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| Order of the People's Bank of China | | 中国人民银行令 |
No. 1 (2003) | |
（2003年第1号） |
In accordance with the Law of the People's Republic of China on the People's Bank of China and other laws and regulations, the Provisions of Anti-money-laundering through Financial Institutions has been formulated by the People's Bank of China, and was adopted on September 17, 2002 at the 7th executive meeting of the Bank, it is hereby promulgated and shall be implemented as of March 1, 2003. | |
根据《中华人民共和国中国人民银行法》等法律法规的规定，中国人民银行制定了《金融机构反洗钱规定》，经2002年9月17日第7次行务会议通过，现予公布，自2003年3月1日起施行。 |
President: Zhou Xiaochuan | |
行长：周小川 |
March 1, 2003 | |
二00三年一月三日 |
Provisions of Anti-money-laundering through Financial Institutions | |
金融机构反洗钱规定 |
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| Article 1 In order to prohibit criminals from laundering money through financial institutions and to ensure the security of finance, the present Provisions have been formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and other laws and administrative regulations. | | 第一条 为防止违法犯罪分子利用金融机构从事洗钱活动，维护金融安全，根据《中华人民共和国中国人民银行法》和其他法律、行政法规的规定，制定本规定。 |
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| Article 2 The present Provisions shall be applicable to the work of anti-money-laundering through financial institutions. | | 第二条 金融机构开展反洗钱工作，适用本规定。 |
The term "financial institutions" refers to the institutions established in accordance with Chinese law within the borders of China and engaged in financial business, including policy banks, commercial banks, credit unions, postal savings agencies, financial companies, trust and investment companies, financial lease companies and foreign-funded financial institutions. | |
本规定所称金融机构，是指在中华人民共和国境内依法设立和经营金融业务的机构，包括政策性银行、商业银行、信用合作社、邮政储汇机构、财务公司、信托投资公司、金融租赁公司和外资金融机构等。 |
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| Article 3 The term "laundering money" refers to the act of legalizing the form of illegal incomes and other gains arising from drug crimes, organized crimes in the nature of gangsterdom, crimes of terrorism, crimes of smuggling and other crimes by various means of disguising and concealing the source and nature thereof. | | 第三条 本规定所称洗钱，是指将毒品犯罪、黑社会性质的组织犯罪、恐怖活动犯罪、走私犯罪或者其他犯罪的违法所得及其产生的收益，通过各种手段掩饰、隐瞒其来源和性质，使其在形式上合法化的行为。 |
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| Article 4 Financial institutions and their staff shall carefully perform the duties of anti-money-laundering in accordance with the present Provisions, shall cautiously identify doubtful transactions, shall not engage in unfair competitions hindering the performance of the duties of anti-laundering money. | | 第四条 金融机构及其工作人员应当依照本规定认真履行反洗钱义务，审慎地识别可疑交易，不得从事不正当竞争妨碍反洗钱义务的履行。 |
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| Article 5 Financial institutions and their staff shall keep secret in the work of fighting against money-laundering, shall not release relevant information to the customers and other persons in violation of the present Provisions. | | 第五条 金融机构及其工作人员应当保守反洗钱工作秘密，不得违反规定将有关反洗钱工作信息泄露给客户和其他人员。 |
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| Article 6 Financial institutions shall, in accordance with the law, help and cooperate with judicial organs and administrative organs for law enforcement to fight against activities of laundering money, and shall, in conformity with relevant laws and administrative regulations, assist judicial organs, customs and taxation departments etc. to inquire about, freeze and deduct or transfer the savings of the customers. | | 第六条 金融机构应当依法协助、配合司法机关和行政执法机关打击洗钱活动，依照法律、行政法规等有关规定协助司法机关、海关、税务等部门查询、冻结、扣划客户存款。 |
Overseas branches of Chinese-funded financial institutions shall abide by pertinent laws and provisions of anti-money-laundering of the country or region where they are located and shall, in accordance with the law, help and cooperate with the country or region where they are located in the work of fighting against money laundering. | |
中资金融机构的境外分支机构应当遵循驻在国家或地区反洗钱方面的法律规定，依法协助配合驻在国家或地区反洗钱部门的工作。 |
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| Article 7 The People's Bank of China is the supervising and managerial organ for the work of fighting against the laundering of illegal money. | | 第七条 中国人民银行是金融机构反洗钱工作的监督管理机关。 |
The People's Bank of China shall establish a leading group for the work of anti-money-laundering through financial institutions, which shall perform the following duties: | |
中国人民银行设立金融机构反洗钱工作领导小组，履行下列职责： |
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| (1) shall be responsible for the uniform supervision and coordination in the work of anti-money-laundering through financial institutions; | | （一）统一监管、协调金融机构反洗钱工作； |
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| (2) shall study and create strategies, programs and policies of anti-money-laundering through financial institutions, formulate rules of anti-money-laundering and rules of reporting large sum and doubtful renminbi fund transactions; | | （二）研究和制定金融机构的反洗钱战略、规划和政策，制定反洗钱工作制度，制定大额和可疑人民币资金交易报告制度； |
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| (3) shall install monitoring system on payments and transactions, monitoring the activities of paying money and transactions; | | （三）建立支付交易监测系统，对支付交易进行监测； |
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| (4) shall study the important hard issues and put forward solutions and countermeasures; | | （四）研究金融机构反洗钱工作的重大疑难问题，提出解决方案与对策； |
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| (5) shall participate in international cooperation in the area of anti-money-laundering, direct the work of foreign exchange and cooperation in anti-money-laundering through financial institutions; | | （五）参与反洗钱国际合作，指导金融机构反洗钱工作的对外合作交流； |
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| (6) and other supervision duties that shall be undertaken by the People's Bank of China. | | （六）其他应由中国人民银行履行的反洗钱监管职责。 |
The State Administration of Foreign Exchange shall be responsible for the supervision of the work of reporting large sum and doubtful renminbi fund transactions and it shall formulate rules of reporting large sum and doubtful renminbi fund transactions. | |
国家外汇管理局负责对大额、可疑外汇资金交易报告工作进行监督管理。国家外汇管理局制定大额、可疑外汇资金交易报告制度。 |
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Article 8 Financial institutions shall establish and perfect the interior control system of anti-money-laundering in accordance with relevant regulations of the People's Bank of China and report to the People's Bank of China for archival purposes.
．．．．．． | | 第八条 金融机构应当按照中国人民银行的规定，建立健全反洗钱内控制度，并报送中国人民银行备案。
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