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| Order of the People's Bank of China, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission | | 中国人民银行、中国银行保险监督管理委员会、中国证券监督管理委员会令 |
| (No. 1 [2022]) | | （〔2022〕第1号） |
| The Measures for the Administration of Client Due Diligence and Preservation of Client Identity Materials and Transaction Records by Financial Institutions, as deliberated and adopted at the 10th executive meeting of the People's Bank of China in 2021 on October 29, 2021 and examined and signed by the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission, are hereby issued and shall come into force on March 1, 2022. | | 《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》已经2021年10月29日中国人民银行2021年第10次行务会议审议通过和银保监会、证监会审签，现予发布，自2022年3月1日起施行。 |
| Yi Gang, Governor of the People's Bank of China | | 中国人民银行行长 易纲 |
| Guo Shuqing, Chairman of the China Banking and Insurance Regulatory Commission | | 银保监会主席 郭树清 |
| Yi Huiman, Chairman of the China Securities Regulatory Commission | | 证 监 会主席 易会满 |
| January 19, 2022 | | 2022年1月19日 |
| Measures for the Administration of Client Due Diligence and Preservation of Client Identity Materials and Transaction Records by Financial Institutions | | 金融机构客户尽职调查和客户身份资料及交易记录保存管理办法 |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 These Measures are developed in accordance with the Anti-money Laundering Law of the People's Republic of China, the Counterrorism Law of the People's Republic of China, and other applicable laws and administrative regulations for the purposes of preventing and curbing money laundering and terrorist financing, regulating client due diligence and preservation of client identity materials and transaction records by financial institutions, and safeguarding national security and maintaining the financial order. | | 第一条 为了预防和遏制洗钱和恐怖融资活动，规范金融机构客户尽职调查、客户身份资料及交易记录保存行为，维护国家安全和金融秩序，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、行政法规的规定，制定本办法。 |
| Article 2 These Measures shall apply to the following financial institutions legally established within the territory of the People's Republic of China. | | 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： |
| (1) Development financial institutions, policy banks, commercial banks, rural cooperative banks, rural credit cooperatives, and village banks. | | （一）开发性金融机构、政策性银行、商业银行、农村合作银行、农村信用合作社、村镇银行； |
| (2) Securities companies, futures companies, and securities investment fund management companies. | | （二）证券公司、期货公司、证券投资基金管理公司； |
| (3) Insurance companies and insurance asset management companies. | | （三）保险公司、保险资产管理公司； |
| (4) Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies, currency brokerage companies, loan companies, and wealth management companies. | | （四）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、贷款公司、理财公司； |
| (5) Other institutions engaged in the financial business as determined and announced by the People's Bank of China (“PBC”). | | （五）中国人民银行确定并公布的从事金融业务的其他机构。 |
| Where non-banking payment institutions, bank card clearing institutions, fund clearing centers, and institutions engaging in remittance, fund share sales, insurance agency, and insurance brokerage perform their obligations of client due diligence and preservation of client identity materials and transaction records, the provisions of these Measures on financial institutions shall apply. | | 非银行支付机构、银行卡清算机构、资金清算中心以及从事汇兑业务、基金销售业务、保险专业代理和保险经纪业务的机构履行客户尽职调查、客户身份资料及交易记录保存义务适用本办法关于金融机构的规定。 |
| Article 3 A financial institution shall act with due diligence, follow the principle of “knowing your clients,” identify and verify the identities of clients and their beneficial owners, and take corresponding due diligence measures against clients, business relations, or transactions with different risk characteristics of money laundering and terrorist financing. | | 第三条 金融机构应当勤勉尽责，遵循“了解你的客户”的原则，识别并核实客户及其受益所有人身份，针对具有不同洗钱或者恐怖融资风险特征的客户、业务关系或者交易，采取相应的尽职调查措施。 |
| A financial institution shall take continuous due diligence measures during the existence of business relations with clients. For any circumstance with relatively high risks of money laundering or terrorist financing, a financial institution shall take corresponding enhanced due diligence measures, and when necessary, shall refuse to establish business relations or conduct the transaction, or terminate existing business relations. | | 金融机构在与客户业务存续期间，应当采取持续的尽职调查措施。针对洗钱或者恐怖融资风险较高的情形，金融机构应当采取相应的强化尽职调查措施，必要时应当拒绝建立业务关系或者办理业务，或者终止已经建立的业务关系。 |
