中华人民共和国反洗钱法（英文版） .doc

¡¾Statute Title¡¿Law of the People's Republic of China on Anti-money LaunderingÏÖÐÐÓÐЧ ¡¾·¨¹æ±êÌâ¡¿ÖлªÈËÃñ¹²ºÍ¹ú·´Ï´Ç®·¨ EffectivePromulgation date:10-31-2006Effective date:01-01-2007Department:Standing Committee of the National People's CongressSubject:Banking & Finance,Government Affairs ·¢²¼ÈÕÆÚ£º2006-10-31ÉúЧÈÕÆÚ£º2007-01-01·¢²¼²¿ÃÅ£ºÈ«¹úÈË´ó³£Î¯»áÀà±ð£º½ðÈÚ£¬»ú¹Ø¹¤×÷    Order of the President(No. 56)The Law of the People¡¯s Republic of China on Anti-money Laundering, which was adopted at the 24th meeting of the Standing Committee of the 10th National People¡¯s Congress of the People¡¯s Republic of China, is hereby promulgated and shall come into force on January 1, 2007.President of the People¡¯s Republic of China Hu JingtaoOctober 31, 2006Law of the People¡¯s Republic of China on Anti-money Laundering(Adopted at the 24th meeting of the Standing Committee of the 10th National People¡¯s Congress)ÖлªÈËÃñ¹²ºÍ¹úÖ÷ϯÁµÚ56ºÅ£©£¨Ïà¹Ø×ÊÁÏ: ·¨ÂÉ2ƪ ÐÐÕþ·¨¹æ1ƪ ²¿ÃŹæÕÂ30ƪ ÆäËû¹æ·¶ÐÔÎļþ5ƪ µØ·½·¨¹æ42ƪ Ïà¹ØÂÛÎÄ16ƪ£©¡¡¡¡¡¶ÖлªÈËÃñ¹²ºÍ¹ú·´Ï´Ç®·¨¡·ÒÑÓÉÖлªÈËÃñ¹²ºÍ¹úµÚÊ®½ìÈ«¹úÈËÃñ´ú±í´ó»á³£ÎñίԱ»áµÚ¶þÊ®ËĴλáÒéÓÚ£²£°£°£¶Ä꣱£°Ô£³£±ÈÕͨ¹ý£¬ÏÖÓ蹫²¼£¬×Ô£²£°£°£·Ä꣱Ô£±ÈÕÆðÊ©ÐС£ ÖлªÈËÃñ¹²ºÍ¹úÖ÷ϯ¡¡ºú½õÌÎ £²£°£°£¶Ä꣱£°Ô£³£±ÈÕÖлªÈËÃñ¹²ºÍ¹ú·´Ï´Ç®·¨ £¨2006Äê10ÔÂ31ÈÕµÚÊ®½ìÈ«¹úÈËÃñ´ú±í´ó»á³£ÎñίԱ»áµÚ¶þÊ®ËĴλáÒéͨ¹ý£©Table of ContentsChapter I General ProvisionsChapter II Anti-money Laundering Supervision and AdministrationChapter III Anti-money Laundering Obligations of Financial InstitutionsChapter IV Anti-money Laundering InvestigationChapter V International Anti-money Laundering CooperationChapter VI Legal LiabilitiesChapter VII Supplementary ProvisionsÄ¿¡¡Â¼ ¡¡¡¡µÚÒ»Õ¡¡×Ü¡¡Ôò ¡¡¡¡µÚ¶þÕ¡¡·´Ï´Ç®¼à¶½¹ÜÀí ¡¡¡¡µÚÈýÕ¡¡½ðÈÚ»ú¹¹·´Ï´Ç®ÒåÎñ ¡¡¡¡µÚËÄÕ¡¡·´Ï´Ç®µ÷²é ¡¡¡¡µÚÎåÕ¡¡·´Ï´Ç®¹ú¼ÊºÏ×÷ ¡¡¡¡µÚÁùÕ¡¡·¨ÂÉÔðÈÎ ¡¡¡¡µÚÆßÕ¡¡¸½¡¡Ôò ¡¡¡¡ Chapter I General ProvisionsµÚÒ»Õ¡¡×Ü¡¡Ôò Article 1 The present Law is formulated for the purpose of preventing money-laundering, safeguarding the financial order and cracking down on the crime of money-laundering as well as other relevant crimes.¡¡¡¡µÚÒ»Ìõ¡¡ÎªÁËÔ¤·ÀÏ´Ç®»î¶¯£¬Î¬»¤½ðÈÚÖÈÐò£¬¶ôÖÆÏ´Ç®·¸×ï¼°Ïà¹Ø·¸×Öƶ¨±¾·¨¡£ £¨Ïà¹Ø×ÊÁÏ: Ïà¹ØÂÛÎÄ1ƪ£©Article 2 The term "anti-money laundering" as mentioned in the present Law refers to an act of adopting the relevant measures according to the provisions of the present Law to prevent any money laundering activity for the purpose of concealing or disguising, by all means, the sources and nature of criminal proceeds generated from any drug-related crime, organizational crime of any gangland, terrorist crime, crime of smuggling, crime of corruption or bribery, crime of disrupting the financial management order, crime of financial fraud, etc.