当前反洗钱有关法律法规汇总.docx

1、当前反洗钱有关法律法规汇总当前反洗钱有关法律法规汇总一、刑法第一百九十一条的规定：明知是毒品犯罪、黑社会性质的组织犯罪、恐怖活动犯罪、走私犯罪的违法所得及其产生的收益，为掩饰、隐瞒其来源和性质，有下列行为之一的，没收实施以上犯罪的违法所得及其产生的收益，处五年以下有期徒刑或者拘役，并处或者单处洗钱数额百分之五以上百分之二十以下罚金；情节严重的，处五年以上十年以下有期徒刑，并处洗钱数额百分之五以上百分之二十以下罚金：（一）提供资金帐户的；（二）协助将财产转换为现金或者金融票据的；（三）通过转帐或者其他结算方式协助资金转移的；（四）协助将资金汇往境外的；（五）以其他方法掩饰、隐瞒犯罪的违法所得及其

2、收益的来源和性质的。单位犯前款罪的，对单位判处罚金，并对其直接负责的主管人员和其他直接责任人员，处五年以下有期徒刑或者拘役；情节严重的，处五年以上十年以下有期徒刑。二、票据法票据的签发、取得和转让，应当遵循诚实信用的原则，具有真实的交易关系和债权债务关系。票据的取得，必须给付对价，即应当给付票据双方当事人认可的相对应的代价。三、中华人民共和国保险法违反本法规定，擅自设立保险公司或者非法从事商业保险业务活动的，依法追究刑事责任，并由金融监督管理部门予以取缔。情节轻微，不构成犯罪的，给予行政处罚。四、 国务院行政法规：现金管理暂行条例开户单位收支和使用现金，必须接受开户银行的监督。开户单位只能在一

3、定范围内使用现金。开户单位的库存现金现额由开户银行根据其实际需要予以核定。开户银行应按规定向人民银行报告现金管理情况。中华人民共和国外汇管理条例个人携带外汇进出境，应当向海关办理申报手续；携带外汇出境，超过规定限额的，还应当向海关出具有效凭证。居住在境内的中国公民持有的外币支付凭证、外币有价证券等形式的外汇资产，未经外汇管理机关批准，不得携带或者邮寄出境。金融机构经营外汇业务须经外汇管理机关批准，领取经营外汇业务许可证。未经外汇管理机关批准，任何单位和个人不得经营外汇业务。经批准经营外汇业务的金融机构，经营外汇业务不得超出批准的范围。有下列逃汇行为之一的，由外汇管理机关责令限期调回外汇，强制收

4、兑，并处逃汇金额30%以上5倍以下的罚款；构成犯罪的，依法追究刑事责任：（一） 违法国家规定，擅自将外汇存放在境外的；（二） 不按照国家规定将外汇卖给外汇指定银行的；（三） 违反国家规定将外汇汇出或者携带出境的；（四） 未经外汇管理机关批准，擅自将外币存款凭证、外币有价证券携带或者邮寄出境的；（五） 其他逃汇行为。有下列非法套汇行为之一的，由外汇管理机关给予警告，强制收兑，并处非法套汇金额30%以上3倍以下的罚款；构成犯罪的，依法追究刑事责任：（一）违反国家规定，以人民币支付或者以实物偿付应当以外汇支付的进口货款或者其他类似支出的；（二）以人民币为他人支付在境内的费用，由对方付给外汇的；（三）

5、未经外汇机关批准，境外投资者以人民币或者境内所购物资在境内进行投资的；（四）以虚假或者无效的凭证、合同、单位等向外汇指定银行骗购外汇的；（六） 非法套汇的其他行为。私自买卖外汇、变相买卖外汇或者倒卖外汇的，由外汇管理机关给予警告、强制收兑，没收违法所得，并处违法外汇金额30%以上3倍以下的罚款，构成犯罪的，依法追究刑事责任。个人存款帐户实名制规定个人在金融机构开立个人存款帐户时，应当出示本人身份证件，使用真名；代理人人在金融机构开立存款帐户的，代理人应当出示被代理人和代理人的身份证件。在金融机构开立个人存款帐户的，金融机构应当要求其出示本人身份证件，进行核对，并登记其身份证件上的姓名和号码，代

6、理他人在金融机构开立个人存款帐户的，金融机构应当要求其出示被代理人和代理人的身份证件，进行核对，并登记被代理人和代理人的身份证件上的姓名和号码。金融机构违反本规定第七条规定的，由中国人民银行给予警告，可以处1000元以上5000元以下的罚款；情节严重的，可以并处责令停业整顿，对直接负责的主管人员和其他直接责任人员依法给予纪律处分；构成犯罪的，依法追究刑事责任。非法金融机构和非法金融业务活动取缔办法未经中国人民银行批准，任何单位和个人不得擅自设立金融机构或者擅自从事金融业务活动。对非法金融机构和非法金融业务活动，工商行政管理机关不予办理登记。对非法金融机构和非法金融业务活动，金融机构不予开立帐户