| Article 4 A financial institution shall, under the principles of security, accuracy, completeness, and confidentiality, properly preserve its client identity materials and transaction records and ensure that each transaction is reproduceable, so as to provide necessary information for conducting client due diligence, monitoring and analysis of transactions, investigating suspicious transactions, and investigating and handling the cases on money laundering and terrorist financing. | | 第四条 金融机构应当按照安全、准确、完整、保密的原则，妥善保存客户身份资料及交易记录，确保足以重现每笔交易，以提供客户尽职调查、监测分析交易、调查可疑交易活动以及查处洗钱和恐怖融资案件所需的信息。 |
| Article 5 A financial institution shall, in accordance with these Measures and the legal provisions on anti-money laundering and counter-terrorist financing, and in light of the risks of money laundering and terrorist financing faced by it, establish and improve internal control rules for client due diligence and preservation of client identity materials and transaction records, and other aspects, audit and assess on a periodical basis whether the internal control rules are sound and effective, and amend and improve relevant rules in a timely manner. | | 第五条 金融机构应当根据本办法以及反洗钱和反恐怖融资相关法律规定，结合金融机构面临的洗钱和恐怖融资风险状况，建立健全客户尽职调查、客户身份资料及交易记录保存等方面的内部控制制度，定期审计、评估内部控制制度是否健全、有效，及时修改和完善相关制度。 |
| A financial institution shall reasonably design its business flow and operating specifications to ensure the effective implementation of the rules for client due diligence and preservation of client identity materials and transaction records. | | 金融机构应当合理设计业务流程和操作规范，以保证客户尽职调查、客户身份资料及交易记录保存制度有效执行。 |
| Article 6 A financial institution shall, at the headquarter level, make unified arrangements for client due diligence and the preservation of client identity materials and transaction records and formulate the rules and procedures for the sharing of information on anti-money laundering and counter-terrorist financing, so as to ensure effective client due diligence and the management of risks of money laundering and terrorist financing. | | 第六条 金融机构应当在总部层面对客户尽职调查、客户身份资料及交易记录保存工作作出统一部署或者安排，制定反洗钱和反恐怖融资信息共享制度和程序，以保证客户尽职调查、洗钱和恐怖融资风险管理工作有效开展。 |
| A financial institution shall supervise and administer the implementation of client due diligence rules and the rules for the preservation of client identity materials and transaction records by its branches. | | 金融机构应当对其分支机构执行客户尽职调查制度、客户身份资料及交易记录保存制度的情况进行监督管理。 |
| A financial institution shall require its overseas branches and subsidiaries to implement the relevant requirements of these Measures within the extent permitted by the laws of the countries or regions where they are located; if a country or region where such a branch or subsidiary is located has stricter requirements, such requirements shall prevail. If the requirements of these Measures are stricter than the relevant provisions of the country or region where the branch or subsidiary of a financial institution is located, but the laws of such country or region prohibit or restrict such overseas branch or subsidiary from implementing these Measures, the financial institution shall take appropriate measures to deal with the risks of money laundering and terrorist financing and file a report with the PBC. | | 金融机构应当要求其境外分支机构和附属机构在驻在国家或地区法律规定允许的范围内，执行本办法的有关要求，驻在国家或地区有更严格要求的，遵守其规定。如果本办法的要求比驻在国家或地区的相关规定更为严格，但驻在国家或地区法律禁止或者限制境外分支机构和附属机构实施本办法的，金融机构应当采取适当措施应对洗钱和恐怖融资风险，并向中国人民银行报告。 |
| Chapter II Client Due Diligence | | 第二章 客户尽职调查 |
| Section 1 General Provisions | | 第一节 一般规定 |
| Article 7 During the period when a financial institution establishes business relations, handles a one-off transaction above the specified amount, or maintains business relations with a client, if it suspects that the client and its transaction are suspected of involvement in money laundering or terrorist financing, or has doubt about the veracity, validity, or completeness of the previously obtained client identity materials, it shall conduct client due diligence and take the following due diligence measures: | | 第七条 金融机构在与客户建立业务关系、办理规定金额以上一次性交易和业务关系存续期间，怀疑客户及其交易涉嫌洗钱或恐怖融资的，或者对先前获得的客户身份资料的真实性、有效性或完整性存疑的，应当开展客户尽职调查，采取以下尽职调查措施： |