¡¡¡¡µÚ¶þÌõ¡¡±¾·¨Ëù³Æ·´Ï´Ç®£¬ÊÇָΪÁËÔ¤·Àͨ¹ý¸÷ÖÖ·½Ê½ÑÚÊΡ¢ÒþÂ÷¶¾Æ··¸×ï¡¢ºÚÉç»áÐÔÖʵÄ×éÖ¯·¸×ï¡¢¿Ö²À»î¶¯·¸×ï¡¢×ß˽·¸×̰Îۻ߸·¸×ï¡¢ÆÆ»µ½ðÈÚ¹ÜÀíÖÈÐò·¸×ï¡¢½ðÈÚÕ©Æ·¸×ïµÈ·¸×ïËùµÃ¼°ÆäÊÕÒæµÄÀ´Ô´ºÍÐÔÖʵÄÏ´Ç®»î¶¯£¬ÒÀÕÕ±¾·¨¹æ¶¨²ÉÈ¡Ïà¹Ø´ëÊ©µÄÐÐΪ¡£ £¨Ïà¹Ø×ÊÁÏ: Ïà¹ØÂÛÎÄ2ƪ£©Article 3 A financial institution as established within the territory of the People¡¯s Republic of China or a special non-financial institution that shall perform the obligation of anti-money laundering shall adopt relevant measures for prevention and supervision according to law, establish and improve a clients¡¯ identity identification system, a preservation system of clients¡¯ identity materials and transactional records, a reporting system of large sum transactions and doubtful transactions, and perform its anti-money laundering obligations.¡¡¡¡µÚÈýÌõ¡¡ÔÚÖлªÈËÃñ¹²ºÍ¹ú¾³ÄÚÉèÁ¢µÄ½ðÈÚ»ú¹¹ºÍ°´Õչ涨Ӧµ±ÂÄÐз´Ï´Ç®ÒåÎñµÄÌض¨·Ç½ðÈÚ»ú¹¹£¬Ó¦µ±ÒÀ·¨²ÉÈ¡Ô¤·À¡¢¼à¿Ø´ëÊ©£¬½¨Á¢½¡È«¿Í»§Éí·Ýʶ±ðÖƶȡ¢¿Í»§Éí·Ý×ÊÁϺͽ»Ò׼Ǽ±£´æÖƶȡ¢´ó¶î½»Ò׺ͿÉÒɽ»Ò×±¨¸æÖƶȣ¬ÂÄÐз´Ï´Ç®ÒåÎñ¡£ £¨Ïà¹Ø×ÊÁÏ: Ïà¹ØÂÛÎÄ2ƪ£©Article 4 The administrative department of anti-money laundering of the State Council shall take charge of the anti-money laundering supervision and administration throughout the country. The relevant departments and organs under the State Council shall, within their respective scope of functions and duties, perform their obligations of anti-money laundering supervision and administration.The administrative department of anti-money laundering of the State Council, the relevant departments and organs under the State Council and the judicial organs shall coordinate with each other in their anti-money laundering work.¡¡¡¡µÚËÄÌõ¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃŸºÔðÈ«¹úµÄ·´Ï´Ç®¼à¶½¹ÜÀí¹¤×÷¡£¹úÎñÔºÓйز¿ÃÅ¡¢»ú¹¹ÔÚ¸÷×ÔµÄÖ°Ôð·¶Î§ÄÚÂÄÐз´Ï´Ç®¼à¶½¹ÜÀíÖ°Ôð¡£ ¡¡¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅ¡¢¹úÎñÔºÓйز¿ÃÅ¡¢»ú¹¹ºÍ˾·¨»ú¹ØÔÚ·´Ï´Ç®¹¤×÷ÖÐÓ¦µ±Ï໥ÅäºÏ¡£ Article 5 Any client¡¯s identity material or transactional information as acquired in the performance of the duties and functions of anti-money laundering according to law shall be kept confidential. None of the aforesaid information may be provided to any entity or individual in the absence of relevant provisions of law.The clients¡¯ identity