金融机构反洗钱规定 Financial Institutions Anti-money Launder_法律英语

金融机构反洗钱规定 Financial Institutions Anti-money Launder

文章来源：文章作者：发布时间：2007-06-11 01:05 字体： [大中小]　进入论坛

(单词翻译:双击或拖选)

中国人民银行令[2003]第1号

（Promulgated¹ by the People's Bank of China on 3 January 2003， and effective as of 1 March 2003.）

颁布日期：20030103 　实施日期：20030301 　颁布单位：中国人民银行

　　Article 1　In order to prevent criminals from utilizing² financial institutions to engage in money laundering³ and to safeguard financial security， these Provisions are formulated⁵， in accordance with the provisions of the PRC， People's Bank of China Law and other laws and regulations.

　　Article 2　These Provisions shall apply to the anti-money laundering activities of financial institutions.

　　The financial institutions as mentioned in these Provisions shall refer to those institutions which are legally established and conducting financial businesses within the territory of the PRC， including but not limited to policy banks， commercial banks， credit cooperatives， postal⁶ savings⁷ and remittance⁸ institutions， financial companies， trust and investment companies， financial lease companies and foreign-invested financial institutions.

　　Article 3　Money-laundering as mentioned in these Provisions shall refer to the acts of disguising and hiding by various means the source and nature of illicit⁹ income and the subsequent proceeds that have come from drug crimes， organized crimes of a criminal syndicate nature， terrorist crimes， smuggling¹⁰ crimes or other crimes， and thus giving them a legitimate¹¹ appearance.

　　Article 4　The financial institutions and their employees shall faithfully perform the anti-money laundering obligations in accordance with these Provisions， carefully identify dubious¹² transactions， and shall not engage in unfair competition which hampers¹³ the performance of the anti-money laundering obligations.

　　Article 5　The financial institutions and their employees shall maintain the confidentiality¹⁴ of the anti-money laundering activities， and shall not disclose anti-money laundering information to clients and others in violation¹⁵ of regulations.

　　Article 6　The financial institutions shall， pursuant to the law， assist and collaborate¹⁶ with the judicial¹⁷ authorities and administrative¹⁸ law-enforcement authorities in combating money-laundering activities， and shall assist the judicial authorities， customs， tax， and other government authorities to inquire， freeze， detain or transfer the client's deposit in accordance with laws， administrative regulations and other relevant regulations.

　　The overseas branch offices of Chinese financial institutions shall abide¹⁹ by the anti-money laundering-related laws of the resident country or region， and shall assist the anti-money laundering authorities of the said country or region in accordance with the law.

　　Article 7　The PBOC shall be the supervisory and administrative authority of anti-money laundering activities of the financial institutions.

　　The PBOC shall set up a leading group for the anti-money laundering activities of the financial institutions.　The group shall perform the following duties：

　　1. Conduct centralized supervision²⁰， administration and coordination²¹ of anti-money laundering activities of the financial institutions；

　　2. Research into and formulate⁴ anti-money laundering strategies， plans and policies， draft anti-money laundering activities rules， and draft rules for reporting large-sum and suspicious Renminbi financial transactions；

　　3. Set up payment transaction monitoring systems to monitor payment transactions；

　　4. Research major problematic issues relating to anti-money laundering activities of financial institutions， and propose solutions and counter-measures；

　　5. Take part in international anti-money laundering cooperative efforts， and provide guidance to financial institutions in participating in foreign cooperative anti-money laundering activities；

　　6. Other anti-money laundering supervision and administration duties to be performed by the PBOC.

　　The State Administration of Foreign Exchange （the “SAFE”） shall be responsible for the supervision and administration of the reporting of large-sum and suspicious foreign exchange financial transactions， and shall formulate rules for reporting large-sum and suspicious foreign exchange financial transactions.

　　Article 8　The financial institutions shall set up a sound anti-money laundering internal control system in accordance with the regulations of the PBOC， and shall submit the same to the PBOC for record.

　　Article 9　The financial institutions shall set up a special anti-money laundering activities unit， or assign an internal unit to be responsible for anti-money laundering activities， and shall allocate²² necessary management and technical personnel.

　　The financial institutions shall， in light of relevant circumstances， set up a special unit or assign a special individual in their branch offices to be responsible for anti-money laundering activities， and shall supervise and check the branch offices regarding their performance of these Provisions and the anti-money laundering internal control systems in accordance with the principle of multi-level management.

