洗钱，这一陌生而又熟悉的字眼，曾经伴随着“汇丰银行本票”等字样现身于影视作品中。如今，这一行为已经开始越来越多地发生在现实世界里。

Money laundering，This strange and familiar with words，Once with“HSBC bank note”And other words appeared on film and television works。now，This behavior has increasingly happen in the real world。

　　日前，汇丰银行因洗钱等非法交易受到美国参议院的调查指控。据参议院公布的调查报告显示，汇丰涉及洗钱的非法交易高达2.5万笔，金额约160亿美元。

a，HSBC bank for money laundering illegal trade by the United States senate investigation accused。According to the senate report released，HSBC involved in money laundering of illegal trading as high as 25000 pen，Amount to about $16 billion。

　　面对与日俱增的洗钱风险，中国人民银行于7月24日召开2012年上半年全国反洗钱形势通报会，表示当前国内外洗钱活动手法不断演化，给我国金融系统的洗钱风险防范工作带来了新的挑战，提升反洗钱工作有效性的任务艰巨。

Face growing money laundering risk，The people's bank of China on July 24 held in the first half of 2012 the national money laundering TongBaoHui situation，Said the current domestic and foreign money laundering activities technique an evolution，China's financial system to money-laundering risk prevention work has brought new challenges，Ascension anti-money laundering work effectiveness of a difficult task。

　　那么，究竟目前洗钱行为已经“进化”出了哪些方式，让监管部门一再强调却又防不胜防？记者调查发现，通过金融机构洗钱仅仅是当下“洗钱魔术”中常用的手法之一，还有更多的“洗钱魔术”手法隐秘，难以被察觉。

so，What at present behavior has money laundering“evolution”What are some of the ways，Let supervision department stressed that the but again be guarded against？A survey revealed that，Through the financial institutions money laundering is only the present“Money laundering magic”In one of the commonly used gimmick，There are more“Money laundering magic”Gimmick secret，May be difficult to find。

　　蚂蚁搬家式的公司洗钱 The ant move type company money laundering

　　“广东等地有人专门接"公转私"的洗钱业务。他们收到钱后，就用公司账户多次转账，然后把钱转到客户指定的账户。而我们就负责在外地开户，帮助他们进行转账。”一位曾在几年前接触过洗钱业务的个体公司业主对法治周末记者透露。

“Guangdong meet someone special"Revolution private"Money-laundering business。After they have received the money，With the company account transfer many times，Then turn money to the account designated by the customer。And we is responsible for opening an account in the field，Help them to transfer。”A few years ago was in contact with money laundering the owner of individual business company law reporter revealed that weekend。

　　事实上，这种类似“蚂蚁搬家”的公司洗钱方式十分简单。首先业主需要成立多家空壳公司作为备用账户。其普遍做法是通过报纸等信息平台找到代办公司，以每个公司1万元左右的价格，通过亲戚、朋友以及买来的身份证注册成立多家公司或经营部，并开设公司账户。而这些公司实际上是无经营活动、无从业人员、无经营场所的“三无”公司。

In fact，This kind of similar“The ant move”The company is very simple way of money laundering。First the client needs several shell corporation was established as a backup account。The common practice is through the newspaper to find the information such as the platform for the company，To every company 10000 yuan of right-and-left prices，Through the relatives、Friends and it was registered id card companies or enterprise，And open company account。And these companies actually is no business activities、No employees、No place of business“3 without the”The company。

　　之后，当业主的“上家”，也就是在广东接收“公转私”业务的变现公司(俗称“地下钱庄”)接到需要转款的业务时，通过短信、聊天软件或者手机直接跟业主联系合作。但过程中变现公司从不透露巨额资金的性质和来源，业主也识相地从不过问。

after，When the owner of the“last”，It is in guangdong to receive“Revolution private”The business of the company converted(Commonly known as“underground”)To turn paragraph need of business，Through the text messages、Chat software or mobile phone directly with links between the owner。But the process which the company never revealed a huge amount of money of the nature and source，Where the owner to never intervene。

