美国股权众筹中集资门户的反洗钱义务及其启示

Anti-money Laundering Obligations for Funding Portals in the Process of America Raising Equity Andits Enlightenment

美国股权众筹法律制度中确认了集资门户的反洗钱义务。集资门户和其他金融机构一样必须遵守《银行保密法》规定的反洗钱要求,即拟定反洗钱计划、识别客户的身份、提交可疑交易报告以及信息共享四个程序。集资门户在未能履行反洗钱义务时应承担相应的行政或刑事责任。我国应借鉴美国集资门户反洗钱立法的先进经验,明确规定众筹平台的反洗钱义务,加强众筹平台对投融资双方的审核,完善众筹平台的法律责任。

Anti-money laundering obligations for funding portals are confirmed in the American legal system. Funding portals must comply with the same anti-money laundering requirements established in Bank Secrecy Act as other financial institutions, which means to develop anti-money laundering programs, identify the customer＇ s identity ,file suspicious activity reports and information sharing programs. The funding portals shall bear the corresponding administrative or criminal responsibility for the failure to fulfill the obligation of anti- money laundering. China should learn from the advanced experience of legislation in US, defining anti-money laundering obligations for fundraising platform, urging fundraising platform to check the information of issuer and investors and improving the legal responsibility of the fundraising platforms.