Anti-money Laundering Law of the People's Republic of China
中華人民共和國(guó)反洗錢法
(Adopted at the 24th session of the Standing Committee of the 10th National People's Congress)
（2006年10月31日第十屆全國(guó)人民代表大會(huì)常務(wù)委員會(huì)第二十四次會(huì)議通過(guò)）
Table of Contents
目錄
Chapter I General Provisions
第一章 總則
Chapter II Supervision and Administration on Anti-money Laundering
第二章 反洗錢監(jiān)督管理
Chapter III Obligations of Financial Institutions for Anti-money Laundering
第三章 金融機(jī)構(gòu)反洗錢義務(wù)
Chapter IV Investigation on Anti-money Laundering
第四章 反洗錢調(diào)查
Chapter V International Cooperation on Anti-money Laundering
第五章 反洗錢國(guó)際合作
Chapter VI Legal Liabilities
第六章 法律責(zé)任
Chapter VII Supplementary Provisions
第七章 附則
Chapter I General Provisions
第一章 總則
Article 1 For the purpose of preventing money-laundering, maintaining the financial order and restraining the crime of money-laundering and other related crimes, the present Law is formulated.
第一條 為了預(yù)防洗錢活動(dòng)，維護(hù)金融秩序，遏制洗錢犯罪及相關(guān)犯罪，制定本法。
Article 2 The term "anti-money laundering" as mentioned in the present Law refers to the act of adopting related measures in accordance with the provisions of the present Law to prevent any money laundering activity so as to conceal or disguise, by all means, the sources and nature of criminal proceeds generated from any drug crime, organized crime in the nature of gangland, crime of terrorism, crime of smuggling, crime of corruption or bribery, crime of disrupting the financial management order, crime of financial fraud and etc..
第二條 本法所稱反洗錢，是指為了預(yù)防通過(guò)各種方式掩飾、隱瞞毒品犯罪、黑社會(huì)性質(zhì)的組織犯罪、恐怖活動(dòng)犯罪、走私犯罪、貪污賄賂犯罪、破壞金融管理秩序犯罪、金融詐騙犯罪等犯罪所得及其收益的來(lái)源和性質(zhì)的洗錢活動(dòng)，依照本法規(guī)定采取相關(guān)措施的行為。
Article 3 Financial institutions which are established within the territory of the People's Republic of China or special non-financial institutions that shall fulfill the obligations of anti-money laundering, shall adopt related prevention and supervision measures under law, establish and improve the clients' identity identification system, the preservation system of clients' identity materials and transactional records, the reporting system of large-sum transactions and doubtful transactions, and fulfill their respective anti-money laundering obligations.
第三條 在中華人民共和國(guó)境內(nèi)設(shè)立的金融機(jī)構(gòu)和按照規(guī)定應(yīng)當(dāng)履行反洗錢義務(wù)的特定非金融機(jī)構(gòu)，應(yīng)當(dāng)依法采取預(yù)防、監(jiān)控措施，建立健全客戶身份識(shí)別制度、客戶身份資料和交易記錄保存制度、大額交易和可疑交易報(bào)告制度，履行反洗錢義務(wù)。
Article 4 The competent department for anti-money laundering of the State Council shall be responsible for anti-money laundering supervision and administration throughout the country. The related departments and organs under the State Council shall, within their respective scope of functions and duties, fulfill their obligations of anti-money laundering supervision and administration.
第四條 國(guó)務(wù)院反洗錢行政主管部門負(fù)責(zé)全國(guó)的反洗錢監(jiān)督管理工作。國(guó)務(wù)院有關(guān)部門、機(jī)構(gòu)在各自的職責(zé)范圍內(nèi)履行反洗錢監(jiān)督管理職責(zé)。
The competent department of anti-money laundering of the State Council, the related departments and organs under the State Council and the judicial organs shall cooperate with each other in the anti-money laundering work.
國(guó)務(wù)院反洗錢行政主管部門、國(guó)務(wù)院有關(guān)部門、機(jī)構(gòu)和司法機(jī)關(guān)在反洗錢工作中應(yīng)當(dāng)相互配合。
Article 5 The identity material or transactional information of any client, which is acquired during the performance of the duties and functions of anti-money laundering under law, shall be kept confidential. None of the aforesaid information may be provided to any entity or individual unless it is admitted by related provisions of law.
第五條 對(duì)依法履行反洗錢職責(zé)或者義務(wù)獲得的客戶身份資料和交易信息，應(yīng)當(dāng)予以保密；非依法律規(guī)定，不得向任何單位和個(gè)人提供。
The identity material and transactional information of any client, which is acquired by the competent department of anti-money laundering or any other department or organ undertaking the obligation of anti-money laundering supervision and administration under law when fulfilling their anti-money laundering functions and duties, shall only be used in the administrative investigation for anti-money laundering.