　　“只知道大多数钱是公司账户或支票上的钱，不能直接支取变现，需要通过我们将这些资金先分散转入手中的公司账户和个人账户，然后再通过业务支出的方式将资金转入客户指定的个人账户。”上述业主如此描述当时的业务流程。

“Only know that most of the money is company account or check money，Can't direct cash withdrawals，We will need through these funds scattered into the hands of the first company account and individual account，And then the way through business spending will transfer funds to customer designated individual account。”The owner was such a description of the business process。

　　而想要从事上述业主所描述的洗钱业务，只需要一部电脑，几个工作人员即可。门槛之低令人咋舌。该业主告诉记者，电脑主要用来进行网银转账，而工作人员则只要负责管理数十个公司账户即可。这或许正是“蚂蚁搬家”式的公司洗钱屡禁不止的原因之一。

And want to conduct the owner description of the money laundering business，Only need a computer，Several staff can。The low threshold whose startling originality。The owner told reporters，Mainly used for computer net silver-colored account transfer，And work is responsible for the management of the personnel as long as dozens of company account can。Perhaps this is“The ant move”The company money laundering of long-standing one of the reasons。

　　但门槛低并不代表收益也同样低。记者了解到，这种简单的公转私业务，收取的手续费通常达到万分之三左右。这看似不高的收费比率，却曾为这位业主的团队在短短3个月内带来近30万元的收益。也就是说，涉及转账金额接近10亿元。

But low threshold doesn't mean income also lower。The reporter understands，This simple the revolution of the private business，Collection poundage usually around to three over ten thousand。This appears not to be high fee rate，But for the owner's team was in just three months brought nearly 300000 yuan benefits。That is，Involving transfer amount to nearly $1 billion。

　　“虽然看起来是无本经营、一本万利，但涉及金额实在太大，害怕引火烧身，最终我还是早早离开了这一行。直到后来才知道有可能涉及洗钱行为，想想都后怕。只是，我虽然脱了身，却还有更多像我一样的人至今仍在"公转私"的业务里乐此不疲。”该业主回忆道。

“Although it is without the operation、To the bottom line，But the amount involved is too large，Afraid get burned，Finally I just left the early line。Until they know that may involve money laundering behavior，Agree.it might think about all。just，Although I took off the body，But there are more people like me are still on"Revolution private"In the business itself。”The owner recalls。

　　中国政法大学金融法研究中心主任刘少军对法治周末记者表示，由于国家目前已经建立了严格的现金交易报告制度，对于超过限额的现金交易，银行必须向反洗钱情报部门报告，所以洗钱分子往往将大额现金通过虚假贸易的手法分散转入个人账户，以逃避监管。而此类组织普遍采取地下经营形式，在经济发达地区分布广泛，其人员大多又为家族内部成员，行为具有一定的隐蔽性，因此很难彻底根除。央行只能加大监督力度，警惕可疑账户，从源头上打击非法洗钱行为。

China university of politics and law research center director of finance LiuShaoJun law weekend reporters，Because China has established a strict cash transactions reporting system，To exceed limit cash transactions，The bank must to anti-money laundering intelligence report，So money laundering molecules tend to large cash by the false trade gimmick to individual account scattered，To avoid regulatory。And the organization common underground managing form，In the economic developed area wide distribution，Its staff and family members for most inside，Behavior has certain concealment，So it is difficult to completely eradicated。The central bank can only increase the surveillance dynamics，Alert suspicious account，From the source to crack down on illegal money laundering behavior。

　　艺术品洗钱暴露监管空白 Art money laundering exposure regulatory blank

　　与上述“街头卖艺”一般的公司洗钱截然不同的是，艺术品洗钱已经成了“洗钱魔术”中的“公开表演”。

And the“Street performers”Average company money laundering is completely different，Art has become a money laundering“Money laundering magic”of“Public performance”。

　　近年来，艺术品市场持续火爆。这一方面得益于艺术品的价值越来越得到市场认可；但另一方面，大量热钱的涌入，神秘资金的背后运作，也让艺术品市场沾上了洗钱的污点。当代艺术家江因风就曾公开表示：“天价艺术品在国内已成为洗钱、贪污、融资和变相集资的最好方式之一。”

