Anti-Money Laundering Law of the People's Republic of China

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【英文名称】Anti-Money Laundering Law of the People's Republic of China

【中文名称】中华人民共和国反洗钱法中英文双语版

【发布部门】全国人民代表大会常务委员会

【发文字号】主席令第56号

【发布日期】2006.10.31

【实施日期】2007.01.01

【效力级别】国家法律

【法律时效】现行有效


Order of the President of the People's Republic of China
中华人民共和国主席令
(No. 56)

  The Anti-Money Laundering Law of the People's Republic of China, 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.

  《中华人民共和国反洗钱法》已由中华人民共和国第十届全国人民代表大会常务委员会第二十四次会议于2006年10月31日通过,现予公布,自2007年1月1日起施行。

        President of the People's Republic of China Hu Jingtao

        中华人民共和国主席 胡锦涛

        October 31, 2006

        2006年10月31日


Anti-Money Laundering Law of the People's Republic of China
《中华人民共和国反洗钱法》中英文双语版

Chapter I General Provisions / 第一章 总 则

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.

第二条 本法所称反洗钱,是指为了预防通过各种方式掩饰、隐瞒毒品犯罪、黑社会性质的组织犯罪、恐怖活动犯罪、走私犯罪、贪污贿赂犯罪、破坏金融管理秩序犯罪、金融诈骗犯罪等犯罪所得及其收益的来源和性质的洗钱活动,依照本法规定采取相关措施的行为。

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..

第二条 本法所称反洗钱,是指为了预防通过各种方式掩饰、隐瞒毒品犯罪、黑社会性质的组织犯罪、恐怖活动犯罪、走私犯罪、贪污贿赂犯罪、破坏金融管理秩序犯罪、金融诈骗犯罪等犯罪所得及其收益的来源和性质的洗钱活动,依照本法规定采取相关措施的行为。

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.

第三条 在中华人民共和国境内设立的金融机构和按照规定应当履行反洗钱义务的特定非金融机构,应当依法采取预防、监控措施,建立健全客户身份识别制度、客户身份资料和交易记录保存制度、大额交易和可疑交易报告制度,履行反洗钱义务。

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.

第四条 国务院反洗钱行政主管部门负责全国的反洗钱监督管理工作。国务院有关部门、机构在各自的职责范围内履行反洗钱监督管理职责。

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.

国务院反洗钱行政主管部门、国务院有关部门、机构和司法机关在反洗钱工作中应当相互配合。

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.

第五条 对依法履行反洗钱职责或者义务获得的客户身份资料和交易信息,应当予以保密;非依法律规定,不得向任何单位和个人提供。

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.

反洗钱行政主管部门和其他依法负有反洗钱监督管理职责的部门、机构履行反洗钱职责获得的客户身份资料和交易信息,只能用于反洗钱行政调查。

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.

司法机关依照本法获得的客户身份资料和交易信息,只能用于反洗钱刑事诉讼。

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.

第六条 履行反洗钱义务的机构及其工作人员依法提交大额交易和可疑交易报告,受法律保护。

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.

第七条 任何单位和个人发现洗钱活动,有权向反洗钱行政主管部门或者公安机关举报。接受举报的机关应当对举报人和举报内容保密。

Chapter II Anti-money Laundering Supervision and Administration / 第二章 反洗钱监督管理

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.

第八条 国务院反洗钱行政主管部门组织、协调全国的反洗钱工作,负责反洗钱的资金监测,制定或者会同国务院有关金融监督管理机构制定金融机构反洗钱规章,监督、检查金融机构履行反洗钱义务的情况,在职责范围内调查可疑交易活动,履行法律和国务院规定的有关反洗钱的其他职责。

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.

国务院反洗钱行政主管部门的派出机构在国务院反洗钱行政主管部门的授权范围内,对金融机构履行反洗钱义务的情况进行监督、检查。

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.