materials and transactional information as acquired by the administrative department of anti-money laundering or any other department or organ bearing the obligation of anti-money laundering supervision and administration according to law in the process of performing their anti-money laundering functions and duties shall only be used in the administrative anti-money laundering investigation.The clients¡¯ identity materials and transactional information as acquired by the judicial organ according to the present Law shall only be used in the criminal litigation on anti-money laundering.¡¡¡¡µÚÎåÌõ¡¡¶ÔÒÀ·¨ÂÄÐз´Ï´Ç®Ö°Ôð»òÕßÒåÎñ»ñµÃµÄ¿Í»§Éí·Ý×ÊÁϺͽ»Ò×ÐÅÏ¢£¬Ó¦µ±ÓèÒÔ±£ÃÜ£»·ÇÒÀ·¨Âɹ涨£¬²»µÃÏòÈκε¥Î»ºÍ¸öÈËÌṩ¡£ ¡¡¡¡·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃźÍÆäËûÒÀ·¨¸ºÓз´Ï´Ç®¼à¶½¹ÜÀíÖ°ÔðµÄ²¿ÃÅ¡¢»ú¹¹ÂÄÐз´Ï´Ç®Ö°Ôð»ñµÃµÄ¿Í»§Éí·Ý×ÊÁϺͽ»Ò×ÐÅÏ¢£¬Ö»ÄÜÓÃÓÚ·´Ï´Ç®ÐÐÕþµ÷²é¡£ ¡¡¡¡Ë¾·¨»ú¹ØÒÀÕÕ±¾·¨»ñµÃµÄ¿Í»§Éí·Ý×ÊÁϺͽ»Ò×ÐÅÏ¢£¬Ö»ÄÜÓÃÓÚ·´Ï´Ç®ÐÌÊÂËßËÏ¡£ Article 6 Where any organ or functionary bearing the anti-money laundering obligation submits a report on large sum transaction or doubtful transaction according to law, it shall be protected by law.¡¡¡¡µÚÁùÌõ¡¡ÂÄÐз´Ï´Ç®ÒåÎñµÄ»ú¹¹¼°Æ乤×÷ÈËÔ±ÒÀ·¨Ìá½»´ó¶î½»Ò׺ͿÉÒɽ»Ò×±¨¸æ£¬ÊÜ·¨Âɱ£»¤¡£ Article 7 Where any entity or individual finds any money laundering activity, it/he has the right to tip it off to the administrative department of anti-money laundering or to the public security organ. The organ that accepts a tip-off shall keep confidential the tip-off maker as well as the tipped-off contents.¡¡¡¡µÚÆßÌõ¡¡Èκε¥Î»ºÍ¸öÈË·¢ÏÖÏ´Ç®»î¶¯£¬ÓÐȨÏò·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅ»òÕß¹«°²»ú¹Ø¾Ù±¨¡£½ÓÊܾٱ¨µÄ»ú¹ØÓ¦µ±¶Ô¾Ù±¨È˺;ٱ¨ÄÚÈݱ£ÃÜ¡£¡¡£¨Ïà¹Ø×ÊÁÏ: Ïà¹ØÂÛÎÄ1ƪ£©Chapter II Anti-money Laundering Supervision and AdministrationµÚ¶þÕ¡¡·´Ï´Ç®¼à¶½¹ÜÀí Article 8 The administrative department of anti-money laundering of the State Council shall organize and coordinate the anti-money laundering work throughout the country, take charge of the supervision over the anti-money laundering funds, formulate, by itself or in collaboration with the relevant financial regulatory bodies under the State Council, the relevant anti-money laundering regulations of financial institutions, conduct supervision and examination on the performance of anti-money laundering obligations by financial institutions, investigate into doubtful transactions within the power limit of its functions and duties, and perform other duties and functions of anti-money