反洗錢行政主管部門和其他依法負(fù)有反洗錢監(jiān)督管理職責(zé)的部門、機(jī)構(gòu)履行反洗錢職責(zé)獲得的客戶身份資料和交易信息，只能用于反洗錢行政調(diào)查。
The identity material and transactional information of any client as acquired by the judicial organ according to the present Law shall only be used in the criminal litigation on anti-money laundering.
司法機(jī)關(guān)依照本法獲得的客戶身份資料和交易信息，只能用于反洗錢刑事訴訟。
Article 6 The submission of a report on large-sum transaction or doubtful transaction under law by any organ or functionary bearing the anti-money laundering obligation, shall be protected by law.
第六條 履行反洗錢義務(wù)的機(jī)構(gòu)及其工作人員依法提交大額交易和可疑交易報(bào)告，受法律保護(hù)。
Article 7 In case any entity or individual finds any money laundering activity, it/he has the right to tip it off to the competent department of anti-money laundering or to the public security organ. The organ accepting the tip-off shall keep confidential the tip-off maker as well as the tipped–off contents.
第七條 任何單位和個(gè)人發(fā)現(xiàn)洗錢活動(dòng)，有權(quán)向反洗錢行政主管部門或者公安機(jī)關(guān)舉報(bào)。接受舉報(bào)的機(jī)關(guān)應(yīng)當(dāng)對(duì)舉報(bào)人和舉報(bào)內(nèi)容保密。
Chapter II Supervision and Administration on Anti-money Laundering
第二章 反洗錢監(jiān)督管理
Article 8 The competent department for anti-money laundering of the State Council shall organize and coordinate the anti-money laundering work throughout the country, take charge of the supervision over anti-money laundering funds, formulate the related anti-money laundering regulations of financial institutions by itself or in collaboration with the related financial regulatory bodies under the State Council, undertake supervision and examination on the performance of anti-money laundering obligations by financial institutions, investigate into doubtful transactions within the power limit of its functions and duties, and fulfill other duties and functions of anti-money laundering prescribed by law or by the State Council.
第八條 國(guó)務(wù)院反洗錢行政主管部門組織、協(xié)調(diào)全國(guó)的反洗錢工作，負(fù)責(zé)反洗錢的資金監(jiān)測(cè)，制定或者會(huì)同國(guó)務(wù)院有關(guān)金融監(jiān)督管理機(jī)構(gòu)制定金融機(jī)構(gòu)反洗錢規(guī)章，監(jiān)督、檢查金融機(jī)構(gòu)履行反洗錢義務(wù)的情況，在職責(zé)范圍內(nèi)調(diào)查可疑交易活動(dòng)，履行法律和國(guó)務(wù)院規(guī)定的有關(guān)反洗錢的其他職責(zé)。
The organs dispatched by the competent department for anti-money laundering of the State Council shall, within their respective power limits as authorized by the competent department for anti-money laundering of the State Council, undertake supervision and examination on the performance of anti-money laundering obligations by financial institutions.
國(guó)務(wù)院反洗錢行政主管部門的派出機(jī)構(gòu)在國(guó)務(wù)院反洗錢行政主管部門的授權(quán)范圍內(nèi)，對(duì)金融機(jī)構(gòu)履行反洗錢義務(wù)的情況進(jìn)行監(jiān)督、檢查。
Article 9 The related financial supervision and administration institutions under the State Council shall take part in the formulation of anti-money laundering regulations for financial institutions under their respective supervision and administration, require them to establish and improve an internal control system of anti-money laundering and fulfill other duties and functions of anti-money laundering as prescribed by law or by the State Council.
第九條 國(guó)務(wù)院有關(guān)金融監(jiān)督管理機(jī)構(gòu)參與制定所監(jiān)督管理的金融機(jī)構(gòu)反洗錢規(guī)章，對(duì)所監(jiān)督管理的金融機(jī)構(gòu)提出按照規(guī)定建立健全反洗錢內(nèi)部控制制度的要求，履行法律和國(guó)務(wù)院規(guī)定的有關(guān)反洗錢的其他職責(zé)。
Article 10 The competent department for anti-money laundering of the State Council shall establish an Anti-money Laundering Information Center to be responsible for accepting and analyzing the reports on large-sum transactions and doubtful transactions, report the analysis results to the competent department for anti-money laundering of the State Council in light of the related provisions, and fulfill other functions and duties as prescribed by the competent department for anti-money laundering of the State Council.
第十條 國(guó)務(wù)院反洗錢行政主管部門設(shè)立反洗錢信息中心，負(fù)責(zé)大額交易和可疑交易報(bào)告的接收、分析，并按照規(guī)定向國(guó)務(wù)院反洗錢行政主管部門報(bào)告分析結(jié)果，履行國(guó)務(wù)院反洗錢行政主管部門規(guī)定的其他職責(zé)。
Article 11 The competent department for anti-money laundering of the State Council, in order to fulfill its duties and functions of supervising anti-money laundering funds, may collect necessary information from related departments and organs of the State Council, which shall provide assistance.
