August August Money Laundering Observation+Information Inventory: 12 banks were fined 18.3 million yuan for 8 responsible persons for anti -money laundering.

Southern Finance All Media Reporter Xu Qianyi Beijing reported

Anti -money laundering strict supervision continued. The fines of this month showed that the double penalty rate of anti -money laundering violations has reached 100%. In terms of policies, the promotion of revised and anti -money laundering law has "put on the agenda".

According to corporate warning data, in August, regulators issued a total of 40 anti -money laundering tickets (including institutions and individuals). According to statistics, a total of 12 banks and 1 payment company were punished. A total of 27 relevant responsible persons were punished. Among them, a total of 8 responsible persons in Hangzhou Branch of CITIC Bank were punished for anti -money laundering violations.

In terms of fines, 12 banks and individuals were punished for a total of 18.3 million yuan for anti -money laundering violations. Among them, the Bank of Taizhou was fined 4.507 million yuan.

In terms of violations, "customer identity recognition", "suspicious transaction reporting", and "transaction with customers who are unknown" are still punishing the disaster -stricken areas, and most of the fines are "customer identification".

People insiders in the banking industry show that the difficulty of customer identification is due to multiple reasons such as personal information protection, and banks generally lack effective identification methods, and lack support for the judgment of customers' capital transactions and professional identities. From the perspective of business level, the institutional operating business volume and the failure of the business personnel will not be able to identify the customer identity in a timely manner.

In terms of double penalty system, this month's anti -money laundering ticket shows that the dual penalty rate has reached 100%. The "dual penalty system" is punished at the same time of financial institutions and relevant responsible persons.

Earlier reports showed that the central bank's Shanghai headquarters said that the proportion of anti -money laundering double penalties in Shanghai in 2021 reached more than 70%.

According to reports, in the first half of this year, the dual penalty rate of anti -money laundering in the country was 95%.

The increase in the proportion of dual penalties has released a stronger regulatory signal, and all financial institutions also need to strengthen the pace of anti -money laundering compliance to adapt to stricter regulatory situation.

From the perspective of relevant laws and regulations, the relevant units involved in the "dual penalty system" include direct responsible directors, senior managers, direct responsible supervisors, and other direct responsible persons.

However, in the anti -money -laundering penalty, who should be punished as a direct responsible person in charge and directly responsible persons, and the current legal identification of direct responsibility still lacks a clear standard.

In addition, the Nancai Law Research Institute also took stock of domestic anti -money laundering punishment and regulatory dynamic information in August:

1. Supervision and punishment

(1) Bank

1. The Agricultural Bank of China Gansu Branch, Xiamen Bank

The punishment information shows that the Agricultural Bank of China Gansu Branch was regulated and fined 1.3615 million yuan for failing to carry out customer identity in accordance with regulations. Three responsible persons were fined 2.31, 3.31, and 13,200 yuan, respectively.

The Agricultural Bank of China Xiamen Bank was fined 1.965 million yuan for violating the anti -money laundering law, and the two responsible persons were fined 60,000 yuan and 10,000 yuan, respectively.

2. Fujian Zhangping Farmers Commercial Bank

The punishment information shows that the bank was fined 1.179 million yuan for violating the management regulations of anti -money laundering business. The deputy president and the manager of the risk compliance department were fined 45,000 yuan, respectively.

3. Yongdeng County Rural Credit Cooperation Cooperative

The punishment information shows that the Credit Cooperative Union has "failure to perform the obligation of customer identity in accordance with regulations" and was fined 585,100 yuan. The director and deputy director of the agency were fined 10,000 yuan.

4. CITIC Bank Hangzhou Branch

The punishment information shows that Hangzhou Branch of CITIC Bank Co., Ltd. was fined 3.3 million yuan for failing to fulfill the obligation of customer identity in accordance with regulations. The eight responsible persons of the bank were fined for less than 1-80,000 yuan.

4. Taizhou Bank

The punishment information shows that the Bank of Taizhou has fined 4.507 million yuan for failing to fulfill its customer identification obligations in accordance with regulations. Six responsible persons were imposed on fines of 1-70,000 yuan.

5. Xinjiang Aksu Rural Commercial Bank

The punishment information shows that the bank was fined RMB 1.6 million for violating anti -money laundering regulations. Three responsible persons including the bank were fined 50,000 yuan, 10,000 yuan, and 10,000 yuan, respectively.

6. ICBC Hangzhou Branch

The punishment information shows that the bank was fined 2.42 million for failing to fulfill the obligation of customer identity in accordance with regulations. The bank's customer service manager was fined 10,000 yuan.