第九条 国务院有关金融监督管理机构参与制定所监督管理的金融机构反洗钱规章,对所监督管理的金融机构提出按照规定建立健全反洗钱内部控制制度的要求,履行法律和国务院规定的有关反洗钱的其他职责。

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.

第十条 国务院反洗钱行政主管部门设立反洗钱信息中心,负责大额交易和可疑交易报告的接收、分析,并按照规定向国务院反洗钱行政主管部门报告分析结果,履行国务院反洗钱行政主管部门规定的其他职责。

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.

第十一条 国务院反洗钱行政主管部门为履行反洗钱资金监测职责,可以从国务院有关部门、机构获取所必需的信息,国务院有关部门、机构应当提供。

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.

国务院反洗钱行政主管部门应当向国务院有关部门、机构定期通报反洗钱工作情况。

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.

第十二条 海关发现个人出入境携带的现金、无记名有价证券超过规定金额的,应当及时向反洗钱行政主管部门通报。

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.

前款应当通报的金额标准由国务院反洗钱行政主管部门会同海关总署规定。

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.

第十三条 反洗钱行政主管部门和其他依法负有反洗钱监督管理职责的部门、机构发现涉嫌洗钱犯罪的交易活动,应当及时向侦查机关报告。

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.

第十四条 国务院有关金融监督管理机构审批新设金融机构或者金融机构增设分支机构时,应当审查新机构反洗钱内部控制制度的方案;对于不符合本法规定的设立申请,不予批准。

Chapter III Anti-money Laundering Obligations of Financial Institutions / 第三章 金融机构反洗钱义务

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.

第十五条 金融机构应当依照本法规定建立健全反洗钱内部控制制度,金融机构的负责人应当对反洗钱内部控制制度的有效实施负责。

A financial institution shall establish a special institution of anti-money laundering or designate an internal department to take charge of anti-money laundering.

金融机构应当设立反洗钱专门机构或者指定内设机构负责反洗钱工作。

Article 16 A financial institution shall establish a clients' identity identification system according to the relevant provisions.

第十六条 金融机构应当按照规定建立客户身份识别制度。

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.

金融机构在与客户建立业务关系或者为客户提供规定金额以上的现金汇款、现钞兑换、票据兑付等一次性金融服务时,应当要求客户出示真实有效的身份证件或者其他身份证明文件,进行核对并登记。

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.

客户由他人代理办理业务的,金融机构应当同时对代理人和被代理人的身份证件或者其他身份证明文件进行核对并登记。

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.

与客户建立人身保险、信托等业务关系,合同的受益人不是客户本人的,金融机构还应当对受益人的身份证件或者其他身份证明文件进行核对并登记。

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.

金融机构不得为身份不明的客户提供服务或者与其进行交易,不得为客户开立匿名账户或者假名账户。

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.

金融机构对先前获得的客户身份资料的真实性、有效性或者完整性有疑问的,应当重新识别客户身份。

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.

任何单位和个人在与金融机构建立业务关系或者要求金融机构为其提供一次性金融服务时,都应当提供真实有效的身份证件或者其他身份证明文件。

Article 17 Where a financial institution identifies the identity of its clients through a third party, it shall be guaranteed that the third party has adopted the measures for clients' identity clarification as required by the present Law. Where any third party fails to adopt the measures for the clients' identity clarification as prescribed by the present Law, the financial institution shall bear the liabilities for its failure to perform the obligation of clarifying the client's identity.

第十七条 金融机构通过第三方识别客户身份的,应当确保第三方已经采取符合本法要求的客户身份识别措施;第三方未采取符合本法要求的客户身份识别措施的,由该金融机构承担未履行客户身份识别义务的责任。

Article 18 Where a financial institution conducts the clarification of its clients' identity, it may, where it so requires, verify the relevant identity information with such departments as the public security organ and the administrative department for industry and commerce.