第十一條 國(guó)務(wù)院反洗錢行政主管部門為履行反洗錢資金監(jiān)測(cè)職責(zé)，可以從國(guó)務(wù)院有關(guān)部門、機(jī)構(gòu)獲取所必需的信息，國(guó)務(wù)院有關(guān)部門、機(jī)構(gòu)應(yīng)當(dāng)提供。
The competent department for anti-money laundering of the State Council shall circulate the anti-money laundering work to related departments and organs of the State Council on a periodical basis.
國(guó)務(wù)院反洗錢行政主管部門應(yīng)當(dāng)向國(guó)務(wù)院有關(guān)部門、機(jī)構(gòu)定期通報(bào)反洗錢工作情況。
Article 12 If the customs finds that any cash or secret securities carried by an individual exceed the prescribed sum, it shall report the case to the competent department for anti-money laundering in a timely manner.
第十二條 海關(guān)發(fā)現(xiàn)個(gè)人出入境攜帶的現(xiàn)金、無(wú)記名有價(jià)證券超過(guò)規(guī)定金額的，應(yīng)當(dāng)及時(shí)向反洗錢行政主管部門通報(bào)。
The standards of amount that shall be circulated in the preceding paragraph shall be prescribed by the competent department of anti-money laundering of the State Council in conjunction with the General Administration of Customs.
前款應(yīng)當(dāng)通報(bào)的金額標(biāo)準(zhǔn)由國(guó)務(wù)院反洗錢行政主管部門會(huì)同海關(guān)總署規(guī)定。
Article 13 If the competent department for anti-money laundering or any other department or organ undertaking the obligation of anti-money laundering supervision and administration under law finds any transaction involved in the crime of money laundering, it shall report it to the investigation organ in time.
第十三條 反洗錢行政主管部門和其他依法負(fù)有反洗錢監(jiān)督管理職責(zé)的部門、機(jī)構(gòu)發(fā)現(xiàn)涉嫌洗錢犯罪的交易活動(dòng)，應(yīng)當(dāng)及時(shí)向偵查機(jī)關(guān)報(bào)告。
Article 14 If the related financial supervision and administration institution under the State Council conducts examination and approval of the establishment of a new financial institution or establishment of any branch or sub-branch of a financial institution, it shall examine the internal control system of anti-money laundering of the new institution and may not approve any application for establishment that fails to accord with the provisions of the present Law.
第十四條 國(guó)務(wù)院有關(guān)金融監(jiān)督管理機(jī)構(gòu)審批新設(shè)金融機(jī)構(gòu)或者金融機(jī)構(gòu)增設(shè)分支機(jī)構(gòu)時(shí)，應(yīng)當(dāng)審查新機(jī)構(gòu)反洗錢內(nèi)部控制制度的方案；對(duì)于不符合本法規(guī)定的設(shè)立申請(qǐng)，不予批準(zhǔn)。
Chapter III Obligations of Financial Institutions for Anti-money Laundering
第三章 金融機(jī)構(gòu)反洗錢義務(wù)
Article 15 Financial institutions shall, in accordance with the provisions of the present Law, establish and improve their internal control systems for anti-money laundering, and the principal thereof shall be responsible for the effective implementation of their internal control systems for anti-money laundering.
第十五條 金融機(jī)構(gòu)應(yīng)當(dāng)依照本法規(guī)定建立健全反洗錢內(nèi)部控制制度，金融機(jī)構(gòu)的負(fù)責(zé)人應(yīng)當(dāng)對(duì)反洗錢內(nèi)部控制制度的有效實(shí)施負(fù)責(zé)。
Financial institutions shall establish special institutions of anti-money laundering or designate internal departments to be responsible for anti-money laundering.
金融機(jī)構(gòu)應(yīng)當(dāng)設(shè)立反洗錢專門機(jī)構(gòu)或者指定內(nèi)設(shè)機(jī)構(gòu)負(fù)責(zé)反洗錢工作。
Article 16 Financial institutions shall establish a clients' identity identification system in accordance with the related provisions.
第十六條 金融機(jī)構(gòu)應(yīng)當(dāng)按照規(guī)定建立客戶身份識(shí)別制度。
If any financial institution establishes business relationship with a client or provides one-off financial services such as cash remittance, cash conversion and bill payment beyond the prescribed amount, it shall require the client to show its/his authentic and effective identity certificate or any other identity certification document, and make related verification and registration.
