| | |
| Notice by the Anti-Money Laundering Bureau of the People's Bank of China of Issuing the Guidelines for the Self-assessment of Risks of Money Laundering and Financing of Terrorism of Incorporated Financial Institutions | | 中国人民银行反洗钱局关于印发《法人金融机构洗钱和恐怖融资风险自评估指引》的通知 |
| (No. 1 [2021] of the Anti-Money Laundering Bureau of the People's Bank of China, January 15, 2021) | | （银反洗发〔2021〕1号） |
| The anti-money laundering divisions of the Second Division of Financial Services of Shanghai Head Office of the People's Bank of China (“PBC”), all branches and operations offices of the PBC, and all central sub-branches of the PBC in capital cities of provinces (or autonomous regions) and sub-provincial cities; China Development Bank; and the anti-money laundering departments of all policy banks, large commercial banks, joint stock commercial banks, China UnionPay Co., Ltd., UnionPay International Co., Ltd., Rural Credit Banks Funds Clearing Center, Clearing Center for City Commercial Banks, China Life Insurance Co., Ltd., PICC Property and Casualty Company Limited, China Galaxy Securities Co., Ltd., and CITIC Securities Co., Ltd.: | | 中国人民银行上海总部金融服务二部，各分行、营业管理部，各省会（首府）城市中心支行，各副省级城市中心支行反洗钱处；国家开发银行，各政策性银行、大型商业银行、股份制商业银行，中国银联股份有限公司，银联国际有限公司，农信银资金清算中心，城市商业银行资金清算中心，中国人寿保险股份有限公司，中国人民财产保险股份有限公司，银河证券股份有限公司，中信证券股份有限公司反洗钱部门： |
| For the purposes of directing incorporated financial institutions to further carry out the requirements for the self-assessment of risks of money laundering and financing of terrorism, accelerating the transformation of anti-money laundering to risk-based efforts, and enhancing the anti-money laundering effectiveness in the financial system, the Anti-Money Laundering Bureau of the PBC has developed the Guidelines for the Self-assessment of Risks of Money Laundering and Financing of Terrorism of Incorporated Financial Institutions (hereinafter referred to as the “Guidelines”), which are hereby issued to you, and the relevant matters in the Guidelines are hereby announced as follows for your compliance and implementation. | | 为指导法人金融机构落实有关洗钱和恐怖融资风险自评估工作要求，加快反洗钱工作向风险为本转型，提升金融体系反洗钱工作有效性，中国人民银行反洗钱局制定了《法人金融机构洗钱和恐怖融资风险自评估指引》（以下简称《指引》），现印发给你们，并就《指引》中有关事项通知如下，请遵照执行。 |
| I. Work arrangements of financial institutions | | 一、金融机构工作安排 |
| (1) An incorporated financial institution shall, before December 31, 2021, develop or update its rules for the self-assessment of risks of money laundering and financing of terrorism, so as to satisfy the overall requirements of the Guidelines, and complete the first self-assessment based on the new rules before December 31, 2022. | | （一）法人金融机构应于2021年12月31日前制定或更新本机构洗钱和恐怖融资风险自评估制度，以符合《指引》的总体要求，并于2022年12月31日前完成基于新制度的首次自评估。 |
| (2) Where it is determined that some contents of the Guidelines are inapplicable to the institution and major adjustments need to be made to the assessment methods, indicators, flow or form of organization, among others, a report shall be made to the PBC head office or branch office having jurisdiction before June 30, 2021. | | （二）认定《指引》部分内容不适用本机构，需对评估方法、指标、流程或组织形式等作出重大调整的，应于2021年6月30日前向具有管辖权的人民银行总行或分支机构报告。 |
| (3) In case of any discrepancy between these Guidelines and the content of the Guidelines for the Management of Risks of Money Laundering and Financing of Terrorism of Incorporated Financial Institutions on institutions' self-assessment of money laundering risks, these Guidelines shall prevail. | | （三） 《法人金融机构洗钱和恐怖融资风险管理指引》有关机构洗钱风险自评估内容与本《指引》不一致的，以本《指引》为准。 |
| II. Regulatory Work Requirements | | 二、监管工作要求 |
| (1) Where the anti-money laundering department of the PBC or its branch office has different opinions after receiving the report of the incorporated financial institution on adjusting the application of the Guidelines, it shall give a feedback to the financial institution within 30 working days. | | （一）中国人民银行及分支机构反洗钱部门收到法人金融机构关于调整《指引》适用的报告后，如有不同意见，应在30个工作日内向金融机构反馈。 |