7、、办理结算和提供贷款。对非法金融机构、非法吸收公众存款或者变相吸收公众存款以及非法集资，中国人民银行一经发现，应当立即调查、核实；经初步认定后，应当及时提请公安机关立案侦查。对非法金融机构和非法金融业务活动的犯罪嫌疑人、涉案资金和帐产，由公安机关依法采取强制措施，防止犯罪嫌疑人逃跑和转移资金、财产。对非法金融机构和非法金融业务活动，经中国人民银行调查认定后，作出取缔决定，宣布该金融机构和金融业务活动为非法，责令停止一切业务活动，并予公告。中国人民银行发现金融机构为非法金融机构或者非法金融业务活动开立帐户、办理结算和提供贷款的，应当责令该金融机构立即停止有关业务活动。任何单位和个人不得擅自动用有

8、关资金。设立非法金融机构或者从事非法金融业务骗取工商行政管理机关登记的，一经发现，工商行政管理机关应当立即注销登记或者变更登记。设立非法金融机构或者从事非法金融业务活动，构成犯罪的，依法追究刑事责任；尚不构成犯罪的，由中国人民银行没收非法所得，并处非法所得1倍以上5倍以下的罚款；没有非法所得的，处10万元以上50万元以下的罚款。擅自批准设立非法金融机构或者擅自批准从事非法金融业务活动的，对直接负责的主管人员和其他直接责任人员依法给予行政处分；构成犯罪的，依法追究刑事责任。中华人民共和国外资金融机构管理条例未经中国人民银行批准，擅自设立外资金融机构或者非法从事金融业务活动的，由中国人民银行予以取

9、缔；依照刑法关于擅自设立金融机构罪、非法吸收公众存款罪或者其他罪的规定，依法追究刑事责任；尚不够刑事处罚的，由中国人民银行没收违法所得，并处违法所得1倍以上5倍以下的罚款；没有违法所得或者违法所得不足10万元的，处10万元以上50万元以下的罚款。五、中国人民银行发布的规章银行帐户管理办法存款人在开立基本存款帐户、一般存款帐户、临时存款帐户的任一种时均须依照规定向开户银行出具有关的证明文件。存款人在银行开立基本存款帐户，实行由人民银行当地分支机构核发开户许可证制度；银行对存款人开立或撤销帐户，必须向中国人民银行分支机构申报。存款人的帐户只能办理存款人本身的业务活动，不得出租和转让帐户。境内外汇帐

10、户管理规定境内机构、驻华机构一般不允许开立外币现钞帐户。个人及来华人员一般不允许开立用于结算的外汇帐户。外汇帐户的开立、使用应当获得外汇管理局批准。外汇管理局对境内机构及驻华机构的外汇帐户实行年检制度。境外外汇帐户管理规定境内机构在境外开立外汇帐户，应当持规定的文件向外汇管理局申请，获批准后方可开立。境内机构通过境外外汇帐户办理资金的收付，应当遵守开户所在国或地区的规定。境内机构应当按照外汇管理局批准的帐户收支范围、帐户最高金额和使用期限使用境外外汇帐户，不得出租、出借、串用境外外汇帐户。大额现金支付登记备案规定开户单位在提取大额现金时，要填写大额现金支取登记表格；开户银行要逐笔登记，并定期报

11、送中国人民银行当地分支行备案。对一日一次性地从储蓄帐户（含银行卡户，下同）提取现金5万元（不含5万元）以上的，储蓄机构柜台人员应请取款人提供有效身份证件，并经储蓄机构负责人核实后予以支付。对一日一次性超过5万元以上的现金支付或一日数次累计超过5万元以上的现金支付，银行内部要逐笔登记，妥善保管有关资料，并按月向人民银行当地分支机构备案。典当行管理暂行办法典当行不得受理以下财产作当物：（一） 法律、法规禁止买卖的自然资源或者财物；（二） 依法被查封、扣押或者采取其他保全措施的财产；（三） 易燃易爆物品、已被质押或者作担保的物品；（四） 工业用金银原料、材料、矿产金银以及一切非法所得金银；（五） 赃

12、物和来源不明的物品；（六） 不能强制执行或者没有有效文件证明其合法来源的其他物品。典当行办理国家统收、专营和国家限制流通物品的典当业务，必须经有关部门批准。商业汇票办法签发商业汇票必须以合法的商品交易为基础。禁止签发、承兑和贴现无商品交易的商业汇票，严禁利用商业汇票拆借资金、抵押贷款和套取银行贴现资金。One, the provisions of article 191st of criminal law:Knowing is drug-related crimes, organized crimes of the underworld, terrorist crimes, the crime

