中国人民银行令
〔2006〕第 2 号
根据《中华人民共和国反洗钱法》、《中华人民共和国中国人民银行法》等法律规定，中国人民银行制定了《金融机构大额交易和可疑交易报告管理办法》，经20xx年11月6日第25次行长办公会议通过，现予发布，自20xx年3月1日起施行。
行 长 周小川 二〇〇六年十一月十四日
金融机构大额交易和可疑交易报告管理办法
第一条 为防止利用金融机构进行洗钱活动，规范金融机构大额交易和可疑交易报告行为，根据《中华人民共和国反洗钱法》、《中华人民共和国中国人民银行法》等有关法律、行政法规，制定本办法。
第二条 本办法适用于在中华人民共和国境内依法设立的下列金融机构：
（一）商业银行、城市信用合作社、农村信用合作社、邮政储汇机构、政策性银行。
（二）证券公司、期货经纪公司、基金管理公司。
（三）保险公司、保险资产管理公司。
（四）信托投资公司、金融资产管理公司、财务公司、金融租赁公司、汽车金融公司、货币经纪公司。
（五）中国人民银行确定并公布的其他金融机构。
从事汇兑业务、支付清算业务和基金销售业务的机构报告大额交易和可疑交易适用本办法。
第三条 中国人民银行及其分支机构对金融机构履行大额交易和可疑交易报告的情况进行监督、检查。
第四条 中国人民银行设立中国反洗钱监测分析中心，负责接收人民币、外币大额交易和可疑交易报告。
中国反洗钱监测分析中心发现金融机构报送的大额交易报告或者可疑交易报告有要素不全或者存在错误的，可以向提交报告的金融机构发出补正通知，金融机构应在接到补正通知的5个工作日内补正。
第五条 金融机构应当设立专门的反洗钱岗位，明确专人负责大额交易和可疑交易报告工作。
金融机构应当根据本办法制定大额交易和可疑交易报告内部管理制度和操作规程，并向中国人民银行报备。
金融机构应当对下属分支机构大额交易和可疑交易报告制度的执行情况进行监督管理。
第六条 金融机构及其工作人员应当对报告可疑交易的情况予以保密，不得违反规定向任何单位和个人提供。
第七条 金融机构应当在大额交易发生后的5个工作日内，通过其总部或者由总部指定的一个机构，及时以电子方式向中国反洗钱监测分析中心报送大额交易报告。没有总部或者无法通过总部及总部指定的机构向中国反洗钱监测分析中心报送大额交易的，其报告方式由中国人民银行另行确定。
客户通过在境内金融机构开立的账户或者银行卡所发生的大额交易，由开立账户的金融机构或者发卡银行报告；客户通过境外银行卡所发生的大额交易，由收单行报告；客户不通过账户或者银行卡发生的大额交易，由办理业务的金融机构报告。
第八条 金融机构应当将可疑交易报其总部，由金融机构总部或者由总部指定的一个机构，在可疑交易发生后的10个工作日内以电子方式报送中国反洗钱监测分析中心。没有总部或者无法通过总部及总部指定的机构向中国反洗钱监测分析中心报送可疑交易的，其报告方式由中国人民银行另行确定。
第九条 金融机构应当向中国反洗钱监测分析中心报告下列大额交易：
（一）单笔或者当日累计人民币交易20万元以上或者外币交易等值1万美元以上的现金缴存、现金支取、现金结售汇、现钞兑换、现金汇款、现金票据解付及其他形式的现金收支。
（二）法人、其他组织和个体工商户银行账户之间单笔或者当日累计人民币200万元以上或者外币等值20万美元以上的款项划转。
（三）自然人银行账户之间，以及自然人与法人、其他组织和个体工商户银行账户之间单笔或者当日累计人民币50万元以上或者外币等值10万美元以上的款项划转。
（四）交易一方为自然人、单笔或者当日累计等值1万美元以上的跨境交易。 累计交易金额以单一客户为单位，按资金收入或者付出的情况，单边累计计算并报告，中国人民银行另有规定的除外。
客户与证券公司、期货经纪公司、基金管理公司、保险公司、保险资产管理公司、信托投资公司、金融资产管理公司、财务公司、金融租赁公司、汽车金融公司、货币经纪公司等进行金融交易，通过银行账户划转款项的，由商业银行、城市信用合作社、农村信用合作社、邮政储汇机构、政策性银行按照第一款第（二）、
（三）、（四）项的规定向中国反洗钱监测分析中心提交大额交易报告。 中国人民银行根据需要可以调整第一款规定的大额交易标准。
第十条 对符合下列条件之一的大额交易，如未发现该交易可疑的，金融机构可以不报告：
（一）定期存款到期后，不直接提取或者划转，而是本金或者本金加全部或
者部分利息续存入在同一金融机构开立的同一户名下的另一账户。
活期存款的本金或者本金加全部或者部分利息转为在同一金融机构开立的同一户名下的另一账户内的定期存款。
定期存款的本金或者本金加全部或者部分利息转为在同一金融机构开立的同一户名下的另一账户内的活期存款。
（二）自然人实盘外汇买卖交易过程中不同外币币种间的转换。