In recent years，The art market lasts hot。On the one hand, benefited from the art value more receive market acceptance；But on the other hand，A lot to the flow of hot money，Mystery funds behind the operation，Also let the art market touched the stain of money laundering。Contemporary artists jiang for the wind had said publicly：“Day price art in domestic has become a money laundering、corruption、Financing and in disguised form one of the best ways to raise money。”

　　从事拍卖业务多年的艺廊经理张雄向法治周末记者透露，自己之前就职过的拍卖行就曾不得已被拖入艺术品洗钱的“泥潭”中。

Engaged in the auction business for years gallery manager to rule by law ZhangXiong weekend reporter revealed，Before his inauguration of the auction house has had to be drawn into art of money laundering“mire”in。

　　张雄告诉记者，这几年艺术品价格持续上涨，让很多非法组织盯上了这块“洗钱福地”。当地一家靠收取赌博业和娱乐业保护费的“安保公司”就曾要求与拍卖行合作，称其收藏有宋代珍禽图一幅，意欲拍卖。而拍卖行虽然明知其中可能存在猫儿腻，却仍按“安保公司”授意组织了隆重的拍卖会。最终在拍卖会上，该画被一位李姓商人以1650万元的高价购得。事后才得知，该李姓商人正是“安保公司”老板的亲属之一，而这家“安保公司”通过收取当地保护费所得的近1800万元非法资金则通过此次拍卖艺术品，一举完成了“黑钱漂白”的过程，之后可以堂而皇之地进行其他产业的投资。其中，拍卖行无疑成了洗钱的帮凶，这才使得自己萌生退意，转投艺廊。

ZhangXiong told reporters，This years art prices continued to rise，Let a lot of illegal organization pursuing this“Lucky money laundering”。A local by gambling and entertainment industry for protection money“Security company”Had requirements and the auction house cooperation，A rare collection called the song dynasty figure a picture，Intended to auction。But the auction house although knowing which may exist MaoErNi，But still press“Security company”The grand of auction incite organization。Finally at an auction，Which was a businessman to give for the high price 16.5 million yuan。Later that，The businessman is asked“Security company”The boss of one of relatives，And the“Security company”Through the collection of local protection fee income nearly 18 million yuan illegal money through this auction is art，Every completed“Laundered bleaching”process，You can then openly in other industrial investment。Among them，No doubt the auction house became a money laundering money，This just makes their TuiYi initiation，Move into the gallery。

　　这种通过艺术品拍卖大笔洗钱的行为在艺术圈并不少见。一位雅昌艺术网负责人告诉记者，在艺术品拍卖中，相当一部分的天价交易并非买卖双方都可获益，而是为与之没有任何关系的关联方洗钱。通常是通过卖家提前一两年大量吃进某位艺术家的作品，把非法资金变成艺术品，然后由洗钱组织安排“托儿”联手为该艺术家炒作出一波上涨行情，接下来卖家就可以随时在拍卖场或画廊出售该艺术家的作品，以达到洗钱的目的。

This through the artwork to auction the large sum of money laundering behaviour in the art world is not rare。An association of art network told reporters，In art auction，Quite a number of world trade is not both buyers and sellers can benefit，But for that don't have anything with the affiliated party money laundering。Usually by the seller for one or two years in advance of eat into a artist's work，The illegal money into works of art，Then the money laundering organization arrangement“childcare”The artist hype joined a wave rising prices，The seller can at any time or gallery at the auction to sell the artist's work，In order to achieve the purpose of money laundering。

　　据国际货币基金组织估算，每年洗钱资金约占世界经济总量的2%至5%。照此推算，仅2011年我国洗钱规模大约就达到1至2.5万亿元。其中，艺术品由于自身特殊的市场定位，无疑成了洗钱的重要途径之一。

According to the international monetary fund estimates，Each year about of the world economy money laundering money of the total amount of 2% to 5%。Calculated according to the，Only in 2011, money laundering, up to 1 about the scale to 2.5 trillion yuan。Among them，Because of its own special art of market orientation，Undoubtedly become one of the important ways to money laundering。

