Article 11 Commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings 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.
(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.
(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.
(4) accounts that have been idle for a long time suddenly open accounts for unknown reasons, or accounts with small capital flows suddenly have abnormal capital inflows, and a large amount of funds are received and paid in a short time.
(5) Capital transactions with customers from drug trafficking, smuggling, terrorist activities, gambling areas or tax-avoidance offshore financial centers have increased significantly in a short period of time, or a large number of funds have been received and paid frequently.
(six) there is no normal reason to open an account or cancel an account, and a large amount of funds have been received and paid before the account is cancelled.
(7) owing on the loan in advance is obviously inconsistent with its financial situation.
(8) Most RMB funds purchased by customers for overseas investment are cash or transferred from different bank accounts.
(9) The customer asks for local and foreign currency swap business, and the source and use of funds are suspicious.
(10) Customers often deposit traveler's checks or foreign currency drafts drawn abroad, which is inconsistent with their business conditions.
(11) Foreign-invested enterprises invest foreign currency or transfer funds abroad in cash within a short period of time after receiving investment funds, which is inconsistent with their production and operation payment needs.
(12) The foreign capital contribution of a foreign-invested enterprise exceeds the approved amount, or the direct foreign debt borrowed by the foreign party is remitted from a third country with no affiliated enterprise.
(13) A securities institution instructs a bank to reserve funds unrelated to securities trading and liquidation, which is inconsistent with its actual operation.
(14) Securities institutions frequently borrow large amounts of foreign exchange funds through banks.
(fifteen) the insurance institution frequently pays a large amount of money to the same applicant through the bank or surrenders it.
(16) A natural person's bank account frequently receives and pays cash in suspicious circumstances, or deposits and withdraws a large amount of cash at one time in suspicious circumstances.
(17) After receiving foreign exchange remitted from abroad frequently, resident natural persons ask the bank to issue traveler's checks and drafts, or non-resident natural persons frequently deposit foreign currency cash and ask the bank to issue traveler's checks and drafts, and take them out or frequently order and cash a large number of traveler's checks and drafts.
(eighteen) a number of domestic residents receive remittances from one offshore account, and the transfer and settlement of funds are operated by one or several people.
Article 12 Securities companies, futures brokerage companies and fund management companies shall report the following transactions or behaviors as suspicious transactions:
(1) The customer's fund account frequently receives and pays cash close to the standard of large cash transactions for unknown reasons, which obviously circumvents the monitoring of large cash transactions.
(2) Customers with no transaction or small transaction volume request to transfer a large amount of funds to other people's accounts, and there is no obvious transaction purpose or use.
(3) The customer's securities account has been idle for a long time, but the fund account frequently receives and pays large sums of money.
(4) accounts that have been idle for a long time are suddenly opened for unknown reasons, and a large number of securities transactions occur in a short time.
(5) Having business dealings with countries and regions with high money laundering risks.
(6) buying and selling securities in a large amount in a short time after opening an account, and then quickly closing the position.
(seven) customers do not conduct futures trading for a long time or a small amount, but there are a lot of funds in their capital accounts.
(8) Customers who have not conducted futures trading for a long time suddenly conduct futures trading frequently in the short term for unknown reasons, and the amount of funds is huge.
(9) Customers frequently take the same futures contract as the target, open positions at one price, close positions at the same or roughly the same price, the same amount or almost the same amount, and then withdraw funds.
(10) The customer, as the seller of futures trading, fails to provide complete customs declaration documents and tax payment vouchers, or provides forged or altered customs declaration documents and tax payment vouchers.
(1 1) The client requested to transfer the fund shares in a non-trading way and could not provide legal documents.
(12) The customer frequently transfers the fund shares to custody without reasonable reasons.
(thirteen) the customer requests to change its information, but the relevant documents and materials provided are suspected of being forged or altered.
Article 13 An insurance company shall report the following transactions or behaviors as suspicious transactions:
(a) short-term decentralized insurance, centralized surrender or centralized insurance, decentralized surrender without reasonable explanation.
(two) frequent insurance, surrender, change the insurance or insurance amount.
(3) Pay abnormal attention to the insurance company's regulations on auditing, underwriting, claim settlement, compensation and surrender, but pay no attention to the guarantee function and investment income of insurance products.
(4) It is said that a large number of invoices are lost when surrendering during the hesitation period, or the total amount of invoices lost by the same policyholder for multiple surrenders in a short period of time reaches a large amount.
(5) It is found that the obtained information such as the names, titles, residences, contact information or financial status of the applicant, the insured and the beneficiary is untrue.
(six) the insurance products purchased are obviously inconsistent with the express demand, and they still insist on purchasing after being explained by financial institutions and their staff.
(seven) to buy large insurance policies that are inconsistent with their economic situation by wholesale.
(8) Refusing to insure a policy with a large premium during the hesitation period, surrendering the insurance within a short time after the insurance contract takes effect, or withdrawing the cash value, and requiring the surrender money to be transferred to a third-party account or a non-compensation account.
(9) Insist on surrender without paying attention to the major financial losses that may be caused by surrender, and cannot reasonably explain the reasons for surrender.
(10) obviously overpaying the insurance premium that should be paid in the current period, and immediately demanding the return of the overpaid part.
(eleven) insurance brokers pay premiums, but can not explain the source of funds.
(twelve) legal persons and other organizations insist on returning the premium in cash or by transfer, and can not reasonably explain the reasons.
(thirteen) legal persons and other organizations pay the first premium or wholesale premium from non-unit accounts or from overseas bank accounts.
(14) The insurance premium of a natural person is paid through a third person, but the relationship between the third person and the applicant, the insured and the beneficiary cannot be reasonably explained.
(15) Having business dealings with countries and regions with high risk of money laundering.
(16) The applicant insists on using cash to insure, compensate, pay insurance benefits, refund the cash value of insurance premiums and policies, and pay other funds in a large amount without reasonable reasons.
(17) When an insurance company pays compensation or insurance money, the customer requests to remit the funds to a third party other than the insured or beneficiary; Or the customer requests to remit the refunded insurance premium and the cash value of the policy to someone other than the insured.
Article 14 Except for the circumstances specified in Articles 11, 12 and 13 of these Measures, if financial institutions and their staff find other transactions abnormal in terms of amount, frequency, flow direction and nature, they shall submit suspicious transaction reports to China Anti-Money Laundering Monitoring and Analysis Center.
2022- 10- 13 answer.