（三）交易一方为各级党的机关、国家权力机关、行政机关、司法机关、军事机关、人民政协机关和人民解放军、武警部队，但不含其下属的各类企事业单位。
（四）金融机构同业拆借、在银行间债券市场进行的债券交易。
（五）金融机构在黄金交易所进行的黄金交易。
（六）金融机构内部调拨资金。
（七）国际金融组织和外国政府贷款转贷业务项下的交易。
（八）国际金融组织和外国政府贷款项下的债务掉期交易。
（九）商业银行、城市信用合作社、农村信用合作社、邮政储汇机构、政策性银行发起的税收、错账冲正、利息支付。
（十）中国人民银行确定的其他情形。
第十一条 商业银行、城市信用合作社、农村信用合作社、邮政储汇机构、政策性银行、信托投资公司应当将下列交易或者行为，作为可疑交易进行报告：
（一）短期内资金分散转入、集中转出或者集中转入、分散转出，与客户身份、财务状况、经营业务明显不符。
（二）短期内相同收付款人之间频繁发生资金收付，且交易金额接近大额交易标准。
（三）法人、其他组织和个体工商户短期内频繁收取与其经营业务明显无关的汇款，或者自然人客户短期内频繁收取法人、其他组织的汇款。
（四）长期闲置的账户原因不明地突然启用或者平常资金流量小的账户突然有异常资金流入，且短期内出现大量资金收付。
（五）与来自于贩毒、走私、恐怖活动、赌博严重地区或者避税型离岸金融中心的客户之间的资金往来活动在短期内明显增多，或者频繁发生大量资金收付。
（六）没有正常原因的多头开户、销户，且销户前发生大量资金收付。
（七）提前偿还贷款，与其财务状况明显不符。
（八）客户用于境外投资的购汇人民币资金大部分为现金或者从非同名银行账户转入。
（九）客户要求进行本外币间的掉期业务，而其资金的来源和用途可疑。
（十）客户经常存入境外开立的旅行支票或者外币汇票存款，与其经营状况不符。
（十一）外商投资企业以外币现金方式进行投资或者在收到投资款后，在短期内将资金迅速转到境外，与其生产经营支付需求不符。
（十二）外商投资企业外方投入资本金数额超过批准金额或者借入的直接外债，从无关联企业的第三国汇入。
（十三）证券经营机构指令银行划出与证券交易、清算无关的资金，与其实际经营情况不符。
（十四）证券经营机构通过银行频繁大量拆借外汇资金。
（十五）保险机构通过银行频繁大量对同一家投保人发生赔付或者办理退保。 （十六）自然人银行账户频繁进行现金收付且情形可疑，或者一次性大额存取现金且情形可疑。
（十七）居民自然人频繁收到境外汇入的外汇后，要求银行开具旅行支票、汇票或者非居民自然人频繁存入外币现钞并要求银行开具旅行支票、汇票带出或者频繁订购、兑现大量旅行支票、汇票。
（十八）多个境内居民接受一个离岸账户汇款，其资金的划转和结汇均由一
人或者少数人操作。
第十二条 证券公司、期货经纪公司、基金管理公司应当将下列交易或者行为，作为可疑交易进行报告：
（一）客户资金账户原因不明地频繁出现接近于大额现金交易标准的现金收付，明显逃避大额现金交易监测。
（二）没有交易或者交易量较小的客户，要求将大量资金划转到他人账户，且没有明显的交易目的或者用途。
（三）客户的证券账户长期闲置不用，而资金账户却频繁发生大额资金收付。
（四）长期闲置的账户原因不明地突然启用，并在短期内发生大量证券交易。
（五）与洗钱高风险国家和地区有业务联系。
（六）开户后短期内大量买卖证券，然后迅速销户。
（七）客户长期不进行或者少量进行期货交易，其资金账户却发生大量的资金收付。
（八）长期不进行期货交易的客户突然在短期内原因不明地频繁进行期货交易，而且资金量巨大。
（九）客户频繁地以同一种期货合约为标的，在以一价位开仓的同时在相同或者大致相同价位、等量或者接近等量反向开仓后平仓出局，支取资金。
（十）客户作为期货交易的卖方以进口货物进行交割时，不能提供完整的报关单证、完税凭证，或者提供伪造、变造的报关单证、完税凭证。
（十一）客户要求基金份额非交易过户且不能提供合法证明文件。 （十二）客户频繁办理基金份额的转托管且无合理理由。
（十三）客户要求变更其信息资料但提供的相关文件资料有伪造、变造嫌疑。 第十三条 保险公司应当将下列交易或者行为，作为可疑交易进行报告：
（一）短期内分散投保、集中退保或者集中投保、分散退保且不能合理解释。
（二）频繁投保、退保、变换险种或者保险金额。
（三）对保险公司的审计、核保、理赔、给付、退保规定异常关注，而不关注保险产品的保障功能和投资收益。
（四）犹豫期退保时称大额#5@p丢失的，或者同一投保人短期内多次退保遗失#5@p总额达到大额的。
（五）发现所获得的有关投保人、被保险人和受益人的姓名、名称、住所、联系方式或者财务状况等信息不真实的。
（六）购买的保险产品与其所表述的需求明显不符，经金融机构及其工作人员解释后，仍坚持购买的。
（七）以趸交方式购买大额保单，与其经济状况不符的。
