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1、中华人民共和国反洗钱法发文机关：全国人民代表大会常务委员会发布日期,2006.10.31Promulgatedby：StandingCommitteeoftheNationalPeoplesCongressPromulgationDate：2006.10.31生效日期:2007.01.01EffectiveDate：2007.01.01时效性：现行有效ValidityStatus：valid文号:主席令第五十六号DocumentNo.：DecreeNo.56ofthePresidentofthePeoplesRepublicofChina中华人民共和国反洗钱法Anti-moneyLaunder
2、ingLawofthePeoplesRepublicofChinaDecreeNo.56ofthePresidentofthePeoplesRepublicofChina中华人民共和国主席令第五十六号Passedbythe24thSessionoftheStandingCommitteeoftheTenthNationalPeoplesCongresson31October2006andpromulgatedthereon（2006年10月31日第十届全1/17国人民代表大会常务委员会第二十四次会议通过）第一章总则CHAPTERIGENERALPRINCIPLES第一条为了预防洗钱活动，Art
3、icle1.ThisLawisformulatedforthepurposesofpreventingmoneylaunderingactivities,preservingfinancialorderand维护金融秩序，遏制洗钱犯罪及相containingmoneylaunderingcrimesandotherrelatedcrimes.关犯罪，制定本法。第二条本法所称反洗钱，是Article2.Anti-moneylaunderingreferredtointhisLawshallmeantheadoptionofrelevantmeasuresstipulatedinthisLawto
4、prevent指为了预防通过各种方式掩饰、隐moneylaunderingactivitiesbyvariousmeanstohideorconceal瞒毒品犯罪、黑社会性质的组织犯thesourceandnatureofgainsandotherprofitsfromdrugoffences,organisedcrime,terroristactivities,smuggling,corruption罪、恐怖活动犯罪、走私犯罪、贪andbribery,disruptionoffinancialorder,financialfraud,etc.污贿赂犯罪、破坏金融管理秩序犯WoltersKlu
5、wer威科先行Q法律信息库罪、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。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Article 3. Financial institutions established in the Peoples Republic of China and specific non-financial-institutions which are required to perform anti-money laundering obligations according to履行反洗钱义务的特定非金融机 构，应当依
6、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the provisions shall adopt preventive and control measures pursuant to the law, and fulfil anti-money laundering obligations by establishing proper and comprehensive systems for determining customer identity, retaining customer identity information and transac
7、tion records, and a system of reporting large amount transactions and suspicious transactions.度、大额交易和可疑交易报告制度，履行反洗钱义务。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Article 4. The State Council anti-money laundering administrative authority is responsible for anti-money laundering super
8、vision and administration efforts nationwide. The relevant departments and agencies of the State Council shall carry out anti-money laundering supervision and administration within their respective scope of duties.理职责。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The State Council anti-money laundering administrative
9、 authority and the relevant departments and agencies of the State Council and judicial authorities shall coordinate with one another in antimoney laundering efforts.在反洗钱工作中应当相互配合。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Article5.Customeridentityinformationandtransactionrecordsobtaine
10、dinthecourseofanti-moneylaunderingdutiesorobligationsperformedpursuanttothelawmustbekeptconfidentialandnotbedisclosedtoanyorganizationorindividualunlessrequiredbytheprovisionsofthelaw.Customeridentityinformationandtransactionrecordsobtainedinthecourseofanti-moneylaunderingduties,byanti-moneylOlaunde
11、ringadministrativeauthoritiesandotherdepartmentsandorganisationstaskedwithsupervisionandadministrationofanti-反洗:快彳Jll乂主J：部IJ和其他依moeylaunderingpursuanttolaw,mustonlybeusedforanti-法负有反洗钱监督管理职责的部moneylaunderingadministrativeinvestigationefforts.门、机构履行反洗钱职责获得的客Customeridentityinformationandtransactionre
12、cordsobtainedbyAq=人LN_十judicialauthoritiespursuanttothelawmustonlybeusedfor户身份资料和交易信息，只能用于criminalproceedingsrelatingtoanti-moneylaundering.反洗钱行政调查。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。X一，一Article6.Agenciesandtheirpersonnelthatsubmitreportson第六条履行反洗钱义务的机largeamounttransactionsandsuspicioustransactions
