03 金融机构反洗钱规定(20061114).docx

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1、Provisions on Anti-money Laundering of Financial Institutions金融机构反洗钱规定窗体顶端窗体底端Promulgating Institution:The Peoples Bank of ChinaDocument Number:Decree 2006 No. 1 of the Peoples Bank of ChinaPromulgating Date:11/14/2006Effective Date:01/01/2007Validity Status:Valid颁布机关:中国人民银行文 号:中国人民银行令2006第1号颁布时间:11

2、/14/2006实施时间:01/01/2007效力状态:有效Text正文Article 1 In accordance with the Anti-money Laundering Law of the Peoples Republic of China, the Law of the Peoples Republic of China on the Peoples Bank of China and other relevant laws and administrative regulations, these Provisions are formulated with a view t

3、o preventing money laundering, regulating anti-money laundering supervision and administration as well as the anti-money laundering work of financial institutions, and maintaining the financial order. 第一条 为了预防洗钱活动,规范反洗钱监督管理行为和金融机构的反洗钱工作,维护金融秩序,根据中华人民共和国反洗钱法、中华人民共和国中国人民银行法等有关法律、行政法规,制定本规定。 Article 2

4、These Provisions shall apply to the following financial institutions duly established within the territory of the Peoples Republic of China:(1) commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings institutions and policy banks;(2) securities companies, futures broke

5、rage companies and fund management companies;(3) insurance companies and insurance asset management companies; (4) trust investment companies, financial asset management companies, financial companies, financial leasing companies, auto financing companies, currency brokerage companies; and(5) other

6、financial institutions designated and announced by the Peoples Bank of China (PBOC).Institutions engaging in currency exchange business, payment and settlement business, and sales of funds shall be governed by the provisions of these Provisions on the supervision and administration over anti-money l

7、aundering of financial institutions.第二条 本规定适用于在中华人民共和国境内依法设立的下列金融机构:(一)商业银行、城市信用合作社、农村信用合作社、邮政储汇机构、政策性银行;(二)证券公司、期货经纪公司、基金管理公司;(三)保险公司、保险资产管理公司;(四)信托投资公司、金融资产管理公司、财务公司、金融租赁公司、汽车金融公司、货币经纪公司;(五)中国人民银行确定并公布的其他金融机构。从事汇兑业务、支付清算业务和基金销售业务的机构适用本规定对金融机构反洗钱监督管理的规定。 Article 3 The PBOC shall be the competent ad

8、ministrative department of anti-money laundering affairs of the State Council, to carry out supervision and management over the anti-money laundering work of financial institutions pursuant to the law. The China Banking Regulatory Commission (CBRC), the China Securities Regulatory Commission (CSRC)

9、and the China Insurance Regulatory Commission (CIRC) shall perform their duties of supervision and administration over anti-money laundering activities within their respective powers.During the performance of the duties of fighting money laundering, the PBOC shall cooperate with relevant departments

10、 and institutions of the State Council and judicial organs.第三条 中国人民银行是国务院反洗钱行政主管部门,依法对金融机构的反洗钱工作进行监督管理。中国银行业监督管理委员会、中国证券监督管理委员会、中国保险监督管理委员会在各自的职责范围内履行反洗钱监督管理职责。中国人民银行在履行反洗钱职责过程中,应当与国务院有关部门、机构和司法机关相互配合。 Article 4 The PBOC shall, as authorized by the State Council, engage in international anti-money l

11、aundering cooperation for and on behalf of the Chinese Government. The PBOC may conduct transnational supervision and administration over anti-money laundering by establishing cooperation mechanism with anti-money laundering institutions of other countries or regions. 第四条 中国人民银行根据国务院授权代表中国政府开展反洗钱国际合

12、作。中国人民银行可以和其他国家或者地区的反洗钱机构建立合作机制,实施跨境反洗钱监督管理。 Article 5 The PBOC shall perform the following duties on supervision and administration over anti-money laundering activities pursuant to the law:(1) formulating rules of anti-money laundering of financial institutions independently or in conjunction with