　　上述负责人表示，在国内，艺术品的价值认定没有权威机构也没有估价标准，价格完全在于买家愿意出多少钱，因此容易操纵，可以轻易炒上天价。这一特点十分适合洗钱的需求。《砥柱铭》刚拍完，买家王耀辉控制的公司就以此作抵押品，募得了4.5亿元的信托资金。而“金缕玉衣”曾被史树青、杨伯达等5位顶级专家评估为24亿元，若不是买家因为诈骗被调查，谁能推翻估价？

The chief said，In the domestic，The value of art that no authority also does not have the appraisal standards，The price is all about buyers willing to pay much money，So easy to manipulate，Can easily fry on day price。This feature is very suitable for money laundering requirements。《Breadwinners inscription》Just finished making，Buyers WangYaoHui control company by collateral，Offering 450 million yuan of trust funds have。and“JinLvYuYi”Has been ShiShuQing、YangBoDa five top experts assessment for 2.4 billion yuan，If the buyer is not because of fraud by survey，Who can override valuations？

　　对此，中国艺术家协会副秘书长傅建生对法治周末记者表示，虽然艺术品的拍卖是公开的，却免不了存在一些炒作现象。但由于国内拍卖法规定，拍卖公司有权利对买卖双方的真实资料保密，使得天价艺术品的交易双方身份都不透明。而反洗钱法也主要是监控金融机构的大额交易和可疑交易，不涉及对可疑的天价艺术品交易进行调查，因此给艺术品洗钱留下了监管的空白地带。

this，China artist association deputy secretary-general of the rule FuJianSheng weekend reporters，Although the artwork auction is open，But there are some unavoidable hype phenomenon。But because the merger domestic regulations，Auction company has a right to buyers and sellers of the true information confidential，Make the trade both parties identity day price art is not transparent。But the money laundering law also mainly is the monitoring of financial institutions in the big trade and suspicious transactions，Don't involve of dubious day price art trading in the investigation，So give art money laundering the gaps left supervision。

　　网络赌博洗钱简单似换手 Internet gambling money laundering simple like changing hands

　　相比前两种洗钱手法，网络赌博洗钱更像是魔术中的“隔空取物”：魔术师将左手道具抛开的同时，右手中早已藏好了一模一样的替身道具，只需左右换手就能掩人耳目地“隔空”将道具“抓”回来。而网络赌博亦是如此。

Compared with the former two money laundering gimmick，Internet gambling money laundering more like the magic“telekinesis”：The magician will put aside and left hand props，Right hand had hidden the same avatars props，Simply changing hands around to camouflage“telekinesis”Will prop“catch”back。And Internet gambling is also like this。

　　以赌球为例，网友“孤注一生”透露，自己曾在多个网络赌场中试过手，但在一场主场球队赔率接近1：1的德甲比赛之前，他却意外地发现在两个不同的网络赌场中，同时出现了相同注额的大笔赌球筹码，而且两者选择的是截然不同的两种结果。之后他开始分别关注这两个下注账户，发现只要是有赔率接近1：1的比赛，这两个账户基本都会同时同额下注，且注额巨大，下注结果一正一反，很明显是通过赌球洗钱的行为。

To wager ball, for example，the“Solitary note life”revealed，He had on more than one network pilot casino lineup，But in a home team odds close to one：1 the bundesliga game，But he had found in two different network in the casino，At the same time appear the same note of the amount of large wager ball of chips，And both the choice is two kinds of disparate results。After he began to focus on the two respectively on account，As long as the odds are found close to 1：1 game，The two basic account will be at the same time and same bet on the forehead，And note the forehead huge，The result is a bet against，Obviously is through the wager ball money laundering behavior。

　　北京市律师协会信息网络法律专业委员会主任李德成对法治周末记者表示，洗钱分子用非法所得在赌博网站上匿名开立账户进行赌博，的确可以达到将“黑钱”与“白钱”混淆的目的。比如洗钱分子欲将100万元“黑钱”合法化，只需要分别在两个网络赌场中押同一场比赛的两个球队，各押100万元。如果赔率接近1：1，那么无论结果如何，洗钱分子都会在一方输掉100万元，而在另一方收回200万元，这样100万元的“黑钱”就披上了合法的外衣。