13、pursuantto构及其工作人员依法提交大额交易thelawintheirperformanceofanti-moneylaunderingobligations和可疑交易报告，受法律保护。shabprtctdbythlaW-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Article 7. Anyorganisationorindividualshallhavetherighttoreportanydiscoveryofmoneylaunderingtotheanti-moneylaunderingadministrati
14、veauthoritiesorthepublicsecuritydepartment.Theagencythatacceptsthereportshallmaintaininconfidencetheinformantsidentityandthecontentsofthereport.密。$CHAPTERIlANTI-MONEYLAUNDERINGSUPERVISION第二章反洗钱监督管理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ANDADMINISTRATIONArticle 8. TheStateCouncil
15、anti-moneylaunderingadministrativeauthorityshall,organiseandcoordinatenationwideanti-moneylaunderingefforts,beresponsibleformonitoringfundspertainingtoanti-moneylaundering,formulateanti-moneylaunderingrulesforfinancialinstitutionsonitsownorjointlywiththerelevantStateCouncilfinancialsupervisionandadm
16、inistrativedepartments,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。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。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。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
17、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superviseandinspecttheperformanceofanti-moneylaunderingobligationbyfinancialinstitutions,investigatesuspicioustransactionswithinitsscopeofduties,andperformotherdutiesrelatingtoanti-moneylaunderingasthelawsandtheStateCouncilstipulate.ThebranchesofStateCouncilanti-m
18、oneylaunderingadministrativeauthorityshall,basedonthescopeofauthorisationbytheStateCouncilanti-moneylaunderingadministrativeauthority,conductsupervisionandinspectionofanti-moneylaunderingobligationsperformedbyfinancialinstitutions.Article 9. TherelevantStateCouncilfinancialsupervisionandadministrati
19、vedepartmentsshallparticipateintheformulationofanti-moneylaunderingrulesforfinancialinstitutionsunderitssupervisionandadministration,proposetherequirementsforaproperandcomprehensiveinternalsystemofanti-moneylaunderingcontrolstobeestablishedbythefinancialinstitutionsunderitssupervisionandadministrati
20、on,andperformotherdutiesrelatingtoanti-moneylaunderingasthelawsandtheStateCouncilstipulate.Article 10. TheStateCouncilanti-moneylaunderingadministrativeauthorityshallestablishananti-moneylaunderinginformationcentreresponsibleforreceivingandanalysingreportsonlargeamounttransactionsandsuspicioustransa
21、ctions,reportingtheanalysisresultstotheStateCouncilanti-moneylaunderingadministrativeauthoritypursuanttotheprovisions,andperformotherdutiesastheStateCouncilanti-moneylaunderingadministrativeauthoritystipulates.国务院反洗钱行政主管部门规定的其他职责。第十一条国务院反洗钱行政Article11.TheStateCouncilanti-moneylaunderingadministrativ
22、eauthoritymay,forthepurposeofmonitoringthefundsforanti主管部门为履行反洗钱资金监测职moneylaundering,obtaintherequisiteinformationfromthe责，可以从国务院有关部门、机构relevantStateCouncildepartmentsandagencies,andtherelevantStateCouncildepartmentsandagenciesmustprovidesuch获取所必需的信息，国务院有关部information.门、机构应当提供。TheStateCouncilanti-mo
23、neylaunderingadministrativeauthorityshallreportontheanti-moneylaunderingeffortstotherelevant国务院反洗钱行政主管部门应StateCouncildepartmentsandagenciesregularly.当向国务院有关部门、机构定期通报反洗钱工作情况。第十二条海关发现个人出入Article12.TheCustomsshall,upondiscoveryofanamountofcashorbearersecuritiesexceedingthestipulatedamountcarried境携带的现金、
24、无记名有价证券超byanindividualduringdepartureorarrival,reporttotheanti过规定金额的，应当及时向反洗钱moneylaunderingadministrativeauthoritiespromptly.行政主管部门通报。ThestandardforamountswhichwarrantreportingshallbestipulatedjointlybytheStateCouncilanti-moneylaundering前款应当通报的金额标准由国administrativeauthorityandtheGeneralAdministratio
