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Notice by the People's Bank of China, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission of Issuing the Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Providers of Internet Financial Services (for Trial Implementation) [Effective]
中国人民银行、中国银行保险监督管理委员会、中国证券监督管理委员会关于印发《互联网金融从业机构反洗钱和反恐怖融资管理办法(试行)》的通知 [现行有效]
【法宝引证码】

Notice by the People's Bank of China, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission of Issuing the Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Providers of Internet Financial Services (for Trial Implementation) 

中国人民银行、中国银行保险监督管理委员会、中国证券监督管理委员会关于印发《互联网金融从业机构反洗钱和反恐怖融资管理办法(试行)》的通知

(No. 230 [2018] of the People's Bank of China) (银发[2018]230号)

For the purposes of preventing activities of money laundering and financing of terrorism and regulating the work of combating money laundering and financing of terrorism in the Internet finance industry, in accordance with the Law of the People's Republic of China on the People's Bank of China, the Anti-money Laundering Law of the People's Republic of China, the Counterterrorism Law of the People's Republic of China, the Notice by the General Office of the State Council of Issuing the Implementation Plan for the Special Campaign Against Internet Financial Risks (No. 21 [2016], General Office of the State Council), and the Guiding Opinions of the People's Bank of China, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Finance, the State Administration for Industry and Commerce, the Legislative Affairs Office, the China Banking Regulatory Commission, the China Securities Regulatory Commission, the China Insurance Regulatory Commission and the Cyberspace Administration of China on Promoting the Sound Development of Internet Finance (No. 221 [2015], PBC), among others, the People's Bank of China has, in conjunction with the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission, developed the Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Providers of Internet Financial Services (for Trial Implementation) (hereinafter referred to as the “Measures”), which are hereby issued, with the following notification of the relevant matters, for your compliance and implementation. 为加强防范洗钱和恐怖融资活动,规范互联网金融行业反洗钱和反恐怖融资工作,根据《中华人民共和国中国人民银行法》、《中华人民共和国反洗钱法》、《中华人民共和国反恐怖主义法》、《国务院办公厅关于印发互联网金融风险专项整治工作实施方案的通知》(国办发[2016]21号)、《中国人民银行 工业和信息化部 公安部 财政部 工商总局 法制办 银监会 证监会 保监会 国家互联网信息办公室关于促进互联网金融健康发展的指导意见》(银发[2015]221号)等规定,中国人民银行会同中国银行保险监督管理委员会、中国证券监督管理委员会制定了《互联网金融从业机构反洗钱和反恐怖融资管理办法(试行)》(以下简称《管理办法》),现印发给你们,并就有关事项通知如下,请遵照执行。
I. Providers of Internet financial services other than financial institutions and non-bank payment institutions (hereinafter referred to as “service providers”) shall, in accordance with the Measures, complete the filing of their rules for combating money laundering and financing of terrorism and registration of their performance of duties through the online monitoring platform for combating money laundering and financing of terrorism in Internet finance (hereinafter referred to as the “online monitoring platform”) before January 31, 2019, and complete their system upgrading and other preparations for data submission as soon as possible. Financial institutions and non-bank payment institutions may access the online monitoring platform as needed for their work of combating money laundering.   一、金融机构、非银行支付机构以外的其他互联网金融从业机构(以下简称从业机构)应当根据《管理办法》规定,在2019年1月31日前通过互联网金融反洗钱和反恐怖融资网络监测平台(以下简称网络监测平台)完成反洗钱和反恐怖融资制度报备和履职登记,并尽快完成系统升级等数据报送准备工作。金融机构、非银行支付机构可以根据反洗钱工作需要接入网络监测平台。
II. Beginning on January 1, 2019, service providers shall submit reports on high-value transactions and suspicious transactions to the China Anti-money Laundering Monitoring and Analysis Center through the online monitoring platform. Financial institutions and non-bank payment institutions shall directly submit reports on high-value transactions and suspicious transactions to the China Anti-money Laundering Monitoring and Analysis Center as required by the relevant rules and regulatory documents.   二、从业机构应自2019年1月1日起通过网络监测平台向中国反洗钱监测分析中心报送大额交易报告和可疑交易报告。金融机构、非银行支付机构按照有关规章和规范性文件的要求直接向中国反洗钱监测分析中心报送大额交易报告和可疑交易报告。
III. After the issuance of the Measures, service providers shall conduct client identification in accordance with the Measures for their new clients. For clients with business relations established before the issuance of the Measures and maintained normally, service providers shall complete the required client identification within two years after the Measures come into force, and if any client identification cannot be completed, shall terminate business relations with the client.   三、对《管理办法》发布后新建立业务关系的客户,从业机构应当按照《管理办法》规定开展客户身份识别工作;对《管理办法》发布前已建立业务关系且业务关系正常存续的客户,从业机构应当在《管理办法》生效实施后的两年内完成规定的客户身份识别工作,无法完成客户身份识别工作的,从业机构应当与其终止业务关系。
IV. The People's Bank of China (“PBC”) and its branch offices and the relevant financial regulatory authorities of the State Council and their local offices shall, in accordance with the Measures, strengthen the supervision of combating money laundering by service providers, actively cooperate in the special campaign against Internet financial risks, and urge service providers to proactively direct their clients to cooperate in the implementation of the Measures, so as to promote the sound and orderly development of the Internet financial market.   四、中国人民银行及其分支机构、国务院有关金融监督管理机构及其派出机构应当根据《管理办法》,加强对从业机构反洗钱监管,积极配合互联网金融风险专项整治工作,督促从业机构积极引导客户配合《管理办法》的实施,促进互联网金融市场健康有序发展。
V. The China Anti-money Laundering Monitoring and Analysis Center shall, before November 30, 2018, publish the elements of reports, formats of reports, and requirements for completing reports of service providers on high-value transactions and suspicious transactions, among others, through the online monitoring platform.   五、中国反洗钱监测分析中心应当在2018年11月30日前通过网络监测平台发布从业机构大额交易报告和可疑交易报告的要素内容、报告格式和填写要求等。
VI. The National Internet Finance Association of China shall actively guide service providers in filing their rules, registering their performance of duties, and submitting reports on high-value transactions and suspicious transactions and other relevant information through the online monitoring platform, and develop and issue industry rules for service providers to combat money laundering and financing of terrorism as required by the Measures in a timely manner.   六、中国互联网金融协会应当积极指导从业机构通过网络监测平台进行制度报备和履职登记、提交大额交易和可疑交易报告等相关信息资料,并按照《管理办法》要求及时制定并发布从业机构反洗钱和反恐怖融资行业规则。
The Shanghai Head Office, all branches and operations offices, and all central sub-branches in capital cities of provinces (autonomous regions) and sub-provincial cities of the PBC, all local banking regulatory offices, all local insurance regulatory offices, and all local offices of the China Securities Regulatory Commission shall forward this Notice to service providers within their respective jurisdictions; and the National Internet Finance Association of China shall publish the Measures on its official website. 请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,以及各银监局、各保监局、各证监局将本通知转发至辖区内从业机构;请中国互联网金融协会通过官方网站发布《管理办法》。
Annex: Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Providers of Internet Financial Services (for Trial Implementation) 附件:互联网金融从业机构反洗钱和反恐怖融资管理办法(试行)
People's Bank of China 