| (2) The anti-money laundering departments of the PBC and its branch offices shall take the self-assessment of risks of money laundering and financing of terrorism of incorporated financial institutions and the use of results as the focus of anti-money laundering regulation. | | （二）中国人民银行及分支机构反洗钱部门应当将法人金融机构洗钱和恐怖融资自评估开展情况及结果运用情况作为反洗钱监管重点。 |
| The anti-money laundering divisions of the PBC Shanghai Head Office, all branches and operations offices of the PBC, and all central sub-branches of the PBC in capital cities of provinces (or autonomous regions) and sub-provincial cities shall forward this Notice to the anti-money laundering departments of all joint stock commercial banks, urban commercial banks, rural commercial banks, rural cooperative banks, rural credit cooperatives, village banks, securities companies, futures brokerage companies, fund management companies, insurance companies, insurance asset management companies, trust companies, financial asset management companies, finance companies of enterprise groups, financial leasing companies, auto finance companies, consumer finance companies, currency brokerage companies, and other financial institutions and non-banking payment institutions, specialized insurance agencies, and insurance brokerage companies of which the headquarters are registered within their respective jurisdictions, and the anti-money laundering departments of institutions engaging in remittance, fund sale and online small-sum loan businesses. | | 请中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行，各副省级城市中心支行反洗钱处将本通知转发至总部注册于辖区内的各股份制商业银行、城市商业银行、农村商业银行、农村合作银行、农村信用社、村镇银行、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、信托公司、金融资产管理公司、企业集团财务公司、金融租赁公司、汽车金融公司、消费金融公司、货币经纪公司等金融机构和非银行支付机构、保险专业代理公司、保险经纪公司，以及汇兑、基金销售、网络小额贷款从业机构反洗钱部门。 |
| Annexes: | | 附件： |
| 1. Guidelines for the Self-assessment of Risks of Money Laundering and Financing of Terrorism of Incorporated Financial Institutions | | 1．法人金融机构洗钱和恐怖融资风险自评估指引 |
| 2. Template for the Self-assessment of Risks of Money Laundering and Financing of Terrorism of Incorporated Financial Institutions | | 2．法人金融机构洗钱和恐怖融资风险自评估模板 |
| Anti-Money Laundering Bureau of the People's Bank of China | | 中国人民银行反洗钱局 |
| January 15, 2021 | | 2021年1月15日 |
| Guidelines for the Self-assessment of Risks of Money Laundering and Financing of Terrorism of Incorporated Financial Institutions | | 法人金融机构洗钱和恐怖融资风险自评估指引 |
| Chapter I Overall Requirements | | 第一章 总体要求 |
| Article 1 For the purposes of further carrying out risk-based principles, directing incorporated financial institutions to implement the Opinions of the General Office of the State Council on Improving the Regulatory Systems and Mechanisms of Combating Money Laundering, Financing of Terrorism, and Tax Evasion, identifying and assessing the risks of money laundering and financing of terrorism (hereinafter referred to as “money laundering”), optimizing the allocation of resources for combating money laundering and financing of terrorism (hereinafter referred to as “anti-money laundering”), developing and implementing management strategies, policies and procedures commensurate with their risks, and enhancing the anti-money laundering effectiveness, these Guidelines are developed 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, and other applicable laws and regulations. | | 第一条 为深入实践风险为本原则，指导法人金融机构落实《国务院办公厅关于完善反洗钱、反恐怖融资、反逃税监管体制机制的意见》，识别、评估洗钱和恐怖融资（以下统称洗钱）风险，优化反洗钱和反恐怖融资（以下统称反洗钱）资源配置，制定和实施与其风险相称的管理策略、政策和程序，提升反洗钱工作有效性，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》等法律法规，制定本指引。 |
| Article 2 These Guideline shall apply to incorporated financial institutions and non-banking payment institutions legally formed within the territory of China (hereinafter referred to as “incorporated financial institutions”). | | 第二条 本指引适用于在中国境内依法设立的法人金融机构和非银行支付机构（以下统称法人金融机构）。 |
| Article 3 An incorporated financial institution shall conduct the self-assessment of money laundering risks under the following principles: | | 第三条 法人金融机构开展洗钱风险自评估应当遵循以下原则： |