25、nofCustoms.务院反洗钱行政主管部门会同海关总署规定。第十三条反洗钱行政主管部Article13.Wheretheanti-moneylaunderingadministrativeauthoritiesandotherdepartmentsandagenciestaskedwith门和其他依法负有反洗钱监督管理supervisionandadministrationofanti-moneylaunderingdiscover职责的部门、机构发现涉嫌洗钱犯anysuspectedmoneylaunderingtransactionsandactivities,thediscoverym
26、ustbereportedtotheinvestigationagencypromptly.罪的交易活动，应当及时向侦查机关报告。第十四条国务院有关金融监Article14.WheretherelevantStateCouncilfinancialsupervisionandadministrativedepartmentconductsexaminationandapproval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。第三章金融机构反洗钱义务第十五条金融机构应当依照 本法规定建立健全反洗钱内
27、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。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。第十六条金融机构应当按照 规定建立客户身份识别制度。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。ofanapplicationtoestablishanewfinancialinstitutionoranadditionalbranchofafinancialinstitution,therelevantStateC
28、ouncilfinancialsupervisionandadministrativedepartmentshallexaminethenewestablishmentsproposedinternalsystemofantimoneylaunderingcontrols;applicationsthatfailtocomplywiththeprovisionsofthisLawshallnotbeapproved.CHAPTERIIIANTI-MONEYLAUNDERINGOBLIGATIONSOFFINANCIALINSTITUTIONSArticle 15. Financialinsti
29、tutionsshallestablishaproperandcomprehensiveinternalsystemofanti-moneylaunderingcontrolspursuanttotheprovisionsofthisLaw;theperson-in-chargeofthefinancialinstitutionshallberesponsiblefortheeffectivenessoftheinternalsystemofanti-moneylaunderingcontrolsimplemented.Financialinstitutionsshallestablishas
30、pecialistanti-moneylaunderingdepartmentorappointaninternaldepartmenttoberesponsibleforanti-moneylaunderingefforts.Article 16. Financialinstitutionsshallestablishasystemofdeterminingcustomeridentitypursuanttotheprovisions.Whenafinancialinstitutionestablishesabusinessrelationshipwithacustomerorprovide
31、sone-offfinancialservicessuchascashremittance,currencyexchange,billdiscounting,etc,thefinancialinstitutionshallconductverificationandregistrationbyrequiringthecustomertoprovidetrueandvalididentificationdocumentsoranyotherformofidentificationdocument.Wherethetransactioniscarriedoutbyanagentofthecusto
32、mer,thefinancialinstitutionshallverifyandregistertheidentificationdocumentsoranyotherformofidentificationdocumentofthe客户由他人代理办理业务的，agentandthecustomer.金融机构应当同时对代理人和被代Whenafinancialinstitutionestablishesabusinessrelationshipwithacustomerthroughalifeinsurancepolicy,trustinstrumentorany理人的身份证件或者其他身份证明o
33、therbusinessrelationshipandthecustomerisnotabeneficiary文件进行核对并登记。undertheagreement,thefinancialinstitutionshallverifyandregistertheidentificationdocumentsoranyotherformof与客户建立人身保险、信托等identificationdocumentofthebeneficiaryandthecustomer.业务关系，合同的受益人不是客户Financialinstitutionsshallnotprovideservicesorcar
34、ryouttransactionsforcustomerswhoseidentityisunknown,andshall本人的，金融机构还应当对受益人notopenanonymousorpseudonymaccountsforcustomers.的身份证件或者其他身份证明文件Whereafinancialinstitutiondoubtstheveracity,validityorintegrity进行核对并登记。ofacustomersidentityfromidentityinformationpreviouslyobtained,thefinancialinstitutionshalld
35、eterminethecustomers金融机构不得为身份不明的客identityagain.户提供服务或者与其进行交易，不Anyorganisationorindividualthatestablishesabusiness得为客户开立匿名账户或者假名账relationshipwithafinancialinstitutionorrequestsforone-offfinancialservicesfromafinancialinstitutionshallprovidetrueand户。valididentificationdocumentsoranyotherformofidentifi
36、cationdocument.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。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。第十七条金融机构通过第三Article17.Whereafinancialinstitutiondeterminestheidentityofacustomerthroughathirdparty,itshallensurethatthethirdparty方识别客户身份的，应当确保第三hasadoptedmeasuresfordeterminin
