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| Notice by the People's Bank of China and the State Administration of Foreign Exchange of Issuing the Guidelines on the Anti-money Laundering and Anti-terrorist Financing Work of Banks for Cross-Border Business (for Trial Implementation) (No. 16 [2021] of the People's Bank of China) | | 中国人民银行、国家外汇管理局关于印发《银行跨境业务反洗钱和反恐怖融资工作指引（试行）》的通知（银发〔2021〕16号） |
| The People's Bank of China (“PBC”) Shanghai Head Office; all branches and operations offices of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and central sub-branch of the PBC in Shenzhen; the branches and foreign exchange administrative departments of the State Administration of Foreign Exchange (“SAFE”) in all provinces, autonomous regions, and municipalities directly under the Central Government; the SAFE branches in Shenzhen, Dalian, Qingdao, Xiamen, and Ningbo; China Development Bank; all policy banks, state-owned commercial banks and joint-stock commercial banks; and Postal Savings Bank of China: | | 中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行，深圳市中心支行；国家外汇管理局各省、自治区、直辖市分局、外汇管理部，深圳、大连、青岛、厦门、宁波市分局；国家开发银行，各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行： |
| For the purposes of regulating the management of the cross-border business by banks and preventing the risks of money laundering, terrorist financing, and illegal cross-border flows of funds, the PBC and the SAFE have formulated the Guidelines on the Anti-Money Laundering and Anti-Terrorist Financing Work of Banks for Cross-Border Business (for Trial Implementation), which are hereby issued for your implementation based on the actual work, and give notification of the relevant matters as follows. | | 为规范银行跨境业务管理，防范洗钱、恐怖融资及跨境资金非法流动风险，中国人民银行、国家外汇管理局制定了《银行跨境业务反洗钱和反恐怖融资工作指引（试行）》，现印发给你们，请结合工作实际予以执行，并就有关事项通知如下。 |
| I. The PBC and its branch offices shall perform anti-money laundering and anti-terrorist financing supervision and management duties in accordance with the law; and the SAFE and its branch offices shall effectively cooperate in light of their duties. | | 一、中国人民银行及其分支机构依法履行反洗钱和反恐怖融资监督管理职责；国家外汇管理局及其分支机构结合工作职责做好配合工作。 |
| II. A banking institution shall, according to the Guidelines on the Anti-money Laundering and Anti-terrorist Financing Work of Banks for Cross-Border Business (for Trial Implementation) mutatis mutandis, formulate comprehensive, systematic, and well-regulated business management guidelines for various items of cross-border business, and make timely adjustments and revisions based on the requirements for cross-border business management and anti-money laundering and anti-terrorist financing provisions, so as to effectively prevent the money laundering and terrorist financing risks to cross-border business. | | 二、银行业金融机构参照《银行跨境业务反洗钱和反恐怖融资工作指引（试行）》规定，针对各项跨境业务制定全面、系统、规范的业务管理指引，并根据跨境业务管理要求及反洗钱和反恐怖融资相关规定，及时调整和修订，切实防范跨境业务洗钱和恐怖融资风险。 |
| The branch offices of the PBC shall forward this Notice to urban commercial banks, rural commercial banks, foreign-funded banks, and other institutions with anti-money laundering obligations that engage in cross-border business within their respective jurisdictions. | | 请中国人民银行分支机构将本通知转发至辖区内城市商业银行、农村商业银行、外资银行及其他从事跨境业务的反洗钱义务机构。 |
| Annex: Guidelines on the Anti-money Laundering and Anti-terrorist Financing Work of Banks for Cross-Border Business (for Trial Implementation) | | 附件：银行跨境业务反洗钱和反恐怖融资工作指引（试行） |
| The People's Bank of China | | 中国人民银行 |
| State Administration of Foreign Exchange | | 国家外汇管理局 |
| January 19, 2021 | | 2021年1月19日 |
| Annex | | 附件 |
| Guidelines on the Anti-money Laundering and Anti-terrorist Financing Work of Banks for Cross-Border Business (for Trial Implementation) | | 银行跨境业务反洗钱和反恐怖融资工作指引（试行） |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 [Legislative Purpose and Basis] For the purposes of regulating the management of the cross-border business by banks and preventing the risks of money laundering, terrorist financing and illegal cross-border flows of funds, these Guidelines are formulated in accordance with the Law on the People's Bank of China of the People's Republic of China, the Anti-Money Laundering Law of the People's Republic of China, the Regulation of the People's Republic of China on the Administration of Foreign Exchange, the Opinions of the General Office of the State Council on Improving the Regulatory Systems and Mechanisms of Combating Money Laundering, Financing of Terrorism, and Tax Evasion and other provisions. | | 第一条 【立法目的和依据】为规范银行跨境业务管理，防范洗钱、恐怖融资及跨境资金非法流动风险，依据《中华人民共和国中国人民银行法》《中华人民共和国反洗钱法》《中华人民共和国外汇管理条例》《国务院办公厅关于完善反洗钱、反恐怖融资、反逃税监管体制机制的意见》等规定，制定本指引。 |
| Article 2 [Definition of Cross-Border Business] For the purposes of these Guidelines, "cross-border business" means the cross-border receipt and payment activities in domestic or foreign money and domestic foreign exchange business activities conducted by domestic and foreign institutions and individuals. | | 第二条 【跨境业务定义】本指引所指跨境业务是指境内外机构、境内外个人发生的跨境本外币收支活动和境内外汇经营活动。 |
