法律文本

中華人民共和國反洗錢法

Anti-Money Laundering Law of the People's Republic of China

中華人民共和國主席令第五十六號

Order of the President No.56

（2006年10月31日第十屆全國人民代表大會常務委員會第二十四次會議通過）

(Adopted at the 24th Meeting of the Standing Committee of the Tenth National People's Congress on October 31, 2006)

第一章 總 則

Chapter 1 General Provisions

第一條   為了預防洗錢活動，維護金融秩序，遏制洗錢犯罪及相關犯罪，制定本法。

Article 1 This Law is formulated for the purposes of preventing money laundering activities, maintaining financial order, curbing money laundering crimes and related crimes.

第二條   本法所稱反洗錢，是指為了預防通過各種方式掩飾、隱瞞毒品犯罪、黑社會性質的組織犯罪、恐怖活動犯罪、走私犯罪、貪汙賄賂犯罪、破壞金融管理秩序犯罪、金融詐騙犯罪等犯罪所得及其收益的來源和性質的洗錢活動，依照本法規定采取相關措施的行為。

Article 2. Anti-money laundering referred to in this Law shall mean the adoption of relevant measures stipulated in this Law to prevent money laundering activities by various means to conceal or conceal the source and nature of gains and the proceeds thereof from drug-related crimes, organised crimes, terrorist crimes, smuggling, corruption and bribery crimes, crimes of disruption of financial order, financial frauds, etc.

第三條   在中華人民共和國境內設立的金融機構和按照規定應當履行反洗錢義務的特定非金融機構，應當依法采取預防、監控措施，建立健全客戶身份識別制度、客戶身份資料和交易記錄保存制度、大額交易和可疑交易報告制度，履行反洗錢義務。

Article 3 Financial institutions established in the People's Republic of China and specific non-financial institutions which are required by the provisions to perform anti-money laundering obligations shall adopt prevention and monitoring measures pursuant to the law, establish and improve upon a customer identification system, a customer identity materials and transaction record retention system, a large amount transaction and suspicious transaction reporting system, and perform anti-money laundering obligations.

第四條   國務院反洗錢行政主管部門負責全國的反洗錢監督管理工作。國務院有關部門、機構在各自的職責範圍內履行反洗錢監督管理職責。

The State Council anti-money laundering administrative authority shall be responsible for anti-money laundering supervision and administration nationwide. The relevant departments and agencies of the State Council shall perform their respective anti-money laundering supervision and administration duties within their respective scope of duties.

國務院反洗錢行政主管部門、國務院有關部門、機構和司法機關在反洗錢工作中應當相互配合。

The State Council anti-money laundering administrative authority and the relevant State Council departments and agencies and judicial authorities shall cooperate in anti-money laundering efforts.

第五條   對依法履行反洗錢職責或者義務獲得的客戶身份資料和交易信息，應當予以保密；非依法律規定，不得向任何單位和個人提供。

Article 5 The identity material or transactional information of any client, which is acquired during the performance of the duties and functions of anti-money laundering under law, shall be kept confidential, and may not be provided to any entity or individual unless it is provided for by any law.

反洗錢行政主管部門和其他依法負有反洗錢監督管理職責的部門、機構履行反洗錢職責獲得的客戶身份資料和交易信息，只能用於反洗錢行政調查。

The identity material and transactional information of any client, which is acquired by the competent department of anti-money laundering or any other department or organ undertaking the obligation of anti-money laundering supervision and administration under law when fulfilling their anti-money laundering functions and duties, shall only be used in the administrative investigation for anti-money laundering.

司法機關依照本法獲得的客戶身份資料和交易信息，只能用於反洗錢刑事訴訟。

The judicial organs may use the client ID data and transaction information acquired according to law only for the criminal proceedings of anti-money laundering.

第六條   履行反洗錢義務的機構及其工作人員依法提交大額交易和可疑交易報告，受法律保護。

Article 6. Agencies and their personnel that perform anti-money laundering obligations and submit reports of large amount transactions and suspicious transactions pursuant to the law shall be protected by the law.