Beijing lawyer association, director of the legal professional committee of information network in li law weekend reporters，Money laundering molecules in gambling sites with illegal income on open an account anonymous gambling，Can really reach will be“laundered”and“White money”Confusion of purpose。Such as money laundering molecules to 1 million yuan“laundered”legalized，Only need respectively in two network in the same game casino and the two teams，Each and 1 million yuan。If the odds close to one：1，So whatever the outcome，Money laundering molecules in a party would lose 1 million yuan，And in the other party withdraw 2 million yuan，So 1 million yuan“laundered”Just put on the cloak of legal。

　　除此之外，通过在赌博网站开设账户，然后将非法来源的资金汇入这个账户，将此作为“黑钱”的临时隐蔽所，也是洗钱分子的常用做法。许多赌博网站对客户汇款来源的管理非常松散，一旦时机成熟，洗钱分子便向赌博网站提出取消账户，并要求赌博网站以支票或银行汇票方式将账户上的余款退还给他们，这样便完成了将“黑钱”洗白的过程。其中不排除一些赌博网站与洗钱分子串通，甚至专为洗钱而设立。

In addition，Through open accounts in gambling sites，Then will the illegal sources of funds into the account，Will this as“laundered”Temporary YinBiSuo，Is money laundering of molecular methods。Many gambling web site to the management of the remittance source very loose，Once the time is ripe，Money laundering molecules to gambling sites will cancel the account put forward，And ask the gambling sites to check or bank draft way on account of the balance back to them，This will then complete“laundered”Wash white process。Among them not rule out some gambling sites and money laundering molecules in collusion，Even designed for money laundering and set up。

　　“真实洗钱不可能达到一比一的比率。”“孤注一生”告诉记者，“实际上，通过网络赌博的洗钱成本并不低，往往这种"左右倒手"的洗钱手法就需要一至两成的赌博佣金。再加上从账户提现所需的手续费昂贵，一般洗钱比例能超过70%就算是优质洗钱了。”

“The real money laundering is impossible to compare one ratio。”“Solitary note life”Told reporters，“In fact，Through the Internet gambling is not low cost of money laundering，Often this"DaoShou around"The money laundering technique needs one to twenty percent of the gambling commission。Plus the poundage from account or expensive，General money laundering ratio will be more than 70% even high quality money laundering。”

　　而且从网络赌博中转移赌资并非易事，通常都需要通过第三方才能完成转移。

And from Internet gambling in the casino transfer is not easy，Usually need through the third party to complete transfer。

　　其中，开放型网络赌博转移赌资最普遍的方式是通过网上银行。为逃避监测和打击，洗钱分子大量使用他人或假身份证开设银行账户并开通网上银行功能。参赌人员先将投注资金通过网上银行打入洗钱分子指定账户；通过网站在线查询资金到账后，洗钱分子再通过手机短信将赌博网址、账号、初始密码发给参赌人员，由其登录网站下注；赌博后，洗钱分子根据输赢结果，通过网上银行进行资金扣划和汇转。

Among them，Open Internet gambling casino transfer the most common way is by the bank on the net。To escape from monitoring and blow，The use of others or money laundering molecules fake id open bank accounts and open the bank on the net function。First the sort of personnel funds through the bank on the net betting money laundering molecules into account appointed by；Through the website online inquires to zhang funds，Money laundering molecules again through mobile phone short message will gambling website、account、The initial password to sort of personnel，By its web site on the bet on；After gambling，According to the results, win or lose money laundering molecules，Through the fund of the bank on the net KouHua and collect the turn。

　　而境内一些赌博网站则更多是通过地下钱庄进行赌资转移。由于境内一些赌博网站只是境外赌博网站的代理，因此需与境外同伙交割赌资。一般先由洗钱分子将人民币打入地下钱庄指定的境内账户，再由地下钱庄的境外代理人向境外洗钱分子的同伴支付等值外币，从而完成赌资的跨境转移。

And some domestic gambling website is more is through the underground estimable for transfer。Because some gambling sites outside the territory is gambling website agent，Therefore need and the foreign partner delivery casino。General first by the money laundering the molecules will RMB into the underground Banks designated domestic account，Again by the underground overseas agent to overseas money laundering molecules pay foreign currency equivalent companion，Thus finish the estimable cross-border transfer。

