The Shanghai Head Office of the People’s Bank of China (“PBC”); all branches and operations offices of the PBC; and central sub-branches of the PBC in all capital cities of provinces (autonomous regions) and all sub-provincial cities:
For the purposes of implementing the requirements of the Measures for the Administration of Financial Institutions’ Reporting of High-Value Transactions and Suspicious Transactions (issued by Order No. 3 [2016] of the People’s Bank of China) and the Notice by the People’s Bank of China of Relevant Requirements for Non-banking Payment Institutions to Report High-value Transactions (No. 163 [2018], PBC), and in consideration of the business characteristics of non-banking payment institutions, the Elements of Reports on High-Value Transactions of Non-banking Payment Institutions and the Interpretation Thereof are hereby issued for your compliance and implementation.
The branch offices of the PBC shall forward this Notice to the non-banking payment institutions whose head offices are registered within the jurisdictions and provide guidance for all non-banking payment institutions to make good preparations for data submission.
The People’s Bank of China
December 29, 2018
Annex
Elements of Reports on High-Value Transactions of Non-banking Payment Institutions and the Interpretation Thereof
No. |
Elements |
Interpretation Remarks |
|
1 |
Name of the reporting institution |
Name of the head office of the non-banking payment institution |
|
2 |
Code of the region where the reporting institution is located |
Administrative division code of the place where the head office of the non-banking payment institution is registered |
|
3 |
Code of the branch of the reporting institution |
Code of the branch of the non-banking payment institution where high-value transactions occur, and the code shall be filed with the China Anti-Money Laundering Monitoring and Analysis Center in advance. |
|
4 |
Name of the client |
Full name of the account (or card) holder, in Chinese or a foreign language. Full name indicated on the valid identity certificate or certification document held by the client when handling transactions, if the transactions are not handled through an account (or a card). |
|
5 |
Type of the client’s identity certificate (certification document) |
Type of the valid identity certificate or certification document recorded when the identification of the client is conducted in accordance with the relevant provisions of anti-money laundering laws and regulations of the state and rules of the People’s Bank of China. |
|
6 |
Number of the client’s identity certificate (certification document) |
Number of the valid identity certificate or certification document recorded when the identification of the client is conducted in accordance with the relevant provisions of anti-money laundering laws and regulations of the state and rules of the People’s Bank of China. |
|
7 |
Client number |
A transaction subject only has one number in the reporting institution. The client number is the business key that identifies the client’s uniqueness in the reporting institution. Even if there are different certificate types and certificate numbers, the same client number still identifies the same transaction subject. |
|
8 |
Type of the client’s profession (industry) |
The type of profession or main business recorded when the identification of the client is conducted in accordance with the relevant provisions of anti-money laundering laws and regulations of the state and rules of the People’s Bank of China. |
|
9 |
Client’s address and valid contact information |
Including contact number, permanent residence (mailing) address and other contact information, and different contact information is separated by “,”. |
|
10 |
Nationality of the client |
Nationality indicated on the valid identity certificate or certification document of the client or the country of place of registration. |
|
11 |
Name of the legal representative (corporate client) |
Full name of the legal representative indicated on the valid certificate of the corporate client. |
|
12 |
Number of the identity certificate of the legal representative (corporate client) |
Number of the valid certificate of the corporate client. |
|
13 |
Type of identity certificate of the legal representative (corporate client) |
The type of valid identity certificate or certification document recorded when the identification of the client is conducted in accordance with the relevant provisions of anti-money laundering laws and regulations of the state and rules of the People’s Bank of China, including: resident’s identity card or interim identity card, identity card for military personnel or armed police, Mainland travel permit for Hong Kong or Macao residents, Mainland travel permit for Taiwan residents or other valid travel certificates, passport of a foreign citizen, other types of valid personal identity certificate (if this option is selected, the reporting institution shall further explain the type of the personal certificate), organization code and institution code of any other type (if this option is selected, the reporting institution shall further explain the type of the certificate). |
|
14 |
Type of the client’s bank account |
Type of the bank account used in transactions. |
|
15 |
Number of the client’s bank account |
Number of the bank account used in transactions. |
|
16 |
Name of the bank opening the client’s bank account |
Full name of the bank opening the client’s bank account. |
|
17 |
Type of the client’s payment account |
Type of the payment account opened by the client at the non-banking payment institution, including: 1. Entity’s payment account 2. Individual’s payment account If it is a prepaid card business, the surrogate shall be entered in the account type. |
|
18 |
Number of the client’s payment account |
Number of the payment account opened by the client at the non-banking payment institution. |
|
19 |
Client’s account opening time |
Time of opening the payment account used in transactions. |
|
20 |
Name of the non-banking payment institution where the client is located |
Full name of the non-banking payment institution opening the payment account used by the client. |
|
21 |
Number of the bank account of the non-banking payment institution where the client is located |
Bank account opened by the non-banking payment institution where the client is located. |
|
22 |
Name of the bank opening the bank account of the non-banking payment institution where the client is located |
