析反洗钱行政处罚的法律矛盾冲突与适用

Legal Contradictions and Applicability of Administrative Punishment against Money Laundering

《反洗钱法》的颁布实施对于预防洗钱活动,维护金融秩序,遏制洗钱犯罪及其相关犯罪,发挥了非常重要的作用。但是,《反洗钱法》与中国人民银行颁布的《金融机构反洗钱规定》、《金融机构大额交易和可疑交易报告管理办法》等规章关于法律责任的规定,实行双重行政处罚标准;反洗钱违法行为的范围、行政处罚规定的效力、处罚建议权、拒绝权等规定有矛盾的地方;违反规定、情节严重、特别严重、身份不明等情形定义不明确,概念模糊不清。这些矛盾冲突及问题,必然导致法律及规章的适用困难,应及时予以修改补充完善,以保证社会主义法制的统一、和谐与尊严。

The release and implementation of ＂Anti-money Laundering Law＂ plays a vital role in maintaining financial order and checking money laundering and related crimes. However, this law is contradictory to the stipulations on legal responsibility in＂ Reg- ulations on Anti-money Laundering by Financial Institutions＂ and ＂Methods on Report of Large Amount Transaction and Suspect Transaction by Financial Institutions.＂ Examples of contradictions can be found in double-standard administrative punishment, the scope of anti-money laundering activities, effect of administrative punishment, punishment suggestion right and refusal right. Moreover, concepts of violation of rules, serious offence, extremely serious offence and vague identity are not clearly defined and stated. Such contradictions will make it difficult to apply relevant rules and regulations and should be corrected and revised so as to maintain the unity, harmony and dignity of socialist legal system.