金融機(jī)構(gòu)在與客戶建立業(yè)務(wù)關(guān)系或者為客戶提供規(guī)定金額以上的現(xiàn)金匯款、現(xiàn)鈔兌換、票據(jù)兌付等一次性金融服務(wù)時(shí)，應(yīng)當(dāng)要求客戶出示真實(shí)有效的身份證件或者其他身份證明文件，進(jìn)行核對(duì)并登記。
If a client entrusts an agent to deal with the transaction on its/his behalf, the related financial institution shall make verification and registration of the identity certificates or other identity certification documents of both the agent and the principal at the same time.
客戶由他人代理辦理業(yè)務(wù)的，金融機(jī)構(gòu)應(yīng)當(dāng)同時(shí)對(duì)代理人和被代理人的身份證件或者其他身份證明文件進(jìn)行核對(duì)并登記。
If a financial institution establishes business relationship of personal insurance or trust with his client, in case the contractual beneficiary is not the client himself, the financial institution shall make verification and registration of the identity certificate or any other identity certification document of the beneficiary as well.
與客戶建立人身保險(xiǎn)、信托等業(yè)務(wù)關(guān)系，合同的受益人不是客戶本人的，金融機(jī)構(gòu)還應(yīng)當(dāng)對(duì)受益人的身份證件或者其他身份證明文件進(jìn)行核對(duì)并登記。
Financial institutions may not provide any service to or make any trade with any client who fails to clarify his identity or establish any anonymous or pseudonymous account.
金融機(jī)構(gòu)不得為身份不明的客戶提供服務(wù)或者與其進(jìn)行交易，不得為客戶開(kāi)立匿名賬戶或者假名賬戶。
If a financial institution has any doubt about the authenticity, effectiveness or integrality of a client's identity material, it shall check the client's identity again.
金融機(jī)構(gòu)對(duì)先前獲得的客戶身份資料的真實(shí)性、有效性或者完整性有疑問(wèn)的，應(yīng)當(dāng)重新識(shí)別客戶身份。
In case any entity or individual establishes business relationship with any financial institution or requires it to provide any one-off financial service, it/he shall provide its/his authentic and effective identity certificate or any other identity certification document.
任何單位和個(gè)人在與金融機(jī)構(gòu)建立業(yè)務(wù)關(guān)系或者要求金融機(jī)構(gòu)為其提供一次性金融服務(wù)時(shí)，都應(yīng)當(dāng)提供真實(shí)有效的身份證件或者其他身份證明文件。
Article 17 If a financial institution certifies the identity of its client through a third party, it shall be assured that the third party has adopted measures for clients' identity clarification as prescribed by the present Law. In case any third party fails to adopt the measures for the clients' identity clarification as prescribed by the present Law, the financial institution shall bear the liabilities for its failure to fulfill the obligation of clarifying the client's identity.
第十七條 金融機(jī)構(gòu)通過(guò)第三方識(shí)別客戶身份的，應(yīng)當(dāng)確保第三方已經(jīng)采取符合本法要求的客戶身份識(shí)別措施；第三方未采取符合本法要求的客戶身份識(shí)別措施的，由該金融機(jī)構(gòu)承擔(dān)未履行客戶身份識(shí)別義務(wù)的責(zé)任。
Article 18 Financial institutions when conducting the clarification of its clients' identities, may, if it so requires, verify the related identity information with departments such as the public security organ and the competent department for industry and commerce.
第十八條 金融機(jī)構(gòu)進(jìn)行客戶身份識(shí)別，認(rèn)為必要時(shí)，可以向公安、工商行政管理等部門核實(shí)客戶的有關(guān)身份信息。
Article 19 Financial institutions shall establish a preservation system for its clients' identity materials and transaction records.
第十九條 金融機(jī)構(gòu)應(yīng)當(dāng)按照規(guī)定建立客戶身份資料和交易記錄保存制度。
During the existence of business relationship, any client's identity material that changes shall be updated in time.
在業(yè)務(wù)關(guān)系存續(xù)期間，客戶身份資料發(fā)生變更的，應(yīng)當(dāng)及時(shí)更新客戶身份資料。
After the conclusion of any business relationship or transaction, the related clients' identity materials or clients' transaction information shall be kept for at least 5 years.
客戶身份資料在業(yè)務(wù)關(guān)系結(jié)束后、客戶交易信息在交易結(jié)束后，應(yīng)當(dāng)至少保存五年。
If a financial institution goes bankrupt or is dissolved, it shall transfer the related clients' identity materials and transaction records to the institution designated by the related department of the State Council.
金融機(jī)構(gòu)破產(chǎn)和解散時(shí)，應(yīng)當(dāng)將客戶身份資料和客戶交易信息移交國(guó)務(wù)院有關(guān)部門指定的機(jī)構(gòu)。
Article 20 Financial institutions shall, in light of the related provisions, carry out the reporting system of large-sum transactions and doubtful transactions.
