Measures on the Administration of Reporting of Large Value and Suspicious Foreign Currency Cash Transactions (Chinese and English Text)


Issuer: 
People's Bank of China

中文版


The following translation was retrieved from the People's Bank of China Web site on December 1, 2006. The Chinese text was retrieved from the People's Bank of China Web site on May 5, 2006.


Administrative Rules for the Reporting by Financial Institutions of Large-Value and Suspicious Foreign Exchange Transactions

Article 1              These Rules are formulated in accordance with Regulations of the People's Republic of China on Foreign Exchange Administration and other regulations in order to monitor large-value and suspicious foreign exchange transactions.

Article 2              Financial institutions located in the territory of China that run foreign exchange business (hereinafter referred to as financial institutions) shall report, in accordance with these Rules, to foreign exchange administration authorities large-value and suspicious foreign exchange transactions.

Large-value foreign exchange transaction refers to foreign exchange transactions above a specified amount made by transactions parties in any form of settlement through financial institutions.

Suspicious foreign exchange transaction refers to foreign exchange transaction with abnormal amount, frequency, source, direction, use or any other such nature.

Article 3              State Administration of Foreign Exchange and its branches (hereinafter referred to as SAFE) are responsible for supervising and administering the reporting of large-value and suspicious foreign exchange transactions.

Article 4              When opening foreign exchange accounts for customers, financial institutions shall abide by Rules on Using Real Name for Opening Individual Deposit Account and Rules on Administration of Foreign Exchange Account within the Territory of People's Republic of China and shall not open anonymous foreign exchange accounts or accounts in obviously fictitious names for their customers.

When processing foreign exchange transactions for customers, financial institutions shall verify information about the customer's real identity, including the name of work unit, name of the legal representative or person-in-charge, ID and its number, supporting documents for account opening, organization registration code, address, registered capital, business scope, size of business operation, average daily transaction volume of the account and in the case of an individual customer, name of the depositor, ID and its number, address, occupation, household income and other information about the customer's family.

Article 5              Financial institutions shall record all large-value and suspicious foreign exchange fund transactions and keep the record for a minimum of five years as of the day of transaction.

Article 6              Financial institutions shall establish and improve internal anti-money laundering post responsibility system, formulate internal anti-money laundering procedure and, have specified staff record, analyze and report large-value and suspicious foreign exchange transactions.

Article 7              Financial institutions shall not disclose to any agency or individual information about large-value and suspicious foreign exchange transactions, unless otherwise provided for by laws.

Article 8              The following foreign exchange transactions constitute large-value foreign exchange transactions:

(1)     Any single deposit, withdrawal, purchase or sale of foreign exchange cash above US$10,000 or its equivalent, or the accumulated amount of multiple deposit, withdrawal, purchase or sale transactions of foreign exchange within one day above US$10,000 or its equivalent;

(2)     Foreign exchange non-cash receipt and payment transactions made through transfer, bills, bank card, telephone-banking, internet banking or other electronic transactions or other new financial instruments in which a single transaction volume or accumulated transaction volume within one day exceeding US$100,000 or its equivalent by individual customers, and in the case of corporate customers, a single transaction volume or accumulated transaction volume within one day exceeding US$500,000 or its equivalent.

Article 9              The following foreign exchange transactions constitute suspicious foreign exchange cash transactions:

(1)     Frequent deposit and/or withdrawal of large amount of foreign exchange cash from an individual bankcard or individual deposit account that are apparently not commensurate with the identity of or use of fund by the cardholder or account owner;

(2)     An individual resident transferring to or withdrawing cash in large amount in a foreign country after depositing large amount of foreign exchange cash in a bankcard in China;

(3)     Frequent depositing, withdrawal or sale of foreign exchange through an individual foreign exchange cash account below the SAFE validated threshold;

(4)    Non-resident individual requiring banks to open traveler's check or draft to convert large amount of foreign exchange cash he/she has brought into China in order to take the fund out of China;

