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Measures for the Administration of Financial Institutions' Reporting of High-Value Transactions and Suspicious Transactions (2016 Revision) [Revised]
金融机构大额交易和可疑交易报告管理办法(2016修订) [已被修订]
【法宝引证码】

Order of the People's Bank of China 

中国人民银行令

(No. 3 [2016]) (〔2016〕第3号)

In accordance with the Anti-Money Laundering Law of the People's Republic of China, the Law of the People's Republic of China on the People's Bank of China, the Counterterrorism Law of the People's Republic of China, and other laws, the People's Bank of China (“PBC”) has revised the Measures for the Administration of Financial Institutions' Reporting of High-Value Transactions and Suspicious Transactions (Order No. 2 [2006], PBC), which, as adopted at the 9th governor's executive meeting on December 9, 2016, are hereby issued, and shall come into force on July 1, 2017. 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》、《中华人民共和国反恐怖主义法》等法律规定,中国人民银行对《金融机构大额交易和可疑交易报告管理办法》(中国人民银行令〔2006〕第2号发布)进行了修订,经2016年12月9日第9次行长办公会议通过,现予发布,自2017年7月1日起施行。
Governor: Zhou Xiaochuan 行 长  周小川
December 28, 2016 2016年12月28日
Measures for the Administration of Financial Institutions' Reporting of High-Value Transactions and Suspicious Transactions 金融机构大额交易和可疑交易报告管理办法
Chapter I General Provisions 

第一章 总 则

Article 1 For the purpose of regulating financial institutions' reporting of high-value transactions and suspicious transactions, these Measures are developed in accordance with the Anti-Money Laundering Law of the People's Republic of China, the Law of the People's Republic of China on the People's Bank of China, the Counterterrorism Law of the People's Republic of China, and other relevant laws and regulations.   第一条 为了规范金融机构大额交易和可疑交易报告行为,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》、《中华人民共和国反恐怖主义法》等有关法律法规,制定本办法。
Article 2 These Measures shall apply to the following financial institutions legally formed in the territory of the People's Republic of China:   第二条 本办法适用于在中华人民共和国境内依法设立的下列金融机构:
(1) Policy banks, commercial banks, rural cooperative banks, rural credit cooperatives, and village banks. (一)政策性银行、商业银行、农村合作银行、农村信用社、村镇银行。
(2) Securities companies, futures companies, and fund management companies. (二)证券公司、期货公司、基金管理公司。
(3) Insurance companies, insurance asset management companies, specialized insurance agency companies, and insurance brokerage companies. (三)保险公司、保险资产管理公司、保险专业代理公司、保险经纪公司。
(4) Trust companies, financial asset management companies, finance companies of enterprise groups, financial leasing companies, auto finance companies, currency brokerage companies, and loan companies. (四)信托公司、金融资产管理公司、企业集团财务公司、金融租赁公司、汽车金融公司、消费金融公司、货币经纪公司、贷款公司。
(5) Other institutions conducting financial business which shall perform the anti-money laundering obligation, as determined and published by the PBC. (五)中国人民银行确定并公布的应当履行反洗钱义务的从事金融业务的其他机构。
Article 3 Financial institutions shall perform the obligation of reporting high-value transactions and suspicious transactions, submit reports on high-value transactions and suspicious transactions to the China Anti-Money Laundering Monitoring and Analysis Center, and accept the supervision and inspection conducted by the PBC and its branch offices.   第三条 金融机构应当履行大额交易和可疑交易报告义务,向中国反洗钱监测分析中心报送大额交易和可疑交易报告,接受中国人民银行及其分支机构的监督、检查。
Article 4 A financial institution shall submit reports on high-value transactions and suspicious transactions according to the channels and methods prescribed in these Measures through its head office or one institution designated by its head office.   第四条 金融机构应当通过其总部或者总部指定的一个机构,按本办法规定的路径和方式提交大额交易和可疑交易报告。
Chapter II Reports on High-Value Transactions 