（八）大额保费保单犹豫期退保、保险合同生效日后短期内退保或者提取现金价值，并要求退保金转入第三方账户或者非缴费账户的。
（九）不关注退保可能带来的较大金钱损失，而坚决要求退保，且不能合理解释退保原因的。
（十）明显超额支付当期应缴保险费并随即要求返还超出部分。 （十一）保险经纪人代付保费，但无法说明资金来源。
（十二）法人、其他组织坚持要求以现金或者转入非缴费账户方式退还保费，且不能合理解释原因的。
（十三）法人、其他组织首期保费或者趸交保费从非本单位账户支付或者从境外银行账户支付。
（十四）通过第三人支付自然人保险费，而不能合理解释第三人与投保人、被保险人和受益人关系的。
（十五）与洗钱高风险国家和地区有业务联系的。
（十六）没有合理的原因，投保人坚持要求用现金投保、赔偿、给付保险金、退还保险费和保单现金价值以及支付其他资金数额较大的。
（十七）保险公司支付赔偿金、给付保险金时，客户要求将资金汇往被保险
人、受益人以外的第三人；或者客户要求将退还的保险费和保单现金价值汇往投保人以外的其他人。
第十四条 除本办法第十一、十二、十三条规定的情形外，金融机构及其工作人员发现其他交易的金额、频率、流向、性质等有异常情形，经分析认为涉嫌洗钱的，应当向中国反洗钱监测分析中心提交可疑交易报告。
第十五条 金融机构对按照本办法向中国反洗钱监测分析中心提交的所有可疑交易报告涉及的交易，应当进行分析、识别，有合理理由认为该交易或者客户与洗钱、恐怖主义活动及其他违法犯罪活动有关的，应当同时报告中国人民银行当地分支机构，并配合中国人民银行的反洗钱行政调查工作。
第十六条 对既属于大额交易又属于可疑交易的交易，金融机构应当分别提交大额交易报告和可疑交易报告。
交易同时符合两项以上大额交易标准的，金融机构应当分别提交大额交易报告。
第十七条 金融机构应当按照本办法所附的大额交易和可疑交易报告要素要求（要素内容见附表），提供真实、完整、准确的交易信息，制作大额交易报告和可疑交易报告的电子文件。具体的报告格式和填报要求由中国人民银行另行规定。
第十八条 金融机构违反本办法的，由中国人民银行按照《中华人民共和国反洗钱法》第三十一条、第三十二条的规定予以处罚；区别不同情形，建议中国银行业监督管理委员会、中国证券监督管理委员会或者中国保险监督管理委员会采取下列措施：
（一）责令金融机构停业整顿或者吊销其经营许可证。
（二）取消金融机构直接负责的董事、高级管理人员和其他直接责任人员的任职资格、禁止其从事有关金融行业工作。
（三）责令金融机构对直接负责的董事、高级管理人员和其他直接责任人员
给予纪律处分。
中国人民银行县（市）支行发现金融机构违反本办法的，应报告其上一级分支机构，由该分支机构按照前款规定进行处罚或提出建议。
第十九条 中国人民银行和其地市中心支行以上分支机构对金融机构违反本办法的行为给予行政处罚的，应当遵守《中国人民银行行政处罚程序规定》的有关规定。
第二十条 本办法下列用语的含义如下：
“短期”系指10个工作日以内，含10个工作日。
“长期”系指1年以上。
“大量”系指交易金额单笔或者累计低于但接近大额交易标准的。
“频繁”系指交易行为营业日每天发生3次以上，或者营业日每天发生持续3天以上。
“以上”，包括本数。
第二十一条 本办法自20xx年3月1日起施行。20xx年1月3日中国人民银行发布的《人民币大额和可疑支付交易报告管理办法》（中国人民银行令〔2003〕第2号）和《金融机构大额和可疑外汇资金交易报告管理办法》（中国人民银行令〔2003〕第3号）同时废止。
附表：金融机构大额交易和可疑交易报告要素内容
第二篇：金融机构大额交易和可疑交易报告管理办法-en
Order of the People's Bank of China
No. 2
The Measures for the Administration on Financial Institutions' Reports of Large-sum Transactions and
Doubtful Transactions, which was instituted by the People's Bank of China according to the provisions of the Anti-money Laundering Law of the People's Republic of China, the Law of the People's Republic of China and other laws , and was adopted at the 25th executive meeting the president of the People's Bank of China on November 6, 2006, is hereby promulgated and shall come into force as of March 1, 2007.