第七條   任何單位和個人發現洗錢活動，有權向反洗錢行政主管部門或者公安機關舉報。接受舉報的機關應當對舉報人和舉報內容保密。

Article 7. Any organisation or individual shall have the right to report any discovery of money laundering to the anti-money laundering administrative authorities or the public security department. The authorities which accept the report shall keep confidentiality of the informant and the report contents.

第二章 反洗錢監督管理

Chapter 2 Supervision and Administration of Anti-money Laundering

第八條   國務院反洗錢行政主管部門組織、協調全國的反洗錢工作，負責反洗錢的資金監測，制定或者會同國務院有關金融監督管理機構制定金融機構反洗錢規章，監督、檢查金融機構履行反洗錢義務的情況，在職責範圍內調查可疑交易活動，履行法律和國務院規定的有關反洗錢的其他職責。

The State Council anti-money laundering administrative authority shall organise and coordinate nationwide anti-money laundering efforts, be responsible for monitoring funds pertaining to anti-money laundering, formulate anti-money laundering rules for financial institutions on its own or jointly with the relevant State Council financial supervision and administrative departments, supervise and inspect the performance of anti-money laundering obligations by financial institutions, investigate suspicious transactions within the scope of its duties, and perform other duties relating to anti-money laundering as the laws and the State Council stipulate.

國務院反洗錢行政主管部門的派出機構在國務院反洗錢行政主管部門的授權範圍內，對金融機構履行反洗錢義務的情況進行監督、檢查。

The dispatched offices of the competent department for anti-money laundering of the State Council shall, within the scope of authorization by the competent department for anti-money laundering of the State Council, conduct supervision and examination on the performance of anti-money laundering obligations by financial institutions.

第九條   國務院有關金融監督管理機構參與制定所監督管理的金融機構反洗錢規章，對所監督管理的金融機構提出按照規定建立健全反洗錢內部控制制度的要求，履行法律和國務院規定的有關反洗錢的其他職責。

Article 9 The related financial supervision and administration institutions under the State Council shall take part in the formulation of anti-money laundering regulations for financial institutions under their respective supervision and administration, require them to establish and improve an internal control system of anti-money laundering and perform other functions of anti-money laundering as prescribed by law or by the State Council.

第十條   國務院反洗錢行政主管部門設立反洗錢信息中心，負責大額交易和可疑交易報告的接收、分析，並按照規定向國務院反洗錢行政主管部門報告分析結果，履行國務院反洗錢行政主管部門規定的其他職責。

Article 10. The State Council anti-money laundering administrative authority shall establish an anti-money laundering information centre responsible for receiving and analysing reports on large amount transactions and suspicious transactions, reporting the analysis findings to the State Council anti-money laundering administrative authority pursuant to the provisions, and perform other duties as the State Council anti-money laundering administrative authority stipulates.

第十一條   國務院反洗錢行政主管部門為履行反洗錢資金監測職責，可以從國務院有關部門、機構獲取所必需的信息，國務院有關部門、機構應當提供。

Article 11. The State Council anti-money laundering administrative authority may, for the purpose of monitoring the funds for anti-money laundering, obtain the requisite information from the relevant State Council departments and agencies, and the relevant State Council departments and agencies shall provide such information.

國務院反洗錢行政主管部門應當向國務院有關部門、機構定期通報反洗錢工作情況。

The State Council anti-money laundering administrative authority shall circulate the anti-money laundering efforts to the relevant State Council departments and agencies on a regular basis.

第十二條   海關發現個人出入境攜帶的現金、無記名有價證券超過規定金額的，應當及時向反洗錢行政主管部門通報。

Article 12. The Customs shall, upon discovery of an amount of cash or bearer securities exceeding the stipulated amount carried by an individual entering or leaving the country, report to the anti-money laundering administrative authorities promptly.

前款應當通報的金額標準由國務院反洗錢行政主管部門會同海關總署規定。

The standards for amounts which should be circulated in the preceding paragraph shall be stipulated by the State Council anti-money laundering administrative authority jointly with the General Administration of Customs.