Full name of the bank opening the bank account of the non-banking payment institution where the client is located. |
|
23 |
Attribute code of high-value transactions |
Specific type of transactions |
|
24 |
Name of the agent |
Full name indicated on the valid identity certificate or certification document held by the agent when handling transactions on behalf of the client, in Chinese or a foreign language. |
|
25 |
Type of the agent’s identity certificate (certification document) |
The type of valid identity certificate or certification document recorded when the identification of the agent is conducted in accordance with the relevant provisions of anti-money laundering laws and regulations of the state and rules of the People’s Bank of China. |
|
26 |
Number of the agent’s identity certificate (certification document) |
Number of the certificate corresponding to the type of valid identity certificate (certification document) of the agent. |
|
27 |
Nationality of the agent |
Nationality indicated on the agent’s valid identity certificate or certification document or the country of the place of registration. |
|
28 |
IP address for the client’s transactions |
Corresponding IP address at the time of fund transfer. |
|
29 |
Trading time (accurate to “second”) |
Time when the transaction actually occurs. In the standard format of year, month, day, hour, minute and second. |
|
30 |
Place of transaction |
The place where the transaction occurs in the case of cash transaction. In the case of account transfer transaction, enter the place where the over-the-counter (OTC) transaction occurs if it is an OTC transaction; and enter the address where the order is sent if it is a non-OTC transaction. |
|
31 |
Monetary fund transfer method |
The content that shall be entered includes: I. Recharge the payment account 0000. Through the bank account 0001. Prepaid card recharged by online real-name payment account only II. Online payment business, enter the two parts, i.e. the specific business and the fund transfer method. Part I: 01. Internet payment 02. Mobile phone payment, landline phone payment, and data TV payment Part II: 00. Transfer from the payer’s bank account to the payee’s bank account 01. Transfer from the payer’s bank account to the payee’s payment account 02. Transfer from the payer’s payment account to the payee’s payment account 03. Transfer from the payer’s payment account to the payee’s bank account III. 0300. Settlement and withdrawal from the payment account IV. Prepaid card issuance business 0400. Cash purchase 0401. Purchase by bank transfer V. Prepaid card recharge business 0500. Recharge by cash 0501. Recharge through bank account VI. 0600. Prepaid card acceptance business VII. Prepaid card redemption business 0700. Cash redemption 0701. Redemption by bank transfer VIII. 0800. Bank card acquiring business |
|
32 |
Classification and code of foreign-related receipt and payment transactions |
Relevant codes for the declaration of foreign-related receipt and payment transactions prescribed by the State Administration of Foreign Exchange. |
|
33 |
Fund receipt and payment mark |
The direction of fund payment and receipt of the transaction (from the perspective of the client) is divided into two categories: receipts and payments. |
|
34 |
Use of funds |
Use of funds entered by the client when handling high-value transactions. |
|
35 |
Transaction currency |
Type of currency used in transactions. |
|
36 |
Transaction amount |
Transaction amount denominated in the transaction currency. |
|
37 |
Counterparty’s name |
Full name of the counterparty, in Chinese or a foreign language. |
|
38 |
Type of the counterparty’s identity certificate (certification document) |
Type of the counterparty’s valid identity certificate or certification document. |
|
39 |
Number of the counterparty’s identity certificate (certification document) |
Number of the counterparty’s valid identity certificate or certification document. |
|
40 |
Type of the counterparty’s bank account |
Type of the bank account used by the counterparty. |
|
41 |
Number of the counterparty’s bank account |
Number of the bank account (or card) used by the counterparty. |
|
42 |
Name of the bank opening the counterparty’s bank account |
Full name of the bank opening the counterparty’s bank account. |
|
43 |
Type of the counterparty’s payment account |
Type of the payment account opened by the counterparty at the non-banking payment institution, including: 1. Entity’s payment account 2. Individual’s payment account If it is a prepaid card business, the surrogate shall be entered in the account type. |
|
44 |
Counterparty’s payment account |
Number of payment account opened by the counterparty at the non-banking payment institution. |
|
45 |
Name of the non-banking payment institution where the counterparty is located |
Name of the non-banking payment institution where the counterparty opens the trading account. |
|
46 |
Bank account number of the non-banking payment institution where the counterparty is located |
Bank account opened by the non-banking payment institution where the counterparty is located. |
|
47 |
Name of the bank opening the bank account of the non-banking payment institution where the counterparty is located |
Full name of the bank opening the bank account of the non-banking payment institution where the counterparty is located. |
|
48 |
IP address for the counterparty’s transactions |
Corresponding IP address at the time of transfer of funds. |
|
49 |
Name of the traded commodity |
Name of the traded commodity or provided service. |
|
50 |
Non-OTC trading method |
The type of transaction conducted by the client through the non-OTC method. |
|
51 |
Device code for the non-OTC trading method |
The identification code of the device used by the client when conducting transactions through the non-OTC method. |
|
52 |
Code of business transaction between the bank and the non-banking payment institution |
A unique identification code for the same transaction between the bank and the non-banking payment institution. |
|
53 |
Code of business transaction between the non-banking payment institution and the merchant |
A code (order number) of which the rules are designated by the non-banking payment institution and returned to the merchant. |
|
54 |
Business identification code |
A unique business identification code used by the non-banking payment institution to identify a transaction. |
|
55 |
Remarks 1 to trading information |
Remarks field |
|
56 |
Remarks 2 to trading information |
Remarks field |
|