| (1) Principle of comprehensiveness. It shall cover all operating regions, client groups, product businesses (including services), trading or delivery channels of the institution; cover all domestic and overseas branches and relevant departments of the headquarters relating to money laundering risk management; and fully consider risk factors of all aspects through all management links of decision-making, implementation and supervision. | | （一）全面性原则。覆盖本机构所有经营地域、客户群体、产品业务（含服务）、交易或交付渠道；覆盖境内外所有与洗钱风险管理相关的分支机构及总部有关部门；充分考虑各方面风险因素，贯穿决策、执行和监督的全部管理环节。 |
| (2) Principle of objectivity. Relevant data and information shall be collected in an objective and impartial manner, base on sufficient and complete facts, and efforts shall be made to disclose money laundering risks and management loopholes faced by the institution in a comprehensive and accurate manner. | | （二）客观性原则。以客观公正的态度收集有关数据和资料，以充分完整的事实为依据，力求全面准确地揭示本机构面临的洗钱风险和管理漏洞。 |
| (3) Principle of matching. The nature and extent of self-assessment of money laundering risks shall match the nature and size of operations of the incorporated financial institution. Any industry institution identified as an institution with a medium or lower risk level in the national money laundering risk assessment or the industry risk assessment report recognized by the PBC, or any institution with a relatively small size of operation, simple business types and a relatively small number of clients may simplify assessment procedures and content in an appropriate manner. | | （三）匹配性原则。洗钱风险自评估的性质与程度应当与法人金融机构自身经营的性质和规模相匹配，国家洗钱风险评估或中国人民银行认可的行业风险评估报告中认定为中等以下风险水平的行业机构，或经营规模较小、业务种类简单、客户数量较少的机构可适当简化评估流程与内容。 |
| (4) Principle of flexibility. An institution shall adjust self-assessment indicators and methods in a timely manner according to changes in such factors as business management, external environment, regulatory laws and regulations and money laundering risk status. For fields with relatively high risks, it shall shorten the self-assessment interval and enhance the self-assessment frequency. | | （四）灵活性原则。机构应根据经营管理、外部环境、监管法规、洗钱风险状况等因素的变化，及时调整自评估指标和方法。对于风险较高的领域，应当缩短自评估周期，提高自评估频率。 |
| Article 4 An incorporated financial institution shall establish specific rules for the self-assessment of money laundering risks based on these Guidelines. | | 第四条 法人金融机构应当在本指引的基础上制定具体的洗钱风险自评估制度。 |
| Where some contents mentioned in these Guidelines are inapplicable, the incorporated financial institution may make adjustments on the basis of full consideration of all risk factors and its actual circumstances, and file a report with the PBC head office or branch office having jurisdiction over the incorporated financial institution. It shall make necessary written records on the relevant adjustments and corresponding demonstration. | | 本指引所述部分内容不适用的，法人金融机构可以在充分考虑各项风险因素及本机构实际情况的基础上进行调整，并向对法人金融机构具有管辖权的人民银行总行或分支机构报告。有关调整及相应论证应有必要的书面记录。 |
| Article 5 The purpose of self-assessment of money laundering risks is to provide an institution with necessary foundation and basis for its money laundering risk management. An incorporated financial institution shall make full use of the results of its self-assessment of risks to ensure that the allocation of anti-money laundering resources and the strategies, policies and procedures for money laundering risk management are consistent with the risks identified in the assessment. | | 第五条 洗钱风险自评估目的是为机构洗钱风险管理工作提供必要基础和依据，法人金融机构应充分运用风险自评估结果，确保反洗钱资源配置、洗钱风险管理策略、政策和程序与评估所识别的风险相适应。 |
| Chapter II Assessment Content | | 第二章 评估内容 |
| Article 6 The self-assessment of money laundering risks of an incorporated financial institution includes the assessment of inherent risks, the effectiveness of control measures and residual risks. | | 第六条 法人金融机构洗钱风险自评估包括固有风险评估、控制措施有效性评估、剩余风险评估。 |