第十三條   反洗錢行政主管部門和其他依法負有反洗錢監督管理職責的部門、機構發現涉嫌洗錢犯罪的交易活動，應當及時向偵查機關報告。

Article 13 If the competent department for anti-money laundering or any other department or organ undertaking the obligation of anti-money laundering supervision and administration under law finds any transaction involved in the crime of money laundering, it shall report it to the investigation organ in time.

第十四條   國務院有關金融監督管理機構審批新設金融機構或者金融機構增設分支機構時，應當審查新機構反洗錢內部控制制度的方案；對於不符合本法規定的設立申請，不予批準。

Article 14. Where the relevant State Council financial supervision and administrative department conducts examination and approval of an application to establish a new financial institution or an additional branch of a financial institution, the relevant State Council financial supervision and administrative department shall examine the new establishment's proposed internal system of anti-money laundering controls; applications which do not comply with the provisions of this Law shall not be approved.

第三章 金融機構反洗錢義務

Chapter III Anti-money Laundering Obligations of Financial Institutions

第十五條   金融機構應當依照本法規定建立健全反洗錢內部控制制度，金融機構的負責人應當對反洗錢內部控制制度的有效實施負責。

Article 15. Financial institutions shall establish and improve upon their internal system of anti-money laundering controls pursuant to the provisions of this Law; the person-in-charge of the financial institution shall be responsible for effective implementation of the internal system of anti-money laundering controls.

金融機構應當設立反洗錢專門機構或者指定內設機構負責反洗錢工作。

Financial institutions shall establish special institutions of anti-money laundering or designate internal departments to be responsible for anti-money laundering work.

第十六條   金融機構應當按照規定建立客戶身份識別制度。

Article 16. Financial institutions shall establish a system of determining customer identity pursuant to the provisions.

金融機構在與客戶建立業務關系或者為客戶提供規定金額以上的現金匯款、現鈔兌換、票據兌付等一次性金融服務時，應當要求客戶出示真實有效的身份證件或者其他身份證明文件，進行核對並登記。

When a financial institution establishes a business relationship with a customer or provides one-off financial services such as cash remittance, cash exchange and bill payment, etc, the financial institution shall require the customer to show his/her true and valid identity document or any other identity document for verification and registration.

客戶由他人代理辦理業務的，金融機構應當同時對代理人和被代理人的身份證件或者其他身份證明文件進行核對並登記。

If a client entrusts an agent to handle its/his business on its/his behalf, the financial institution shall check and register the identity certificates or other identity certification documents of both the agent and the principal.

與客戶建立人身保險、信托等業務關系，合同的受益人不是客戶本人的，金融機構還應當對受益人的身份證件或者其他身份證明文件進行核對並登記。

If a financial institution establishes a business relationship of personal insurance or trust with a client and the beneficiary of the contract is not the client himself, the financial institution shall also verify and register the identity certificate or any other identity certification document of the beneficiary.

金融機構不得為身份不明的客戶提供服務或者與其進行交易，不得為客戶開立匿名賬戶或者假名賬戶。

Financial institutions may not provide any service to or make any transaction with any client who fails to clarify his identity or establish any anonymous or pseudonymous account.

金融機構對先前獲得的客戶身份資料的真實性、有效性或者完整性有疑問的，應當重新識別客戶身份。

Where a financial institution doubts the veracity, validity or integrity of a customer's identity information previously obtained, it shall re-identify the customer's identity.

任何單位和個人在與金融機構建立業務關系或者要求金融機構為其提供一次性金融服務時，都應當提供真實有效的身份證件或者其他身份證明文件。

Any organisation or individual that establishes a business relationship with a financial institution or requests for one-off financial services from a financial institution shall provide true and valid identification documents or any other form of identification document.

第十七條   金融機構通過第三方識別客戶身份的，應當確保第三方已經采取符合本法要求的客戶身份識別措施；第三方未采取符合本法要求的客戶身份識別措施的，由該金融機構承擔未履行客戶身份識別義務的責任。

Article 17 Any financial institution that identifies the status of the clients through a third party shall ensure that the third party has adopted the client ID measures according to the requirements of this Law; and in case the third party has not adopted the client ID measures according to the requirements of this Law, the financial institution shall undertake the responsibilities for failure to perform the obligations for identifying the client status.

