Chapter 1 General Provisions Article 1 In order to regulate the reporting of large transactions and suspicious transactions by financial institutions, in accordance with the Anti-Money Laundering Law of the People’s Republic of China and the Anti-Money Laundering Law of the People’s Republic of China, These Measures are formulated in accordance with the People's Bank of China Law, the Anti-Terrorism Law of the People's Republic of China and other relevant laws and regulations. Article 2 These Measures apply to the following financial institutions legally established within the territory of the People's Republic of China:

(1) Policy banks, commercial banks, rural cooperative banks, rural credit cooperatives, and village and town banks .

(2) Securities companies, futures companies, and fund management companies.

(3) Insurance companies, insurance asset management companies, professional insurance agencies, and insurance brokerage companies.

(4) Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, automobile finance companies, consumer finance companies, currency brokerage companies, and loan companies.

(5) Other institutions engaged in financial business that are determined and announced by the People's Bank of China and should fulfill anti-money laundering obligations. Article 3 Financial institutions shall fulfill their obligations to report large-value transactions and suspicious transactions, submit large-value transactions and suspicious transaction reports to the 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 A financial institution shall submit reports on large-value transactions and suspicious transactions through its headquarters or an institution designated by the headquarters in accordance with the channels and methods specified in these Measures. Chapter 2 Large-Amount Transaction Report Article 5 Financial institutions shall report the following large-amount transactions:

(1) Single or cumulative transactions of more than 50,000 yuan (including 50,000 yuan) on the day, foreign currency equivalents Cash deposits, cash withdrawals, cash foreign exchange settlements and sales, cash exchanges, cash remittances, cash bill payments and other forms of cash receipts and payments of more than 10,000 US dollars (including 10,000 US dollars).

(2) A single or cumulative transaction on the same day between the bank account of a non-natural person customer and other bank accounts exceeds RMB 2 million (including RMB 2 million), and the equivalent of foreign currency exceeds US$200,000 (including RMB 200,000) USD) transfer.

(3) A single or cumulative transaction of more than RMB 500,000 (including RMB 500,000) and a foreign currency equivalent of more than US$100,000 (including US$100,000) occurs between the bank account of a natural person customer and other bank accounts on the same day ) domestic transfer of funds.

(4) A single or cumulative transaction of more than RMB 200,000 (including RMB 200,000) and a foreign currency equivalent of more than US$10,000 (including US$10,000) occurs between the bank account of a natural person customer and other bank accounts on the same day ) cross-border transfer of funds.

The cumulative transaction amount is based on the customer, and is calculated and reported on a unilateral basis of fund income or expenditure. Unless otherwise specified by the People's Bank of China.

The People's Bank of China may adjust the large-amount transaction reporting standards specified in paragraph 1 of this article as necessary. Article 6 For transactions that meet two or more large-amount transaction standards at the same time, financial institutions shall submit separate large-amount transaction reports. Article 7 Financial institutions may not report large-amount transactions that meet one of the following conditions if no transaction or suspicious behavior is found:

(1) After the time deposit expires, no direct withdrawal or transfer shall be made. Instead, the principal or the principal plus all or part of the interest is renewed and deposited into another account under the same name opened at the same financial institution.

The principal of a demand deposit or the principal plus all or part of the interest is converted into a time deposit in another account under the same name opened at the same financial institution.

The principal of a time deposit or the principal plus all or part of the interest is converted into a current deposit in another account under the same name opened at the same financial institution.

(2) Conversion between different foreign currencies during the actual foreign exchange purchase and sale transactions of natural persons.

(3) One party to the transaction is party agencies, state power agencies, administrative agencies, judicial agencies, military agencies, People’s Political Consultative Conference agencies and the People’s Liberation Army and Armed Police Forces at all levels, but does not include various types of subordinate agencies Enterprises and institutions.

(4) Inter-bank lending by financial institutions and bond transactions in the inter-bank bond market.

(5) Gold transactions conducted by financial institutions on gold exchanges.

(6) Internal allocation of funds by financial institutions.

(7) Transactions under the loan on-lending business of international financial organizations and foreign governments.

(8) Debt swap transactions under loans from international financial organizations and foreign governments.

(9) Taxation, correction of wrong accounts, and interest payments handled by policy banks, commercial banks, rural cooperative banks, rural credit cooperatives, and village and town banks.

(10) Other circumstances determined by the People's Bank of China. Article 8 Financial institutions shall submit large-value transaction reports electronically within 5 working days from the date of occurrence of the large-value transaction. Article 9 If the following financial institutions conduct financial transactions with customers and transfer funds through bank accounts, the banking institutions shall submit large transaction reports in accordance with the provisions of these Measures:

(1) Securities companies, futures companies, funds management company.

(2) Insurance companies, insurance asset management companies, professional insurance agencies, and insurance brokerage companies.

(3) Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, automobile finance companies, consumer finance companies, currency brokerage companies, and loan companies.