President of the People's Bank of China, Zhou Xiaochuan
November 14, 2006
Measures for the Administration on Financial
Institutions' Reports of Large-sum Transactions and
Doubtful Transactions
Article 1 For the purpose of preventing money-laundering through financial institutions and regulating the reporting acts of financial institutions of large-sum transactions and doubtful transactions, the present
Measures are instituted according to the Anti-money Laundering Law of the People's Republic of China, the Law of the People's Republic of China and other laws and administrative regulations.
Article 2 These Measures shall be applicable to the following financial institutions set up within the territory of the People's Republic of China under law,
(1) commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings institutions, policy banks;
(2) securities companies, futures brokerage companies, fund management companies;
(3) insurance companies, insurance asset management companies;
(4) trust & investment companies, financial asset management companies, finance companies, financial leasing companies, auto financing companies, currency brokerage companies; and
(5) other financial institutions determined and announced by the People's Bank of China.
The institutions undertaking foreign exchange, payment and settlement businesses and sale of funds shall be subject to the present Provisions in respect of the anti-money laundering supervision and administration through financial institutions.
Article 3 The People's Bank of China and its branch institutions shall supervise and inspect the financial institutions' report of large-sum transactions and doubtful transactions.
Article 4 The People's Bank of China shall set up China Anti-money Laundering Monitoring and Analyzing Center (hereinafter referred to as CALMAC), which shall be responsible for receiving reports of large-sum transactions and doubtful transactions in RMB and in foreign currencies.