第十八條   金融機構進行客戶身份識別，認為必要時，可以向公安、工商行政管理等部門核實客戶的有關身份信息。

Article 18. When a financial institution determines the identity of a customer, it may, if it deems necessary, verify the relevant customer's identification information with the public security authority, industry and commerce administrative authority and other authorities.

第十九條   金融機構應當按照規定建立客戶身份資料和交易記錄保存制度。

Article 19. Financial institutions shall establish a system of retaining client identity information and transaction records in accordance with the provisions.

在業務關系存續期間，客戶身份資料發生變更的，應當及時更新客戶身份資料。

During the existence of business relationship, any client's identity material that changes shall be updated in a timely manner.

客戶身份資料在業務關系結束後、客戶交易信息在交易結束後，應當至少保存五年。

Client identity materials and transaction information shall be kept for at least five years upon completion of business relationship.

金融機構破產和解散時，應當將客戶身份資料和客戶交易信息移交國務院有關部門指定的機構。

When a financial institution becomes insolvent or dissolves, it shall hand over its client identity materials and transaction information to an institution designated by the relevant department of the State Council.

第二十條   金融機構應當按照規定執行大額交易和可疑交易報告制度。

Article 20. Financial institutions shall implement the reporting system for large amount transactions and suspicious transactions pursuant to the provisions.

金融機構辦理的單筆交易或者在規定期限內的累計交易超過規定金額或者發現可疑交易的，應當及時向反洗錢信息中心報告。

Where the amount in a single transaction or the cumulative amount of transactions within a stipulated period carried out by a financial institution exceeds the stipulated amount, the financial institution shall report to the anti-money laundering information centre promptly.

第二十一條   金融機構建立客戶身份識別制度、客戶身份資料和交易記錄保存制度的具體辦法，由國務院反洗錢行政主管部門會同國務院有關金融監督管理機構制定。金融機構大額交易和可疑交易報告的具體辦法，由國務院反洗錢行政主管部門制定。

Article 21. The State Council anti-money laundering administrative authority and the relevant State Council financial supervision and administrative departments shall jointly formulate the specific measures on the system of determining customer identity, system of retaining customer identity information and transaction records that financial institutions establish. The specific measures for reporting large-sum transactions and doubtful transactions by financial institutions shall be formulated by the competent department for anti-money laundering of the State Council.

第二十二條   金融機構應當按照反洗錢預防、監控制度的要求，開展反洗錢培訓和宣傳工作。

Article 22 Financial institutions shall, in light of the requirements for anti-money laundering prevention and supervision, carry out anti-money laundering trainings and publicities.

第四章 反洗錢調查

Chapter 4 Anti-money Laundering Investigation

第二十三條   國務院反洗錢行政主管部門或者其省一級派出機構發現可疑交易活動，需要調查核實的，可以向金融機構進行調查，金融機構應當予以配合，如實提供有關文件和資料。

Article 23. Where the State Council anti-money laundering administrative authority or its provincial first-level branch discovers suspicious transactions which require investigation and verification, it may investigate the financial institution, and the financial institution shall cooperate and provide the relevant documents and materials truthfully.

調查可疑交易活動時，調查人員不得少於二人，並出示合法證件和國務院反洗錢行政主管部門或者其省一級派出機構出具的調查通知書。調查人員少於二人或者未出示合法證件和調查通知書的，金融機構有權拒絕調查。

For the investigation into any doubtful transaction, there shall be not less than 2 investigators, who shall show their legal certificates and the investigation notice produced by the competent department for anti-money laundering of the State Council or the organ dispatched thereof at the provincial level. In the event of less than two investigators or where the investigators do not present their legitimate credentials and the notice of investigation, the financial institution shall have the right to refuse investigation.

