| Notice of the General Office of the People's Bank of China on Further Enhancing the Efforts for Combating Money Laundering and Financing of Terrorism | | 中国人民银行办公厅关于进一步加强反洗钱和反恐怖融资工作的通知 |
| (No. 130 [2018] of the General Office of the People's Bank of China) | | （银办发[2018]130号） |
| For the purposes of further implementing the risk-based method, enhancing the efficiency of combating money laundering and financing of terrorism, and preventing the risks of money laundering and financing of terrorism, in accordance with the Anti-Money Laundering Law of the People's Republic of China, the Counterterrorism Law of the People's Republic of China, the Law of the People's Republic of China on the People's Bank of China, and other laws and regulations, you are hereby notified of the relevant matters regarding enhancing the efforts of the obligated institutions for combating money laundering and financing of terrorism as follows: | | 为进一步落实风险为本方法，提高反洗钱和反恐怖融资工作有效性，防范洗钱和恐怖融资风险，根据《中华人民共和国反洗钱法》、《中华人民共和国反恐怖主义法》、《中华人民共和国中国人民银行法》等法律规定，现就加强义务机构反洗钱和反恐怖融资工作有关事项通知如下： |
| I. Strengthening client identification management | | 一、加强客户身份识别管理 |
| 1. Requirements for verification of clients' identity | | （一）客户身份核实要求 |
| When identifying the identity of a client, an obligated institution shall verify the identity of the client through reliable supporting documents, data information and materials with independent sources, understand the purpose and nature of the client's establishment and maintenance of the business relationship, and obtain the relevant information under appropriate circumstances. | | 义务机构在识别客户身份时，应通过可靠和来源独立的证明文件、数据信息和资料核实客户身份，了解客户建立、维持业务关系的目的及性质，并在适当情况下获取相关信息。 |
| In principle, the obligated institution shall, before establishing the business relationship or handling one-off business of a prescribed amount or more, complete the identity verification of the client and its beneficial owner. However, under the circumstance of effective management of risks of money laundering and financing of terrorism, for the purposes of not interrupting normal transactions, identity verification may be completed as soon as possible after the establishment of the business relationship. Before completing the verification of clients' identity, the obligated institution shall establish corresponding risk management mechanisms and procedures, implement effective risk management measures for the business required by clients to be handled, such as limiting the volume, type or amount of transactions, and strengthen transaction monitoring, among others. | | 原则上，义务机构应当在建立业务关系或办理规定金额以上的一次性业务之前，完成客户及其受益所有人的身份核实工作。但在有效管理洗钱和恐怖融资风险的情况下，为不打断正常交易，可以在建立业务关系后尽快完成身份核实。在未完成客户身份核实工作前，义务机构应当建立相应的风险管理机制和程序，对客户要求办理的业务实施有效的风险管理措施，如限制交易数量、类型或金额，加强交易监测等。 |
| For life insurance and property insurance business with investment functions, the obligated institution shall fully consider the risk status of the insurance policy beneficiary and decide whether to conduct strengthened client identification of the insurance policy beneficiary. When an insurance policy beneficiary is not a natural person and has relatively high risk, the obligated institution shall adopt strengthened client identification measures to identify and verify the beneficial owner by reasonable means at least when paying insurance premium. | | 对于寿险和具有投资功能的财产险业务，义务机构应当充分考虑保单受益人的风险状况，决定是否对保单受益人开展强化的客户身份识别。当保单受益人为非自然人且具有较高风险时，义务机构应当采取强化的客户身份识别措施，至少在给付保险金时，通过合理手段识别和核实其受益所有人。 |
| The obligated institution shall adopt continuous client identification measures, examine in detail a client's materials saved and transactions during the existence of the business relationship, update the client's identification documents, data information and materials in a timely manner, and ensure that the current transactions comply with the understanding of the obligated institution on the client and its business, risk status, funding sources and other respects. For high-risk clients, the obligated institution shall increase the frequency and intensity of the examination. | | 义务机构应当采取持续的客户身份识别措施，详细审查保存的客户资料和业务关系存续期间发生的交易，及时更新客户身份证明文件、数据信息和资料，确保当前进行的交易符合义务机构对客户及其业务、风险状况、资金来源等方面的认识。对于高风险客户，义务机构应当提高审查的频率和强度。 |
| If the obligated institution is unable to carry out the client identification work or it is assessed that the risk exceeds the risk management capability of the institution, it shall not establish or maintain business relationship with the client and shall consider filing of a suspicious transaction report. | | 如果义务机构无法进行客户身份识别工作，或经评估超过本机构风险管理能力的，不得与客户建立或维持业务关系，并应当考虑提交可疑交易报告。 |
| 2. Requirements for conducting client identification by relying on third-party institutions | | （二）依托第三方机构开展客户身份识别的要求 |
| An obligated institution carrying out client identification by relying on a third-party institution shall take the following measures: first, confirming that the third-party institution accepts supervision over combating of money laundering and financing of terrorism, and having adopted the measures of client identification and keeping of transaction records according to the anti-money laundering law, administrative regulations, and requirements of this Notice; second, immediately obtaining necessary information on client identification from the third-party institution; and third, immediately obtaining the copies or photocopies of the client identification documents and other relevant materials from a third-party institution, if necessary. The obligated institution shall assume the liability of the third-party institution for failure to perform the obligation of client identification. | | 义务机构依托第三方机构开展客户身份识别的，应当采取以下措施：一是确认第三方机构接受反洗钱和反恐怖融资监管，并按照反洗钱法律、行政法规和本通知要求，采取了客户身份识别及交易记录保存措施；二是立即从第三方机构获取客户身份识别的必要信息；三是在需要时立即从第三方机构获取客户身份证明文件和其他相关资料的复印件或影印件。义务机构应当承担第三方机构未履行客户身份识别义务的责任。 |
| An obligated institution carrying out client identification by relying on an overseas third-party institution shall fully assess the risk status of the country or region where the institution is located, and shall not carry out client identification by relying on any third-party institution from any high-risk country or region. | | 义务机构依托境外第三方机构开展客户身份识别，应当充分评估该机构所在国家或地区的风险状况，不得依托来自高风险国家或地区的第三方机构开展客户身份识别。 |
| II. Strengthening the management of fields with high risks of money laundering or financing of terrorism | | 二、加强洗钱或恐怖融资高风险领域的管理 |
| 1. Requirements for client identification and transaction monitoring in high-risk fields | | （一）高风险领域的客户身份识别和交易监测要求 |
In fields with relatively high risks of money laundering and financing of terrorism, an obligated institution shall adopt client identification and transaction monitoring measures commensurate with the risks, including but not limited to:
．．．．．． | | 在洗钱和恐怖融资风险较高的领域，义务机构应当采取与风险相称的客户身份识别和交易监测措施，包括但不限于：
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