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Notice of the China Insurance Regulatory Commission on Issuing the Measures for the Administration of Anti-money Laundering Work in the Insurance Sector
(No. 52 [2011] of the China Insurance Regulatory Commission)
All local CIRC offices; all insurance companies and insurance asset management companies; and all specialized insurance agency companies and insurance brokerage companies:
To further strengthen anti-money laundering work in the insurance sector and prevent money laundering risks, this Commission has formulated the Measures for the Administration of Anti-money Laundering Work in the Insurance Sector, which are hereby issued to you for your compliance and implementation.
September 13, 2011
Measures for the Administration of Anti-money Laundering Work in the Insurance Sector
| | 中国保险监督管理委员会关于印发《保险业反洗钱工作管理办法》的通知
（保监发〔2011〕52号）
各保监局，各保险公司、保险资产管理公司，各保险专业代理公司、保险经纪公司：
为进一步加强保险业反洗钱工作，防范洗钱风险，我会制定了《保险业反洗钱工作管理办法》，现印发给你们，请遵照执行。
二〇一一年九月十三日
保险业反洗钱工作管理办法
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Chapter I General Provisions
| | 第一章 总则
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Article 1 To effectively combat money laundering in the insurance sector and promote the sustainable and healthy development of the sector, these Measures are formulated in accordance with the Anti-money Laundering Law of the People's Republic of China, the Insurance Law of the People's Republic of China and other relevant laws, regulations, departmental rules and regulatory documents.
| | 第一条 为做好保险业反洗钱工作，促进行业持续健康发展，根据《中华人民共和国反洗钱法》、《中华人民共和国保险法》等有关法律法规、部门规章和规范性文件，制定本办法。
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Article 2 The China Insurance Regulatory Commission (hereinafter referred to as the “CIRC”) shall perform the functions of supervising anti-money laundering work in the insurance sector in accordance with the relevant laws and regulations and the authorization from the State Council.
The dispatched offices of the CIRC shall, in accordance with these Measures, perform the functions of supervising anti-money laundering work within the scope authorized by the CIRC.
| | 第二条 中国保险监督管理委员会（以下简称“中国保监会”）根据有关法律法规和国务院授权，履行保险业反洗钱监管职责。
中国保监会派出机构根据本办法的规定，在中国保监会授权范围内履行反洗钱监管职责。
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Article 3 These Measures shall apply to insurance companies, insurance asset management companies, and branches thereof; specialized insurance agency companies, insurance brokerage companies, and branches thereof; and financial institutions engaged in sideline insurance agency.
| | 第三条 本办法适用于保险公司、保险资产管理公司及其分支机构，保险专业代理公司、保险经纪公司及其分支机构，金融机构类保险兼业代理机构。
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Chapter II Insurance Regulatory Functions
| | 第二章 保险监管职责
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Article 4 The CIRC shall organize, coordinate and guide anti-money laundering work in the insurance sector, and perform the following anti-money laundering functions according to law:
| | 第四条 中国保监会组织、协调、指导保险业反洗钱工作，依法履行下列反洗钱职责：
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1. participating in the making of policies, plans and departmental rules regarding anti-money laundering work in the insurance sector, and assisting the anti-money laundering administrative department of the State Council in the supervision of anti-money laundering work in the insurance sector;
| | （一）参与制定保险业反洗钱政策、规划、部门规章，配合国务院反洗钱行政主管部门对保险业实施反洗钱监管；
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2. making rules regarding the supervision of anti-money laundering work in the insurance sector, putting forward anti-money laundering requirements for access to the insurance market, and carrying out anti-money laundering examination, supervision and inspection;
| | （二）制定保险业反洗钱监管制度，对保险业市场准入提出反洗钱要求，开展反洗钱审查和监督检查；
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3. cooperating in anti-money laundering supervision;
| | （三）参加反洗钱监管合作；
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4. organizing anti-money laundering training and publicity;
| | （四）组织开展反洗钱培训宣传；
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5. assisting the judicial authorities in investigating and handling cases involving money laundering; and
| | （五）协助司法机关调查处理涉嫌洗钱案件；
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6. performing other anti-money laundering functions according to law.
| | （六）其他依法履行的反洗钱职责。
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Article 5 A dispatched office of the CIRC shall perform the following anti-money laundering functions according to law within the scope authorized by the CIRC:
| | 第五条 中国保监会派出机构在中国保监会授权范围内，依法履行下列反洗钱职责：
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1. making regulatory documents regarding anti-money laundering work in the insurance sector within its jurisdiction, and carrying out anti-money laundering examination, supervision and inspection;
| | （一）制定辖内保险业反洗钱规范性文件，开展反洗钱审查和监督检查；
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2. reporting to the CIRC on anti-money laundering work in the insurance sector within its jurisdiction;
| | （二）向中国保监会报告辖内保险业反洗钱工作情况；
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3. cooperating in anti-money laundering supervision within its jurisdiction;
| | （三）参加辖内反洗钱监管合作；
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4. organizing anti-money laundering training and publicity in the insurance sector within its jurisdiction;
| | （四）组织开展辖内保险业反洗钱培训宣传；
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5. assisting the judicial authorities in investigating and handling cases involving money laundering; and
| | （五）协助司法机关调查处理涉嫌洗钱案件；
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6. performing other anti-money laundering functions authorized by the CIRC.