13、 the CBRC, the CSRC and the CIRC;(2) monitoring funds of anti-money laundering in RMB or in foreign currencies;(3) supervising and inspecting the performance of duties in anti-money laundering of financial institutions;(4) investigating suspicious transactions within its power;(5) reporting to inves

14、tigating organs the transactions suspected of involving criminal offenses related to money laundering;(6) exchanging anti-money laundering information and materials with overseas anti-money laundering institutions pursuant to relevant laws and administrative regulations; and(7) performing other rele

15、vant duties as specified by the State Council.第五条 中国人民银行依法履行下列反洗钱监督管理职责:(一)制定或者会同中国银行业监督管理委员会、中国证券监督管理委员会和中国保险监督管理委员会制定金融机构反洗钱规章;(二)负责人民币和外币反洗钱的资金监测;(三)监督、检查金融机构履行反洗钱义务的情况;(四)在职责范围内调查可疑交易活动;(五)向侦查机关报告涉嫌洗钱犯罪的交易活动;(六)按照有关法律、行政法规的规定,与境外反洗钱机构交换与反洗钱有关的信息和资料;(七)国务院规定的其他有关职责。 Article 6 China Anti-money Lau

16、ndering Monitoring and Analysis Center, as established by the PBOC, shall perform the following duties in accordance with the law:(1) accepting and analyzing reports on large-sum transactions in RMB or in foreign currencies and reports on suspicious transactions; (2) establishing the National Anti-m

17、oney Laundering Database to properly keep the information on large-sum transactions and suspicious transactions reported by financial institutions;(3) reporting the analysis results to the PBOC pursuant to relevant provisions;(4) requiring financial institutions to promptly supplement and correct re

18、ports on large-sum transactions in RMB or in foreign currencies as well as reports on suspicious transactions;(5) exchanging information and materials with relevant overseas institutions upon approval of the PBOC; and(6) performing other duties as specified by the PBOC.第六条 中国人民银行设立中国反洗钱监测分析中心,依法履行下列

19、职责:(一)接收并分析人民币、外币大额交易和可疑交易报告;(二)建立国家反洗钱数据库,妥善保存金融机构提交的大额交易和可疑交易报告信息;(三)按照规定向中国人民银行报告分析结果;(四)要求金融机构及时补正人民币、外币大额交易和可疑交易报告;(五)经中国人民银行批准,与境外有关机构交换信息、资料;(六)中国人民银行规定的其他职责。 Article 7 The PBOC and the staff members thereof shall keep confidential the information coming into their knowledge during the perfor

20、mance of duties in anti-money laundering in accordance with the law, and shall not, in violation of the provisions, disclose the said information to any third party.The China Anti-money Laundering Monitoring and Analysis Center and the staff members thereof shall keep confidential the identity data

21、of clients, and information on large-sum transactions and suspicious transactions that come into their knowledge during the performance of duties in anti-money laundering in accordance with the law, and may not disclose the said data and information to any entity or individual unless otherwise requi

22、red by law.第七条 中国人民银行及其工作人员应当对依法履行反洗钱职责获得的信息予以保密,不得违反规定对外提供。中国反洗钱监测分析中心及其工作人员应当对依法履行反洗钱职责获得的客户身份资料、大额交易和可疑交易信息予以保密;非依法律规定,不得向任何单位和个人提供。 Article 8 Financial institutions and the branch offices thereof shall establish and improve the anti-money laundering internal control system pursuant to the law, e

23、stablish a special anti-money laundering department or assign its internal department to take charge of anti-money laundering tasks, formulate internal operational rules and control measures for anti-money laundering, and conduct anti-money laundering training for the staff members, so as to enhance

24、 the capabilities of anti-money laundering.Persons in charge of a financial institution or the branch offices thereof shall be responsible for the effective implementation of the anti-money laundering internal control system.第八条 金融机构及其分支机构应当依法建立健全反洗钱内部控制制度,设立反洗钱专门机构或者指定内设机构负责反洗钱工作,制定反洗钱内部操作规程和控制措施,对

