2. Financial institutions shall regularly evaluate the transaction monitoring standards and improve the transaction monitoring standards according to the evaluation results. In case of emergency or concern, financial institutions should timely evaluate and improve the transaction monitoring standards.
3. Financial institutions should manually analyze and identify the transactions screened by transaction monitoring standards, and record the analysis process; If it is not reported as a suspicious transaction, it shall record and analyze the reasonable reasons for exclusion; If it is confirmed as a suspicious transaction, the analysis process of customer identity characteristics, transaction characteristics or behavior characteristics shall be fully recorded in the reasons for reporting suspicious transactions.
4. Financial institutions shall, in accordance with the internal operating procedures for suspicious transaction reports, submit suspicious transaction reports in electronic form in a timely manner after suspicious transactions are confirmed.
Extended data:
Analysis on the key points of suspicious transactions against money laundering;
Legal basis: Article 11 of the Administrative Measures of China People's Bank on Reports of Large Transactions and Suspicious Transactions of Financial Institutions: Commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings and remittance institutions, policy banks and trust and investment companies shall report the following transactions or behaviors as suspicious transactions:
(1) The centralized transfer of funds in a short period of time, or the centralized transfer of funds, is obviously inconsistent with the customer's identity, financial status and business operation.
Analysis: Decentralized transfer-in and centralized transfer-out of funds refer to transferring funds from multiple accounts to one account within 10 working days, and then transferring funds equivalent to the accumulated amount of transferred funds to another account; Centralized transfer-in and decentralized transfer-out of funds refer to transferring funds into one account within 10 working days, and then transferring funds roughly equivalent to the transferred funds into other accounts in a short time.
(two) the same payee frequently receives and pays funds in a short period of time, and the transaction amount is close to the large transaction standard.
Analysis: within 10 working day, there are more than three business days between the same payee (excluding transactions between accounts with the same name), or there are fund receipts and payments lasting more than three days on business days, and the transaction amount is close to the standard of large-value transactions.
(3) Legal persons, other organizations and individual industrial and commercial households frequently receive remittances obviously unrelated to their business in a short period of time, or natural person customers frequently receive remittances from legal persons and other organizations in a short period of time.
Analysis: legal persons, other organizations and individual industrial and commercial households have occurred more than three times on business days within 10 working days and received remittances that are obviously unrelated to their business operations; If the business days of natural person customers occur more than three times within 10 working day, or the business days last more than three days, they will receive remittances from legal persons and other organizations.