| | （六）中国保监会授权的其他反洗钱职责。
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Chapter III Anti-money Laundering Obligations of the Insurance Sector
| | 第三章 保险业反洗钱义务
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Article 6 Insurance companies, insurance asset management companies, specialized insurance agency companies, and insurance brokerage companies shall, on the basis of real-name insurance policies, enhance their internal control in anti-money laundering work under the principles of maintaining the integrity of client information, creating traceable transaction records and standardizing the flow of funds.
| | 第六条 保险公司、保险资产管理公司和保险专业代理公司、保险经纪公司应当以保单实名制为基础，按照客户资料完整、交易记录可查、资金流转规范的工作原则，切实提高反洗钱内控水平。
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Article 7 An insurance company or an insurance asset management company to be established upon application shall comply with the following anti-money laundering conditions:
| | 第七条 申请设立保险公司、保险资产管理公司应当符合下列反洗钱条件：
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1. Its source of investment funds is legal;
| | （一）投资资金来源合法；
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2. It has established internal control rules for anti-money laundering work;
| | （二）建立了反洗钱内控制度；
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3. It has set up a special anti-money laundering body or designated an internal body to be responsible for its anti-money laundering work;
| | （三）设置了反洗钱专门机构或指定内设机构负责反洗钱工作；
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4. It has assigned personnel to the anti-money laundering body or post, who have completed the required anti-money laundering training;
| | （四）配备了反洗钱机构或岗位人员，岗位人员接受了必要的反洗钱培训；
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5. Its information systems meet the anti-money laundering requirements; and
| | （五）信息系统建设满足反洗钱要求；
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6. It meets other conditions as prescribed by the CIRC.
| | （六）中国保监会规定的其他条件。
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Article 8 The application documents for the establishment of an insurance company or an insurance asset management company shall include the following anti-money laundering materials:
| | 第八条 设立保险公司、保险资产管理公司的申请文件中应当包括下列反洗钱材料：
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1. a statement on its source of investment funds and a declaration of the legality of its source of investment funds;
| | （一）投资资金来源情况说明和投资资金来源合法的声明；
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2. the internal control rules for anti-money laundering work;
| | （二）反洗钱内控制度；
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3. a report on the setup of the anti-money laundering organ;
| | （三）反洗钱机构设置报告；
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4. a report on the personnel assigned to the anti-money laundering body or post and the anti-money laundering training provided to such personnel;
| | （四）反洗钱机构或岗位人员配备情况及岗位人员接受反洗钱培训情况的报告；
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5. a report on the anti-money laundering functions of its information systems; and
| | （五）信息系统反洗钱功能报告；
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6. other materials as required by the CIRC.
The applicant for the establishment of an insurance company or an insurance asset management company may submit the aforesaid materials in stages when filing the application for formation preparation and the application for starting business, but all the aforesaid materials must have been submitted at the latest when filing the application for starting business.
During the stage of acceptance check for starting business, the applicant shall, as required, demonstrate the organizational structure, work flow, risk control management and information system of anti-money laundering work.
| | （六）中国保监会规定的其他材料。
申请设立保险公司、保险资产管理公司，可以在筹建申请和开业申请中分阶段提交上述各项材料，但最迟应当在提出开业申请时提交完毕。
开业验收阶段，申请人应当按照要求演示反洗钱的组织架构、工作流程、风控管理和信息系统建设等。
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Article 9 A branch of an insurance company or an insurance asset management company to be established upon application shall meet the following anti-money laundering conditions:
| | 第九条 申请设立保险公司、保险资产管理公司分支机构应当符合下列反洗钱条件：
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1. The head office has sound internal control rules for anti-money laundering work and has the ability to effectively manage and control its branches;
| | （一）总公司具备健全的反洗钱内控制度并对分支机构具有良好的管控能力；
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2. The information systems of the head office can support the anti-money laundering work of its branches;
| | （二）总公司的信息系统建设能够支持分支机构的反洗钱工作；
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3. The branch to be established has set up a special anti-money laundering body or has designated an internal body to be responsible for anti-money laundering work;
| | （三）拟设分支机构设置了反洗钱专门机构或指定内设机构负责反洗钱工作；
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4. It has assigned personnel to anti-money laundering post, who have received the required anti-money laundering training; and
| | （四）反洗钱岗位人员基本配备并接受了必要的反洗钱培训；
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5. It meets other conditions as prescribed by the CIRC.
| | （五）中国保监会规定的其他条件。
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Article 10 The application documents for the establishment of a branch of an insurance company or an insurance asset management company shall include the following anti-money laundering materials:
| | 第十条 设立保险公司、保险资产管理公司分支机构的申请文件中应当包括下列反洗钱材料：
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1. the head office's internal control rules for anti-money laundering work;
．．．．．． | | （一）总公司的反洗钱内控制度；
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