第二十四條   調查可疑交易活動，可以詢問金融機構有關人員，要求其說明情況。

Article 24. The relevant personnel of a financial institution may be questioned and be required to provide explanation in a suspicious transaction investigation.

詢問應當制作詢問筆錄。詢問筆錄應當交被詢問人核對。記載有遺漏或者差錯的，被詢問人可以要求補充或者更正。被詢問人確認筆錄無誤後，應當簽名或者蓋章；調查人員也應當在筆錄上簽名。

A written record of the inquiry shall be made. The written record of the interview shall be verified by the interviewee. Where there is any omission or error, the interviewee may request for supplementation or correction. After the person being inquired confirms that the transcript is inerrant, he shall affix his signature or seal to it. The investigators shall also affix their signatures to the transcript.

第二十五條   調查中需要進一步核查的，經國務院反洗錢行政主管部門或者其省一級派出機構的負責人批準，可以查閱、複制被調查對象的賬戶信息、交易記錄和其他有關資料；對可能被轉移、隱藏、篡改或者毀損的文件、資料，可以予以封存。

Article 25. Where an investigation requires further verification and approval is granted by the person-in-charge of the State Council anti-money laundering administrative authority or its provincial first-level branch, the investigators may inspect and make copies of account information, transaction records and other relevant materials of the party under investigation; documents and materials which may be removed, concealed, altered or destroyed may be sealed.

調查人員封存文件、資料，應當會同在場的金融機構工作人員查點清楚，當場開列清單一式二份，由調查人員和在場的金融機構工作人員簽名或者蓋章，一份交金融機構，一份附卷備查。

In sealing up the documents and materials, the investigators shall check them clearly at the present of and in joint efforts with the workers of the financial institution, and shall on the spot issue a list in two copies that shall be signed or sealed by the workers of the financial institution at the present of and one copy shall be given to the financial institution and the other be attached to the case file for reference.

第二十六條   經調查仍不能排除洗錢嫌疑的，應當立即向有管轄權的偵查機關報案。客戶要求將調查所涉及的賬戶資金轉往境外的，經國務院反洗錢行政主管部門負責人批準，可以采取臨時凍結措施。

Article 26. Where an investigation fails to eliminate suspicion in a suspected act of money laundering, a report must be lodged with the investigation agency with jurisdiction immediately. Where the customer requests for an overseas transfer of funds from the account under investigation, temporary freezing measures may be adopted upon approval by the person-in-charge of the State Council anti-money laundering administrative authority.

偵查機關接到報案後，對已依照前款規定臨時凍結的資金，應當及時決定是否繼續凍結。偵查機關認為需要繼續凍結的，依照刑事訴訟法的規定采取凍結措施；認為不需要繼續凍結的，應當立即通知國務院反洗錢行政主管部門，國務院反洗錢行政主管部門應當立即通知金融機構解除凍結。

Upon receipt of a report, the investigation agency shall promptly decide whether to continue freezing the funds which are temporarily frozen pursuant to the provisions of the preceding paragraph. Where the investigation agency deems necessary to continue with the freeze, freeze measures shall be adopted pursuant to the provisions of the Criminal Procedural Law; where the investigation agency deems unnecessary to continue with the freeze, it shall notify the State Council anti-money laundering administrative authority immediately; the State Council anti-money laundering administrative authority shall notify the financial institution of the lifting of freeze immediately.

臨時凍結不得超過四十八小時。金融機構在按照國務院反洗錢行政主管部門的要求采取臨時凍結措施後四十八小時內，未接到偵查機關繼續凍結通知的，應當立即解除凍結。

A temporary freeze shall not exceed 48 hours. If no notice of continuing freezing is received from the investigation organ within 48 hours after the financial institution has taken temporary freezing measures according to the requirements of the competent department for anti-money laundering of the State Council, the freezing shall be cancelled immediately.

第五章 反洗錢國際合作

Chapter 5 International Cooperation of Anti-Money Laundering

第二十七條   中華人民共和國根據締結或者參加的國際條約，或者按照平等互惠原則，開展反洗錢國際合作。

Article 27 The People's Republic of China shall carry out international cooperation on anti-money laundering according to the international treaties concluded or acceded to by it or according to the principle of equality and reciprocity.