| The assessment of inherent risks reflects the possibility that an incorporated financial institution is used for money laundering and financing of terrorism without considering control measures. The assessment of the effectiveness of control measures shall reflect the effectiveness of control measures taken by the incorporated financial institution in managing and mitigating inherent risks, so as to assess the residual risks that have not been effectively managed and mitigated. | | 固有风险评估反映在不考虑控制措施的情况下，法人金融机构被利用于洗钱和恐怖融资的可能性。控制措施有效性评估反映法人金融机构所采取的控制措施对管理和缓释固有风险的有效程度，进而对尚未得到有效管理和缓释的剩余风险进行评估。 |
| An incorporated financial institution shall establish the indicators and models for the self-assessment of money laundering risks commensurate with its business size and complexity, ensure the effective identification of loopholes in risk management, and improve the accuracy and pertinence of its self-assessment conclusions. | | 法人金融机构应当建立与本机构经营规模与复杂程度相匹配的洗钱风险自评估指标和模型，确保有效识别风险管理漏洞，提高自评估结论的准确性和针对性。 |
| Article 7 The following aspects shall be considered in the assessment of inherent risks of an incorporated financial institution: | | 第七条 法人金融机构固有风险评估应当考虑以下方面： |
| (1) Regional environment. | | （一）地域环境； |
| (2) Client groups. | | （二）客户群体； |
| (3) Product businesses (including services). | | （三）产品业务（含服务）； |
| (4) Channels (including trading or delivery channels) | | （四）渠道（含交易或交付渠道）。 |
| The incorporated financial institution shall design scientific and rational indicators of inherent risks so as to ensure the sufficient consideration of various types of risk factors. | | 法人金融机构应当设计科学、合理的固有风险指标，确保充分考虑各类风险因素。 |
| Article 8 When assessing the inherent risks of the regional environment, an incorporated financial institution shall take into full consideration the regions covered by its business premises, and assess regional risks in all regions within the territory of China and all overseas judicial jurisdictions respectively. In principle, domestic regions shall be divided according to administrative divisions at the next lower level within the scope of operating regions, for example, national institutions shall be divided based on provinces or the headquarters' branch management structure. The assessment of regions with similar geographical locations and similar operations may be conducted on a consolidated basis. | | 第八条 法人金融机构在评估地域环境的固有风险时，应当全面考虑经营场所覆盖地域，分别评估境内各地区和境外各司法管辖区地域风险，境内地区划分原则上按经营地域范围内的下一级行政区划划分，如全国性机构按省划分，或按总部对分支机构管理结构划分。对于地理位置相近、经营情况类似的地域可合并评估。 |
| The following factors may be taken into account in the assessment of inherent risks of various regions. | | 对各地域的固有风险评估可考虑以下因素： |
| (1) Local situations of money laundering, financing of terrorism and (in a broad sense) upstream crimes, whether they are adjacent to overseas countries and regions with active money laundering, financing of terrorism, upstream crimes and terrorist activities, or belong to countries and regions with relatively high risks (at least including high-risk countries and regions called for by the Financial Action Task Force to take actions and the countries and regions that shall strengthen monitoring, or may refer to the list of international organizations on the heavens of tax evasion, among others, hereinafter referred to as “countries or regions with relatively high risks”). | | （一）当地洗钱、恐怖融资与（广义）上游犯罪形势，是否毗邻洗钱、恐怖融资或上游犯罪、恐怖主义活动活跃的境外国家和地区，或是否属于较高风险国家和地区（至少包括金融行动特别工作组呼吁采取行动的高风险国家、地区和应加强监控的国家、地区，也可参考国际组织有关避税天堂名单等，以下简称较高风险和地区）； |
| (2) Number of clients, transaction amount, and asset size, among others, involved in these regions in the course of accepting the criminal inquiries, freezing and deduction of deposits made by judicial organs, as well as in the course of the inquiries, freezing and deduction of deposits made by supervisory organs and public security organs (hereinafter referred to as “criminal inquiries, freezing and deduction”). | | （二）接受司法机关刑事查询、冻结、扣划和监察机关、公安机关查询、冻结、扣划（以下简称刑事查冻扣）中涉及该地区的客户数量、交易金额、资产规模等； |
| (3) Number of local general and key suspicious transactions reported by the institution, number of clients and transaction amount. | | （三）本机构上报的涉及当地的一般可疑交易和重点可疑交易报告数量及客户数量、交易金额； |
| (4) Number of local outlets, number of clients, asset size of clients, transaction amount and market share of the institution. | | （四）本机构在当地网点数量、客户数量、客户资产规模、交易金额及市场占有率水平。 |