37、gcustomeridentitywhich方已经采取符合本法要求的客户身complywiththerequirementsofthisLaw;wherethethirdpartyhasnotadoptedmeasuresfordeterminingcustomeridentitywhich份识别措施；第三方未采取符合本complywiththerequirementsofthisLaw,thefinancialinstitution法要求的客户身份识别措施的，由shallbeartheliabilityofnotfulfillingtheobligationofdeterminingcust
38、omeridentity.该金融机构承担未履行客户身份识别义务的责任。第十八条金融机构进行客户Article18.Whenafinancialinstitutionisdeterminingtheidentityofacustomer,itmayasitdeemnecessary,verifytherelevant身份识别，认为必要时，可以向公customersidentificationinformationwiththepublicsecurity安、工商行政管理等部门核实客户department,industryandcommerceadministrativedepartmentsan
39、dotherdepartments.的有关身份信息。第十九条金融机构应当按照Article19.Financialinstitutionsshallestablishasystemofretainingcustomeridentityinformationandtransactionrecords规定建立客户身份资料和交易记录pursuanttotheprovisions.保存制度。Whereacustomersidentityinformationchangeswhenthebusinessrelationshipisstillsubsistingandcontinuing,the在业务关系
40、存续期间，客户身customersidentityinformationmustbeupdatedpromptly.份资料发生变更的，应当及时更新Customeridentityinformationshallberetainedforatleastfive客户身份资料。yearsuponterminationofbusinessrelationship.Whenafinancialinstitutionundergoesbankruptcyanddissolution,客户身份资料在业务关系结束allcustomeridentityinformationandtransactionrecor
41、dsshallbe后、客户交易信息在交易结束后，handedovertoanagencydesignatedbytherelevantStateCouncildepartment.应当至少保存五年。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。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。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。第二H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
42、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。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。第四章反洗钱调查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Article 20. Financialinstitutionsshallexecutethesystemofreportinglargeamounttransactionsandsuspicioustransactionspursuanttotheprovisions.Wheretheamountinasingletransactionorth
43、ecumulativeamountoftransactionswithinastipulatedperiodcarriedoutbyafinancialinstitutionexceedsthestipulatedamount,thefinancialinstitutionshallreporttotheanti-moneylaunderinginformationcentrepromptly.Article 21. TheStateCouncilanti-moneylaunderingadministrativeauthorityandtherelevantStateCouncilfinan
44、cialsupervisionandadministrativedepartmentsshalljointlyformulatethespecificmeasuresonthesystemofdeterminingcustomeridentity,systemofretainingcustomeridentificationinformationandtransactionrecordsthatfinancialinstitutionsestablish.TheStateCouncilantimoneylaunderingadministrativeauthorityshallformulat
45、ethespecificmeasuresonreportinglargeamounttransactionsandsuspicioustransactionsbyfinancialinstitutions.Article 22. Financialinstitutionsshalldevelopanti-moneylaunderingtrainingandpublicitycampaignsaccordingtotherequirementsofpreventionandcontrolsystemsinanti-moneylaundering.CHAPTERIVANTI-MONEYLAUNDE
46、RINGINVESTIGATIONArticle 23. WheretheStateCouncilanti-moneylaunderingadministrativeauthorityoritsprovincialfirst-levelbranchdiscoverssuspicioustransactionswhichrequireinvestigationandverification,心tm-e人千皿、用木甘tmayinvestigatethefinancialinstitution,andthefinancial发现可疑交易活动，需要调查核实institutionshallcoopera
47、teandprovidetherelevantdocumentsand的，可以向金融机构进行调查，金materialstruthfully.融机构应当予以配合，如实提供有 关文件和资料。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杳通知Thereshallbeatleasttwoinvestigatorsforanyinvestigationintosuspicioustransactions,andtheinvestigatorsshallpresenttheirlegitimateidentitypassandthen
48、oticeofinvestigationissuedbytheStateCouncilanti-moneylaunderingadministrativeauthorityoritsprovincialfirst-levelbranch.Thefinancialinstitutionshallhavearighttorefuseinvestigationwheretherearelessthantwoinvestigatorsortheinvestigatorsfailtopresenttheirlegitimateidentitypassandthenoticeofinvestigation.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。第二十四条调查可疑交易活动，可以询问