第二十八條   國務院反洗錢行政主管部門根據國務院授權，代表中國政府與外國政府和有關國際組織開展反洗錢合作，依法與境外反洗錢機構交換與反洗錢有關的信息和資料。

Article 28. The State Council anti-money laundering administrative authority shall, as authorised by the State Council, represent the Chinese Government in anti-money laundering cooperation with foreign governments and the relevant international organisations, and exchange information and materials relating to anti-money laundering with overseas anti-money laundering agencies pursuant to the law.

第二十九條   涉及追究洗錢犯罪的司法協助，由司法機關依照有關法律的規定辦理。

Article 29. The judicial authorities shall provide judicial assistance pursuant to the provisions of the relevant laws where pursuit of criminal action against money laundering crimes is involved.

第六章 法律責任

Chapter 6 Legal Liabilities

第三十條   反洗錢行政主管部門和其他依法負有反洗錢監督管理職責的部門、機構從事反洗錢工作的人員有下列行為之一的，依法給予行政處分：

Article 30 If any anti-money laundering functionary of the competent department for anti-money laundering or any other department or organ undertaking the obligation of anti-money laundering supervision and administration under the law commits any of the following acts, he/she shall be given an administrative sanction:

（一）違反規定進行檢查、調查或者采取臨時凍結措施的；

1. Conducting inspection or investigation or taking temporary freezing measures in violation of the relevant provisions;

（二）泄露因反洗錢知悉的國家秘密、商業秘密或者個人隱私的；

2. Divulging state secrets, commercial secrets or personal privacy learned in the process of anti-money laundering;

（三）違反規定對有關機構和人員實施行政處罰的；

(III) imposing any administrative sanction on any institution or staff member in violation of the relevant provisions; and

（四）其他不依法履行職責的行為。

(IV) performing any other responsibility in an unlawful manner.

第三十一條   金融機構有下列行為之一的，由國務院反洗錢行政主管部門或者其授權的設區的市一級以上派出機構責令限期改正；情節嚴重的，建議有關金融監督管理機構依法責令金融機構對直接負責的董事、高級管理人員和其他直接責任人員給予紀律處分：

Article 31 In case of any of the following acts with the financial institutions, the competent administrative authority of anti-money laundering under the State Council or its authorized offices at the level of the city with administrative division of districts or above shall give an order for correction within a specified period; and in case of serious circumstances, it is suggested that the relevant financial regulatory agencies order the financial institutions to give disciplinary sanctions against the directly liable directors, senior management and other directly liable persons:

（一）未按照規定建立反洗錢內部控制制度的；

1. Failing to establish an internal anti-money laundering mechanism as required;

（二）未按照規定設立反洗錢專門機構或者指定內設機構負責反洗錢工作的；

2. Failing to establish a special department for anti-money laundering or designate an internal department to be responsible for the anti-money laundering work;

（三）未按照規定對職工進行反洗錢培訓的。

(III) Failing to conduct anti-money laundering trainings to its employees in accordance with relevant provisions.

第三十二條   金融機構有下列行為之一的，由國務院反洗錢行政主管部門或者其授權的設區的市一級以上派出機構責令限期改正；情節嚴重的，處二十萬元以上五十萬元以下罰款，並對直接負責的董事、高級管理人員和其他直接責任人員，處一萬元以上五萬元以下罰款：

Article 32 In case of any of the following acts with the financial institutions, the competent administrative authority of anti-money laundering under the State Council or its authorized offices at the level of the city with administrative division of districts or above shall give an order for correction within a specified period; and in case of a serious circumstance, a fine from CNY200,000 to CNY500,000 shall be imposed to the unit with a fine from CNY10,000 to CNY50,000 against the directly responsible directors, senior management and other directly responsible persons:

（一）未按照規定履行客戶身份識別義務的；

1. failure to perform the obligation of identifying the client status in accordance with the provisions;