中国人民银行

China Banking and Insurance Regulatory Commission 中国银行保险监督管理委员会
China Securities Regulatory Commission 中国证券监督管理委员会
September 29, 2018 2018年9月29日

Annex: 附件:
Measures for the Administration of Combating Money Laundering and Financing of Terrorism by Providers of Internet Financial Services (for Trial Implementation) 

互联网金融从业机构反洗钱和反恐怖融资管理办法(试行)

Article 1 For the purposes of preventing activities of money laundering and financing of terrorism and regulating the work of combating money laundering and financing of terrorism in the Internet finance industry, these Measures are developed in accordance with the provisions of the Law of the People's Republic of China on the People's Bank of China, the Anti-money Laundering Law of the People's Republic of China, the Counterterrorism Law of the People's Republic of China, the Notice by the General Office of the State Council of Issuing the Implementation Plan for the Special Campaign Against Internet Financial Risks (No. 21 [2016], General Office of the State Council), and the Guiding Opinions of the People's Bank of China, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Finance, the State Administration for Industry and Commerce, the Legal Affairs Office, the China Banking Regulatory Commission, the China Securities Regulatory Commission, the China Insurance Regulatory Commission and the Cyberspace Administration of China on Promoting the Sound Development of Internet Finance (No. 221 [2015], PBC), among others.   第一条 为了预防洗钱和恐怖融资活动,规范互联网金融行业反洗钱和反恐怖融资工作,根据《中华人民共和国中国人民银行法》、《中华人民共和国反洗钱法》、《中华人民共和国反恐怖主义法》、《国务院办公厅关于印发互联网金融风险专项整治工作实施方案的通知》(国办发〔2016〕21号)、《中国人民银行 工业和信息化部 公安部 财政部 工商总局 法制办 银监会 证监会 保监会 国家互联网信息办公室关于促进互联网金融健康发展的指导意见》(银发〔2015〕221号)等规定,制定本办法。
Article 2 These Measures shall apply to the institutions established in the territory of the People's Republic of China with the approval of or upon recordation with the appropriate departments and legally engaging in Internet financial services (hereinafter referred to as the “service providers”).   第二条 本办法适用于在中华人民共和国境内经有权部门批准或者备案设立的,依法经营互联网金融业务的机构(以下简称从业机构)。
...... 互联网金融是利用互联网技术和信息通信技术实现资金融通、支付、投资及信息中介服务的新型金融业务模式。互联网金融业务反洗钱和反恐怖融资工作的具体范围由中国人民银行会同国务院有关金融监督管理机构按照法律规定和监管政策确定、调整并公布,包括但不限于网络支付、网络借贷、网络借贷信息中介、股权众筹融资、互联网基金销售、互联网保险、互联网信托和互联网消费金融等。
 ......

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