13、 of smuggling illegal income and the proceeds thereof, in order to hide, conceal the source and nature, one of the following acts, confiscate the illegal income and the implementation of the above crime proceeds, five years of fixed-term imprisonment or criminal detention, and or single money launde

14、ring to amount to five percent above twenty percent fined; if the circumstances are serious, five years more than ten years of fixed-term imprisonment, and fined five percent money laundering amount above twenty percent: (a) provide funds account; ( two) to assist in the transfer of property into ca

15、sh or financial instruments; ( three) by means of a transfer or other clearing the way helping transfer capital; ( four) assisting to remit funds abroad; ( five ) to other methods to hide, conceal crime illegal income and sources of income and property.Units committing the crime mentioned in the pre

16、ceding paragraph, the unit is to be fined, and the persons directly in charge and the other persons who are directly responsible, five years of fixed-term imprisonment or criminal detention; if the circumstances are serious, the agency for more than five years of fixed-term imprisonment of ten years

17、.Two, billNote issuance, acquisition and transfer, should follow the principle of good faith, with authentic trade relationship and the relationship between creditor and debtor.The bill must be achieved, payment of consideration, that both parties to a negotiable instrument shall be approved by the

18、corresponding price.Three, the peoples Republic of China Insurance Law.In violation of the provisions of this law, without the establishment of an insurance company or engage in illegal commercial insurance activities, shall be investigated for criminal liability, and the financial supervision and r

19、egulation department banned. If the circumstances are minor, does not constitute a crime, shall be given administrative sanctions.In four, the State Council administrative regulations:Provisional Regulations cash managementOpen an account balance of payments and cash, must accept the supervision of

20、the bank.Account unit only within a certain range of the use of cash.The amount of the cash account unit by the bank according to the actual need to be approved.The bank shall be required to report to the peoples Bank of cash management. The peoples Republic of China on the administration of foreign

21、 exchangeIndividuals carrying foreign exchange into or out of the territory, shall make declarations to the customs; carrying foreign exchange, exceeding the limit, shall present to the customs office valid certificate.Held by Chinese citizens residing in China s foreign currency payment vouchers, s

22、ecurities denominated in foreign currency and other forms of foreign exchange assets, without approval from foreign exchange administrations, shall not be carried or mailed out.Financial institutions engaged in foreign exchange business shall be approved by foreign exchange control agencies, to rece

23、ive foreign exchange business operation permit.Without approval from foreign exchange administrations, no unit or individual may engage in foreign exchange business. Approved financial institutions engaged in foreign exchange business, foreign exchange business shall not go beyond their approved sco

24、pe.Any of the following acts of foreign exchange evasion of, by foreign exchange administrations shall be ordered to recall the exchange, forced redemptions, and evasion of more than 30% to5 times the fine; constitute a crime, shall be investigated for criminal responsibility according to law:( a )

25、in violation of national regulations, unauthorized use of foreign exchange deposit abroad;( two) are not in accordance with state regulations will be sold to the designated foreign exchange bank exchange;( three) in violation of state regulations, the foreign exchange remitted or taken abroad;( four

26、) without approval from foreign exchange administrations, unauthorized foreign exchange deposit certificates,Securities denominated in foreign currency carrying or mailing of exit;( five) other acts of foreign exchange evasion.Any of the following illegal arbitrage acts, given by foreign exchange ad

27、ministrationsWarning, forced redemptions, and illegal arbitrage amount 30% more than 3 times the fine; constitute a crime, shall be investigated for criminal responsibility according to law:( a ) in violation of state regulations, paid in Renminbi or repay in kind should be paid in foreign exchange

28、import payments or other similar expenses;( two) take the renminbi as the others pay the expenditure in China, by the other party to pay foreign exchange;( three) without foreign exchange authority, overseas investors in Renminbi or domestic goods and materials purchased in China for investment;( fo

29、ur) in a false or invalid certificates, contracts, and other units to purchase foreign exchange by designated foreign exchange banks;( six) other acts of illegal foreign exchange arbitrage.Unauthorized trading exchange, disguised trading or Forex scalping, byForeign exchange control agencies shall g

30、ive a warning, forced redemptions, confiscate the illegal income, impose illegal foreign exchange value of 30% to less than 3 times the fine, which constitutes a crime, shall be investigated for criminal responsibility according to law. Personal account real-name provisionsIndividuals in financial i

31、nstitutions to establish individual account, they shall show their identity documents, using their real names; agent all open deposit accounts in financial institutions, the agent shall show the principal and agent identification.In the financial institutions to open a personal account, the financial institution shall request him to show his own identity card, checking, and register their identity documents name and number, agents of others in financial institutions to establish individual account, the financial institution shall request the show is the agent and th