（二）未按照規定保存客戶身份資料和交易記錄的；

(II) Failing to preserve its client identity materials and transaction records in accordance with the relevant provisions; or

（三）未按照規定報送大額交易報告或者可疑交易報告的；

(III) failing to submit a report on large-value or suspicious transactions as required;

（四）與身份不明的客戶進行交易或者為客戶開立匿名賬戶、假名賬戶的；

(IV) carrying out transactions with clients of unclear identities or opening anonymous accounts or accounts alias for clients;

（五）違反保密規定，泄露有關信息的；

(V) disclosing the relevant information by violating the provisions on confidentiality; or

（六）拒絕、阻礙反洗錢檢查、調查的；

(VI) Refusing or impeding the examination and investigation on anti-money laundering; or

（七）拒絕提供調查材料或者故意提供虛假材料的。

(VII) refusing to provide investigation materials or intentionally providing false materials.

金融機構有前款行為，致使洗錢後果發生的，處五十萬元以上五百萬元以下罰款，並對直接負責的董事、高級管理人員和其他直接責任人員處五萬元以上五十萬元以下罰款；情節特別嚴重的，反洗錢行政主管部門可以建議有關金融監督管理機構責令停業整頓或者吊銷其經營許可證。

In case any financial institution has any of the acts as mentioned in the preceding paragraph and thus results in the consequence of money laundering, it shall be fined not less than CNY500,000 but not more than CNY5 million, and the direct liable directors, senior managers and other directly liable persons shall be fined not less than CNY50,000 but not more than CNY500,000; if the circumstance is especially serious, the competent administrative authority of anti-money laundering may suggest the relevant financial supervision and administration institution to order it to suspend its business for rectification or to revoke its business license.

對有前兩款規定情形的金融機構直接負責的董事、高級管理人員和其他直接責任人員，反洗錢行政主管部門可以建議有關金融監督管理機構依法責令金融機構給予紀律處分，或者建議依法取消其任職資格、禁止其從事有關金融行業工作。

The anti-money laundering administrative authorities may recommend that the relevant financial supervision and administrative authorities order the financial institution to take disciplinary action against its directors, senior management personnel and any other directly accountable personnel for any act stipulated in the two preceding paragraphs, or recommend the cancellation of appointment qualifications of such persons and ban such persons from working in the relevant financial industry pursuant to the law.

第三十三條   違反本法規定，構成犯罪的，依法追究刑事責任。

Article 33 Where a violation of the provisions of this Law constitutes a criminal offence, criminal liability shall be pursued in accordance with the law.

第七章 附 則

Chapter 7 Supplementary Provisions

第三十四條   本法所稱金融機構，是指依法設立的從事金融業務的政策性銀行、商業銀行、信用合作社、郵政儲匯機構、信托投資公司、證券公司、期貨經紀公司、保險公司以及國務院反洗錢行政主管部門確定並公布的從事金融業務的其他機構。

Article 34. Financial institutions referred to in this Law shall mean duly established policy banks, commercial banks, credit cooperatives, postal savings organisations, trust investment companies, securities companies, futures brokerages and insurance companies that engage in financial businesses, as well as other organisations determined and announced by the State Council anti-money laundering administrative authority to engage in financial businesses.

第三十五條   應當履行反洗錢義務的特定非金融機構的範圍、其履行反洗錢義務和對其監督管理的具體辦法，由國務院反洗錢行政主管部門會同國務院有關部門制定。

Article 35 The scope of the special non-financial institutions that shall perform the obligation of anti-money laundering, the specific measures for them to perform the obligation of anti-money laundering and for their supervision and administration shall be formulated by the competent department for anti-money laundering of the State Council in collaboration with the related departments of the State Council.

第三十六條   對涉嫌恐怖活動資金的監控適用本法；其他法律另有規定的，適用其規定。

Article 36 This Law shall apply to the monitoring of funds suspected of being used for terrorist activities; where other laws provide otherwise, such provisions shall prevail.

第三十七條   本法自2007年1月1日起施行。

Article 37 This Law shall go into effect as of January 1, 2007.