| (1) It shall identify the client and verify client identity through well-sourced and independent supporting materials, data, or information. | | （一）识别客户身份，并通过来源可靠、独立的证明材料、数据或者信息核实客户身份； |
| (2) It shall know the purpose and nature of the client's business relations and transactions, and obtain relevant information according to the risk status. | | （二）了解客户建立业务关系和交易的目的和性质，并根据风险状况获取相关信息； |
| (3) For any circumstance with relatively high risks of money laundering or terrorist financing, it shall know the source and use of the client's funds, and take enhanced due diligence measures according to the risk status. | | （三）对于洗钱或者恐怖融资风险较高的情形，了解客户的资金来源和用途，并根据风险状况采取强化的尽职调查措施； |
| (4) During the existence of business relations, it shall take continuous due diligence measures for the client and examine the status of the client and the transactions thereof to confirm that various services and transactions provided for the client are in line with the financial institution's understanding of the client's identity background, business needs, risk status, the source and use of funds, and other aspects. | | （四）在业务关系存续期间，对客户采取持续的尽职调查措施，审查客户状况及其交易情况，以确认为客户提供的各类服务和交易符合金融机构对客户身份背景、业务需求、风险状况以及对其资金来源和用途等方面的认识； |
| (5) If the client is a legal person or an unincorporated organization, it shall identify and take reasonable measures to verify the beneficial owner of the client. | | （五）对于客户为法人或者非法人组织的，识别并采取合理措施核实客户的受益所有人。 |
| The financial institution shall determine the extent and specific methods of client due diligence measures based on differences in risk status, shall not take due diligence measures that are evidently inconsistent with risk status, and shall strike a good balance between risk prevention and service optimization. | | 金融机构应当根据风险状况差异化确定客户尽职调查措施的程度和具体方式，不应采取与风险状况明显不符的尽职调查措施，把握好防范风险与优化服务的平衡。 |
| Article 8 No financial institution shall provide services for or conduct transactions with unidentified clients, open anonymous or pseudonymous accounts for clients, or falsely use the identity of any other person to open accounts for clients. | | 第八条 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，不得为冒用他人身份的客户开立账户。 |
| Article 9 A development financial institution, policy bank, commercial bank, rural cooperative bank, rural credit cooperative, village bank, or any other financial institution or any institution engaging in remittance shall, when providing the following services, conduct client due diligence, register the basic identity information of clients, and retain the copies or photocopies of clients' valid identity certificates or other identifications. | | 第九条 开发性金融机构、政策性银行、商业银行、农村合作银行、农村信用合作社、村镇银行等金融机构和从事汇兑业务的机构在办理以下业务时，应当开展客户尽职调查，并登记客户身份基本信息，留存客户有效身份证件或者其他身份证明文件的复印件或者影印件： |
| (1) Establishing business relations with clients by such means as opening accounts or through other agreements. | | （一）以开立账户或者通过其他协议约定等方式与客户建立业务关系的； |
| (2) Providing cash remittance, cash exchange, payment of negotiable instruments, trading of physical precious metal, sale of various financial products, or other one-off transactions for a client that has not opened an account at it, with each single transaction in the amount of 50,000 yuan or more or an equivalent value of 10,000 US dollars or more in foreign currencies. | | （二）为不在本机构开立账户的客户提供现金汇款、现钞兑换、票据兑付、实物贵金属买卖、销售各类金融产品等一次性交易且交易金额单笔人民币5万元以上或者外币等值1万美元以上的。 |
| Article 10 Where a commercial bank, rural cooperative bank, rural credit cooperative, village bank, or any other financial institution handles for its natural person client a single transaction of cash deposit and withdrawal in the amount of 50,000 yuan or more or an equivalent value of 10,000 US dollars or more in foreign currencies, it shall identify and verify the client's identity, and know and register the source or use of funds. | | 第十条 商业银行、农村合作银行、农村信用合作社、村镇银行等金融机构为自然人客户办理人民币单笔5万元以上或者外币等值1万美元以上现金存取业务的，应当识别并核实客户身份，了解并登记资金的来源或者用途。 |
| Article 11 When a financial institution provides safe deposit box services, it shall identify the actual user of the safe deposit box, register the actual user's name, contact information, and type, number and validity period of his or her valid identity certificate or other identifications, and retain the copies or photocopies of the actual user's valid identity certificate or other identifications. | | 第十一条 金融机构提供保管箱服务时，应当了解保管箱的实际使用人，登记实际使用人的姓名、联系方式、有效身份证件或者其他身份证明文件的种类、号码和有效期限，并留存实际使用人有效身份证件或者其他身份证明文件的复印件或者影印件。 |
