目前，我国已建立以《反洗钱法》为基础、以中国人民银行和保监会监管规定为主体、以配套实施细则和操作标准为补充的保险业反洗钱监管法律制度体系。由于《反洗钱法》和其他部门规章制定时间较早，更多地体现“合规为本”，而非“风险为本”，现有立法已难以适应反洗钱监管理念从“合规为本”向“风险为本”的转变。保险业反洗钱相关立法需要根据监管理念的调整而进行相应的完善。本报告在全面梳理我国保险业反洗钱立法的基础上，深入研究境外发达国家和地区保险业反洗钱立法情况，以及反洗钱金融行动特别工作组（FATF）和国际保险监督官协会（IAIS）对保险业反洗钱的相关建议和要求，并结合中国保险业反洗钱工作实际，提出完善我国保险业反洗钱立法的建议。
At present，China has established supervision legal system of anti-money laundering related to insurance industry on the basis of The Anti Money Laundering Law，regulations of The People’s Bank of China（PBC）and China Insurance Regulatory Commission（CIRC）as the mainstay，and complementing the implementation of regulations and standard of operation. Due to the earlier set of The Anti Money Laundering Law and regulations，they are more “compliance based” rather than “risk based”. The present legislation is difficult to satisfy the changing of the supervision idea from “compliance based” to “risk based”. The anti-money laundering legislation related to insurance industry need to adapt the changing of the supervision idea. This article research deeply into the anti- money laundering legislation related to insurance industry in foreign developed countries（districts）and FATF and IAIS’ suggestions and requests about anti- money laundering related to insurance industry，combining the reality of anti-money laundering related to China’s insurance industry，putting forward policy suggestions on how to improve the anti-money laundering legislation related to insurance industry in China.