　　Newly established financial institutions or newly established branch offices of the financial institutions shall formulate effective anti-money laundering measures.

　　Article 10　The financial institution shall set up a client identity registration²³ system， and shall review the identity of clients who handle deposits and settlement at the same institution.

　　No financial institution is allowed to open anonymous²⁴ or false-name accounts for the clients， or to provide services such as deposits and settlement to unidentified clients.

　　Article 11　Where a financial institution opens deposit accounts or closes accounts for individual clients， the individual clients shall be required to produce their identity documents to be subject to a verification check， and the names and numbers that appear thereupon shall be entered into the records. Where an individual client acts as an agent for others to open individual deposit accounts at the financial institution， the financial institution shall require such individual to produce the identity documents of both the principal and the agent to be subject to a verification check， and the names and numbers appearing thereupon shall be entered into records.

　　Where an individual fails to produce personal identity documents or seeks to use a name which differs from that which appears on the personal identity documents offered， the financial institution shall not open any deposit account for such individual.

　　Article 12　Where a financial institution opens accounts， handles deposits or account-closing business for unit clients， valid²⁵ certification documents and information shall be provided as required by relevant rules of the PBOC， and such documents and information shall be subject to a verification check and recordal.

　　Where unit clients fail to provide valid certification documents and information of the unit pursuant to relevant rules， the financial institutions shall not handle deposit or account-closing business for the same.

　　Article 13　In the event that during the course of providing financial services to its clients a financial institution discovers a large-sum transaction by such clients， it shall report such discovery to the PBOC or the SAFE pursuant to relevant rules.

　　The standards for reporting the amount of large-sum capital shall be based on the relevant rules of the PBOC and the SAFE regarding capital transaction reporting.

　　Article 14　In the event that during the course of providing financial services to its clients a financial institution discovers a suspicious transaction by such clients， it shall report such discovery to the PBOC or the SAFE.

　　The standards for reporting suspicious transactions shall be based on the relevant rules of the PBOC and the SAFE regarding capital transaction reporting.

　　Article 15　The branch offices of the financial institutions shall submit such reports on large-sum and suspicious capital transactions to the local branch of the PBOC or the SAFE pursuant to the relevant rules of the PBOC and the SAFE on the procedures for capital transaction reporting. Meanwhile， such report shall also be submitted to the higher level units of such authorities.

　　Article 16　Financial institutions shall conduct examinations and analyses on large-sum and suspicious capital transactions； where there is suspicion of criminal activity， such suspicion shall be reported to the local public security authority.

　　Article 17　Financial institutions shall preserve the clients' account information and transaction records pursuant to the time limit set forth²⁶ below：

　　1. With respect to account information， it shall be preserved for at least five （5） years as of the date of the cancellation²⁷ of the account；

　　2. With respect to the transaction records， they shall be preserved for at least five （5） years as of the date of the book entries of such transactions.

　　The aforementioned transaction records shall include information about the account holder²⁸， the amount of money deposited into or drawn²⁹ from such account， the time of such transactions， information on the origin of capital and its destination， and the methods used for drawing such capital.

　　Measures on the preservation³⁰ of account information and transaction records shall be implemented³² pursuant to the rules of the State relating to accounting³³ files management.

　　Article 18　Upon analyzing³⁴ and studying the large-sum and suspicious transaction report submitted by the financial institutions， where the PBOC or the SAFE suspects that such transaction constitutes or is connected to a criminal activity， information （including such report） shall be transferred to judicial organs pursuant to the procedures set forth in the Transfer of Suspected Crime by Administrative Law Enforcement Agency Regulations. Neither the PBOC nor the SAFE shall disclose any content of such report to the clients of the financial institutions or other personnel.

　　Article 19　The PBOC shall assume responsibility for instructing and organizing anti-money laundering activities training for financial institutions.

　　Financial institutions shall carry out anti-money laundering activities campaigns targeting its clients， and implement³¹ anti-money laundering activities training for its staff so as to enable them to have a good understanding of the provisions of the relevant laws， administrative regulations and rules on anti-money laundering， and to improve their capability³⁵ in handling anti-money laundering activities.