第二章 大额交易报告

Article 5 A financial institution shall report the following high-value transactions:   第五条 金融机构应当报告下列大额交易:
(1) A single transaction or the accumulated transactions on a day for cash deposit, cash withdrawal, settlement or sale of foreign exchange in cash, exchange of notes, cash remittance, payment of cash instruments, or any other form of cash receipt and payment, the value of which reaches 50,000 yuan or more or reaches the equivalent value of 10,000 US dollars or more in foreign currencies. (一)当日单笔或者累计交易人民币5万元以上(含5万元)、外币等值1万美元以上(含1万美元)的现金缴存、现金支取、现金结售汇、现钞兑换、现金汇款、现金票据解付及其他形式的现金收支。
(2) A single transfer or the accumulated transfers of funds on a day between the bank accounts of a non-natural person client and other bank accounts, the value of which reaches 2 million yuan or more or reaches the equivalent value of 200,000 US dollars or more in foreign currencies. (二)非自然人客户银行账户与其他的银行账户发生当日单笔或者累计交易人民币200万元以上(含200万元)、外币等值20万美元以上(含20万美元)的款项划转。
(3) A single domestic transfer or the accumulated domestic transfers of funds on a day between the bank accounts of a natural person client and other bank accounts, the value of which reaches 500,000 yuan or more or reaches the equivalent value of 100,000 US dollars or more in foreign currencies. (三)自然人客户银行账户与其他的银行账户发生当日单笔或者累计交易人民币50万元以上(含50万元)、外币等值10万美元以上(含10万美元)的境内款项划转。
(4) A single cross-border transfer or the accumulated cross-border transfers of funds on a day between the bank accounts of a natural person client and other bank accounts, the value of which reaches 200,000 yuan or more or reaches the equivalent value of 10,000 US dollars or more in foreign currencies. (四)自然人客户银行账户与其他的银行账户发生当日单笔或者累计交易人民币20万元以上(含20万元)、外币等值1万美元以上(含1万美元)的跨境款项划转。
The cumulative amount of transactions shall be calculated and reported per client according to the cumulative receipts or cumulative payments of funds, except as otherwise specified by the PBC. 累计交易金额以客户为单位,按资金收入或者支出单边累计计算并报告。中国人民银行另有规定的除外。
The PBC may, as needed, adjust the reporting standards for high-value transactions as set out in paragraph 1 of this article. 中国人民银行根据需要可以调整本条第一款规定的大额交易报告标准。
Article 6 Where a transaction concurrently meets two or more of the standards for high-value transactions, the financial institution shall submit separate reports on the high-value transaction.   第六条 对同时符合两项以上大额交易标准的交易,金融机构应当分别提交大额交易报告。
Article 7 A financial institution is not required to report a high-value transaction meeting any of the following conditions if it does not find the transaction or conduct suspicious:   第七条 对符合下列条件之一的大额交易,如未发现交易或行为可疑的,金融机构可以不报告:
(1) Upon maturity of a term deposit, the funds are not directly withdrawn or transferred; instead, the principal or the principal plus all or part of the interest thereon is redeposited in another account opened with the same financial institution under the same account name. (一)定期存款到期后,不直接提取或者划转,而是本金或者本金加全部或者部分利息续存入在同一金融机构开立的同一户名下的另一账户。
The principal or the principal plus all or part of the interest thereon of a demand deposit is changed into a term deposit in another account opened with the same financial institution under the same account name. 活期存款的本金或者本金加全部或者部分利息转为在同一金融机构开立的同一户名下的另一账户内的定期存款。
The principal or the principal plus all or part of the interest thereon of a term deposit is changed into a demand deposit in another account opened with the same financial institution under the same account name. 定期存款的本金或者本金加全部或者部分利息转为在同一金融机构开立的同一户名下的另一账户内的活期存款。
(2) The conversion between different foreign currencies in the course of a live foreign exchange transaction of a natural person. (二)自然人实盘外汇买卖交易过程中不同外币币种间的转换。
(3) A party to the transaction is a Party authority, state power authority, administrative agency, judicial authority, military authority, or CPPCC authority at any level, the Chinese People's Liberation Army, or the armed police force, excluding all types of enterprises and public institutions thereunder. (三)交易一方为各级党的机关、国家权力机关、行政机关、司法机关、军事机关、人民政协机关和人民解放军、武警部队,但不包含其下属的各类企事业单位。
(4) A lending between financial institutions or a bond transaction on the interbank bond market.
......
 (四)金融机构同业拆借、在银行间债券市场进行的债券交易。
......

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