| Article 12 A securities company, futures company, securities investment fund management company or any other institution engaging in fund sales shall, when providing the following services for clients, conduct client due diligence, register the basic identity information of clients, and retain the copies or photocopies of clients' valid identity certificates or other identifications. | | 第十二条 证券公司、期货公司、证券投资基金管理公司以及其他从事基金销售业务的机构在为客户办理以下业务时，应当开展客户尽职调查，并登记客户身份基本信息，留存客户有效身份证件或者其他身份证明文件的复印件或者影印件： |
| (1) Brokerage services. | | （一）经纪业务； |
| (2) Asset management services. | | （二）资产管理业务； |
| (3) Selling various financial products to a client that has not opened an account at it, with each single transaction in the amount of 50,000 yuan or more or an equivalent value of 10,000 US dollars or more in foreign currencies. | | （三）向不在本机构开立账户的客户销售各类金融产品且交易金额单笔人民币5万元以上或者外币等值1万美元以上的； |
| (4) Credit transactions such as margin trading, stock pledge, and agreed repurchase. | | （四）融资融券、股票质押、约定购回等信用交易类业务； |
| (5) OTC derivatives trading and other OTC services. | | （五）场外衍生品交易等柜台业务； |
| (6) Underwriting and sponsorship, financial advisory services for the mergers, acquisitions, and restructurings of listed companies, trusteeship of corporate bonds, recommendation of unlisted public companies, asset securitization, and other services. | | （六）承销与保荐、上市公司并购重组财务顾问、公司债券受托管理、非上市公众公司推荐、资产证券化等业务； |
| (7) Other securities services that shall be subject to client due diligence as provided for by the PBC and the China Securities Regulatory Commission (“CSRC”). | | （七）中国人民银行和中国证券监督管理委员会规定的应当开展客户尽职调查的其他证券业务。 |
| Article 13 When an insurance company enters into a life insurance contract or an insurance contract of an investment nature with a client, it shall conduct client due diligence to confirm the relationship between the insurance applicant and the insured and between the insured and the beneficiary, register the basic identity information of the insurance applicant, and retain the copies or photocopies of the insurance applicant's valid identity certificate or other identifications. It shall identify and verify the identity of the insured and the beneficiary, register the name, contact information, and type, number, and validity period of valid identity certificates or other identifications of the insured and the beneficiary, and retain the copies or photocopies of the valid identity certificates or other identifications of the insured and the beneficiary. If the aforesaid insurance contract does not explicitly designate the beneficiary but designates the beneficiary through characterization, statutory succession, or other means, the insurance company shall identify and verify the identity of the beneficiary when specifying the identity of the beneficiary or paying the indemnity or insurance benefits. | | 第十三条 保险公司在与客户订立人寿保险合同和具有投资性质的保险合同时，应当开展客户尽职调查，确认投保人和被保险人之间的关系，以及被保险人和受益人之间的关系，登记投保人身份基本信息，并留存投保人有效身份证件或者其他身份证明文件的复印件或者影印件；识别并核实被保险人、受益人的身份，登记被保险人、受益人的姓名或者名称、联系方式、有效身份证件或者其他身份证明文件的种类、号码和有效期限，并留存被保险人、受益人有效身份证件或者其他身份证明文件的复印件或者影印件。当上述保险合同未明确指定受益人，而是通过特征描述、法定继承或者其他方式指定受益人时，保险公司应当在明确受益人身份或者赔偿或给付保险金时识别并核实受益人身份。 |
| When an insurance company concludes with a client a property insurance contract or a health insurance, accident insurance, or any other personal insurance contract with an insurance premium of 50,000 yuan or more or an equivalent value of 10,000 US dollars or more in foreign currencies, it shall identify and verify the identity of the insurance applicant and the insured, register the name, contact information, type, number, and validity period of the valid identity certificates or other identifications of the insurance applicant, the insured, and the beneficiary, and retain the copies or photocopies of the valid identity certificate or other identifications of the insurance applicant. | | 对于保险费金额人民币5万元以上或者外币等值1万美元以上的财产保险合同和健康保险、意外伤害保险等人身保险合同，保险公司在与客户订立保险合同时，应当识别并核实投保人、被保险人身份，登记投保人、被保险人、受益人的姓名或者名称、联系方式、有效身份证件或者其他身份证明文件的种类、号码和有效期限，并留存投保人有效身份证件或者其他身份证明文件的复印件或者影印件。 |
