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| Decree of the People's Bank of China | | 中国人民银行令 |
(No. 3 [2003]) | |
（[2003]第3号） |
The Measures for the Administration of Financial Institutions' Report of Large-Sum and Suspicious Foreign Exchange Transactions as formulated by the People's Bank of China in accordance with the Law of the People's Republic of China on the People's Bank of China and other relevant laws and regulations and adopted at the 7th Executive Meeting of the People's Bank of China on September 17, 2002 are hereby promulgated and shall come into force 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《金融机构大额和可疑外汇资金交易报告管理办法》，经2002年9月17日第7次行务会审议通过，现予公布，自2003年3月1日起实施。 |
Zhou Xiaochuan, President of the People's Bank of China | |
行长：周小川 |
January 3, 2003 | |
二00三年一月三日 |
Measures for the Administration of Financial Institutions' Report of Large-Sum and Suspicious Foreign Exchange Transactions | |
金融机构大额和可疑外汇资金交易报告管理办法 |
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Article 1 These Measures are formulated in accordance with the Regulation of the People's Republic of China on Foreign Exchange Control | | 第一条 为监测大额和可疑外汇资金交易，规范外汇资金交易报告行为，根据《中华人民共和国外汇管理条例》等有关规定，制定本办法。 |
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| Article 2 Domestic financial institutions engaging in foreign exchange business (hereinafter referred to as "financial institutions") shall report large-sum and suspicious foreign exchange transactions to the authorities for foreign exchange control in accordance with these Measures. | | 第二条 境内经营外汇业务的金融机构（以下简称金融机构）应当按照本办法规定，向国家外汇管理部门报告大额和可疑外汇交易情况。 |
Large-sum foreign exchange transactions refer to foreign exchange transactions above a specified amount made by the transacting parties in any form of settlement through a financial institution. | |
大额外汇资金交易，系指交易主体通过金融机构以各种结算方式发生的规定金额以上的外汇交易行为。 |
Suspicious foreign exchange transactions refer to foreign exchange transactions with or for an abnormal amount, frequency, source, direction or use. | |
可疑外汇资金交易，系指外汇交易的金额、频率、来源、流向和用途等有异常特征的交易行为。 |
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| Article 3 The State Administration of Foreign Exchange ("SAFE") and its branch offices (hereinafter referred to as the "AFE") shall take charge of the supervision and administration of the reporting of large-sum and suspicious foreign exchange transactions. | | 第三条 国家外汇管理局及其分支局（以下简称外汇局）负责大额和可疑外汇资金交易报告工作的监督和管理。 |
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| Article 4 When opening foreign exchange accounts for its customers, a financial institution shall abide bythe Provisions on Real-Name Opening of Individual Deposit Accounts and the Provisions on the Control of Foreign Exchange Accounts Opened in China and may not open any anonymous foreign exchange account or any account under an obviously fictitious name for any of its customers. | | 第四条 金融机构为客户开立外汇账户，应当遵守《个人存款账户实名制规定》和《境内外汇账户管理规定》，不得为客户设立匿名外汇账户或明显以假名开立外汇账户。 |
When handling foreign exchange business for its customers, a financial institution shall verify the customer's information, including the name of the entity, the name, ID card and the number thereof of the legal representative or person-in-charge of the entity, supporting documents for account opening, the organization code, domicile, registered capital, business scope, size of business operation and the average daily transaction volume of the account of the entity and, in the case of an individual customer, the name, ID card and the number thereof, domicile, occupation, and information about the income and family of the depositor. | |
金融机构为客户办理外汇业务应当核对其真实身份信息，主要包括单位名称、法定代表人或负责人姓名、身份证件及其号码、开户的证明文件、组织机构代码、住所、注册资本、经营范围、经营规模、账户的日平均收付发生额等信息和个人银行账户存款人的姓名、身份证件及其号码、住所、职业、经济收入、家庭状况等信息。 |
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| Article 5 Each financial institution shall make record of all large-sum and suspicious foreign exchange transactions and keep such records for at least five years from the date of the relevant transaction. | | 第五条 |
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| Article 6 Each financial institution shall establish and improve an internal anti-money laundering post responsibility system, formulate its internal anti-money laundering procedures and have persons specially responsible for the record making, analysis and reporting of large-sum and suspicious foreign exchange transactions. | | 第六条 金融机构应当建立和完善内部反洗钱工作岗位责任制，制定内部反洗钱工作操作程序，明确专人负责对大额和可疑外汇资金交易进行记录、分析和报告。 |
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| Article 7 Unless otherwise required by law, no financial institution may disclose to any entity or individual any information about any large-sum or suspicious foreign exchange transaction. | | 第七条 金融机构不得向任何单位或个人泄露大额和可疑外汇资金交易信息，但法律另有规定的除外。 |