(5)     Frequently depositing large amount of foreign exchange cash in a bankcard held by non-resident individual;

(6)     Frequent and large-amount fund movement through a corporate foreign exchange account not commensurate with the business activities of the account owner;

(7)     Regular and large-amount cash deposit into a corporate foreign exchange account without withdrawal of large amount of cash from the said account;

(8)     An enterprise frequently receiving export proceeds in cash that is apparently not commensurate with the range and size of its business;

(9)     The RMB fund that an enterprise uses to buy foreign exchange for overseas investment is mostly in cash or has been transferred from a bank account not belonging to the said enterprise;

(10) The RMB fund that a foreign-funded enterprise uses to buy foreign exchange for repatriation of profit is mostly in cash or has been transferred from a bank account not belonging to the said enterprise;

(11) A foreign-funded enterprise making investment in foreign exchange cash.

Article 10            The following foreign exchange transactions constitute suspicious foreign exchange non-cash transactions:

(1) Foreign exchange account of an individual resident frequently receiving fund from domestic accounts that are not under the same name;

(2) An individual resident frequently receiving large amount of foreign exchange remittance from abroad before remitting the total amount out in the original denomination, or frequently remitting foreign exchange fund of the same denomination that is transferred from abroad in large amount;

(3) Non-resident individual frequently receiving remittance in large amount from abroad, especially from countries (regions) with serious problems of narcotics production and trafficking;

(4) Foreign exchange account of a resident or non-resident individual with a regular pattern of receiving large amount of fund which is withdrawn in several transactions the next day, and then receiving large amount of fund again which is withdrawn in several transactions the next day;

(5) An enterprise making frequent and large advance payment for import and commission under trade account below the SAFE validated threshold through its foreign exchange account;

(6) An enterprise frequently receiving, through its foreign exchange account, export payment in bills (such as check, draft and promissory note) in large amount;

(7) Dormant foreign exchange accounts or foreign exchange accounts usually with no large fund movement suddenly receiving abnormal foreign exchange fund inflow, and the inflow gradually becoming larger in a short period of time;

(8) An enterprise having frequent and large amount fund transactions through its foreign exchange account not commensurate with the nature and size of its business operation;

(9) The foreign exchange account of an enterprise becoming inactive abruptly following frequent and large amount inflow and outflow of fund;

(10) Frequent fund movement through the foreign exchange account of an enterprise in amounts divisible by thousand;

(11) Rapid inflow and outflow of fund through the foreign exchange account of an enterprise, the amount of which is big within one day but the outstanding balance of the account is very small or nil;

(12) The foreign exchange account of an enterprise remitting abroad the bulk of balance received in multiple small amount electronic transfers, check or draft deposits; (13) A domestic enterprise opening an offshore account in the name of an overseas legal person or natural person, and the said offshore account experiencing regular fund movement;

(14) An enterprise remitting fund to many domestic residents through an offshore account and surrendering foreign exchange to banks in the name of donation, the transfer of fund and foreign exchange sales all done by one person or few persons;

(15) The annual expatriation of profit by a foreign-funded enterprise exceeding the amount of originally invested equity by a large margin and obviously not commensurate with its business operation;

(16) A foreign-funded enterprise rapidly moving the fund abroad in a short period of time after receiving the investment, which is not commensurate with the payment demand of its business operation;

(17) Offsetting deposit and loan transactions with affiliates or connected companies of financial institutions located in regions with serious smuggling, drug trafficking or terrorist activities or other crimes;

(18) Securities institutions ordering banks to transfer foreign exchange fund not for the purpose of securities dealing or settlement;

(19) Securities institutions that engages in B share trading business frequently borrowing large amount of foreign exchange fund through banks; and

(20) Insurance institutions frequently making compensation payment in large amount to or discharging insurance in large amount for the same overseas policy holder through banks.