第二十條 金融機(jī)構(gòu)應(yīng)當(dāng)按照規(guī)定執(zhí)行大額交易和可疑交易報(bào)告制度。
If any single transaction handled by a financial institution or the accumulated transaction within a prescribed time limit goes beyond the prescribed sum, or if any doubtful transaction is found, it shall be timely reported to the Anti-money Laundering Information Center.
金融機(jī)構(gòu)辦理的單筆交易或者在規(guī)定期限內(nèi)的累計(jì)交易超過(guò)規(guī)定金額或者發(fā)現(xiàn)可疑交易的，應(yīng)當(dāng)及時(shí)向反洗錢信息中心報(bào)告。
Article 21 The specific measures for a financial institution to establish a clients' identity clarification system and a preservation system for its clients' identity materials and transactional records shall be formulated by the competent department for anti-money laundering of the State Council in conjunction with the related financial supervision and administration institution under the State Council. The specific measures for reporting large-sum transactions and doubtful transactions by financial institutions shall be formulated by the competent department for anti-money laundering of the State Council.
第二十一條 金融機(jī)構(gòu)建立客戶身份識(shí)別制度、客戶身份資料和交易記錄保存制度的具體辦法，由國(guó)務(wù)院反洗錢行政主管部門會(huì)同國(guó)務(wù)院有關(guān)金融監(jiān)督管理機(jī)構(gòu)制定。金融機(jī)構(gòu)大額交易和可疑交易報(bào)告的具體辦法，由國(guó)務(wù)院反洗錢行政主管部門制定。
Article 22 Financial institutions shall, in light of the requirements for anti-money laundering prevention and supervision, carry out anti-money laundering trainings and drumbeating.
第二十二條 金融機(jī)構(gòu)應(yīng)當(dāng)按照反洗錢預(yù)防、監(jiān)控制度的要求，開(kāi)展反洗錢培訓(xùn)和宣傳工作。
Chapter IV Investigation on Anti-money Laundering
第四章 反洗錢調(diào)查
Article 23 If the competent department of anti-money laundering of the State Council or any its provincial dispatched organs finds any doubtful transaction, if an investigation and verification is therefore required, it may conduct an investigation into the related financial institutions which shall provide assistance and faithfully provide the related documents and materials.
第二十三條 國(guó)務(wù)院反洗錢行政主管部門或者其省一級(jí)派出機(jī)構(gòu)發(fā)現(xiàn)可疑交易活動(dòng)，需要調(diào)查核實(shí)的，可以向金融機(jī)構(gòu)進(jìn)行調(diào)查，金融機(jī)構(gòu)應(yīng)當(dāng)予以配合，如實(shí)提供有關(guān)文件和資料。
For the investigation into any doubtful transaction, there shall be not less than 2 investigators, who shall show their legal certificates and the investigation notice produced by the competent department for anti-money laundering of the State Council or the organ dispatched thereof at the provincial level. In case the investigators are fewer than 2, or the related legal certificate or investigation notice fails to be shown, the financial institution subject to investigation has the right to refuse the investigation.
調(diào)查可疑交易活動(dòng)時(shí)，調(diào)查人員不得少于二人，并出示合法證件和國(guó)務(wù)院反洗錢行政主管部門或者其省一級(jí)派出機(jī)構(gòu)出具的調(diào)查通知書(shū)。調(diào)查人員少于二人或者未出示合法證件和調(diào)查通知書(shū)的，金融機(jī)構(gòu)有權(quán)拒絕調(diào)查。
Article 24 For the investigation into any doubtful transaction, the related investigators may inquire of the related personnel of related financial institutions about related information.
第二十四條 調(diào)查可疑交易活動(dòng)，可以詢問(wèn)金融機(jī)構(gòu)有關(guān)人員，要求其說(shuō)明情況。
A transcript shall be made for an inquiry, and shall be checked against the person being inquired. In the case of any omission or mistake in the transcript, the person being inquired may request for supplementation or correction. After the person being inquired confirms that the transcript is inerrant, he shall render his signature or seal thereto. And the related investigators shall render their signatures onto the transcript as well.
詢問(wèn)應(yīng)當(dāng)制作詢問(wèn)筆錄。詢問(wèn)筆錄應(yīng)當(dāng)交被詢問(wèn)人核對(duì)。記載有遺漏或者差錯(cuò)的，被詢問(wèn)人可以要求補(bǔ)充或者更正。被詢問(wèn)人確認(rèn)筆錄無(wú)誤后，應(yīng)當(dāng)簽名或者蓋章；調(diào)查人員也應(yīng)當(dāng)在筆錄上簽名。
Article 25 If a further examination is required during an investigation, the investigator may, upon the approval of the principal of the competent department for anti-money laundering of the State Council or the organ dispatched thereof at the provincial level, consult and photocopy the related account information, transactional records and any other related materials of the inquired institution or persons, and may seal up any document or material that may be transferred, concealed, sophisticated or destroyed.