| Article 14 When a client applies for rescinding an insurance contract or reduction of the insurance amount or applies for a policy loan, if the refunded insurance premium or the amount of the loan provided is 10,000 yuan or more or an equivalent value of 1,000 US dollars or more in foreign currencies, the insurance company shall require the applicant to present the insurance contract or insurance policy, verify the identity of the applicant, register the reasons for canceling the insurance contract, reducing the insurance amount, or applying for a policy loan, and refund the insurance premium or provide the loan to the applicant's own account. If such insurance premium cannot be refunded or such loan cannot be provided to the insurance applicant's own account under special circumstances, the reason therefor must be registered and the appropriate approval must be granted by the senior management. | | 第十四条 在客户申请解除保险合同、减保或者办理保单贷款时，如退还的保险费或者提供的贷款金额为人民币1万元以上或者外币等值1000美元以上的，保险公司应当要求申请人出示保险合同或者保险凭证，核实申请人身份，登记退保、减保或者办理保单贷款原因，将保险费退还或者发放至投保人本人账户，如遇特殊情况无法将保险费退还或者发放至投保人本人账户的，需登记原因并经高级管理层批准。 |
| Article 15 When an insurance company pays indemnity or insurance benefits under a life insurance contract or any other insurance contract of an investment nature, it shall verify the identity of the insured and the beneficiary, and retain the copies or photocopies of the beneficiary's valid identity certificate or other identifications. | | 第十五条 对于人寿保险合同和其他具有投资性质的保险合同，保险公司在赔偿或者给付保险金时，应当核实被保险人、受益人身份，并留存受益人有效身份证件或者其他身份证明文件的复印件或者影印件。 |
| When the insured or the beneficiary requests indemnity from the insurance company under a property insurance contract or a health insurance, accident insurance, or any other personal insurance contract, if the amount is 50,000 yuan or more or an equivalent value of 10,000 US dollars or more in foreign currencies, the insurance company shall identify and verify the identity of the insured or the beneficiary, register the name, contact information, type, number, and validity period of the valid identity certificate or other identifications of the insured or the beneficiary, and retain the copies or photocopies of the valid identity certificate or other identifications of the insured or the beneficiary. | | 对于财产保险合同和健康保险、意外伤害保险等人身保险合同，当被保险人或者受益人请求保险公司赔偿时，如金额为人民币5万元以上或者外币等值1万美元以上的，保险公司应当识别并核实被保险人或者受益人身份，登记被保险人或者受益人的姓名或者名称、联系方式、有效身份证件或者其他身份证明文件的种类、号码和有效期限，并留存被保险人或者受益人有效身份证件或者其他身份证明文件的复印件或者影印件。 |
| The insurance company shall pay the insurance benefits into the account of the policy beneficiary, the insured, or the designated payee. If the insured or the beneficiary requests the payment of insurance benefits to a third party other than the insured, the beneficiary, or the designated payee, the insurance company shall confirm the relationship between the insured and the actual payee, or between the beneficiary and the actual payee, identify and verify the identity of the actual payee, register the name, contact information, type, number, and validity period of the valid identity certificate or other identifications of the actual payee, and retain the copies or photocopies of the valid identity certificate or other identifications of the actual payee. | | 保险公司应当将保险金支付给保单受益人、被保险人或者指定收款人的账户。对于被保险人或者受益人请求将保险金支付给被保险人、受益人、指定收款人以外第三人的，保险公司应当确认被保险人和实际收款人之间的关系，或者受益人和实际收款人之间的关系，识别并核实实际收款人身份，登记实际收款人的姓名或者名称、联系方式、有效身份证件或者其他身份证明文件的种类、号码和有效期限，并留存实际收款人有效身份证件或者其他身份证明文件的复印件或者影印件。 |
| Article 16 Where an insurance company concludes a pension security management contract with a client, it shall identify and verify the identity of the client, register the basic identity information of the client, and retain the copies or photocopies of the client's valid identity certificate or other identifications. When handling the withdrawal of funds, if the amount is 50,000 yuan or more or an equivalent value of 10,000 US dollars or more in foreign currencies, the insurance company shall identify and verify the identity of the beneficiary. | | 第十六条 保险公司在与客户订立养老保障管理合同时，应当识别并核实委托人身份，登记委托人身份基本信息，并留存委托人有效身份证件或者其他身份证明文件的复印件或者影印件；在办理资金领取时，如金额为单笔人民币5万元以上或者外币等值1万美元以上的，保险公司应当识别并核实受益人身份。 |
| Article 17 When providing the following services, a non-banking payment institution shall conduct client due diligence, register the basic identity information of clients, and retain the copies or photocopies of clients' valid identity certificates or other identifications. | | 第十七条 非银行支付机构在办理以下业务时，应当开展客户尽职调查，并登记客户身份基本信息，留存客户有效身份证件或者其他身份证明文件的复印件或者影印件： |
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