laundering as prescribed by law or by the State Council.A dispatched organ of the administrative department of anti-money laundering of the State Council shall, within the power limit as authorized by the administrative department of anti-money laundering of the State Council, conduct supervision and examination of the performance of anti-money laundering obligations by financial institutions.¡¡¡¡µÚ°ËÌõ¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅ×éÖ¯¡¢Ðµ÷È«¹úµÄ·´Ï´Ç®¹¤×÷£¬¸ºÔð·´Ï´Ç®µÄ×ʽð¼à²â£¬Öƶ¨»òÕß»áͬ¹úÎñÔºÓйؽðÈڼල¹ÜÀí»ú¹¹Öƶ¨½ðÈÚ»ú¹¹·´Ï´Ç®¹æÕ£¬¼à¶½¡¢¼ì²é½ðÈÚ»ú¹¹ÂÄÐз´Ï´Ç®ÒåÎñµÄÇé¿ö£¬ÔÚÖ°Ôð·¶Î§ÄÚµ÷²é¿ÉÒɽ»Ò׻£¬ÂÄÐз¨Âɺ͹úÎñÔº¹æ¶¨µÄÓйط´Ï´Ç®µÄÆäËûÖ°Ôð¡£ ¡¡¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃŵÄÅɳö»ú¹¹ÔÚ¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃŵÄÊÚȨ·¶Î§ÄÚ£¬¶Ô½ðÈÚ»ú¹¹ÂÄÐз´Ï´Ç®ÒåÎñµÄÇé¿ö½øÐмල¡¢¼ì²é¡£ Article 9 The relevant financial regulatory bodies under the State Council shall participate in the formulation of anti-money laundering regulations for the financial institutions under its supervision and administration, require them to establish and improve an internal control system of anti-money laundering and perform the other duties and functions of anti-money laundering as prescribed by law or by the State Council.¡¡¡¡µÚ¾ÅÌõ¡¡¹úÎñÔºÓйؽðÈڼල¹ÜÀí»ú¹¹²ÎÓëÖƶ¨Ëù¼à¶½¹ÜÀíµÄ½ðÈÚ»ú¹¹·´Ï´Ç®¹æÕ£¬¶ÔËù¼à¶½¹ÜÀíµÄ½ðÈÚ»ú¹¹Ìá³ö°´Õչ涨½¨Á¢½¡È«·´Ï´Ç®ÄÚ²¿¿ØÖÆÖƶȵÄÒªÇó£¬ÂÄÐз¨Âɺ͹úÎñÔº¹æ¶¨µÄÓйط´Ï´Ç®µÄÆäËûÖ°Ôð¡£ Article 10 The administrative department of anti-money laundering of the State Council shall establish an Anti-money Laundering Information Center to take charge of accepting and analyzing the reports on large sum transactions and doubtful transactions, report the result of analysis to the administrative department of anti-money laundering of the State Council according to the relevant provisions and perform any other functions and duties as prescribed by the administrative department of anti-money laundering of the State Council.¡¡¡¡µÚÊ®Ìõ¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅÉèÁ¢·´Ï´Ç®ÐÅÏ¢ÖÐÐÄ£¬¸ºÔð´ó¶î½»Ò׺ͿÉÒɽ»Ò×±¨¸æµÄ½ÓÊÕ¡¢·ÖÎö£¬²¢°´Õչ涨Ïò¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿Ãű¨¸æ·ÖÎö½á¹û£¬ÂÄÐйúÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃŹ涨µÄÆäËûÖ°Ôð¡£ Article 11 The administrative department of anti-money laundering of the State Council may, in order to perform its duties and functions of supervising the anti-money laundering funds, collect the necessary information from the relevant departments and organs of the State Council, and the latter shall provide assistance.The administrative department of anti-money laundering of the State Council shall circulate, on a periodic basis, the anti-money laundering work to the relevant departments and organs of the State Council.