第二十五條 調(diào)查中需要進(jìn)一步核查的，經(jīng)國(guó)務(wù)院反洗錢行政主管部門或者其省一級(jí)派出機(jī)構(gòu)的負(fù)責(zé)人批準(zhǔn)，可以查閱、復(fù)制被調(diào)查對(duì)象的賬戶信息、交易記錄和其他有關(guān)資料；對(duì)可能被轉(zhuǎn)移、隱藏、篡改或者毀損的文件、資料，可以予以封存。
If an investigator seals up any document or material, he shall, together with the related personnel of the investigated financial institution on the spot, check them out and produce a checklist in duplicate, to which the signatures or seals of investigators and personnel of the financial institutions on the spot shall be rendered. One copy shall be delivered to the financial institution, and the other be attached to the related file for reference.
調(diào)查人員封存文件、資料，應(yīng)當(dāng)會(huì)同在場(chǎng)的金融機(jī)構(gòu)工作人員查點(diǎn)清楚，當(dāng)場(chǎng)開(kāi)列清單一式二份，由調(diào)查人員和在場(chǎng)的金融機(jī)構(gòu)工作人員簽名或者蓋章，一份交金融機(jī)構(gòu)，一份附卷備查。
Article 26 In case any suspicion of money laundering can still not be cleared off upon investigation, the case shall be reported to the competent investigation organ immediately. If any client requires transferring the account capital as involved in the investigation to a foreign country, temporary freezing measures may be adopted, upon the approval of the principal of the competent department for anti-money laundering of the State Council.
第二十六條 經(jīng)調(diào)查仍不能排除洗錢嫌疑的，應(yīng)當(dāng)立即向有管轄權(quán)的偵查機(jī)關(guān)報(bào)案。客戶要求將調(diào)查所涉及的賬戶資金轉(zhuǎn)往境外的，經(jīng)國(guó)務(wù)院反洗錢行政主管部門負(fù)責(zé)人批準(zhǔn)，可以采取臨時(shí)凍結(jié)措施。
After the investigation organ receives a case, it shall timely decide whether or not to further freeze the capital as temporarily frozen up in accordance with the provisions of the preceding paragraph. If it deems that it is necessary to continue freezing the capital, freezing measures shall be adopted according to the provisions of the Criminal Litigation Law. In case it deems that it is unnecessary to freeze the capital any more, it shall immediately notify the competent department for anti-money laundering of the State Council, which shall immediately notify the related financial institution to lift the freeze.
偵查機(jī)關(guān)接到報(bào)案后，對(duì)已依照前款規(guī)定臨時(shí)凍結(jié)的資金，應(yīng)當(dāng)及時(shí)決定是否繼續(xù)凍結(jié)。偵查機(jī)關(guān)認(rèn)為需要繼續(xù)凍結(jié)的，依照刑事訴訟法的規(guī)定采取凍結(jié)措施；認(rèn)為不需要繼續(xù)凍結(jié)的，應(yīng)當(dāng)立即通知國(guó)務(wù)院反洗錢行政主管部門，國(guó)務(wù)院反洗錢行政主管部門應(yīng)當(dāng)立即通知金融機(jī)構(gòu)解除凍結(jié)。
The temporary freezing shall not exceed 48 hours. If a financial institution does not receive any notice on continuing freezing from the investigation organ within 48 hours after it adopts temporary freezing measures pursuant to the requirements of the competent department for anti-money laundering of the State Council, it shall immediately lift the freeze.
臨時(shí)凍結(jié)不得超過(guò)四十八小時(shí)。金融機(jī)構(gòu)在按照國(guó)務(wù)院反洗錢行政主管部門的要求采取臨時(shí)凍結(jié)措施后四十八小時(shí)內(nèi)，未接到偵查機(jī)關(guān)繼續(xù)凍結(jié)通知的，應(yīng)當(dāng)立即解除凍結(jié)。
Chapter V International Cooperation on Anti-money Laundering
第五章 反洗錢國(guó)際合作
Article 27 The People's Republic of China shall, in light of the international treaties that China has concluded or acceded to or according to the principles of equality and reciprocity, carry out the international cooperation on anti-money laundering.
第二十七條 中華人民共和國(guó)根據(jù)締結(jié)或者參加的國(guó)際條約，或者按照平等互惠原則，開(kāi)展反洗錢國(guó)際合作。
Article 28 The competent department for anti-money laundering of the State Council shall, pursuant to the authorization of the State Council, represent the Chinese government to make anti-money laundering cooperation with foreign governments and related international organizations, exchange the related information and materials involved in anti-money laundering with overseas anti-money laundering institutions under law.