25、工作人员进行反洗钱培训,增强反洗钱工作能力。金融机构及其分支机构的负责人应当对反洗钱内部控制制度的有效实施负责。 Article 9 Financial institutions shall establish and implement the client identity identification system in accordance with the provisions.(1) identifying the identity of a client who applies to establish business relationship or conduct one-o

26、ff financial business above the stipulated amount, requiring the client to produce authentic and valid identity certificate or any other identity certification document, verifying and registering the same, and promptly updating the same upon change of the identity information of the client;(2) under

27、standing the purpose and nature of the transaction by a client and effectively identifying the beneficiary of the transaction;(3) re-identifying the identity of a client in the case of abnormal signs in conducting business or any suspicion over the authenticity, validity and integrity of the identit

28、y materials of the client as previously obtained; and(4) ensuring that overseas financial institutions that have agency relationship or similar business relationship therewith effectively identify the identity of clients, and that necessary identity information of clients may be obtained from the sa

29、id overseas financial institutions.Specific measures for implementing the provisions of the preceding Paragraph shall be formulated by the PBOC in conjunction with the CBRC, the CSRC and the CIRC.第九条 金融机构应当按照规定建立和实施客户身份识别制度。(一)对要求建立业务关系或者办理规定金额以上的一次性金融业务的客户身份进行识别,要求客户出示真实有效的身份证件或者其他身份证明文件,进行核对并登记,客户

30、身份信息发生变化时,应当及时予以更新;(二)按照规定了解客户的交易目的和交易性质,有效识别交易的受益人;(三)在办理业务中发现异常迹象或者对先前获得的客户身份资料的真实性、有效性、完整性有疑问的,应当重新识别客户身份;(四)保证与其有代理关系或者类似业务关系的境外金融机构进行有效的客户身份识别,并可从该境外金融机构获得所需的客户身份信息。前款规定的具体实施办法由中国人民银行会同中国银行业监督管理委员会、中国证券监督管理委员会和中国保险监督管理委员会制定。 Article 10 Financial institutions shall, within the stipulated time li

31、mit, properly preserve the identity materials of clients and such relevant materials as data, business vouchers and account books that are able to reflect each transaction.Specific measures for implementing the provisions of the preceding Paragraph shall be formulated by the PBOC in conjunction with

32、 the CBRC, the CSRC and the CIRC.第十条 金融机构应当在规定的期限内,妥善保存客户身份资料和能够反映每笔交易的数据信息、业务凭证、账簿等相关资料。前款规定的具体实施办法由中国人民银行会同中国银行业监督管理委员会、中国证券监督管理委员会、中国保险监督管理委员会制定。 Article 11 Financial institutions shall report to the China Anti-money Laundering Monitoring and Analysis Center large-sum transactions in RMB or in fo

33、reign currencies and suspicious transactions.Specific measures for implementing the provisions of the preceding Paragraph shall be formulated by the PBOC separately.第十一条 金融机构应当按照规定向中国反洗钱监测分析中心报告人民币、外币大额交易和可疑交易。前款规定的具体实施办法由中国人民银行另行制定。 Article 12 The PBOC shall, in conjunction with the CBRC, the CSRC

34、and the CIRC, guide financial industrial self-disciplinary organizations in the formulation of anti-money laundering guidelines for the financial industry. 第十二条 中国人民银行会同中国银行业监督管理委员会、中国证券监督管理委员会、中国保险监督管理委员会指导金融行业自律组织制定本行业的反洗钱工作指引。 Article 13 Where a financial institution finds, during the performance

35、 of the obligations of anti-money laundering, a transaction suspected of involving criminal offenses, the financial institution shall promptly report the case in writing to the local branch of the PBOC and local public security organ. 第十三条 金融机构在履行反洗钱义务过程中,发现涉嫌犯罪的,应当及时以书面形式向中国人民银行当地分支机构和当地公安机关报告。 Art

36、icle 14 Financial institutions and the staff members thereof shall assist and cooperate with judicial organs and administrative departments of law enforcement in cracking down on money laundering activities.Overseas branch offices of financial institutions shall comply with the laws and regulations

