| Announcement of the China Banking and Insurance Regulatory Commission on Requesting Public Comments on the Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Banking Financial Institutions (Exposure Draft) | | 中国银保监会关于《银行业金融机构反洗钱和反恐怖融资管理办法（征求意见稿）》公开征求意见的公告 |
| For the purposes of preventing money laundering and financing of terrorism, effectively completing banking financial institutions' work of combating money laundering and financing of terrorism, and implementing the Opinions of the General Office of the State Council on Improving the Regulatory Systems and Mechanisms of Combating Money Laundering, Financing of Terrorism, and Tax Evasion (Letter No. 84 [2017], General Office of the State Council), the China Banking and Insurance Regulatory Commission has drafted the Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Banking Financial Institutions (Exposure Draft) in accordance with the Banking Supervision Law of the People's Republic of China, the Anti-money Laundering Law of the People's Republic of China, the Counterterrorism Law of the People's Republic of China, and other relevant laws and administrative regulations, and hereby requests public comments. The public may submit their comments by the following means: | | 为预防洗钱和恐怖融资活动，做好银行业金融机构反洗钱和反恐怖融资工作，落实《国务院办公厅关于完善反洗钱、反恐怖融资、反逃税监管体制机制的意见》（国办函〔2017〕84号），根据《中华人民共和国银行业监督管理法》《中华人民共和国反洗钱法》《中华人民共和国反恐怖主义法》等有关法律、行政法规，中国银保监会起草了《银行业金融机构反洗钱和反恐怖融资管理办法（征求意见稿）》，现向社会公开征求意见。公众可以通过以下途径反馈意见： |
| I. Log onto the legal information website of the Chinese government (http://www.chinalaw.gov.cn), and submit comments through the “Requests for Comments on Legislation” column of the main menu on the homepage. | | 一、登录中国政府法制信息网（http：//www.chinalaw.gov.cn），进入首页主菜单的“立法意见征集”栏目提出意见。 |
| II. By email at: zhengqiuyijian@cbrc.gov.cn. | | 二、通过电子邮件将意见发送至：zhengqiuyijian@cbrc.gov.cn |
| III. By letter at: Department of Laws and Regulations of the China Banking and Insurance Regulatory Commission, A15 Jinrong Street, Xicheng District, Beijing, 100140, with “Comments on the Measures for the Administration of Combating Money Laundering and Financing of Terrorism” indicated on the envelop. | | 三、通过信函方式将意见寄至：北京市西城区金融大街甲15号中国银保监会法规部（邮编：100140），并请在信封上注明“反洗钱和反恐怖融资管理办法征求意见”字样。 |
| Deadline for submission of comments: November 26, 2018. | | 意见反馈截止时间为2018年11月26日。 |
| China Banking and Insurance Regulatory Commission | | 中国银保监会 |
| October 26, 2018 | | 2018年10月26日 |
| Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Banking Financial Institutions (Exposure Draft) | | 银行业金融机构反洗钱和反恐怖融资管理办法（征求意见稿） |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 For the purposes of preventing money laundering and financing of terrorism, effectively completing banking financial institutions' work of combating money laundering and financing of terrorism, and implementing the Opinions of the General Office of the State Council on Improving the Regulatory Systems and Mechanisms of Combating Money Laundering, Financing of Terrorism, and Tax Evasion (Letter No. 84 [2017], General Office of the State Council), these Measures are developed in accordance with the Banking Supervision Law of the People's Republic of China, the Anti-money Laundering Law of the People's Republic of China, the Counterterrorism Law of the People's Republic of China, and other relevant laws and administrative regulations. | | 第一条 为预防洗钱和恐怖融资活动，做好银行业金融机构反洗钱和反恐怖融资工作，落实《国务院办公厅关于完善反洗钱、反恐怖融资、反逃税监管体制机制的意见》（国办函〔2017〕84号），根据《中华人民共和国银行业监督管理法》《中华人民共和国反洗钱法》《中华人民共和国反恐怖主义法》等有关法律、行政法规，制定本办法。 |
| Article 2 The banking regulatory authority of the State Council shall, in accordance with the provisions of the laws and administrative regulations, cooperate with the appropriate administrative department of combating money laundering under the State Council on performing the duties of supervision and management of combating money laundering and financing of terrorism by banking financial institutions. | | 第二条 国务院银行业监督管理机构根据法律、行政法规规定，配合国务院反洗钱行政主管部门，履行银行业金融机构反洗钱和反恐怖融资监督管理职责。 |