第二十八條 國(guó)務(wù)院反洗錢行政主管部門根據(jù)國(guó)務(wù)院授權(quán)，代表中國(guó)政府與外國(guó)政府和有關(guān)國(guó)際組織開(kāi)展反洗錢合作，依法與境外反洗錢機(jī)構(gòu)交換與反洗錢有關(guān)的信息和資料。
Article 29 Juridical assistance for investigation into any crime of money laundering shall be made by the judicial organ in accordance with the provisions of related laws.
第二十九條 涉及追究洗錢犯罪的司法協(xié)助，由司法機(jī)關(guān)依照有關(guān)法律的規(guī)定辦理。
Chapter VI Legal Liabilities
第六章 法律責(zé)任
Article 30 If any functionary of the competent department for anti-money laundering or any other department or organ undertaking the functions and duties of anti-money laundering supervision and administration is under any of the following circumstances, an administrative sanction shall be imposed upon under law:
第三十條 反洗錢行政主管部門和其他依法負(fù)有反洗錢監(jiān)督管理職責(zé)的部門、機(jī)構(gòu)從事反洗錢工作的人員有下列行為之一的，依法給予行政處分：
(1) making examination, investigation or adopting any temporary freezing measures in violation of the related provisions;
（一）違反規(guī)定進(jìn)行檢查、調(diào)查或者采取臨時(shí)凍結(jié)措施的；
(2) divulging any state secret, commercial secret or individual privacy, which he has access to in his anti-money laundering work;
（二）泄露因反洗錢知悉的國(guó)家秘密、商業(yè)秘密或者個(gè)人隱私的；
(3) imposing any administrative punishment on the related institution and personnel in violation of the related provisions; or
（三）違反規(guī)定對(duì)有關(guān)機(jī)構(gòu)和人員實(shí)施行政處罰的；
(4) having any act of failing to perform his duties and functions under law.
（四）其他不依法履行職責(zé)的行為。
Article 31 If a financial institution has any of the following acts, the competent department for anti-money laundering of the State Council or the dispatched organ authorized thereof at or above the districted city level shall order it to make corrections within a time limit. If the circumstance is serious, it shall advise the related financial supervision and administration institution to order the related financial institution to give a disciplinary sanction to its directly liable chairperson, senior managers or any other person directly responsible under law:
第三十一條 金融機(jī)構(gòu)有下列行為之一的，由國(guó)務(wù)院反洗錢行政主管部門或者其授權(quán)的設(shè)區(qū)的市一級(jí)以上派出機(jī)構(gòu)責(zé)令限期改正；情節(jié)嚴(yán)重的，建議有關(guān)金融監(jiān)督管理機(jī)構(gòu)依法責(zé)令金融機(jī)構(gòu)對(duì)直接負(fù)責(zé)的董事、高級(jí)管理人員和其他直接責(zé)任人員給予紀(jì)律處分：
(1) failing to establish an internal control system of anti-money laundering according to the related provisions;
（一）未按照規(guī)定建立反洗錢內(nèi)部控制制度的；
(2) failing to establish a special institution for anti-money laundering or designate an internal department to take charge of anti-money laundering; or
（二）未按照規(guī)定設(shè)立反洗錢專門機(jī)構(gòu)或者指定內(nèi)設(shè)機(jī)構(gòu)負(fù)責(zé)反洗錢工作的；
(3) failing to conduct anti-money laundering trainings to its employees according to the related provisions.
（三）未按照規(guī)定對(duì)職工進(jìn)行反洗錢培訓(xùn)的。
Article 32 If a financial institution is under any of the following circumstances, the competent department for anti-money laundering of the State Council or the dispatched organ authorized thereof at or above the districted city level shall order it to make corrections. If the circumstance is serious, a fine of 20, 000 Yuan up to 50, 000 Yuan shall be imposed on the financial institution and a fine of 10, 000 Yuan up to 50, 000 Yuan shall be imposed upon its directly liable chairman, senior managers or any other person directly responsible:
第三十二條 金融機(jī)構(gòu)有下列行為之一的，由國(guó)務(wù)院反洗錢行政主管部門或者其授權(quán)的設(shè)區(qū)的市一級(jí)以上派出機(jī)構(gòu)責(zé)令限期改正；情節(jié)嚴(yán)重的，處二十萬(wàn)元以上五十萬(wàn)元以下罰款，并對(duì)直接負(fù)責(zé)的董事、高級(jí)管理人員和其他直接責(zé)任人員，處一萬(wàn)元以上五萬(wàn)元以下罰款：
(1) failing to fulfill the obligation of certifying any clients' identity according to the related provisions;
（一）未按照規(guī)定履行客戶身份識(shí)別義務(wù)的；
(2) failing to preserve the clients' identity materials and transactional records according to the related provisions;
（二）未按照規(guī)定保存客戶身份資料和交易記錄的；
(3) failing to make related reports on large-sum transactions or doubtful transactions according to the related provisions;
（三）未按照規(guī)定報(bào)送大額交易報(bào)告或者可疑交易報(bào)告的；
(4) trading with any client who fails to clarify its/his identity or establishes any anonymous account or pseudonymous account therefor;
（四）與身份不明的客戶進(jìn)行交易或者為客戶開(kāi)立匿名賬戶、假名賬戶的；
(5) violating the related confidential provisions or divulging any related information;
（五）違反保密規(guī)定，泄露有關(guān)信息的；
(6) refusing or retarding any anti-money laundering examination or investigation; or
（六）拒絕、阻礙反洗錢檢查、調(diào)查的；
(7) refusing to provide any investigation material or providing any false material on purpose.
