(1) After the time deposit expires, it will not be withdrawn or transferred directly, but the principal or principal plus all or part of interest will be continuously deposited in another account under the same account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.
Extended data:
1. If a financial institution finds or has reasonable reason to suspect that a customer, his funds or other assets, his transactions or attempted transactions are related to criminal activities such as money laundering and terrorist financing, it shall submit a suspicious transaction report regardless of the amount involved and the value of the assets.
2. Financial institutions shall formulate their own transaction monitoring standards and be responsible for their effectiveness. Transaction monitoring standards include, but are not limited to, the identity and behavior of customers, as well as the source, amount, frequency, flow direction and nature of transactions, and should refer to the following factors:
(1) Guidelines on anti-money laundering and anti-terrorist financing laws and regulations, risk warnings, analysis reports on money laundering types and risk assessment reports issued by the People's Bank of China and its branches.
(2) analysis of crime situation, risk early warning, crime type report and work report issued by public security organs and judicial organs.
(3) The assets scale, geographical distribution, business characteristics, customer groups and transaction characteristics of the institution, and the risk assessment conclusions of money laundering and terrorist financing.
(4) Anti-money laundering supervision opinions issued by the People's Bank of China and its branches.
(5) Other factors required by the People's Bank of China.
China government net-Measures for the administration of large-value transactions and suspicious transaction reports of financial institutions