| The local offices of the banking regulatory authority of the State Council shall, according to the laws and administrative regulations and the provisions of these Measures, be responsible for the supervision and administration of combating money laundering and financing of terrorism by banking financial institutions. | | 国务院银行业监督管理机构的派出机构根据法律、行政法规及本办法的规定，负责辖内银行业金融机构反洗钱和反恐怖融资监督管理工作。 |
| Article 3 For the purposes of these Measures, “banking financial institutions” means commercial banks, rural cooperative banks, rural credit cooperatives and other deposit-taking financial institutions, policy banks, and the China Development Bank formed in the territory of the People's Republic of China. | | 第三条 本办法所称银行业金融机构，是指在中华人民共和国境内设立的商业银行、农村合作银行、农村信用合作社等吸收公众存款的金融机构以及政策性银行和国家开发银行。 |
| These Measures shall apply, mutatis mutandis, to the administration of combating money laundering and financing of terrorism by financial asset management companies, trust companies, finance companies of enterprise groups, financial leasing companies, auto finance companies, currency brokerage companies, and consumer finance companies formed in the territory of the People's Republic of China, and other financial institutions formed with approval of the banking regulatory authority of the State Council. | | 对在中华人民共和国境内设立的金融资产管理公司、信托公司、企业集团财务公司、金融租赁公司、汽车金融公司、货币经纪公司、消费金融公司以及经国务院银行业监督管理机构批准设立的其他金融机构的反洗钱和反恐怖融资管理，参照本办法对银行业金融机构的规定执行。 |
| Article 4 Overseas branch offices and subsidiary institutions of banking financial institutions shall comply with the legal provisions of the countries (regions) where they are located on combating money laundering and financing of terrorism, assist in and cooperate with the work of the regulatory institutions in the countries (regions) where they are located, and implement the relevant requirements of these Measures within the scope permitted by the legal provisions of the countries (regions) where they are located. | | 第四条 银行业金融机构境外分支机构和附属机构，应当遵循驻在国家（地区）反洗钱和反恐怖融资方面的法律规定，协助配合驻在国家（地区）监管机构的工作，同时在驻在国家（地区）法律规定允许的范围内，执行本办法的有关要求。 |
| Where the implementation of the relevant requirements of these Measures is not permitted in the countries (regions) where they are located, the banking financial institutions shall take appropriate additional measures to respond to the risks of money laundering and financing of terrorism, and report to the banking regulatory authority of the State Council. | | 若驻在国家（地区）不允许执行本办法的有关要求，银行业金融机构应当采取适当的额外措施应对洗钱和恐怖融资风险，并向国务院银行业监督管理机构报告。 |
| Chapter II Obligations of Banking Financial Institutions for Combating Money Laundering and Financing of Terrorism | | 第二章 银行业金融机构反洗钱和反恐怖融资义务 |
| Article 5 A banking financial institution shall establish and improve a complete risk management system for combating money laundering and financing of terrorism, comprehensively identify and assess its own risks of money laundering and financing of terrorism, and adopt policies and procedures commensurate with the risks. | | 第五条 银行业金融机构应当建立健全反洗钱和反恐怖融资风险管理体系，全面识别和评估自身面临的洗钱和恐怖融资风险，采取与风险相适应的政策和程序。 |
| Article 6 A banking financial institution shall incorporate the management of the risks of money laundering and financing of terrorism into a comprehensive risk management system, and embed the requirements for combating money laundering and financing of terrorism into the compliance management and internal control system, to ensure that the risk management system for combating money laundering and financing of terrorism may completely cover various products and services. | | 第六条 银行业金融机构应当将洗钱和恐怖融资风险管理纳入全面风险管理体系，将反洗钱和反恐怖融资要求嵌入合规管理、内部控制制度，确保反洗钱和反恐怖融资风险管理体系能够全面覆盖各项产品及服务。 |
| Article 7 A banking financial institution shall establish and improve the complete and unified internal control system for combating money laundering and financing of terrorism according to the law and manage the implementation by its branch offices and subsidiary institutions. The internal control system for combating money laundering and financing of terrorism shall involve: | | 第七条 银行业金融机构应当依法建立完善统一的反洗钱和反恐怖融资内部控制制度，并对分支机构和附属机构的执行情况进行管理。反洗钱和反恐怖融资内部控制制度应当包括下列内容： |
| (1) the division of functions for the internal control over combating money laundering and financing of terrorism; | | （一）反洗钱和反恐怖融资内部控制职责划分； |
| (2) the internal control measures for combating money laundering and financing of terrorism; | | （二）反洗钱和反恐怖融资内部控制措施； |