Where the CALMAC finds that the basic content of a financial institution's report of large-sum transaction or doubtful transaction is not complete or there is any error in the report, it may issue to the reporting financial institution a notice on supplement or correction. The financial institution shall make supplement or correction within 5 working days as of the receipt of the notice on supplement or correction.
Article 5 Financial institutions shall establish special anti-money laundering posts and designate special staff members to be responsible for reporting large-sum transactions and doubtful transactions.Financial institution shall, according to the present Measures, work out internal management rules and
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operating procedures for the report of large-sum transactions and doubtful transactions, and submit them to the People's Bank of China for archival purposes.
Financial institutions shall supervise and administer the implementation of the reporting system on large-sum transactions and doubtful transactions of its underling branches.
Article 6 Financial institutions and their staff members shall keep confidential the information on the report of doubtful transactions, and may not violate the relevant provisions to provide such information to any entity or individual.
Article 7 Financial institutions shall, within 5 working days as of the occurrence of a large-sum transaction, timely send to the CALMAC an electronic report on the large-sum transaction via their headquarters or via an institution designated by their headquarters. If they has no headquarters, or if it is unable to send the report of large-sum transaction to the CALMAC via their headquarters or via the institution designated by their headquarters, its way of reporting may be determined by the People's Bank of China separately.
As for a large-sum transaction conducted through a client's account or bank card opened in or issued by a financial institution within China, the account opening or card issuing financial institution shall submit a report. As for a large-sum transaction conducted through an overseas bank card, the receiving bank shall submit a report. As for a large-sum transaction that is not conducted through a client's account or bank card, the financial institution that which has handled the business shall submit a report.
Article 8 Financial institutions shall submit any doubtful transaction to their headquarters, which or whose designated institutions shall send an electronic report to the CALMAC within 10 working days as of the occurrence of the foresaid doubtful transaction. If a financial institution has no headquarters, or is unable to send the report of the doubtful transaction to the CALMAC via its headquarters or via the institution designated by its headquarters, the way of report may be determined by the People's Bank of China separately.
Article 9 Financial institutions shall report the following large-sum transactions to the CALMAC,
(1) Cash deposit, cash drawing, foreign exchange settlement or sale in cash, banknote exchange, cash remittance, payment of cash bills and other cash incomes and expenses in other forms with a single
transaction or the total of RMB transaction (s) or foreign currency transaction(s) on the current day up to RMB 200, 000 Yuan or more, or the equivalent value of USD 10, 000 or more;
(2) Funds transfer between the bank account of a legal person, any other organization and individual
commercial household with a single transfer or an accumulative total on the current day up to RMB 2 million Yuan or more, or the equivalent value of USD 200, 000 or more
(3) Funds transfer between the bank accounts of natural persons, or between the bank account of natural person and the bank account of a legal person, any other organization or individual commercial household with a single transfer or a accumulative total on the current day up to RMB 500, 000 Yuan or more, or the
(4) Transnational transaction with a single transaction or an accumulative total on the current day up to the equivalent value of USD 100, 000 or more;equivalent value of USD 10, 000 or more, to which one of the parties concerned is a natural person.The accumulative amount of transactions shall be calculated for each client, of which the receipts and payments of money shall be calculated accumulatively unilaterally and be reported, unless it is otherwise provided for by the People's Bank of China.
As for financial transactions between a client and a securities company, futures brokerage company, fund management company, insurance company, insurance asset management company, trust & investment
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company, financial asset management company, finance company, auto financing company or currency brokerage company, if the money is transferred between the bank accounts, the commercial banks, urban
credit cooperatives, rural credit cooperatives, postal savings institutions or policy banks shall, in light of Items
(1) through (4) of Paragraph 1, submit to the CALMAC reports of large-sum transaction.
If necessary, the People's Bank of China may adjust the criterion on large-sum transaction as prescribed in Paragraph 1.
Article 10 As for a large-sum transaction under any of the following circumstances, the financial institution may not make a report if it does not find anything doubtful:
(1) After a time deposit is due, it is not directly drawn or transferred, but the principal or the principal plus all or part of the interests thereof is deposited in a different account set up with the same account name in the same financial institution.