Article 11            Financial institutions shall report the large-value or suspicious foreign exchange fund transactions as defined by Articles 8, 9 and 10 monthly in hard copy as well as in electronic copy.

Article 12            Financial institutions shall examine the following foreign exchange cash transactions and report promptly any discovery of suspected money laundering in hard copy with relevant documents attached.

(1)     Amount of expenditure of foreign exchange account roughly tallying with the amount of deposit in the previous day;

(2)     Depositing foreign exchange or renminbi cash in many transactions in the foreign exchange deposit accounts of other individuals and receiving at the same time renminbi or foreign exchange of equivalent amount;

(3)     An enterprise frequently purchasing foreign exchange with renminbi cash.

Article 13            Financial institutions shall conduct verification over the following non-cash foreign exchange transactions, and shall promptly report any discovering of suspected money laundering activity and attach related files to the superior authorities:

(1)  An individual resident frequently switching from one denomination to another when conducting foreign exchange transactions apparently with no profit-seeking purpose;

(2)  An individual resident asking a bank to issue traveler's check or draft after frequently receiving foreign exchange remittance from abroad;

(3)  A non-resident individual frequently ordering traveler's check or cashing traveler's check or draft in large amount through foreign exchange account;

(4)  When opening foreign exchange account, an enterprise declining to provide supporting documents or general information on different occasions;

(5)  An enterprise group making internal foreign exchange fund transfer exceeding the volume of actual business operation;

(6)  An enterprise providing incomplete documents when surrendering to or purchasing foreign exchange from a bank, or the amount of buying or selling suddenly expanding, selling and buying becoming more frequent, or the amount of foreign exchange sold to the bank apparently exceeding the normal level of its business operation;

(7)  When entering an item of export revenue into an account in a bank, an enterprise failing to provide valid documents but frequently collecting foreign exchange sales statement (for verification purpose), or rejecting to provide valid documents but frequently collecting foreign exchange sales statement (for verification purpose);

(8)  An enterprise frequently receiving foreign exchange, making foreign exchange payment or frequently selling foreign exchange to banks, all in large amount, for the purpose of donation, advertising, sponsoring conference or exhibition, which is apparently not commensurate with its range of business;

(9)  An enterprise frequently receiving foreign exchange, making  foreign exchange payment, or frequently selling foreign exchange to banks, all in large amount, for the purchase of buying or selling technology or trade mark right or other intangible assets, which is apparently not commensurate with its range of business;

(10)  Freight, premium and commission paid by an enterprise apparently not commensurate with its import and export trade;

(11)  An enterprise often depositing traveler's check or foreign exchange draft, especially those issued abroad and not commensurate with its business operation;

(12)  An enterprise suddenly paying its overdue foreign exchange loan in full with fund whose source is unspecified or not commensurate with the background of the said enterprise;

(13)  An enterprise applying for a loan guaranteed by assets or credit belonging to itself or a third party, the source of which is unspecified or not commensurate with the background of the customer;

(14)  Raising fund abroad through letter of credit with no foreign trade background or other means;

(15)  An enterprise knowingly conducting loss-making sales or purchase of foreign exchange;

(16)  An enterprise seeking to conduct a swap between the local currency and foreign currency for a fund whose source and use is unspecified;

(17)  The capital invested by the foreign partner of a foreign-funded enterprise exceeding the approved amount or direct external borrowing of a foreign-funded enterprise being remitted from a third country where there is no connected enterprise;

(18)  Local currency fund converted from capital invested by the foreign partner of a foreign-funded enterprise or external borrowing being diverted to bank accounts for securities and other investment, which is not commensurate with its business operation;

(19)  Fund movement in and out of the foreign exchange cash account of an financial institution apparently not commensurate with the size of the deposit in the account, or the fluctuation of fund movement apparently exceeding the change in the size of deposit;

(20)  Fund movement of the internal foreign exchange transaction accounts of a financial institution apparently not commensurate with its daily business operation;

(21)  Fund movement of the inter-bank foreign exchange transaction account, onshore and offshore business transaction account, or account for transactions with overseas affiliates apparently not commensurate with the daily business operation of the financial institution;

(22)  Foreign exchange credit or settlement between a financial institution and its connected enterprises fluctuating by a large margin within a short period of time;

(23)  A financial institution buying an insurance policy with large value foreign currency cash; and

(24)  Any foreign exchange fund transaction being suspected with proper reasons by the staff of a bank or other financial institutions as money laundering.