　　Article 20　Where a financial institution is in breach³⁶ of these Provisions and commits any of the following violations³⁷， the PBOC shall give such institution a warning and order it to rectify³⁸ its behaviors within a given period of time； where no rectification³⁹ is made within the given period of time， such financial institution may be subject to a penalty fine in the amount of less than Rmb 30，000； where the circumstances are serious， the qualifications for senior management positions held by the staff who are directly responsible shall be cancelled：

　　1. Failure to establish an anti-money laundering internal control system pursuant to relevant rules；

　　2. Failure to establish a specific office or designate a specific office to be responsible for anti-money laundering activities pursuant to relevant rules；

　　3. Failure to require unit clients to provide valid certification documents and information to be subject to a verification check and recordal；

　　4. Failure to preserve the clients' account information and transaction records pursuant to relevant rules；

　　5. Disclosing information on anti-money laundering activities to the clients and other personnel in breach of relevant rules；

　　6. Failure to report large-sum or suspicious transactions pursuant to relevant rules.

　　Article 21　Where financial institutions engaging in foreign exchange business fail to report， in a timely manner， abnormal situations related to large-sum foreign exchange purchases， foreign exchange purchases at high frequency， and the depositing or drawing of large-sum foreign exchange in cash， punishment measures shall be imposed thereupon pursuant to the provisions of Article 25 of the Penalties for Illegal Financial Acts Procedures.

　　Article 22　Where a financial institution， during the process of conducting its business， is in breach of relevant laws or administrative regulations or engages in unfair competition which damages the performance of its anti-money laundering obligations， punishment measures shall be imposed on it pursuant to relevant provisions of the Penalties for Illegal Financial Acts Procedures. Disciplinary measures shall be imposed on persons of such financial institution directly responsible for such violations； where the circumstances are serious， the qualifications for senior management positions held by the staff who are directly responsible shall be cancelled.

　　Article 23　Where a financial institution opens an account for individual clients who refuse to produce their identity documents or who refuse to use the names that appear on the personal identity documents， a warning shall be given to such a financial institution by the PBOC， and such institution may be subject to a penalty fine in an amount ranging from Rmb 1000 to Rmb 5000. Where the circumstances are serious， the qualifications for senior management positions held by the staff of such a financial institution who are directly responsible shall be cancelled.

　　Article 24　The China Bank Association， China Financial Companies Association and other disciplinary organizations in the financial industry may formulate their own industry guidelines for anti-money laundering activities pursuant to these Provisions.

　　Article 25　These Provisions shall be implemented as of 1 March 2003.

点击

收听单词发音

1 promulgated
v.宣扬（某事物）( promulgate的过去式和过去分词 )；传播；公布；颁布（法令、新法律等）
参考例句：
Hence China has promulgated more than 30 relevant laws, statutes and regulations. 中国为此颁布的法律、法规和规章多达３０余项。来自汉英非文学 - 白皮书 The shipping industry promulgated a voluntary code. 航运业对自律守则进行了宣传。来自辞典例句

2 utilizing
v.利用，使用( utilize的现在分词 )
参考例句：
Utilizing an assembler to produce a machine-language program. 用汇编程序产生机器语言的过程。来自辞典例句 The study and use of devices utilizing properties of materials near absolute zero in temperature. 对材料在接近绝对零度时的特性进行研究和利用的学科。来自辞典例句

3 laundering
n.洗涤（衣等），洗烫（衣等）；洗（钱）v.洗（衣服等），洗烫（衣服等）( launder的现在分词 )；洗（黑钱）（把非法收入改头换面，变为貌似合法的收入）
参考例句：
Separate the white clothes from the dark clothes before laundering. 洗衣前应当把浅色衣服和深色衣服分开。来自《简明英汉词典》 He was charged with laundering money. 他被指控洗钱。来自《简明英汉词典》

4 formulate
v.用公式表示；规划；设计；系统地阐述
参考例句：
He took care to formulate his reply very clearly.他字斟句酌，清楚地做了回答。 I was impressed by the way he could formulate his ideas.他陈述观点的方式让我印象深刻。

5 formulated
v.构想出( formulate的过去式和过去分词 )；规划；确切地阐述；用公式表示
参考例句：
He claims that the writer never consciously formulated his own theoretical position. 他声称该作家从未有意识地阐明他自己的理论见解。来自《简明英汉词典》 This idea can be formulated in two different ways. 这个意思可以有两种说法。来自《现代汉英综合大词典》