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| Article 8 Any of the following foreign exchange transactions shall constitute a large-sum foreign exchange transaction: | | 第八条 下列外汇交易属于大额外汇资金交易： |
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| (1) any single deposit, drawing, settlement or sale of any foreign cash or any multiple deposits, drawings, settlements or sales of any foreign cash made in a day with an amount or an accumulated amount at the equivalent of US$10,000 or more; and | | （一）当日存、取、结售汇外币现金单笔或累计等值1万美元以上。 |
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| (2) in the case of receipt or payment of non-cash foreign exchange through a transfer, bill, bank card, telephone banking, Internet banking or any other form of electronic transactions or any other new financial instrument, any single transaction or any multiple transactions made in a day with an amount or an accumulated amount at the equivalent of US$100,000 or more in the case of transactions made by an individual, or any single transaction or any multiple transactions made in a day with an amount or an accumulated amount at the equivalent of US$500,000 or more in the case of transactions made by an entity. | | （二）以转账、票据或银行卡、电话银行、网上银行等电子交易以及其他新型金融工具等进行外汇非现金资金收付交易，其中，个人当天单笔或累计等值外汇10万美元以上，企业当天单笔或累计等值外汇50万美元以上。 |
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| Article 9 Any of the following foreign exchange transactions shall constitute a suspicious foreign exchange cash transaction: | | 第九条 下列外汇交易属于可疑外汇现金交易： |
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| (1)any resident individual frequently depositing and drawing large amounts of foreign cash in and from an individual bankcard or deposit account, which apparently does not suit the status of or the use of fund by the cardholder (depositor); | | （一）居民个人银行卡、储蓄账户频繁存、取大量外币现金，与持卡人（储户）身份或资金用途明显不符的； |
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| (2)any resident individual making transfers or drawing cash in large amounts in a foreign country after depositing a large amount of foreign cash in a bankcard in China; | | （二）居民个人在境内将大量外币现金存入银行卡，在境外进行大量资金划转或提取现金的； |
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| (3)any resident individual frequently depositing, drawing cash or settling foreign exchange through an individual foreign exchange cash account in an amount below the SAFE verification threshold; | | （三）居民个人通过现汇账户在国家外汇管理局审核标准以下频繁入账、提现或结汇的； |
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| (4)any non-resident individual frequently taking into China from abroad and depositing in the bank large amounts of foreign cash and then requiring the bank to open a traveler's check or draft to be taken out of China; | | （四）非居民个人频繁携带大量外币现金入境存入银行后，要求银行开旅行支票或汇票带出的； |
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| (5)any non-resident individual frequently depositing large amounts of foreign cash in his bankcard; | | （五）非居民个人银行卡频繁存入大量外币现金的； |
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| (6)any frequent receipts and payments of large amounts of foreign cash through the foreign exchange account of an enterprise, which does not suit the business activities of the account holder; | | （六）企业外汇账户中频繁有大量外币现金收付，与其经营活动不相符的； |
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| (7)any regular and large-amount foreign cash deposits into the foreign exchange account of an enterprise without withdrawal of any large amount of foreign cash from such account; | | （七）企业外汇账户没有提取大量外币现金，却有规律地存入大量外币现金的； |
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| (8)any enterprise frequently receiving export proceeds in cash that apparently does not suit the range and scale of its business; | | （八）企业频繁发生以现金方式收取出口货款，与其经营范围、规模明显不符的； |
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| (9)the RMB fund that an enterprise uses to buy foreign exchange for overseas investment being mostly in cash or that transferred from a bank account other than one of such enterprise; | | （九）企业用于境外投资的购汇人民币资金大部分为现金或从非本单位银行账户转入的； |
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| (10)the RMB fund that an enterprise with foreign investment uses to buy foreign exchange for repatriation of profit being mostly in cash or that transferred from a bank account other than one of such enterprise; and | | （十）外商投资企业利润汇出的购汇人民币资金大部分为现金或从其他单位银行账户转入的； |
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| (11)any enterprise with foreign investment making investment in foreign cash. | | （十一）外商投资企业以外币现金方式进行投资的。 |
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Article 10 Any of the following foreign exchange transactions shall constitute a suspicious non-cash foreign exchange transaction:
．．．．．． | | 第十条 下列外汇交易属于可疑外汇非现金交易：
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