(1) After the time deposit expires, it will not be withdrawn or transferred directly, but the principal or principal plus all or part of interest will be continuously deposited in another account under the same account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.
2. If financial institutions find or have reasonable reasons to suspect that customers, their funds or other assets, their transactions or attempted transactions are related to criminal activities such as money laundering and terrorist financing, they should submit suspicious transaction reports, regardless of the amount of funds involved or the value of assets.
3. 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) Anti-money laundering and anti-terrorist financing regulations and guidelines, risk warning, money laundering type analysis report and risk assessment report 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.
legal ground
Article 28 of the Anti-Money Laundering Law of People's Republic of China (PRC) * * * If the China Anti-Money Laundering Monitoring and Analysis Center finds that the contents and elements of the large transaction report or suspicious transaction report submitted by financial institutions are incomplete or wrong, it can send a notice of correction to the financial institution that submitted the report, and the financial institution shall make corrections within 5 working days from the date of receiving the notice of correction.