（七）拒絕提供調(diào)查材料或者故意提供虛假材料的。
If a financial institution has any of the aforesaid acts and thus results in the consequence of money laundering, a fine of 500, 000 Yuan up to 5, 000, 000 Yuan shall be imposed upon the financial institution and a fine of 50, 000 Yuan up to 500, 000 Yuan shall be imposed upon its directly liable chairman, senior managers or any other person directly responsible. If the circumstance is serious, the competent department for anti-money laundering may advise the related financial supervision and administration institution to order the financial institution to suspend its business for rectification or to revoke its business license.
金融機(jī)構(gòu)有前款行為，致使洗錢后果發(fā)生的，處五十萬(wàn)元以上五百萬(wàn)元以下罰款，并對(duì)直接負(fù)責(zé)的董事、高級(jí)管理人員和其他直接責(zé)任人員處五萬(wàn)元以上五十萬(wàn)元以下罰款；情節(jié)特別嚴(yán)重的，反洗錢行政主管部門可以建議有關(guān)金融監(jiān)督管理機(jī)構(gòu)責(zé)令停業(yè)整頓或者吊銷其經(jīng)營(yíng)許可證。
As to the directly liable chairman, senior managers or any other person directly responsible of a financial institution as prescribed in the preceding two paragraphs, the competent department of anti-money laundering may advise the related financial supervision and administration institution to order the financial institution to give a disciplinary sanction thereto or revoke his qualification to hold a post and prohibit him from engaging in any financial work.
對(duì)有前兩款規(guī)定情形的金融機(jī)構(gòu)直接負(fù)責(zé)的董事、高級(jí)管理人員和其他直接責(zé)任人員，反洗錢行政主管部門可以建議有關(guān)金融監(jiān)督管理機(jī)構(gòu)依法責(zé)令金融機(jī)構(gòu)給予紀(jì)律處分，或者建議依法取消其任職資格、禁止其從事有關(guān)金融行業(yè)工作。
Article 33 If anyone violates the provisions of the present Law and thus a crime is constituted, he shall be subject to criminal liabilities under law.
第三十三條 違反本法規(guī)定，構(gòu)成犯罪的，依法追究刑事責(zé)任。
Chapter VII Supplementary Provisions
第七章 附則
Article 34 "Financial institutions" as mentioned in the present Law refer to the policy banks, commercial banks, credit cooperatives, post savings institutions, trust investment companies, securities companies, futures brokerage companies, insurance companies and any other institution, which have been determined and publicized by the competent department for anti-money laundering of the State Council to engage in financial undertakings.
第三十四條 本法所稱金融機(jī)構(gòu)，是指依法設(shè)立的從事金融業(yè)務(wù)的政策性銀行、商業(yè)銀行、信用合作社、郵政儲(chǔ)匯機(jī)構(gòu)、信托投資公司、證券公司、期貨經(jīng)紀(jì)公司、保險(xiǎn)公司以及國(guó)務(wù)院反洗錢行政主管部門確定并公布的從事金融業(yè)務(wù)的其他機(jī)構(gòu)。
Article 35 The scope of the special non-financial institutions that shall perform the obligation of anti-money laundering, the specific anti-money laundering obligations thereof and the specific measures for supervision and administration on special non-financial institutions shall be formulated by the competent department for anti-money laundering of the State Council in conjunction with the related departments of the State Council.
第三十五條 應(yīng)當(dāng)履行反洗錢義務(wù)的特定非金融機(jī)構(gòu)的范圍、其履行反洗錢義務(wù)和對(duì)其監(jiān)督管理的具體辦法，由國(guó)務(wù)院反洗錢行政主管部門會(huì)同國(guó)務(wù)院有關(guān)部門制定。
Article 36 The supervision over any fund suspected of being involved in any terrorism activity shall be subject to the present Law. If there is any other provision in this regard, such provision shall prevail.
第三十六條 對(duì)涉嫌恐怖活動(dòng)資金的監(jiān)控適用本法；其他法律另有規(guī)定的，適用其規(guī)定。
Article 37 The present Measures shall enter into effect as of January 1, 2007.
第三十七條 本法自2007年1月1日起施行。