The principal or the principal plus all or part of the interests thereof of a demand deposit is changed into a time deposit in a different account opened with the same account name in the same financial institution.The principal or the principal plus all or part of the interests thereof of a time deposit is changed into a demand deposit in a different account opened with the same account name in the same financial institution.
(2) The conversion between different foreign currencies during the course of a firm foreign exchange transaction of a natural person;
(3) Any large-sum transaction, to which any of the Party organs at various levels, organs of state power, administrative organs, judicial organs and military organs, organs of Chinese People's Political Consultative Conference, the National Committee of the CPPCC or CPPCC local committees, excluding any enterprise or institution subordinate to any of them, is one party of the transaction.
(4) Loans among the financial institutions or bond transactions conducted in the inter-bank bond market;
(5) Gold transactions conducted by a financial institution in a Gold Exchange;
(6) Funds appropriation within a financial institution;
(7) Transactions under the on-lending business of a loan granted by an international financial organization or by a foreign government;
(8) Debt swap transactions under a loan granted by an international financial organization or by a foreign government;
(9) Tax collection, correction of wrong accounts or payment of interests initiated by commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings institutions or policy banks; and
(10) Other circumstances as determined by the People's Bank of China.
Article 11 Commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings institutions, policy banks or trust & investment companies shall report any of the following transactions or activities as a doubtful transaction,
(1) The dispersive inward transfer and concentrative outward transfer, or the concentrative inward transfer
and dispersive outward transfer of funds within a short term, which is obviously inconsistent with the identity, finance status or business of the client;
(2) Frequent receipts and payments of funds between the same recipient and payer within a short term, with the transaction amounts adjacent to the large-sum criterions;
(3) Frequent receipts of remittances within a short term that are obviously irrelevant to the business of a legal person, organization or individual industrial and commercial household, or a natural-person client's frequent receipt of remittances from a legal person or an organization within a short term.
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(4) Any account unused for a long time is unexpectedly used for unclear reasons, or any account, in which the flow of funds is small usually, suddenly has abnormal funds flowing into, and there are a large number of fund receipts and payments within a short term.
(5) Obvious increase of capital transfers with the clients in areas with serious drug trafficking, smuggling, terrorist activities, gambling or in off-shore financial centers for tax avoidance, accompanied by frequent fund payments within a short term.
(6) Frequent opening and cancellation of accounts without any normal reason, with a large number of fund receipts and payments occurring before the cancellation of accounts.
(7) Repayment of any loan ahead of schedule, which is obviously inconsistent with the client's finance status.
(8) The large amount of RMB funds of a client for the purchase of foreign currencies for making investment abroad is cashed or transferred from any bank account with a different name;
(9) A client requests for a swap business between the home currency and a foreign currency, but the source and purpose of its funds are doubtful.
(10) A client frequently deposits traveler's checks opened abroad or drafts in a foreign-currency, which is inconsistent with its business operation status.
(11) After a foreign-funded enterprise makes investment in the form of foreign currency cash or receives the investment fund, it transfers the fund abroad rapidly, which is inconsistent with the payment requirements for its production and business operation.
(12) The amount of capital contribution made by the foreign party of any foreign-funded enterprise, which exceeds the approved amount or direct foreign debt, is remitted from a third country in which it has no connected enterprise.
(13) A securities operation institution dictates a bank to transfer out any fund irrelevant to the transaction or settlement of securities, which is inconsistent with its actual business operation status.
(14) A securities operation institution frequently borrows abundant foreign exchange funds through a bank.
(15) An insurance institution frequently makes compensations or refunds insurance premiums to a same insurant through a bank.
(16) A natural person frequently conducts cash receipts and payments in a bank account, which is doubtful, or deposits or draws lump-sum cash in one time, which is doubtful.
(17) After a resident natural person frequently receives any foreign exchange remittance from abroad, he requires the bank to issue traveler's checks or drafts; or non-resident natural person frequently deposits any foreign currency cash and requires the bank to issue traveler's checks or drafts so as to carry it abroad or frequently orders or cashes large quantities of traveler's checks or drafts.
