| Notice of the People's Bank of China on Strengthening the Client Identification for Anti-money Laundering | | 中国人民银行关于加强反洗钱客户身份识别有关工作的通知 |
| (No. 235 [2017] of the People's Bank of China) | | （银发[2017]235号） |
| Shanghai Head Office of the People's Bank of China (“PBC”); all branches and business management departments of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; China Development Bank; all policy banks, state-owned commercial banks and joint-stock commercial banks; Postal Savings Bank of China; China UnionPay Co., Ltd.; Rural Credit Banks Funds Clearing Center; and Clearing Center for City Commercial Banks: | | 中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行、各副省级城市中心支行；国家开发银行、各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行，中国银联，农信银资金清算中心，城市商业银行资金清算中心： |
| For the purpose of carrying out the risk-oriented work methods and directing the obligated institutions of anti-money laundering (hereinafter referred to as “obligated institutions”) to further enhance the efficiency of client identification for anti-money laundering, the issue on strengthening the client identification for anti-money laundering is hereby announced as follows: | | 为落实风险为本工作方法，指导反洗钱义务机构（以下简称义务机构）进一步提高反洗钱客户身份识别工作的有效性，现就加强反洗钱客户身份识别有关工作通知如下： |
| I. Strengthening the identification of non-natural person clients | | 一、加强对非自然人客户的身份识别 |
| An obligated institution shall, in accordance with the Measures for the Administration of Client Identification and Preservation of Client Identity Materials and Transaction Records of Financial Institutions (Order No. 2 [2007], PBC, CBRC, CSRC and CIRC), effectively conduct the identification of non-natural person clients, enhance the information transparency of beneficial owners, strengthen risk assessment and categorized management, and prevent the risks of money laundering and terrorist financing caused by complicated equity or control right structure. | | 义务机构应当按照《金融机构客户身份识别和客户身份资料及交易记录保存管理办法》（中国人民银行 中国银行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令[2007]第2号发布）的规定，有效开展非自然人客户的身份识别，提高受益所有人信息透明度，加强风险评估和分类管理，防范复杂股权或者控制权结构导致的洗钱和恐怖融资风险。 |
| (1) An obligated institution shall strengthen the identification of non-natural person clients, and, when establishing or maintaining business relations, take reasonable measures to know the business nature and equity or control right structure of non-natural person clients, and obtain the relevant information on beneficial owners. | | （一）义务机构应当加强对非自然人客户的身份识别，在建立或者维持业务关系时，采取合理措施了解非自然人客户的业务性质与股权或者控制权结构，了解相关的受益所有人信息。 |
| (2) An obligated institution shall, in light of the actual circumstances and the relevant information or data obtained from reliable channels and in a reliable manner, identify the beneficial owners of non-natural person clients, and continuously pay attention to information modification of beneficial owners during the existence of business relations. | | （二）义务机构应当根据实际情况以及从可靠途径、以可靠方式获取的相关信息或者数据，识别非自然人客户的受益所有人，并在业务关系存续期间，持续关注受益所有人信息变更情况。 |
| (3) For the beneficial owner of a non-natural person client, the obligated institution shall conduct in-depth identification level by level until the natural person who has the control right or obtains proceeds is finally identified. The identification standards are as follows: | | （三）对非自然人客户受益所有人的追溯，义务机构应当逐层深入并最终明确为掌握控制权或者获取收益的自然人，判定标准如下： |
| (a) The beneficial owner of a company shall be identified according to the following standards in sequence, a natural person who directly or indirectly owns more than 25% of the company's stock rights or voting rights, a natural person controlling the company by personnel, financial affairs or any other form, and a senior executive of the company. | | 1.公司的受益所有人应当按照以下标准依次判定：直接或者间接拥有超过25%公司股权或者表决权的自然人；通过人事、财务等其他方式对公司进行控制的自然人；公司的高级管理人员。 |
| (b) The “beneficial owner of a partnership enterprise” means a natural person who owns more than 25% of the rights and interests of the partnership. | | 2.合伙企业的受益所有人是指拥有超过25%合伙权益的自然人。 |
| (c) The “beneficial owner of the trust” means the trustor, trustee, beneficiary and other natural persons who have ultimate valid control over the trust. | | 3.信托的受益所有人是指信托的委托人、受托人、受益人以及其他对信托实施最终有效控制的自然人。 |
| (d) The “beneficial owner of a fund” means a natural person who owns more than 25% equity shares or any other natural person controlling the fund. | | 4.基金的受益所有人是指拥有超过25%权益份额或者其他对基金进行控制的自然人。 |
| For a non-natural person client with a relatively high risk, the obligated institution shall adopt stricter standards to identify the beneficial owner. | | 对风险较高的非自然人客户，义务机构应当采取更严格的标准判定其受益所有人。 |
| (4) An obligated institution shall verify the information on the beneficial owners, which may be conducted by inquiring about non-natural person clients, requiring non-natural person clients to provide certification materials, consulting the disclosed information or authorizing the relevant institution to conduct investigation. | | （四）义务机构应当核实受益所有人信息，并可以通过询问非自然人客户，要求非自然人客户提供证明材料、查询公开信息、委托有关机构调查等方式进行。 |
| (5) An obligated institution shall register the name, address, ID card or the type, number and valid term of the identity certificate of the beneficial owner of the client. | | （五）义务机构应当登记客户受益所有人的姓名、地址、身份证或者身份证证明文件的种类、号码和有效期限。 |
| (6) An obligated institution may, on the basis of sufficiently assessing the risk status of the following non-natural person clients, regard their legal representatives or actual controllers as the beneficial owners: | | （六）义务机构在充分评估下述非自然人客户风险状况基础上，可以将其法定代表人或者实际控制人视同为受益所有人： |
| (a) Individual industrial and commercial households, sole proprietorship enterprises, and professional service institutions without legal person status. | | 1.个体工商户、个人独资企业、不具备法人资格的专业服务机构。 |
| (b) Non-corporate farmers' professional cooperative organizations engaged in agriculture, forestry, fishing and animal husbandry. | | 2.经营农林渔牧产业的非公司制农民专业合作组织。 |
| The aforesaid standards shall apply, mutatis mutandis, to enterprises and public institutions controlled by the government. | | 对于受政府控制的企事业单位，参照上述标准执行。 |
| (7) An obligated institution is not required to identify the beneficial owners of the following non-natural person clients: | | （七）义务机构可以不识别下述非自然人客户的受益所有人： |
(a) Party authorities, state authorities, administrative authorities, judicial authorities, military authorities, and political consultative authorities at all levels, the People's Liberation Army, armed police forces, and public institutions governed, mutatis mutandis, by the Civil Servant Law.
．．．．．． | | 1.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、参照公务员法管理的事业单位。
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