中国商报（记者 王彤旭）为预防洗钱和恐怖融资活动，遏制洗钱及相关犯罪，加强和规范贵金属和宝石从业机构反洗钱和反恐怖融资工作，中国人民银行 近日印发《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》（以下简称管理办法）。管理办法明确，从业机构即中华人民共和国境内依法从事贵金属 和宝石现货交易的交易商。 苏商银行特约研究员武泽伟对中国商报记者表示，该管理办法的施行标志着我国反洗钱监管覆盖面进一步完善。将贵金属和宝石行业纳入法定反洗钱义务体 系，明确了该领域机构的反洗钱责任，堵住了以往可能被不法分子利用的漏洞。 a Production r which the real and 履行反洗钱义务 自2017年7月1日起实施的《金融机构大额交易和可疑交易报告管理办法》和同年印发的《关于加强贵金属交易场所反洗钱和反恐怖融资工作的通知》（以下 简称通知）均明确，金融机构应当提交大额交易报告的起点金额为5万元。 管理办法要求，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，应当履行反洗钱义务。并对从业机构提出要求：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 ...

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].