(18) Several domestic residents receive the remittances from a same off-shore account and the transfer of funds and settlement of foreign exchange are operated by one person or few persons.
Article 12 Securities companies, futures brokerage companies or fund management companies shall report any of the following transactions or activities as a doubtful transaction:
(1) Cash receipts and payments with the transaction amounts adjacent to large-sum criterions without any clear reason frequently occurring in a client's funds account within a short term, which obviously avoid the monitoring of large-sum transactions in cash.
(2) Any client, who has no transaction or has a small volume of transaction, requests for transferring a large sum of funds into the account of others without any obvious transaction aim or purpose.
(3) The securities account of a client is left unused for a long time, but there occur frequent receipts and
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payments of funds in capital account of the client.
(4) An account left unused for a long time is unexpectedly used for unclear reasons and there occur a large number of securities transactions within a short term.
(5) Having business connections with any country or region with high risk of money laundering.
(6) After an account is opened, there are a large number of purchases and sales of securities and then the account is canceled rapidly.
(7) A client conducts no or few futures transactions for a long time, but there occur a large number of receipts and payments of funds in its (his) fund account.
(8) A client conducts no futures transaction for a long time, but unexpectedly and frequently carries through futures transactions of huge amount for unclear reasons within a short term.
(9) A client frequently draws money by using a same type of futures contracts as subject matters, opening its position at a price and simultaneously opening a reverse position of the identical number or almost the same number at a similar price, then closing the position.
(10) When any client, as the seller of a futures transaction, delivers any imported goods, it fails to provide a complete set of customs declaration documents, tax payment vouchers, or it provides any counterfeit or altered customs declaration document or tax payment voucher.
(11) A client requests for transferring its fund shares to any other person for any reason rather than transaction but can not provide any lawful certification document.
(12) A client frequently transacts the depository trust of its fund shares without any justifiable reason.
(13) A client requests for changing its information materials, but the relevant documents and materials it provided are doubtful to be counterfeited or altered.
Article 13 Insurance companies shall report any of the following transactions or activities as a doubtful transaction,
(1) Dispersive purchase of insurances and concentrative withdrawal of insurances or concentrative purchase of insurances and dispersive withdrawal of insurances without any reasonable explanation.
(2) Frequent purchase or withdrawal of insurances, or frequent alteration of insurance type or amount.
(3) Paying abnormal attention to the provisions on the audit, insurance underwriting, claim settlement, payment and withdrawal of insurance of insurance companies instead of to the guarantee functions and investment returns of the insurance products.
(4) The loss of a large-sum invoice is declared when insurance is withdrawn within the hesitation period, or a same insurant withdraws several insurances within a short term and the total amount on the invoices lost reaches a large-sum criterion.
(5) It is found that the names, addresses, contact ways or financial status of the insurant, the insured or beneficiary are not genuine.
(6) Any insurance product does not conform to the requirements as expressed, but the policy-holder still insists on purchasing it after an explanation is made by the financial institution and its staff members.
(7) The purchase of any large-sum insurance on a lump-sum payment basis is inconsistent with the economic status of the insurant.
(8) Any large-sum guarantee slip is withdrawn within the hesitation period, or any insurance is withdrawn or the cash value is drawn within a short term after the date of the effectiveness of the insurance contract, and the premium refund is transferred upon direction into the account of a third party or into a non-premium payment account.
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(9) A insurant does not care the relatively large monetary loss that may be brought about by withdrawing the insurance instead of withdrawing the insurance, and fails to make reasonable explanations for the withdrawal of insurance.
(10) Making a payment obviously in excess of the premiums payable in the current period and immediately requesting for refund of the excessive part.
(11) An insurance broker pays any insurance premium on behalf of others but can not account for the source of fund.
(12) A legal person or any other organization insists on any premium refund in cash or transferring any premium refund into a non-premium payment account, and fails to make any reasonable explanation.
(13) A legal person or any other organization makes a down payment of insurance premium or makes a lump-sum insurance premium from the account of others or from an overseas bank account.
(14) Making payments for the insurance premium of any natural person through a third party, but failing to make any reasonable explanation on the relationship between the third party and the insurant as well as the relationship between the insured and the beneficiary.