¡¡¡¡µÚʮһÌõ¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅΪÂÄÐз´Ï´Ç®×ʽð¼à²âÖ°Ô𣬿ÉÒÔ´Ó¹úÎñÔºÓйز¿ÃÅ¡¢»ú¹¹»ñÈ¡Ëù±ØÐèµÄÐÅÏ¢£¬¹úÎñÔºÓйز¿ÃÅ¡¢»ú¹¹Ó¦µ±Ìṩ¡£ ¡¡¡¡¹úÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅÓ¦µ±Ïò¹úÎñÔºÓйز¿ÃÅ¡¢»ú¹¹¶¨ÆÚͨ±¨·´Ï´Ç®¹¤×÷Çé¿ö¡£ Article 12 Where the customs finds that any cash or bearer securities that any person carries exceeds the prescribed sum, it shall report the case to the administrative department of anti-money laundering in a timely manner.The standards of amount that shall be circulated in the preceding paragraph shall be prescribed by the administrative department of anti-money laundering of the State Council in collaboration with the General Administration of Customs.¡¡¡¡µÚÊ®¶þÌõ¡¡º£¹Ø·¢ÏÖ¸öÈ˳öÈ뾳Я´øµÄÏÖ½ð¡¢ÎÞ¼ÇÃûÓмÛ֤ȯ³¬¹ý¹æ¶¨½ð¶îµÄ£¬Ó¦µ±¼°Ê±Ïò·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅͨ±¨¡£ ¡¡¡¡Ç°¿îÓ¦µ±Í¨±¨µÄ½ð¶î±ê×¼ÓɹúÎñÔº·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃÅ»áͬº£¹Ø×ÜÊð¹æ¶¨¡£ Article 13 Where the administrative department of anti-money laundering or any other department or organ bearing the obligation of anti-money laundering supervision and administration according to law finds any transaction involved with the crime of money laundering, it shall report it to the investigation organ in a timely manner.¡¡¡¡µÚÊ®ÈýÌõ¡¡·´Ï´Ç®ÐÐÕþÖ÷¹Ü²¿ÃźÍÆäËûÒÀ·¨¸ºÓз´Ï´Ç®¼à¶½¹ÜÀíÖ°ÔðµÄ²¿ÃÅ¡¢»ú¹¹·¢ÏÖÉæÏÓÏ´Ç®·¸×ïµÄ½»Ò׻£¬Ó¦µ±¼°Ê±ÏòÕì²é»ú¹Ø±¨¸æ¡£ Article 14 Where the relevant financial regulatory body under the State Council conducts examination and approval of the establishment of a new financial institution or establishment of any sub-branch or branch of a financial institution, it shall examine the internal control system of anti-money laundering of the new institution and shall not approve any application for establishment that fails to satisfy the provisions of the present Law.