| (3) the internal control assessment mechanism for combating money laundering and financing of terrorism; | | （三）反洗钱和反恐怖融资内部控制评价机制； |
| (4) the internal control supervision system for combating money laundering and financing of terrorism; | | （四）反洗钱和反恐怖融资内部控制监督制度； |
| (5) the emergency response mechanism for major risk events of money laundering and financing of terrorism; | | （五）重大洗钱和恐怖融资风险事件应急处置机制； |
| (6) the information confidentiality system for combating money laundering and financing of terrorism; | | （六）反洗钱和反恐怖融资工作信息保密制度； |
| (7) the system for assisting in inquiry, freezing and deduction for suspected money laundering cases; and | | （七）涉嫌洗钱案件协助查询、冻结、扣划制度； |
| (8) other contents prescribed by the banking regulatory authority of the State Council. | | （八）国务院银行业监督管理机构规定的其他内容。 |
| Article 8 A banking financial institution shall establish a risk management framework for combating money laundering and financing of terrorism with well-defined organizational structure and clear boundary of duties, and specify the division of duties among the board of directors, board of supervisors, senior management, business departments, risk management departments and internal audit departments of combating money laundering and financing of terrorism in the management of risks of combating money laundering and financing of terrorism. | | 第八条 银行业金融机构应当建立组织架构健全、职责边界清晰的反洗钱和反恐怖融资风险治理架构，明确董事会、监事会、高级管理层、业务部门、反洗钱和反恐怖融资风险管理部门和内审部门在反洗钱和反恐怖融资风险管理中的职责分工。 |
| Article 9 The board of directors of a banking financial institution shall assume the ultimate responsibility for combating money laundering and financing of terrorism. | | 第九条 银行业金融机构董事会应当对反洗钱和反恐怖融资工作承担最终责任。 |
| Article 10 The senior management of a banking financial institution shall assume the responsibility for managing the risks of combating money laundering and financing of terrorism. | | 第十条 银行业金融机构的高级管理层应当承担反洗钱和反恐怖融资风险管理的实施责任。 |
| A banking financial institution shall appoint or authorize a senior executive to take the lead in being responsible for managing the risks of combating money laundering and financing of terrorism, and he shall have the right to carry out work independently. The banking financial institution shall ensure that the senior executive has full access to the authority and resources required for performing duties and avoid conflict of interests that may affect his performance of duties. | | 银行业金融机构应当任命或授权一名高级管理人员牵头负责反洗钱和反恐怖融资风险管理工作，其有权独立开展工作。银行业金融机构应当确保其能够充分获取履职所需的权限和资源，避免可能影响其履职的利益冲突。 |
| Article 11 A banking financial institution shall establish a special institution for combating money laundering and financing of terrorism or designate an internal organization to be responsible for managing the risks of combating money laundering and financing of terrorism. The internal organization carrying out the work of combating money laundering and financing of terrorism shall set up special positions for combating money laundering and financing of terrorism and appoint sufficient personnel. | | 第十一条 银行业金融机构应当设立反洗钱和反恐怖融资专门机构或者指定内设机构负责反洗钱和反恐怖融资风险管理工作。开展反洗钱和反恐怖融资工作的内设机构，应当设立专门的反洗钱和反恐怖融资岗位，并配备足够人员。 |
| The banking financial institution shall specify the duties of the relevant business departments for combating money laundering and financing of terrorism, to ensure the implementation of the internal control system for combating money laundering and financing of terrorism in the business process. | | 银行业金融机构应当明确相关业务部门的反洗钱和反恐怖融资职责，保证反洗钱和反恐怖融资内控制度在业务流程中贯彻执行。 |
Article 12 A banking financial institution shall, in accordance with relevant provisions, establish, improve and implement a client identification system, follow the principle of “know your clients,” take effective measures in light of different clients, business relationships or transactions to identify and verify clients, know clients and understand their purposes and nature of establishing and maintaining the business relationships, and know the beneficial owners of non-natural person clients.
．．．．．． | | 第十二条 银行业金融机构应当按照规定建立健全和执行客户身份识别制度，遵循“了解你的客户”的原则，针对不同客户、业务关系或者交易，采取有效措施，识别和核实客户身份，了解客户及其建立、维持业务关系的目的和性质，了解非自然人客户受益所有人。
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