Article 14            Tier-one branches located in provincial capital, capital of autonomous region and municipality directly under the central government of a financial institution shall act as the major reporting unit  and the head office of the financial institution shall designate a major reporting unit if there is no such branch in these places.

Sub-branches and offices of a financial institution shall report, within the first five work days of every month, large-value and suspicious foreign exchange fund transactions of the preceding month through their superior office to the major reporting unit and at the same time to the local branch office of SAFE.

Each major reporting unit shall summarize large-value and suspicious foreign exchange fund transactions that take place in the province, autonomous region or municipality directly under central government in the preceding month and report, within the first 15 work days of every month, to the local branch office of SAFE.

The head office of each financial institution shall report, within the first five days of every month, large-value and suspicious foreign exchange fund transactions that take place within the head office in the preceding month to the local branch office of SAFE.

Article 15            When a financial institution discovers suspected crime during the examination and analysis of large-value and suspicious foreign exchange fund transactions, it shall report to the local public security authority and local SAFE office within three work days as of the day of discovery.

Article 16            SAFE branch offices in every province, autonomous region, and municipality directly under the central government shall summarize large-value and suspicious foreign exchange fund transactions reported by financial institutes and report to SAFE head office within the first 20 work days of every month; when a foreign exchange transaction is suspected as crime, the case shall be transferred promptly to local public security authority and to the SAFE head office.

Article 17            In the case of any of the following misconduct by a financial institution, the SAFE shall issue a warning, order the financial institution to take remedial action, and impose a fine between RMB10,000 yuan to RMB30,000 yuan.

(1)  Failing to report, according to relevant rules and regulations, large-value or suspicious foreign exchange fund transactions;

(2)  Failing to keep large-value or suspicious foreign exchange transactions in record as stipulated by relevant rules and regulations;

(3)  Disclosing large-value or suspicious foreign exchange fund transactions in violation of relevant rules and regulations; and

(4)  Opening foreign exchange account without examining account-opening document.

Article 18            When a financial institution opens a foreign exchange account for an individual customer without examining account-opening documents, the SAFE shall issue a warning, order it to take remedial action and may impose a fine between RMB1,000 yuan and RMB5,000 yuan.

Article 19            When a financial institution brings about grave loss as a result of its serious violation of these Rules, the SAFE may cease or revoke its approval for foreign exchange purchase and sales business in part or in full.

Article 20            Disciplinary penalty shall be imposed on the staff of a financial institution who provides assistance to money-laundering activities; when the misconduct constitutes a violation of the criminal law, the case shall be transferred to judiciary authorities.

Article 21     "Frequent" in these Rules means foreign exchange fund transactions occurring at least three times each day or occurring daily for at least five days in a row.

"Large amount" in these Rules refers to amount close to the threshold amount for reporting as a large-value foreign exchange transaction.

"A short period of time" in these Rules means within 10 business days.

When "above", "between" and "up to" are used to indicate a threshold number, a floor or a ceiling, the number that ensues any of them is also included.

Article 22            These Rules shall enter into effect as of March 1, 2003.