　　以全民意识对抗洗钱行为 In the fight against money laundering consciousness behavior

　　面对“洗钱魔术”的变幻无常，监管部门往往显得无奈。因此，行业自律就成了抑制洗钱行为滋生的关键。

face“Money laundering magic”Are fickle，Regulators often appear helpless。so，Self-discipline is the key to growth inhibition money laundering behavior。

　　对此，江因风认为，针对艺术品市场中存在的洗钱行为，当务之急是引入反洗钱的种种措施进行监管。我国2006年出台的反洗钱法规定，100万元以上的转汇和20万元以上的现金存付都要作为大额交易备案。艺术品市场可以拿来借鉴。事实上，欧盟的《反洗钱法案》早已经将监管范围延伸到画廊，对超过1.5万欧元的艺术品交易进行备案。这种方式国内是否也可以效仿。对于大额的艺术品交易，主管部门应该对买家和卖家的信息进行备案，但不必公开，以保护个人隐私。

this，River for the wind that，According to existing in the art market of money laundering behavior，Top priority is the introduction of anti-money-laundering measures of supervision。Introduced in China in 2006, the anti-money laundering law，1 million yuan of above 200000 yuan of above moved and cash deposit to pay as a big trade record。The art market can be used for reference。In fact，The eu's《Anti-money-laundering legislation》Have regulatory scope extended to the gallery，Of more than 15000 euros of art record transactions。This way whether can also follow the domestic。For large art deal，The competent departments of buyers and sellers should be the information for the record，But don't have to open，In order to protect personal privacy。

　　傅建生则表示，加强行业自律，净化拍卖行业的不正之风，才是规范艺术品市场的关键。只有加强行业协会在市场中的重要监管和引导作用，建立行业自身的规则规范，才可以在一定程度上对市场中的那些灰色地带形成约束，逐步形成优胜劣汰的市场机制。

FuJianSheng said it，Strengthen the self-discipline，Purification of auction industry rampant，Is the key to regulating the art market。Only strengthen the industry association in the important regulatory and market guidance，Establish industry's own rules regulating，Can to a certain extent to those in the market grey area form constraint，Gradually form of the survival of the fittest market mechanism。

　　而面对更为虚拟的网络赌博洗钱行为，李德成有自己的看法：“由于网络赌博具有很强的隐蔽性，不仅押注是通过网络完成的，赌注的流通同样也是通过网络完成的。一些赌博网站为了安全起见，网站都架设在国外服务器上，而且会经常更换服务器的IP地址和域名，然后经过专门的联系人向玩家提供新的网址，给监管部门调查与取证都增加了困难。虽然刑法上我国对境外赌博集团吸引内地居民参赌的行为具有刑事管辖权，但客观上却因程序繁琐等原因很难进行惩处。因此，目前破获的许多网络赌博案件，常常是"抓了虾米，放了大鱼"，法律威慑力有待提升。对此，监管部门应通过监管赌博资金的来源和去向，提高惩处网络赌博的效率，打击借赌博洗钱的行为。同时，网络运营商也应该承担起更多的责任，共同维护网络秩序。”

But face more virtual network gambling money laundering behavior，LiDeCheng have their own opinions：“Due to Internet gambling has a very strong characteristic of concealment，Not only bet is done through the network，The circulation is also bet through the network of finish。Some gambling web site, in order to be on the safe side，Web sites set up in foreign server，And will replace frequently server's IP address and domain name，And then after special contact to provide new url players，Give regulators investigation and evidence collection increased all difficulties。Although the criminal law of our country foreign gambling group attract mainland residents of the sort of behavior has a criminal jurisdiction，But however because of program trival objectively and reason is difficult to punish。so，At present many online gambling uncovered case，Is often"Caught shrimp，Put big fish"，Legal threat to ascend。this，Regulators should through the supervision gambling the origin of capital and going，Improve the efficiency of the above Internet gambling，Blow the behavior of the money laundering by gambling。At the same time，Network operators should also take greater responsibility，To support the network order。”