6 postal
adj.邮政的，邮局的
参考例句：
A postal network now covers the whole country.邮路遍及全国。 Remember to use postal code.勿忘使用邮政编码。

7 savings
n.存款，储蓄
参考例句：
I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。 By this time he had used up all his savings.到这时，他的存款已全部用完。

8 remittance
n.汇款，寄款，汇兑
参考例句：
Your last month's salary will be paid by remittance.最后一个月的薪水将通过汇寄的方式付给你。 A prompt remittance would be appreciated.速寄汇款不胜感激。

9 illicit
adj.非法的，禁止的，不正当的
参考例句：
He had an illicit association with Jane.他和简曾有过不正当关系。 Seizures of illicit drugs have increased by 30% this year.今年违禁药品的扣押增长了30%。

10 smuggling
n.走私
参考例句：
Some claimed that the docker's union fronted for the smuggling ring.某些人声称码头工人工会是走私集团的掩护所。 The evidence pointed to the existence of an international smuggling network.证据表明很可能有一个国际走私网络存在。

11 legitimate
adj.合法的，合理的，合乎逻辑的；v.使合法
参考例句：
Sickness is a legitimate reason for asking for leave.生病是请假的一个正当的理由。 That's a perfectly legitimate fear.怀有这种恐惧完全在情理之中。

12 dubious
adj.怀疑的，无把握的；有问题的，靠不住的
参考例句：
What he said yesterday was dubious.他昨天说的话很含糊。 He uses some dubious shifts to get money.他用一些可疑的手段去赚钱。

13 hampers
妨碍，束缚，限制( hamper的第三人称单数 )
参考例句：
Prejudice sometimes hampers a person from doing the right thing. 有时候，偏见会妨碍人正确行事。 This behavior is the opposite of modeless feedback, and it hampers flow. 这个行为有悖于非模态的反馈，它阻碍了流。来自About Face 3交互设计精髓

14 confidentiality
n.秘而不宣，保密
参考例句：
They signed a confidentiality agreement. 他们签署了一份保守机密的协议。 Cryptography is the foundation of supporting authentication, integrality and confidentiality. 而密码学是支持认证、完整性和机密性机制的基础。

15 violation
n.违反(行为)，违背(行为)，侵犯
参考例句：
He roared that was a violation of the rules.他大声说，那是违反规则的。 He was fined 200 dollars for violation of traffic regulation.他因违反交通规则被罚款200美元。

16 collaborate
vi.协作，合作；协调
参考例句：
The work gets done more quickly when we collaborate.我们一旦合作，工作做起来就更快了。 I would ask you to collaborate with us in this work.我们愿意请你们在这项工作中和我们合作。

17 judicial
adj.司法的，法庭的，审判的，明断的，公正的
参考例句：
He is a man with a judicial mind.他是个公正的人。 Tom takes judicial proceedings against his father.汤姆对他的父亲正式提出诉讼。

18 administrative
adj.行政的，管理的
参考例句：
The administrative burden must be lifted from local government.必须解除地方政府的行政负担。 He regarded all these administrative details as beneath his notice.他认为行政管理上的这些琐事都不值一顾。

19 abide
vi.遵守；坚持；vt.忍受
参考例句：
You must abide by the results of your mistakes.你必须承担你的错误所造成的后果。 If you join the club,you have to abide by its rules.如果你参加俱乐部，你就得遵守它的规章。

20 supervision
n.监督，管理
参考例句：
The work was done under my supervision.这项工作是在我的监督之下完成的。 The old man's will was executed under the personal supervision of the lawyer.老人的遗嘱是在律师的亲自监督下执行的。

21 coordination
n.协调，协作
参考例句：
Gymnastics is a sport that requires a considerable level of coordination.体操是一项需要高协调性的运动。 The perfect coordination of the dancers and singers added a rhythmic charm to the performance.舞蹈演员和歌手们配合得很好，使演出更具魅力。

22 allocate
vt.分配，分派；把…拨给；把…划归
参考例句：
You must allocate the money carefully.你们必须谨慎地分配钱。 They will allocate fund for housing.他们将拨出经费建房。

23 registration
n.登记，注册，挂号
参考例句：
Marriage without registration is not recognized by law.法律不承认未登记的婚姻。 What's your registration number?你挂的是几号？