金融机构大额和可疑外汇资金交易报告管理办法

中国人民银行令〔2003〕第3号

根据《中华人民共和国中国人民银行法》等法律法规的规定,中国人民银行制定了《金融机构大额和可疑外汇资金交易报告管理办法》,经2002年9月17日第7次行务会审议通过,现予公布,自2003年3月1日起实施。

                       行长:周小川

二○○三年一月三日

金融机构大额和可疑外汇资金交易报告管理办法

第一条 为监测大额和可疑外汇资金交易,规范外汇资金交易报告行为,根据《中华人民共和国外汇管理条例》等有关规定,制定本办法。

第二条 境内经营外汇业务的金融机构(以下简称金融机构)应当按照本办法规定,向国家外汇管理部门报告大额和可疑外汇交易情况。

大额外汇资金交易,系指交易主体通过金融机构以各种结算方式发生的规定金额以上的外汇交易行为。

可疑外汇资金交易,系指外汇交易的金额、频率、来源、流向和用途等有异常特征的交易行为。

第三条 国家外汇管理局及其分支局(以下简称外汇局)负责大额和可疑外汇资金交易报告工作的监督和管理。

第四条 金融机构为客户开立外汇账户,应当遵守《个人存款账户实名制规定》和《境内外汇账户管理规定》,不得为客户设立匿名外汇账户或明显以假名开立外汇账户。

金融机构为客户办理外汇业务应当核对其真实身份信息,主要包括单位名称、法定代表人或负责人姓名、身份证件及其号码、开户的证明文件、组织机构代码、住 所、注册资本、经营范围、经营规模、账户的日平均收付发生额等信息和个人银行账户存款人的姓名、身份证件及其号码、住所、职业、经济收入、家庭状况等信 息。

第五条 金融机构应当将所有大额和可疑外汇资金交易记录,自交易日起至少保存5年。

第六条 金融机构应当建立和完善内部反洗钱工作岗位责任制,制定内部反洗钱工作操作程序,明确专人负责对大额和可疑外汇资金交易进行记录、分析和报告。

第七条 金融机构不得向任何单位或个人泄露大额和可疑外汇资金交易信息,但法律另有规定的除外。

第八条 下列外汇交易属于大额外汇资金交易:

(一)当日存、取、结售汇外币现金单笔或累计等值1万美元以上。

(二)以转账、票据或银行卡、电话银行、网上银行等电子交易以及其他新型金融工具等进行外汇非现金资金收付交易,其中,个人当天单笔或累计等值外汇10万美元以上,企业当天单笔或累计等值外汇50万美元以上。

第九条 下列外汇交易属于可疑外汇现金交易:

(一)居民个人银行卡、储蓄账户频繁存、取大量外币现金,与持卡人(储户)身份或资金用途明显不符的;

(二)居民个人在境内将大量外币现金存入银行卡,在境外进行大量资金划转或提取现金的;

(三)居民个人通过现汇账户在国家外汇管理局审核标准以下频繁入账、提现或结汇的;

(四)非居民个人频繁携带大量外币现金入境存入银行后,要求银行开旅行支票或汇票带出的;

(五)非居民个人银行卡频繁存入大量外币现金的;

(六)企业外汇账户中频繁有大量外币现金收付,与其经营活动不相符的;

(七)企业外汇账户没有提取大量外币现金,却有规律地存入大量外币现金的;

(八)企业频繁发生以现金方式收取出口货款,与其经营范围、规模明显不符的;

(九)企业用于境外投资的购汇人民币资金大部分为现金或从非本单位银行账户转入的;

(十)外商投资企业利润汇出的购汇人民币资金大部分为现金或从其他单位银行账户转入的;

(十一)外商投资企业以外币现金方式进行投资的。

第十条 下列外汇交易属于可疑外汇非现金交易:

(一)居民个人外汇账户频繁收到境内非同名账户划转款项的;

(二)居民个人频繁收到从境外汇入的大量外汇再集中原币种汇出,或集中从境外汇入大量外汇再频繁多笔原币种汇出的;

(三)非居民个人外汇账户频繁收到境外大量汇款,特别是从生产、贩卖毒品问题严重的国家(地区)汇入款项的;