　　但不管是哪种洗钱手法，其根本还是在将犯罪收益投入到“清洗”系统中，通过多种、多层的复杂交易，将非法收益与其来源分开，并进行最大限度的分散，以掩饰线索和隐藏身份。然后将已经成功洗过的、无法追查的资金以不引人注目的方式重新注入到经济体系中。这一过程往往伴随着跨国界的、披着合法交易外衣的消费、投资和贷款行为。

But no matter what kind of money laundering gimmick，Its basic or in crime earnings will into“cleaning”system，Through a variety of、Layers of complex transactions，Illegal income and its source will separate，And the maximum scattered，To hide clues and hidden identity。Then will have been successful washed、Impossible to follow the money to not spectacular way back into in the economic system。The process often follows across national borders、With a legal transaction coat of consumer spending、Investment and loan behavior。

　　对此，中国反洗钱研究中心秘书长严立新对法治周末记者建议，应建立反洗钱的激励机制，最大限度地激发相关机构与民众共同的反洗钱积极性，变“不得不反洗钱”为“我愿反洗钱”，以全民反洗钱的意识对抗洗钱行为。

this，China's anti-money-laundering research center for law YanLiXin secretary-general weekend reporter suggested，Shall establish anti-money laundering incentive mechanism，Maximum limit arouse relevant organizations and the people common anti-money laundering enthusiasm，change“Had to money laundering”for“I wish to money laundering”，With the anti-money laundering against money laundering the consciousness of behavior。

　　洗钱罪 Money laundering crime

　　洗钱罪是指贩毒、走私及其他犯罪分子通过银行或其他金融机构将非法获得的赃款通过转移、兑换、购买金融票据或直接投资而掩盖其非法来源和性质，使其非法资产合法化的行为。

Money laundering crime refers to drug trafficking、Smuggling and other criminals through the Banks or other financial institutions will get dirty money through the transfer of illegal、exchange、Buy financial instruments or direct investment and conceal its illegal sources and properties，Make it illegal assets the legalization of behavior。

　　《中华人民共和国刑法》第191条规定：明知是毒品犯罪、黑社会性质的组织犯罪、走私犯罪的违法所得及其产生的收益，为掩饰、隐瞒其来源和性质，有下列行为之一的，没收实施以上犯罪的违法所得及其产生的收益，处五年以下有期徒刑或者拘役，并处或者单处洗钱数额百分之五以上百分之二十以下罚金；情节严重的，处五年以上十年以下有期徒刑，并处洗钱数额百分之五以上百分之二十以下罚金。

《The criminal law of the People's Republic of China》Article 191 the provisions：Knowing it is a drug crime、The underworld property organization crime、The crime of smuggling illegal income and produces benefits，To disguise、About its source and properties，Has one of following action，Implementing this crime confiscated of the illegal income and produces benefits，Shall be sentenced to fixed-term imprisonment of up to five years or criminal detention，Money laundering shall also, or shall only, be fined not more than five percent amount to twenty percent；If the circumstances are serious，Place five years shall be sentenced to fixed-term imprisonment of not more than 10 years，Also impose money laundering is five percent to twenty percent the amount fined。

　　单位犯前款罪的，对单位判处罚金，并对其直接负责的主管人员和其他直接责任人员，处五年以下有期徒刑或者拘役。

Unit committed the crimes，It shall be fined，And the persons who are directly in charge and the other persons who are directly responsible，Shall be sentenced to fixed-term imprisonment of up to five years or criminal detention。

　　反洗钱的主要监管部门 The main anti-money-laundering supervision department

　　《中国人民银行法》规定，中国人民银行负有“指导、部署金融业反洗钱工作，负责反洗钱的资金监测”的职责。

《The people's bank of China》provisions，Responsible for the people's bank of China“guidance、Deploy the financial industry anti-money laundering work，Responsible for monitoring of money laundering money”duty。

　　《中华人民共和国反洗钱法》规定，国务院反洗钱行政主管部门负责全国的反洗钱监督管理工作。

《Money laundering law of the People's Republic of China》provisions，The aml administrative department under the state council shall be responsible for the supervision and administration of money laundering。

