions of money laundering [3]. - Institutions must not provide services to unidentified clients or those using false identities and must take immediate action if invalid identification is detected [4]. Group 3: Risk Assessment - Institutions are mandated to regularly assess their exposure to money laundering risks, with evaluations not exceeding three years, and must reassess when significant changes occur in operations or environment [4]. - Prior to launching new products or services, institutions should evaluate the potential money laundering risks associated with these changes [4].

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," effective from August 1, requiring practitioners engaged in cash transactions of 100,000 RMB or more to fulfill anti-money laundering obligations [1][2] - The threshold for reporting large transactions has been raised from 50,000 RMB to 100,000 RMB, aligning with international anti-money laundering standards [1][2] - The measures specifically target the precious metals and gemstones sector, which has been identified as a high-risk area for money laundering due to its cash-intensive nature [2] Industry Implications - The measures apply to institutions involved in the spot trading of precious metals and gemstones, including the Shanghai Gold Exchange and the China Gemstone and Jewelry Association, but do not cover futures trading [2] - The regulations aim to enhance customer information management and transaction record retention, thereby curbing hidden money laundering methods such as jewelry design and gold transfer [2] - Experts believe that the new regulations will not significantly hinder normal consumer purchases, as only a small percentage of transactions will require identity verification and transaction purpose disclosure [2]

加强贵金属和宝石行业的反洗钱监管，填补长期以来该领域在反洗钱方面的空白。 在客户尽职调查方面，《管理办法》构建了严密的防控机制：若出现客户单笔或日累计金额达10万元人 民币以上（含10万元）的现金交易、有合理理由怀疑客户及其交易涉嫌洗钱活动，或对先前获得的客户 身份资料存疑等情况，从业机构需勤勉尽责，遵循"了解你的客户"原则开展调查，并根据客户洗钱风险 状况在交易开始前或结束前完成。 从业机构应当根据客户洗钱风险状况采取措施开展客户尽职调查，比如包括登记客户姓名、联系方式、 有效身份证件或者其他身份证明文件的种类、号码和有效期限等身份基本信息等。从业机构还需根据客 户尽职调查所获信息，开展客户洗钱风险分类管理。对于长期业务关系或多笔交易的客户，要持续关注 其风险状况、交易和身份信息变化。客户单笔或日累计金额10万元人民币以上（含10万元）的现金交 易，从业机构应在交易发生之日起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。 反洗钱监管持续升级。近日，中国人民银行印发《贵金属和宝石从业机构反洗钱和反恐怖融资管理办 法》（下称《管理办法》），自8月1日起正式施行。《管理办法》将提交大额交易报告的起点金额由 ...

贵金属交易存在交易金额大、现金交易比例高等特点，国际社会普遍将其视为洗钱和恐怖融资高风险领 域。近年来，监管部门高度重视贵金属交易领域的洗钱和恐怖融资风险。 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》）。 《办法》自2025年8月1日起施行。 《办法》提出，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；《办法》要求，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。 | 条法司 | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | | egal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 贯市政策 | 家观审情 | 信貸破策 | 金融市场 | 金融建定 | 周查线 ...