| Article 3 [Working Principles] A bank handling cross-border business shall, in strict compliance with anti-money laundering laws and regulations and relevant rules of the People's Bank of China ("PBC") and the State Administration of Foreign Exchange ("SAFE"), under the provisions and requirements of these Guidelines, oriented to risks, effectively perform the duty of "know your customer, know your business, and due diligence," and effectively identify, assess, monitor and control the money laundering and terrorist financing risks in cross-border business. | | 第三条 【工作原则】银行办理跨境业务应严格执行反洗钱法律法规及中国人民银行、国家外汇管理局有关规定，按照本指引规定和要求，以风险为本，切实履行“了解你的客户、了解你的业务、尽职审查”职责，有效识别、评估、监测和控制跨境业务的洗钱和恐怖融资风险。 |
| Article 4 [Steps of Management] The identification, assessment, monitoring and control of the money laundering and terrorist financing risks in cross-border business by banks shall underpin cross-border business throughout the process, including customer background checks, business review, continuous monitoring, retention of information and materials, and reporting. | | 第四条 【管理环节】银行对跨境业务洗钱和恐怖融资风险的识别、评估、监测和控制工作，应贯穿整个跨境业务流程，包括客户背景调查、业务审核、持续监控、信息资料留存及报告等。 |
| Article 5 [Internal Control Requirements] A bank shall, in light of the cross-border business process and management requirements, establish and improve an anti-money laundering and anti-terrorist financing internal control system, and specify the division of duties to identify, assess, monitor and control the money laundering and terrorist financing risks in cross-border business. | | 第五条 【内控要求】银行应结合跨境业务流程及管理要求，建立健全反洗钱和反恐怖融资内部控制体系，明确跨境业务洗钱和恐怖融资风险识别、评估、监测和控制的职责分工。 |
| Article 6 [Risk Alerts] In the process of transacting cross-border business, a bank shall, according to the relevant risk alerts issued by the PBC, the China Banking and Insurance Regulatory Commission, the SAFE, and other financial regulatory authorities, in addition to these Guidelines, find risk vulnerabilities and weak steps, and take targeted risk control measures. | | 第六条 【风险提示】银行在办理跨境业务过程中，除按本指引执行外，还应根据中国人民银行、中国银行保险监督管理委员会、国家外汇管理局等金融管理部门发布的相关风险提示，查找风险漏洞和薄弱环节，采取有针对性的风险控制措施。 |
| Chapter II Customer Due Diligence | | 第二章 客户尽职调查 |
| Article 7 [Due Diligence Requirements] When opening a foreign exchange account for a customer or establishing a cross-border business relationship with a customer, a bank shall, in effective compliance with the principle of "know your customer," in strict accordance with requirements for combat against money laundering, combat against terrorist financing, and management of cross-border business, use reliable data or information and supporting documents from independent sources to identify and verify customer identity, fully know the beneficial owner of the customer, in the case of a non-natural person, among others, and ensure that the customer is qualified to engage in the related business and that customer identification information is complete, accurate and current. | | 第七条 【尽职调查要求】银行应在为客户开立外汇账户或与客户建立跨境业务关系时，切实落实“了解你的客户”原则，严格按照反洗钱和反恐怖融资以及跨境业务管理相关要求，使用可靠的数据或信息、独立来源的证明文件对客户身份进行识别和核实，充分了解非自然人客户受益所有人等，确保客户具备从事相关业务的资格， 以及客户身份信息的完整性、准确性和时效性。 |
| Article 8 [Due Diligence Information] When granting access to and during the period of cross-border business, a bank shall identify customer background information, including without limitation the risk levels of money laundering and terrorist financing, records of violation of provisions kept by relevant regulatory authorities and banks, and records of misconduct of the customer; and the operating condition of the customer, shareholders or actual controllers, beneficial owners, major affiliated enterprises and counterparties, credit records, financial indicators, sources and uses of funds, the purpose and nature of establishing the business relationship, the purpose and logic of transactions, conduct of foreign-related operations and cross-border receipts and payments, and whether the customer is a political public figure. | | 第八条 【尽职调查信息】银行在办理跨境业务的准入和存续期间，应识别客户以下背景信息，包括但不限于：客户洗钱和恐怖融资风险等级、在相关监管部门和银行的违规记录、不良记录等；客户经营状况、股东或实际控制人、受益所有人、主要关联企业与交易对手、信用记录、财务指标、资金来源和用途、建立业务关系的意图和性质、交易意图及逻辑、涉外经营和跨境收支行为、是否为政治公众人物等。 |
| Article 9 [Management by Risk Level] A bank shall, in accordance with the current anti-money laundering and anti-terrorist financing laws and regulations, reasonably determine the risk levels of money laundering and terrorist financing of customers, take corresponding control measures based on risk condition, and achieve dynamic tracking of risks on the basis of continuous attention. | | 第九条 【风险等级分类管理】银行应按照现行反洗钱和反恐怖融资法律法规，合理确定客户的洗钱和恐怖融资风险等级，根据风险状况采取相应的控制措施，并在持续关注的基础上实现对风险的动态追踪。 |
| ．．．．．． | | ．．．．．． |
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