第十八条 金融机构进行客户身份识别,认为必要时,可以向公安、工商行政管理等部门核实客户的有关身份信息。

Article 19 A financial institution shall establish a preservation system for its clients' identity materials and transactional records.

第十九条 金融机构应当按照规定建立客户身份资料和交易记录保存制度。

During the existence of business relationship, any client's identity material that changes shall be updated in a timely manner.

在业务关系存续期间,客户身份资料发生变更的,应当及时更新客户身份资料。

Upon conclusion of any business relationship or transaction, the relevant client's identity materials or client's transaction information shall be kept for at least 5 years.

客户身份资料在业务关系结束后、客户交易信息在交易结束后,应当至少保存五年。

Where a financial institution goes bankrupt or is dissolved, it shall transfer the relevant clients' identity materials and clients' transactional records to the institution designated by the relevant department of the State Council.

金融机构破产和解散时,应当将客户身份资料和客户交易信息移交国务院有关部门指定的机构。

Article 20 A financial institution shall, according to the relevant provisions, implement the reporting system of large sum transactions and doubtful transactions.

第二十条 金融机构应当按照规定执行大额交易和可疑交易报告制度。

Where any single transaction handled by a financial institution or the accumulated transaction within a prescribed time limit goes beyond the prescribed sum or where any doubtful transaction is found, it shall be reported to the Anti-money Laundering Information Center in a timely manner.

金融机构办理的单笔交易或者在规定期限内的累计交易超过规定金额或者发现可疑交易的,应当及时向反洗钱信息中心报告。

Article 21 The specific measures for a financial institution to establish a clients' identity clarification system and a preservation system for its clients' identity materials and transactional records shall be formulated by the administrative department of anti-money laundering of the State Council in collaboration with the relevant financial regulatory bodies under the State Council. The specific measures for reporting the large sum transactions and doubtful transactions by financial institutions shall be formulated by the administrative department of anti-money laundering of the State Council.

第二十一条 金融机构建立客户身份识别制度、客户身份资料和交易记录保存制度的具体办法,由国务院反洗钱行政主管部门会同国务院有关金融监督管理机构制定。金融机构大额交易和可疑交易报告的具体办法,由国务院反洗钱行政主管部门制定。

Article 22 A financial institution shall, according to the requirements for anti-money laundering prevention and supervision, conduct anti-money laundering trainings and publicity.

第二十二条 金融机构应当按照反洗钱预防、监控制度的要求,开展反洗钱培训和宣传工作。

Chapter IV Anti-money Laundering Investigation / 第四章 反洗钱调查

Article 23 Where the administrative department of anti-money laundering of the State Council or its dispatched organ at the provincial level finds any doubtful transaction and if an investigation and verification is therefore required, it may conduct an investigation into the related financial institutions, and the latter shall provide assistance and faithfully provide the relevant documents and materials.

第二十三条 国务院反洗钱行政主管部门或者其省一级派出机构发现可疑交易活动,需要调查核实的,可以向金融机构进行调查,金融机构应当予以配合,如实提供有关文件和资料。

In the investigation into any doubtful transaction, there shall be no fewer than 2 investigators, who shall show their legal certificates as well as the investigation notice produced by the administrative department of anti-money laundering of the State Council or by its dispatched organ at the provincial level. In the case of fewer than 2 investigators or in case the relevant legal certificate or investigation notice fails to be shown, the financial institution under investigation has the right to refuse the investigation.

调查可疑交易活动时,调查人员不得少于二人,并出示合法证件和国务院反洗钱行政主管部门或者其省一级派出机构出具的调查通知书。调查人员少于二人或者未出示合法证件和调查通知书的,金融机构有权拒绝调查。

Article 24 In the investigation into any doubtful transaction, the relevant investigators may inquire of relevant personnel of the related financial institutions about relevant information.

