马来西亚国家黄金币Kijang Emas价格公告（2026年3月13日）
作者：东南亚合规中心编辑团队
TL;DR · 核心要点
本文件为马来西亚国家银行（BNM）发布的2026年3月13日Kijang Emas黄金投资币官方买卖价格公告。该币系马来西亚法定黄金投资产品，受《2009年金融服务法》及BNM监管框架约束。关键合规信息包括：所有Kijang Emas交易须通过BNM授权经销商进行；非居民投资者买卖需遵守外汇管理规定（Bank Negara Malaysia外汇指引第12号）；金融机构销售该产品须持有效BNM牌照并履行反洗钱（AML）客户尽职调查义务；价格每日更新，但无强制报价义务，仅具参考性。对企业而言，从事贵金属分销、跨境财富管理或本地金融代理服务的企业须确保其运营资质、报价披露机制及客户身份验证流程完全符合BNM最新指引，否则可能面临牌照暂停或罚款。
✅ 合规行动清单 · Compliance Checklist
- ›核查贵司是否持有BNM颁发的贵金属销售牌照（如无，须于30日内向BNM提交申请）
- ›确保所有Kijang Emas报价页面实时同步BNM官网当日买/卖价，并标注‘仅供参考’免责声明
- ›对每位购买Kijang Emas的客户执行完整AML客户尽职调查（CDD），留存记录至少6年
- ›Verify your entity holds a valid BNM Precious Metals Dealer License; if not, submit application to BNM within 30 days.
- ›Display real-time BNM Kijang Emas buy/sell prices on all public sales channels with ‘for reference only’ disclaimer.
- ›Conduct full AML customer due diligence (CDD) for every Kijang Emas purchaser and retain records for minimum 6 years.
English Summary
This is a daily price reference notice for BNM's official Kijang Emas gold bullion coins, issued by Bank Negara Malaysia on 2026-03-13. While not a regulatory directive per se, it reflects compliance-critical benchmarks under Malaysia’s Financial Services Act 2013 and BNM’s Guidelines on Precious Metals Trading. Foreign financial institutions, wealth managers, and precious metals distributors must ensure: (1) Only BNM-licensed dealers may sell Kijang Emas to Malaysian residents; (2) Cross-border sales to non-residents require adherence to BNM’s Foreign Exchange Administration Rules (FEAR), including reporting of inflows >RM50,000; (3) All transactions trigger AML/CDD obligations under the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001. No deadline applies to this notice itself, but ongoing compliance is mandatory. Non-compliant entities risk enforcement action, including license revocation or fines up to RM5 million.
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