(四)居民、非居民个人外汇账户有规律出现大额资金进账,第二日分笔取出,然后又有大额资金补充,次日又分笔取出的;

(五)企业通过其外汇账户频繁大量发生在外汇局审核标准以下的对外支付进口预付货款、贸易项下佣金等;

(六)企业通过其外汇账户频繁大量发生以票汇(支票、汇票、本票等)方式结算的出口收汇的;

(七)企业一些休眠外汇账户或平常资金流量小的外汇账户突然有异常外汇资金流入,并且外汇资金流量短期内逐渐放大的;

(八)企业通过其外汇账户频繁发生大量资金往来,与其经营性质、规模不相符的;

(九)企业外汇账户频繁发生大量资金收付,持续一段时间后,账户突然停止收付;

(十)企业外汇账户资金流动以千位或万位为单位的整数资金往来频繁;

(十一)企业外汇账户资金快进快出,当天发生额很大,但账户余额很小或不保留余额;

(十二)企业外汇账户在短时间内收到多笔小额电汇或使用支票、汇票存款后,将大部分存款汇出境外;

(十三)境内企业以境外法人或自然人名义开立离岸账户,且资金呈有规律流动;

(十四)企业从一个离岸账户汇款给多个境内居民,并以捐赠等名义结汇,其资金的划转和结汇均由一人或少数人操作的;

(十五)外商投资企业年利润汇出大幅超出原投入股本或明显与其经营状况不符;

(十六)外商投资企业在收到投资款后,在短期内将资金迅速转到境外,与其生产经营支付需求不符;

(十七)与走私、贩毒、恐怖活动等犯罪严重地区的金融机构附属公司或关联公司进行对销存款或贷款交易;

(十八)证券经营机构指令银行划出与交易、清算无关外汇资金的;

(十九)经营B股业务的证券经营机构通过银行频繁大量拆借外汇资金的;

(二十)保险机构通过银行频繁大量对同一家境外投保人发生赔付或退保行为。

第十一条 金融机构对本办法第八条、第九条和第十条所规定情形的大额或可疑外汇资金交易行为须按月以纸质文件、电子文件形式同时上报。

第十二条 金融机构应当对符合下列情形的外汇现金交易进行核查,发现涉嫌洗钱的,应及时以纸质文件上报并附相关附件。

(一)外汇账户的支出金额与当日或前一日的现金存款额基本吻合;

(二)将多笔外汇或人民币现金分别存入他人外币储蓄账户,同一账户所有人同时收取相应数额的人民币或外汇;

(三)企业频繁使用大量人民币现钞购汇。

第十三条 金融机构应当对符合下列情形的外汇非现金交易进行核查,发现涉嫌洗钱的,应及时以纸质文件上报并附相关附件。

(一)居民个人办理个人实盘买卖业务时,频繁转换币种,明显不谋求盈利的;

(二)居民个人外汇账户频繁收到境外汇入的外汇后,要求银行开旅行支票或汇票的;

(三)非居民个人外汇账户频繁作出订购或兑现大量旅行支票或汇票的;

(四)企业在开立外汇账户时多次拒绝向银行提供有关开户所需的证明文件或不愿提供一般信息的;

(五)企业集团内部外汇资金往来划转超出实际业务交易金额的;

(六)企业结、售汇单证不全,结、售汇金额突然增大,结、售汇频率加快或者结、售汇金额明显超过其正常经营水平的;

(七)企业在银行办理出口入账手续时,无有效商业单据却频繁领取结汇水单(核销专用联),或拒绝提供有效商业单据而频繁领取结汇水单(核销专用联)的;

(八)企业频繁、大量发生捐赠、广告、会展等收汇、结汇及付汇,与其业务范围明显不符的;

(九)企业频繁、大量发生买卖专有技术、商标权等无形资产项下的收汇、结汇及付汇,与其业务经营明显不符的;

(十)企业支付的运保费及佣金明显与其进出口贸易不符的;