第二十四条 调查可疑交易活动,可以询问金融机构有关人员,要求其说明情况。

A Transcript shall be made for an inquiry and shall be checked against the person being interrogated. In the case of any omission or mistake in a transcript, the person being interrogated may request for supplementation or correction. After a person being interrogated confirms a transcript, he shall render his signature or seal thereto and the relevant investigators shall render their signatures onto the transcript as well.

询问应当制作询问笔录。询问笔录应当交被询问人核对。记载有遗漏或者差错的,被询问人可以要求补充或者更正。被询问人确认笔录无误后,应当签名或者盖章;调查人员也应当在笔录上签名。

Article 25 Where a further examination is required in an investigation, the investigator may, upon the approval of the principal of the administrative department of anti-money laundering of the State Council or its dispatched organ at the provincial level, consult and photocopy the relevant account information, transactional records and any other relevant materials of the investigated institution or persons, and may seal up any document or material that may be transferred, concealed, tampered or destroyed.

第二十五条 调查中需要进一步核查的,经国务院反洗钱行政主管部门或者其省一级派出机构的负责人批准,可以查阅、复制被调查对象的账户信息、交易记录和其他有关资料;对可能被转移、隐藏、篡改或者毁损的文件、资料,可以予以封存。

Where an investigator seals up any documents or materials, he shall, in collaboration with the relevant personnel of the investigated financial institution on the spot, sort them out and produce a checklist in duplicate, to which the signatures or seal of investigators and personnel of the financial institutions on the spot shall be rendered. One copy shall be delivered to the financial institution and the other shall be attached to the relevant file for reference.

调查人员封存文件、资料,应当会同在场的金融机构工作人员查点清楚,当场开列清单一式二份,由调查人员和在场的金融机构工作人员签名或者盖章,一份交金融机构,一份附卷备查。

Article 26 Where any suspicion of money laundering cannot be cleared off upon investigation, a case shall be reported to the competent investigation organ immediately. Where a client requests to transfer the account capital as involved in the investigation to a foreign country, temporary freezing measures may be adopted, subject to approval of the principal of the administrative department of anti-money laundering of the State Council.

第二十六条 经调查仍不能排除洗钱嫌疑的,应当立即向有管辖权的侦查机关报案。客户要求将调查所涉及的账户资金转往境外的,经国务院反洗钱行政主管部门负责人批准,可以采取临时冻结措施。

After the investigation organ receives a case, it shall decide, in a timely manner, whether or not to further freeze the capital as temporarily frozen up according to the provisions of the preceding paragraph.

Where it deems it necessary to continue freezing the capital, freezing measures shall be adopted according to the provisions of the Criminal Procedure Law. Where it deems it unnecessary to freeze the capital any more, it shall immediately notify the administrative department of anti-money laundering of the State Council, and the latter shall immediately notify the relevant financial institution to lift the freeze.

侦查机关接到报案后,对已依照前款规定临时冻结的资金,应当及时决定是否继续冻结。侦查机关认为需要继续冻结的,依照刑事诉讼法的规定采取冻结措施;认为不需要继续冻结的,应当立即通知国务院反洗钱行政主管部门,国务院反洗钱行政主管部门应当立即通知金融机构解除冻结。

A temporary freeze shall not exceed 48 hours. Where a financial institution does not receive any notice on continuing freezing from the investigation organ within 48 hours after it adopts temporary freezing measures according to the requirements of the administrative department of anti-money laundering of the State Council, it shall immediately lift the freeze.

临时冻结不得超过四十八小时。金融机构在按照国务院反洗钱行政主管部门的要求采取临时冻结措施后四十八小时内,未接到侦查机关继续冻结通知的,应当立即解除冻结。

Chapter V International Anti-money Laundering Cooperation / 第五章 反洗钱国际合作

Article 27 The People's Republic of China shall, according to the international treaties that China has concluded or acceded to or according to the principles of equality and reciprocity, carry out international anti-money laundering cooperation.