| Article 9 When assessing the inherent risks of client groups, an incorporated financial institution shall fully consider the scope and structure of client groups to which it provides services, and assess the inherent risks of all major client groups separately. Client groups may be divided in light of the institution's classification of clients for management, such as individual clients, corporate clients, and institutional clients, and a qualified institution may further focus on groups with outstanding money laundering risks based on such aspects as industry (profession), main business handling and ways of establishing business relations. At the same time, client groups with high-risk characteristics shall also be assessed, such as political public figures and non-resident clients. | | 第九条 法人金融机构在评估客户群体的固有风险时，应当全面考虑本机构服务客户群体范围和结构，分别评估各主要客户群体固有风险。客户群体划分可结合本机构对客户管理的分类，如个人客户、公司客户、机构客户等，有条件的机构可按照行业（职业）或主要办理业务、建立业务关系方式等角度进一步聚焦洗钱风险突出的群体。同时，也应对具有高风险特征的客户群体进行评估，如政治公众人物客户、非居民客户。 |
| The following factors may be considered in assessing the inherent risks of each client group. | | 对各客户群体的固有风险评估可考虑以下因素： |
| (1) The number of clients, asset size, transaction amount and the corresponding proportion. | | （一）客户数量、资产规模、交易金额及相应占比； |
| (2) The number and proportion of clients involved in criminal inquiries, freezing and deduction by the competent authority and investigation by the PBC. | | （二）客户涉有权机关刑事查冻扣、涉人民银行调查的数量与比例； |
| (3) The integrity and richness of clients' identity information, and the degree of understanding the background and purpose of clients' transactions. | | （三）客户身份信息完整、丰富程度和对客户交易背景、目的了解程度； |
| (4) The distribution of different ways for identifying clients, such as the ratio of verifying the identity in person, verifying the identity by reliable technical means and identifying through a third-party institution. | | （四）识别客户身份不同方式的分布，如当面核实身份、或采取可靠的技术手段核实身份、通过第三方机构识别身份的比例； |
| (5) The distribution structure of risk ratings of clients. | | （五）客户风险等级划分的分布结构； |
| (6) The equity or control right structure of clients that are not natural persons, and the risk of being subject to the same controller. | | （六）非自然人客户的股权或控制权结构，存在同一控制人风险的情况； |
| (7) The circumstance that clients come from countries or regions with relatively high risks. | | （七）客户来自较高风险国家或地区的情况； |
| (8) The type and corresponding scale of high-risk businesses (such as cash and cross-border business and high-value transfer) handled by the client. | | （八）客户办理高风险业务（如现金、跨境、高额价值转移等）的种类和相应的规模； |
| (9) The number of suspicious transactions reported by the client and proportion of different management and control measures. | | （九）客户涉可疑交易报告的数量及不同管控措施的比例； |
| (10) The number and proportion of clients of high-risk industries or occupations. | | （十）客户属于高风险行业或职业的数量、比例； |
| (11) Whether such type of clients is a group at high risk of money laundering or upstream crimes. | | （十一）该类型客户是否属于洗钱或上游犯罪高风险群体； |
| (12) The list of client groups subject to targeted financial sanctions imposed by the United Nations and other lists of combating money laundering and financing of terrorism that shall be concerned as required by the PBC, or the proportion of the aforesaid lists to which their counterparties are involved. | | （十二）客户群体涉联合国定向金融制裁名单及其他人民银行要求关注的反洗钱和反恐怖融资监控名单，或其交易对手涉以上名单的比例。 |
| ．．．．．． | | ．．．．．． |
Dear visitor,you are attempting to view a subscription-based section of lawinfochina.com. If you are already a subscriber, please login to enjoy access to our databases . If you are not a subscriber, please subscribe . Should you have any questions, please contact us at:
+86 (10) 8268-9699 or +86 (10) 8266-8266 (ext. 153)
Mobile: +86 133-1157-0713
Fax: +86 (10) 8266-8268
database@chinalawinfo.com
| |
您好：您现在要进入的是北大法律英文网会员专区，如您是我们英文用户可直接 登录，进入会员专区查询您所需要的信息；如您还不是我们 的英文用户，请注册并交纳相应费用成为我们的英文会员 。如有问题请来电咨询；
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail: database@chinalawinfo.com
|
| | | |
| | | |