7. Hubei Lishui Rural Commercial Bank

The punishment information shows that Hubei Lishui Rural Commercial Bank Co., Ltd. was fined RMB 200,000 for failure to fulfill its customer identification obligations in accordance with regulations. The bank's vice president was fined 10,000 yuan.

8. Heilongjiang Sun Wu Rural Commercial Bank, Heilongjiang Wu Dalianchi Rural Commercial Bank, Heilongjiang Huinan Nong Commercial Bank

The punishment information shows that Heilongjiang Sun Wu Rural Commercial Bank failed to preserve the customer identity in accordance with regulations and was fined 210,000 yuan. The bank's risk officer was fined 11,500 yuan.

Heilongjiang Wu Dalianchi Rural Commercial Bank was fined 258,000 yuan for failing to preserve customer identity information and transaction records in accordance with regulations. The general manager of the bank's risk management department was fined 14,500 yuan.

Heilongjiang Huinan Nong Commercial Bank failed to fulfill its customer identification obligations in accordance with regulations and was fined 200,000 yuan. The bank manager of the bank's risk compliance department was fined 10,000 yuan.

(2) Payment company

9. Yunnan Tuition Payment Management Company

The punishment information shows that the company failed to perform the obligation of customer identity in accordance with regulations and was fined 545,000 yuan. The vice president of the company was fined 27,000 yuan.

2. Regulatory dynamics

1. Revised and anti -money laundering method is listed as preparing for review projects this year

The anti -money laundering law has been included in the 2022 Standing Committee of the National People's Congress to prepare for review projects. According to the plan, the investigation and drafting work will be carried out in accordance with the plan. During the Five Meetings of the National People's Congress of the Thirteenth National People's Congress this year, some representatives proposed a motion on improving the amendment of the Anti -Money Laundering Law, and suggested that the draft amendment is further improved in combination with the actual situation of domestic anti -money laundering work.

2. Sign signed anti -money laundering and anti -terrorist financing and financial information exchanges cooperation memorandum

The China Anti -Money Laundering Monitoring and Analysis Center and the Senegal National Financial Intelligence and Treatment Center completed the signing of the "Memorandum on Anti -Money Laundering and Anti -Terrorism Financial Intelligence Exchange and Cooperation."

According to the memorandum of understanding, the two parties will cooperate based on the principle of reciprocity in the collection, judgment and mutual investigation of suspected money laundering, terrorist financing and other related crimes.

3. The Changchun Center Sub -branch of the People's Bank of China and the Jilin Securities Regulatory Bureau established an anti -money laundering supervision and cooperation mechanism

On July 27, the Changchun Center Sub -branch of the People's Bank of China and the Jilin Securities Regulatory Bureau jointly issued the "Jilin Provincial Securities and Futures Industry Anti -Money Laundering and Anti -Territory Financing Supervision Cooperation Mechanism" (hereinafter referred to as the "Cooperation Mechanism").

The "Cooperation Mechanism" proposes that the two parties should establish a mechanism for the money laundering work conference to report to the Securities Futures Industry Association and the Securities and Futures Institutional Institution and other reports of anti -money laundering work. , Strengthen regulatory collaboration.

4. The eleven departments of Jilin Province jointly issued the "Three-year Action of Jilin Province Campaign to Governance of Money Lake and of illegal Crime (2022-2024) Implementation Plan"

The People's Bank of China Changchun Center Sub -branch led and issued the "Three -year Action of Jilin Province's Three -Year Action (2022-2024) Implementation Plan". The leading group of illegal criminals will refine the work measures to refine the work measures from 5 aspects and 15 specific measures.

5. Chairman of the Central Bank's Anti -Money Laundering Bureau Chao Kejian: Continue to increase the crackdown on money laundering crimes

Recently, Chao Kejian, director of the Anti -Money Laundering Bureau of the People's Bank of China, wrote in "China Finance" that he would continue to increase the crackdown on money laundering crimes. In accordance with the "Three -year Action Plan for the Troubleshooting Money Laundering Crime Crime (2022-2024)", strengthen organizational leadership, compact work responsibilities, promote the introduction of relevant judicial interpretations of criminal laundering criminal cases, implement the "double investigation" of upstream crimes and money laundering crimes " Work mechanisms, strengthen intelligence clues and cases, strengthen the analysis of money laundering and anti -money laundering surveys, and enhance the ability to prevent and control the risk of money laundering of anti -money laundering obligations.

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