37、on anti-money laundering of the countries or regions where they are located, and cooperate with the anti-money laundering institutions of the said countries or regions.第十四条 金融机构及其工作人员应当依法协助、配合司法机关和行政执法机关打击洗钱活动。金融机构的境外分支机构应当遵循驻在国家或者地区反洗钱方面的法律规定,协助配合驻在国家或者地区反洗钱机构的工作。 Article 15 Financial institutions

38、and the staff members thereof shall keep confidential the identity data of clients and transaction information that come into their knowledge during the performance of the obligations of anti-money laundering in accordance with the law, and may not disclose the same to any entity or individual unles

39、s otherwise required by law.Financial institutions and the staff members thereof shall keep confidential such anti-money laundering information as reported suspicious transactions, and cooperation with the PBOC in the investigation of suspicious trading activities, and may not, in violation of the p

40、rovisions, disclose such information to clients or any other parties. 第十五条 金融机构及其工作人员对依法履行反洗钱义务获得的客户身份资料和交易信息应当予以保密;非依法律规定,不得向任何单位和个人提供。金融机构及其工作人员应当对报告可疑交易、配合中国人民银行调查可疑交易活动等有关反洗钱工作信息予以保密,不得违反规定向客户和其他人员提供。 Article 16 Financial institutions and the staff members thereof who submit reports on large-sum

41、 transactions or suspicious transactions in accordance with the law shall be protected by law. 第十六条 金融机构及其工作人员依法提交大额交易和可疑交易报告,受法律保护。 Article 17 Financial institutions shall submit the statistical reports, and information and materials on anti-money laundering, as well as the contents relating to ant

42、i-money laundering in audit reports in accordance with the provisions of the PBOC. 第十七条 金融机构应当按照中国人民银行的规定,报送反洗钱统计报表、信息资料以及稽核审计报告中与反洗钱工作有关的内容。 Article 18 The PBOC and the branch offices thereof may take the following measures to conduct field anti-money laundering inspections in light of the needs fo

43、r the performance of the duties of anti-money laundering:(1) entering the premises of a financial institution for inspection;(2) inquiring the staff members of a financial institution of relevant information and requiring the same to give explanations on the inspection items;(3) inspecting and copyi

44、ng the documents and materials relating to the inspection items of a financial institution, and sealing up the documents and materials that may otherwise be displaced, destroyed, concealed or altered; and(4) inspecting the system through which a financial institution manages its business data via co

45、mputer.Prior to a field inspection, the PBOC or the branch offices thereof shall fill out an examination and approval form for establishment of a field inspection project, which shall indicate the object under inspection, the contents and schedule of the inspection, etc.; the inspection shall not be

46、 carried out until approved by the persons in charge of the PBOC or the branch offices thereof.There shall be at least two (2) inspectors during a field inspection, and the inspectors shall produce their law enforcement certificates and inspection notices; where there are fewer than two (2) inspecto

47、rs, or the inspectors fail to produce their law enforcement certificates and inspection notices, a financial institution shall be entitled to reject the inspection.After the field inspection, the PBOC or the branch offices thereof shall prepare written opinions on field inspection, affix thereon the

48、 official seal, and serve the same on the institution under inspection. The contents of the written opinions on field inspection shall cover the inspection information, inspection comments, and improvement suggestions and measures.第十八条 中国人民银行及其分支机构根据履行反洗钱职责的需要,可以采取下列措施进行反洗钱现场检查:(一)进入金融机构进行检查;(二)询问金融

49、机构的工作人员,要求其对有关检查事项作出说明;(三)查阅、复制金融机构与检查事项有关的文件、资料,并对可能被转移、销毁、隐匿或者篡改的文件资料予以封存;(四)检查金融机构运用电子计算机管理业务数据的系统。中国人民银行或者其分支机构实施现场检查前,应填写现场检查立项审批表,列明检查对象、检查内容、时间安排等内容,经中国人民银行或者其分支机构负责人批准后实施。现场检查时,检查人员不得少于2人,并应出示执法证和检查通知书;检查人员少于2人或者未出示执法证和检查通知书的,金融机构有权拒绝检查。现场检查后,中国人民银行或者其分支机构应当制作现场检查意见书,加盖公章,送达被检查机构。现场检查意见书的内容包括检查情况、检查评