¡¡¡¡µÚÊ®ËÄÌõ¡¡¹úÎñÔºÓйؽðÈڼල¹ÜÀí»ú¹¹ÉóÅúÐÂÉè½ðÈÚ»ú¹¹»òÕß½ðÈÚ»ú¹¹ÔöÉè·ÖÖ§»ú¹¹Ê±£¬Ó¦µ±Éó²éлú¹¹·´Ï´Ç®ÄÚ²¿¿ØÖÆÖƶȵķ½°¸£»¶ÔÓÚ²»·ûºÏ±¾·¨¹æ¶¨µÄÉèÁ¢ÉêÇ룬²»ÓèÅú×¼¡££¨Ïà¹Ø×ÊÁÏ: ²¿ÃŹæÕÂ1ƪ£©Chapter III Anti-money Laundering Obligations of Financial Institutions µÚÈýÕ¡¡½ðÈÚ»ú¹¹·´Ï´Ç®ÒåÎñ Article 15 A financial institution shall, according to the provisions of the present Law, establish and improve its internal control system of anti-money laundering, and the principal thereof shall be responsible for the effective implementation of its internal control system of anti-money laundering.A financial institution shall establish a special institution of anti-money laundering or designate an internal department to take charge of anti-money laundering.¡¡¡¡µÚÊ®ÎåÌõ¡¡½ðÈÚ»ú¹¹Ó¦µ±ÒÀÕÕ±¾·¨¹æ¶¨½¨Á¢½¡È«·´Ï´Ç®ÄÚ²¿¿ØÖÆÖƶȣ¬½ðÈÚ»ú¹¹µÄ¸ºÔðÈËÓ¦µ±¶Ô·´Ï´Ç®ÄÚ²¿¿ØÖÆÖƶȵÄÓÐЧʵʩ¸ºÔð¡£ ¡¡¡¡½ðÈÚ»ú¹¹Ó¦µ±ÉèÁ¢·´Ï´Ç®×¨ÃÅ»ú¹¹»òÕßÖ¸¶¨ÄÚÉè»ú¹¹¸ºÔð·´Ï´Ç®¹¤×÷¡£ Article 16 A financial institution shall establish a clients¡¯ identity identification system according to the relevant provisions.Where a financial institution establishes any business relationship with a client or provides such one-off financial services as cash remittance, cash conversion and bill payment beyond the prescribed amount, it shall require the client to show its/his authentic and effective identity certificate or any other identity certification document and make relevant verification and registration.Where a client entrusts an agent to handle the transaction on its/his behalf, the relevant financial institution shall make verification and registration of the identity certificates or any other identity certification documents of the agent and the principal thereof.Where a financial institution establishes a business relationship of personal insurance or trust with his client yet if the contractual beneficiary is not the client himself, the financial institution shall make verification and registration of the identity certificate or any other identity certification document of the beneficiary as well.A financial institution shall not provide any service to or have trade with any client who cannot clarify his identity or establish any anonymous or pseudonymous account therefor.Where a financial institution has any doubt about the authenticity or effectiveness or completeness of any client¡¯s identity materials, it shall check out the client¡¯s identity again.Where any entity or individual establishes any business relationship with any financial institution or requires a financial institution to provide a one-off financial service, it/he shall provide its/his authentic and effective identity certificate or any other identity certification document.¡¡¡¡µÚÊ®ÁùÌõ¡¡½ðÈÚ»ú¹¹Ó¦µ±°´Õչ涨½¨Á¢¿Í»§Éí·Ýʶ±ðÖƶȡ£ ¡¡¡¡½ðÈÚ»ú¹¹ÔÚÓë¿Í»§½¨Á¢ÒµÎñ¹Øϵ»òÕßΪ¿Í»§Ìṩ¹æ¶¨½ð¶îÒÔÉϵÄÏÖ½ð»ã¿î¡¢ÏÖ³®¶Ò»»¡¢