　　《金融机构反洗钱规定》规定，中国银行业监督管理委员会、中国证券监督管理委员会、中国保险监督管理委员会在各自的职责范围内履行反洗钱监督管理职责。

《Financial institutions anti-money laundering regulations》provisions，The China banking regulatory commission、The China securities supervision and management committee、The China insurance regulatory commission within the scope of their respective duties perform anti-money laundering supervision and management responsibilities。

　　国务院反洗钱行政主管部门、国务院有关部门、机构和司法机关在反洗钱工作中应当相互配合。

The aml administrative department under the state council、The relevant departments under the state council、Institutions and judicial organs in money anti-laundering work shall cooperate with each other。

　　洗钱犯罪活动的七种主要手法：

Money laundering activities of the seven main technique：

　　第一，利用合法金融体系洗钱。特别是使用假身份证开设账户，转移、藏匿非法所得。

The first，The financial system by the lawful money laundering。Especially with the fake id open accounts，transfer、Hide illegal income。

　　第二，利用地下钱庄洗钱。通过地下钱庄将赃款转移出境。

The second，Use of underground money laundering。Through the underground will leave the money transfer。

　　第三，利用互联网洗钱。利用网上银行转移赃款；更有通过网上赌博，把黑钱洗白。

The third，Use the Internet to money laundering。Use the bank on the net transfer the money；More through the online gambling，Wash the white laundered。

　　第四，通过现金携带洗钱。将现金随身携带或藏匿于交通工具出入境。

The fourth，Through the cash to carry money laundering。Will carry or cash were hidden in traffic tools entry and exit。

　　第五，通过投资洗钱。通过投资兴建宾馆，开设公司，购买商品房，投资房地产等方式进行洗钱；更有在境外开设公司，为其犯罪所得披上合法外衣。

The fifth，Through the investment money laundering。Through the investment for the hotel，Open company，To buy commercial houses，Real estate investment means such as money laundering；More open in foreign company，For the crime with the legal cover。

　　第六，利用进出口贸易洗钱。通过虚报进出口价格或伪造贸易单据等方式跨境转移赃款。

The sixth，Use import and export trade money laundering。Through the import and export prices or counterfeit false documents cross-border trade way transfer the money。

　　第七，利用证券期货市场洗钱。使用支票存入资金，将其作为证券期货市场内所得，将资金转移。

The seventh，Use of securities and futures market money laundering。Use the check deposited in the capital，As securities and futures market from within，Shift money。

　　人民银行反洗钱基本流程 The people's bank anti-money laundering basic process

　　反洗钱现场检查工作：人民银行反洗钱部门负责反洗钱现场检查工作。

Anti-money laundering site inspection work：The people's bank money laundering money laundering department is responsible for the inspection work。

　　反洗钱非现场监管：人民银行收集金融机构报送的反洗钱信息，采取相应的风险预警、限期整改等监管措施的行为。

Anti-money laundering the site supervision：The people's bank collect financial institutions to submit the information of money laundering，Take the corresponding risk early warning、Rectification within a time limit and the behavior of the regulatory measures。

　　金融机构报告：金融机构按年度向人民银行报告洗钱工作信息。

Financial institutions report：According to the financial institutions to report to the people's bank of laundering work information。

　　人民银行排查：人民银行对金融机构所报送的非现场监管信息进行审核登记。发现有疑问的，可电话询问、书面询问、走访金融机构等。

Side of the people's bank of：The people's bank of financial institutions to their site supervision of audit registration information。Found in question，Can telephone enquiries、Questions in writing、Visit financial institutions, etc。

　　反洗钱调查：人民银行及其省一级分支行可以进行反洗钱调查。

Anti-money laundering survey：The people's bank and its provincial level can be those anti-money-laundering survey。

　　向侦查机关报案：人民银行对可疑交易活动经调查仍不能排除洗钱嫌疑的，向侦查机关报案。

The investigation organ to report to the police：The people's bank of suspicious trading activity after investigation is still can't rule out the suspected money laundering，The investigation organ to report to the police。

　　司法机关定罪：司法机关根据洗钱案件的具体案情不同，适用刑法惩治各类洗钱犯罪。

Judicial authorities convicted：The judicial authorities according to the specific case different cases of money laundering，Applicable criminal law the punishment of the crime of money-laundering。