(1) Policy banks, commercial banks, rural cooperative banks, rural credit cooperatives and village banks.
(2) Securities companies, futures companies and fund management companies.
(3) Insurance companies, insurance asset management companies, insurance professional agencies and insurance brokerage companies.
(4) Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies, money brokerage companies and loan companies.
(5) Other institutions engaged in financial business that should perform anti-money laundering obligations as determined and announced by the People's Bank of China. Article 3 Financial institutions shall fulfill the obligation of reporting large-value transactions and suspicious transactions, submit large-value transactions and suspicious transactions reports to China Anti-Money Laundering Monitoring and Analysis Center, and accept the supervision and inspection of the People's Bank of China and its branches. Article 4 Financial institutions shall, through their headquarters or institutions designated by their headquarters, submit reports on large-value transactions and suspicious transactions in the ways and means specified in these Measures. Chapter II Report on Large-value Transactions Article 5 Financial institutions shall report the following large-value transactions:
(1) Cash receipts and payments in the form of cash deposit and withdrawal, cash settlement and sale of foreign exchange, cash remittance, cash bill payment, etc. with a single or cumulative transaction amount of more than RMB 50,000 yuan (including RMB 50,000 yuan) and a foreign currency equivalent of more than US$ 6,543,800 (including US$ 6,543,800).
(2) Transfer of funds with a single or cumulative transaction amount of more than RMB 2 million (including RMB 2 million) and a foreign currency equivalent of more than US$ 200,000 (including US$ 200,000) on the day when bank accounts and other bank accounts of non-natural customers occur.
(3) Transfer of domestic funds with a single or cumulative transaction amount of more than 500,000 yuan (including 500,000 yuan) and a foreign currency equivalent of more than 654.38+million dollars (including 654.38+million dollars) on the day when bank accounts and other bank accounts of natural person customers occur.
(4) Cross-border transfer of funds with a single or cumulative transaction amount exceeding RMB 200,000 (including RMB 200,000) and the equivalent foreign currency exceeding US$ 6,543.8+US$ 0,000 (including US$ 6,543.8+US$ 0,000) on the day when the bank account of a natural person customer and other bank accounts occurred.
The cumulative transaction amount is calculated and reported unilaterally according to the income or expenditure of funds with the customer as the unit. Unless otherwise stipulated by the People's Bank of China.
The People's Bank of China may adjust the reporting standards for large-value transactions as stipulated in the first paragraph of this article as needed. Article 6 For transactions that meet two or more criteria for large-value transactions at the same time, financial institutions shall submit large-value transaction reports respectively. Article 7 Financial institutions shall not report large-value transactions that meet one of the following conditions, if no transactions or suspicious behaviors are found:
(1) After the time deposit expires, it will not be withdrawn or transferred directly, but the principal or principal plus all or part of interest will be continuously deposited in another account under the same account name opened in the same financial institution.
The principal or principal plus all or part of interest of a demand deposit is converted into a time deposit in another account under the same account name opened by the same financial institution.
The principal or principal plus all or part of interest of a time deposit is converted into a demand deposit in another account under the same account name opened in the same financial institution.
(2) the conversion between different foreign currencies in the process of foreign exchange transactions of natural persons.
(3) One party to the transaction is party organs, state power organs, administrative organs, judicial organs, military organs, CPPCC organs, the People's Liberation Army and the Armed Police Force at all levels, but it does not include all kinds of enterprises and institutions under it.
(4) Inter-bank lending by financial institutions and bond trading in the inter-bank bond market.
(5) Gold transactions conducted by financial institutions in gold exchanges.
(6) Allocating funds within financial institutions.
(seven) transactions under the loan business of international financial organizations and foreign governments.
(8) Debt swap transactions under loans from international financial organizations and foreign governments.
(nine) tax, wrong account correction and interest payment handled by policy banks, commercial banks, rural cooperative banks, rural credit cooperatives and village banks.
(ten) other circumstances identified by the people's Bank of China. Article 8 A financial institution shall submit a large-value transaction report electronically within 5 working days from the date when the large-value transaction occurs. Article 9 Where the following financial institutions conduct financial transactions and transfer funds with customers through bank accounts, they shall submit large transaction reports in accordance with the provisions of these Measures:
(1) Securities companies, futures companies and fund management companies.
(2) Insurance companies, insurance asset management companies, insurance professional agencies and insurance brokerage companies.
(3) Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies, money brokerage companies and loan companies.