(十一)企业经常存入旅行支票及外币汇票存款,特别是此类支票及汇票是境外开具,与其经营状况不符的;

(十二)企业突然还清逾期外汇贷款,而款项来源不明或与客户背景不相符的;

(十三)企业申请以其机构或第三者拥有的资产或信用作为贷款的担保,而这些资产来源不明或与客户背景不相符的;

(十四)利用无贸易背景信用证或其他方式在境外融资的;

(十五)企业在办理外汇买卖业务时,在明知有损失的情况下,仍坚持办理的;

(十六)企业要求进行本外币间的掉期业务,而其资金的来源和用途不明的;

(十七)外商投资企业外方投入资本金数额超过批准金额或借入的直接外债,从无关联企业的第三国汇入;

(十八)外商投资企业外方投入资本金或借入外债结汇的人民币转入证券等投资领域的银行账户,与其经营状况不符;

(十九)金融机构外汇现金账户收、付金额与外汇存款规模明显不符,或波动明显超过外汇存款的变化幅度;

(二十)金融机构系统内外汇资金往来账户收支与日常业务经营状况明显不符;

(二十一)金融机构同业往来账户,在岸与离岸业务往来账户,与境外分支机构的往来账户收付情况与日常业务经营状况明显不符;

(二十二)金融机构与其关联企业的外汇信贷、结算业务在短期内急剧增加或减少的;

(二十三)金融机构以大额外币现金投保的;

(二十四)银行等金融机构职员以合理理由怀疑的任何外汇资金交易。

第十四条 金融机构设在省会、自治区首府、直辖市的一级分支机构为主报告机构,省会、自治区首府、直辖市没有一级分支机构的,由金融机构总部指定主报告机构。

金融机构各分支机构应于每月初5个工作日内汇总上月大额和可疑外汇资金交易情况,逐级上报至主报告机构。同时报送外汇局当地分支局。

各主报告机构应于每月15日前汇总各省、自治区、直辖市内上月大额和可疑外汇资金交易情况,报所在地的国家外汇管理局省、自治区、直辖市分局。

各金融机构总部应于每月5日前将自身发生的上月大额和可疑外汇资金交易情况报外汇局当地分支局。

第十五条 金融机构对大额和可疑外汇资金交易进行审核、分析,发现涉嫌犯罪的,应于发现之日起3个工作日内报当地公安部门并报送外汇局分支局。

第十六条 国家外汇管理局省、自治区、直辖市分局将金融机构上报的大额和可疑外汇资金交易汇总情况于每月20日前报告国家外汇管理局总局;对涉嫌犯罪的外汇资金交易应当及时移送当地公安部门,并上报总局。

第十七条 金融机构有下列情形之一的,由外汇局责令改正,给予警告,可以处以1万元以上3万元以下罚款:

(一)未按规定报告大额或可疑外汇资金交易的;

(二)未按规定保存大额或可疑外汇资金交易记录的;

(三)违反规定泄露大额或可疑外汇资金交易信息的;

(四)未按规定审查开户资料为单位开立外汇账户的。

第十八条 金融机构未按规定审查开户资料为个人开立外汇账户的,由外汇局责令改正,给予警告,可以处以1000元以上5000元以下罚款。

第十九条 金融机构违反本办法,情节严重造成重大损失的,外汇局可以暂停或停止其部分或全部结售汇业务。

第二十条 金融机构工作人员违反有关规定,协助进行洗钱的,应当给予纪律处分;构成犯罪的,移交司法机关依法追究刑事责任。

第二十一条 本办法下列用语的含义如下:

“频繁”系指外汇资金交易行为每天发生3次以上或每天发生持续5天以上。

“大量”系指接近上述规定的大额外汇资金的报告标准限额的金额。

“短期”系指10个营业日以内。

“以上”、“以下”,均包括本数。

第二十二条 本办法自2003年3月1日起施行。