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人行就反洗钱法修订草案公开徵求意见
阿思达克 06-01 17:52
人民银行今日(1日)发布通知,组织起草了《反洗钱法(修订草案公开徵求意见稿)》,明确特定非金融机构在从事特定业务时,应当参照金融机构的相关要求履行反洗钱义务。金融机构、特定非金融机构以外的单位和个人应当配合客户尽职调查和反洗钱调查、依法履行巨额现金收付申报等反洗钱要求;增加反洗钱特别预防措施要求。

徵求意见稿强调风险为本的反洗钱监管。明确洗钱风险评估职责;强调须履行反洗钱义务的特定非金融机构应当依据行业洗钱风险状况采取相应的反洗钱措施;强调义务机构风险为本反洗钱要求;要求金融机构基於洗钱风险状况建立风险管理措施,基於风险开展客户尽职调查并采取相应措施。

同时,完善反洗钱调查相关规定。扩大调查主体和范围,将反洗钱调查主体扩展至国务院反洗钱行政主管部门设区的市一级派出机构,将特定非金融机构等纳入调查范围。

徵求意见稿还调整了法律责任中关於违法行为的罚款幅度,提高违法责任与处罚的匹配程度;将「未按照规定建立健全内控制度和风险管理政策」和「未按照规定执行反洗钱特别预防措施」等违法行为纳入处罚范围;完善反洗钱处罚类型,增加警告处罚;增加对其他单位和个人违法行为的法律责任。

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