(15) Having business connections with any country or region with high risk of money laundering.
(16) Without any justifiable reason, the insurant persists in the purchase of insurance, compensation, payment of insurance money, refund of insurance premium or cash surrender value or payment of any other large sum of money in cash.
(17) When an insurance company pays compensation or insurance money, the client requests for remitting the money to a third party other than the insured or the beneficiary; or the client requests for remitting any insurance premium refunded or cash surrender value to any person other than the insurant.
Article 14 Besides the circumstances as prescribed in Articles 11 to 13 of the present Measures, if a financial institution or any of its staff members finds that the amount, frequency, direction or nature of any other
transaction is abnormal and considers that the transaction is suspected of being involved in money laundering upon analysis, it shall submit to the CALMAC a report of doubtful transaction.
Article 15 Financial institutions shall analyze and identify all transactions involved in doubtful transaction reports that are submitted to the CALMAC according to the present Measures. If it has rational reasons to consider that any of the aforesaid transactions or any client is related to money laundering, terrorist activity or any other illegal activity or crime, it shall simultaneously report to the local branch institution of the People's Bank of China and assist the People's Bank of China in the administrative investigation work of anti-money laundering.
Article 16 As for a transaction falling into both the category of large-sum transactions and the category of doubtful transactions, the financial institution shall respectively submit a report of large-sum transaction and a report of doubtful transaction.
Where a transaction simultaneously satisfies two or more criterions for large-sum transactions, the financial institution shall submit different reports of large-sum transaction.
Article 17 Financial institutions shall, in light of the basic requirements for the essentials of reports of large-sum transactions and doubtful transactions which is attached to the present Measures (for details of the basic contents, please see the Appendix) provide genuine, complete and accurate transaction information and make electronic documents on reports of large-sum transactions and reports of doubtful transactions. The concrete formats of the reports and filling requirements shall be separately instituted by the People's Bank of China.Article 18 Where a financial institution violates the present Measures, the People's Bank of China shall
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punish it according to Articles 31 and 32 of the Anti-money Laundering Law of the People's Republic of China, and shall, in light of the actual circumstance, suggest that the CBRC, CSRC or CIRC take the following measures:
(1) charging the financial institution to stop business operation for rectification, or to revoke its business license;
(2) disqualifying the directly liable directors, senior managers and other directly liable persons from assuming their respective positions, or prohibiting them from working in the financial sector.
(3) charging the financial institutions to give disciplinary sanctions to the directly liable directors, senior managers and other directly liable persons.
Where a sub-branch of a county (prefecture) of the People's Bank of China finds any financial institution
which violates the present Measures, it shall report it to the branch institution of the People's Bank of China at the next higher level, which shall punish the violator or advance suggestions according to the preceding Paragraph.
Article 19 Where the People's Bank of China or any of its branch institutions or sub-branches at the
prefecture level or above, is to give an administrative punishment to a financial institution which violates the present Provisions, it shall accord with the Procedural Provisions of the People's Bank of China on Administrative Punishments.
Article 20 The following terms as mentioned in the present Measures shall refer to:
The term"short term" refers to a period of 10 working days or less.
The term "Long term" refers to a period of 1 year or more.
The term "a large number of" means that the amount of a single transaction or the accumulative amount of transactions is less than but adjacent to the criterions for large-sum transactions.
The term "frequent" means that 3 or more transactions are conducted on a single business day or a transaction is conducted each day but lasts for 3 business days or more.
Article 21 The present Measures shall come into force as of March 1, 2007. The Measures for the
Administration on Reporting Large and Doubtful Payment Transactions in Renminbi (Order [2003] No. 2 of the People's Bank of China) and the Measures for the Administration on Reports of Financial Institutions concerning Large-Sum and Doubtful Foreign Exchange Transactions (Order [2003] No. 3 of the People's Bank of China), which were promulgated by the People's Bank of China on January 3, 2003, shall be nullified simultaneously.
Appendix: Basic Contents of Financial Institutions' Reports of Large-sum Transactions and Doubtful Transactions (Omitted)
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