第二十七条 中华人民共和国根据缔结或者参加的国际条约,或者按照平等互惠原则,开展反洗钱国际合作。

Article 28 The administrative department of anti-money laundering of the State Council shall, according to the authorization of the State Council, represent the Chinese government to make anti-money laundering cooperation with foreign governments and relevant international organizations, exchange the relevant information and materials related to anti-money laundering with overseas anti-money laundering institutions according to law.

第二十八条 国务院反洗钱行政主管部门根据国务院授权,代表中国政府与外国政府和有关国际组织开展反洗钱合作,依法与境外反洗钱机构交换与反洗钱有关的信息和资料。

Article 29 Legal assistance for investigation into any crime of money laundering shall be handled by the judicial organ according to the provisions of relevant laws.

第二十九条 涉及追究洗钱犯罪的司法协助,由司法机关依照有关法律的规定办理。

Chapter VI Legal Liabilities / 第六章 法律责任

Article 30 Where any functionary of the administrative department of anti-money laundering or any other department or organ bearing the functions and duties of anti-money laundering supervision and administration has any of the following acts, an administrative sanction shall be given according to law:

第三十条 反洗钱行政主管部门和其他依法负有反洗钱监督管理职责的部门、机构从事反洗钱工作的人员有下列行为之一的,依法给予行政处分:

(1) Where anyone makes examination, investigation or adopts any temporary freezing measures in violation of the relevant provisions;

(一)违反规定进行检查、调查或者采取临时冻结措施的;

(2) Where anyone divulges any state secret, commercial secret or individual privacy which he has access to in his anti-money laundering work;

(二)泄露因反洗钱知悉的国家秘密、商业秘密或者个人隐私的;

(3) Where anyone gives any administrative punishment to the relevant institution and personnel in violation of the relevant provisions; or

(三)违反规定对有关机构和人员实施行政处罚的;

(4) Where anyone has any act of failing to perform his duties and functions according to law.

(四)其他不依法履行职责的行为。

Article 31 Where a financial institution has any of the following acts, the administrative department of anti-money laundering of the State Council or its authorized dispatched organ at or above the districted city level shall order it to correct within a time limit. In the case of serious circumstances, it shall advise the relevant financial regulatory body to order the relevant financial institution to give a disciplinary sanction to its directly liable chairperson, senior manager or any other person according to law:

第三十一条 金融机构有下列行为之一的,由国务院反洗钱行政主管部门或者其授权的设区的市一级以上派出机构责令限期改正;情节严重的,建议有关金融监督管理机构依法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:

(1) Where it fails to establish an internal control system of anti-money laundering according to the relevant provisions;

(一)未按照规定建立反洗钱内部控制制度的;

(2) Where it fails to establish a special institution of anti-money laundering or designates an internal department to take charge of anti-money laundering; or

(二)未按照规定设立反洗钱专门机构或者指定内设机构负责反洗钱工作的;

(3) Where it fails to conduct anti-money laundering trainings to its employees according to the relevant provisions.

(三)未按照规定对职工进行反洗钱培训的。

Article 32 Where a financial institution is under any of the following circumstances, the administrative department of anti-money laundering of the State Council or its authorized dispatched organ at or above the districted city level shall order it to correct. In the case of serious circumstances, a fine of 20, 000 yuan up to 50, 000 yuan shall be imposed on the financial institution and a fine of 10, 000 yuan up to 50, 000 yuan shall be imposed upon its directly liable chairman, senior manager or any other person:

第三十二条 金融机构有下列行为之一的,由国务院反洗钱行政主管部门或者其授权的设区的市一级以上派出机构责令限期改正;情节严重的,处二十万元以上五十万元以下罚款,并对直接负责的董事、高级管理人员和其他直接责任人员,处一万元以上五万元以下罚款:

(1) Where it fails to perform the obligation of clarifying any clients' identity according to the relevant provisions;

(一)未按照规定履行客户身份识别义务的;

(2) Where it fails to preserve the clients' identity materials and transactional records according to the relevant provisions;

(二)未按照规定保存客户身份资料和交易记录的;