24 anonymous
adj.无名的；匿名的；无特色的
参考例句：
Sending anonymous letters is a cowardly act.寄匿名信是懦夫的行为。 The author wishes to remain anonymous.作者希望姓名不公开。

25 valid
adj.有确实根据的；有效的；正当的，合法的
参考例句：
His claim to own the house is valid.他主张对此屋的所有权有效。 Do you have valid reasons for your absence?你的缺席有正当理由吗？

26 forth
adv.向前；向外，往外
参考例句：
The wind moved the trees gently back and forth.风吹得树轻轻地来回摇晃。 He gave forth a series of works in rapid succession.他很快连续发表了一系列的作品。

27 cancellation
n.删除，取消
参考例句：
Heavy seas can cause cancellation of ferry services.海上风浪太大，可能须要取消渡轮服务。 Her cancellation of her trip to Paris upset our plan.她取消了巴黎之行打乱了我们的计划。

28 holder
n.持有者，占有者；(台，架等)支持物
参考例句：
The holder of the office of chairman is reponsible for arranging meetings.担任主席职位的人负责安排会议。 That runner is the holder of the world record for the hundred-yard dash.那位运动员是一百码赛跑世界纪录的保持者。

29 drawn
v.拖，拉，拔出；adj.憔悴的，紧张的
参考例句：
All the characters in the story are drawn from life.故事中的所有人物都取材于生活。 Her gaze was drawn irresistibly to the scene outside.她的目光禁不住被外面的风景所吸引。

30 preservation
n.保护，维护，保存，保留，保持
参考例句：
The police are responsible for the preservation of law and order.警察负责维持法律与秩序。 The picture is in an excellent state of preservation.这幅画保存得极为完好。

31 implement
n.(pl.)工具，器具；vt.实行，实施，执行
参考例句：
Don't undertake a project unless you can implement it.不要承担一项计划，除非你能完成这项计划。 The best implement for digging a garden is a spade.在花园里挖土的最好工具是铁锹。

32 implemented
v.实现( implement的过去式和过去分词 )；执行；贯彻；使生效
参考例句：
This agreement, if not implemented, is a mere scrap of paper. 这个协定如不执行只不过是一纸空文。来自《现代汉英综合大词典》 The economy is in danger of collapse unless far-reaching reforms are implemented. 如果不实施影响深远的改革，经济就面临崩溃的危险。来自辞典例句

33 accounting
n.会计，会计学，借贷对照表
参考例句：
A job fell vacant in the accounting department.财会部出现了一个空缺。 There's an accounting error in this entry.这笔账目里有差错。

34 analyzing
v.分析；分析( analyze的现在分词 )；分解；解释；对…进行心理分析n.分析
参考例句：
Analyzing the date of some socialist countries presents even greater problem s. 分析某些社会主义国家的统计数据，暴露出的问题甚至更大。来自辞典例句 He undoubtedly was not far off the mark in analyzing its predictions. 当然，他对其预测所作的分析倒也八九不离十。来自辞典例句

35 capability
n.能力；才能；(pl)可发展的能力或特性等
参考例句：
She has the capability to become a very fine actress.她有潜力成为杰出演员。 Organizing a whole department is beyond his capability.组织整个部门是他能力以外的事。

36 breach
n.违反，不履行；破裂；vt.冲破，攻破
参考例句：
We won't have any breach of discipline.我们不允许任何破坏纪律的现象。 He was sued for breach of contract.他因不履行合同而被起诉。

37 violations
违反( violation的名词复数 )；冒犯；违反（行为、事例）；强奸
参考例句：
This is one of the commonest traffic violations. 这是常见的违反交通规则之例。 These violations of the code must cease forthwith. 这些违犯法规的行为必须立即停止。

38 rectify
v.订正，矫正，改正
参考例句：
The matter will rectify itself in a few days.那件事过几天就会变好。 You can rectify this fault if you insert a slash.插人一条斜线便可以纠正此错误。

39 rectification
n. 改正, 改订, 矫正
参考例句：
The process of producing a shift of the average value is called rectification. 产生平均值移动的过程叫做整流。 This effect, in analogy to its radiofrequency counterpart, is known as optical rectification. 同它的射频对应物相仿，这种现象称为光学整流。

上一篇：最高人民法院关于审理与企业改制相关的民事纠纷案件若干问题的规下一篇：金融机构大额和可疑外汇资金交易报告管理办法