(3) Where it fails to report relevant reports on large sum transactions or doubtful transactions according to the relevant provisions;

(三)未按照规定报送大额交易报告或者可疑交易报告的;

(4) Where it trades with any client who fails to clarify its/his identity or establishes any anonymous account or pseudonymous account therefor;

(四)与身份不明的客户进行交易或者为客户开立匿名账户、假名账户的;

(5) Where it violates the relevant confidential provisions or divulges any relevant information;

(五)违反保密规定,泄露有关信息的;

(6) Where it refuses or retards any anti-money laundering examination or investigation; or

(六)拒绝、阻碍反洗钱检查、调查的;

(7) Where it refuses to provide any investigation material or provides any false material on purpose;

(七)拒绝提供调查材料或者故意提供虚假材料的。

Where a financial institution has any of the aforesaid act and thus leads to the consequence of money laundering, a fine of 500, 000 yuan up to 5, 000, 000 yuan shall be imposed upon the financial institution and a fine of 50, 000 yuan up to 500, 000 yuan shall be imposed upon its directly liable chairman, senior manager or any other person. In the case of particularly serious circumstances, the administrative department of anti-money laundering may advise the relevant financial regulatory body to order the financial institution to suspend its business for rectification or to revoke its business license.

金融机构有前款行为,致使洗钱后果发生的,处五十万元以上五百万元以下罚款,并对直接负责的董事、高级管理人员和其他直接责任人员处五万元以上五十万元以下罚款;情节特别严重的,反洗钱行政主管部门可以建议有关金融监督管理机构责令停业整顿或者吊销其经营许可证。

As to the directly liable chairman, senior manager or any other person of a financial institution as prescribed in the preceding two paragraphs, the administrative department of anti-money laundering may advise the relevant financial regulatory body to order the financial institution to give a disciplinary sanction thereto or revoke his qualification to hold a post and prohibit him from engaging in any financial work.

对有前两款规定情形的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,反洗钱行政主管部门可以建议有关金融监督管理机构依法责令金融机构给予纪律处分,或者建议依法取消其任职资格、禁止其从事有关金融行业工作。

Article 33 Where anyone violates the provisions of the present Law and thus constitutes a crime, he shall be subject to criminal liabilities according to law.

第三十三条 违反本法规定,构成犯罪的,依法追究刑事责任。

Chapter VII Supplementary Provisions / 第七章 附 则

Article 34 The term "financial institutions" as mentioned in the present Law refers to the policy banks, commercial banks, credit cooperatives, post savings institutions, trust investment companies, securities companies, futures brokerage companies, insurance companies as well as any other institutions that have been determined and publicized by the administrative department of anti-money laundering of the State Council to engage in the financial undertakings.

第三十四条 本法所称金融机构,是指依法设立的从事金融业务的政策性银行、商业银行、信用合作社、邮政储汇机构、信托投资公司、证券公司、期货经纪公司、保险公司以及国务院反洗钱行政主管部门确定并公布的从事金融业务的其他机构。

Article 35 The scope of the special non-financial institutions that shall perform the obligation of anti-money laundering, the specific anti-money laundering obligations thereof as well as the specific measures for supervision and administration on the special non-financial institutions shall be formulated by the administrative department of anti-money laundering of the State Council in collaboration with the relevant departments of the State Council.

第三十五条 应当履行反洗钱义务的特定非金融机构的范围、其履行反洗钱义务和对其监督管理的具体办法,由国务院反洗钱行政主管部门会同国务院有关部门制定。

Article 36 The supervision over any funds suspected of being involved in any terrorism activity shall be governed by the present Law. In the case of any different provision in any other law in this regard, such provision shall prevail.

第三十六条 对涉嫌恐怖活动资金的监控适用本法;其他法律另有规定的,适用其规定。

Article 37 The present Measures shall come into force as of January 1, 2007.

第三十七条 本法自2007年1月1日起施行。