境外金融机构反洗钱调查问卷

Foreign Financial Institution AML Questionnaire

境外金融机构反洗钱调查问卷

Ⅰ. Financial Institution’S Information

金融机构信息

Institution Name:

机构名称：

Place of Incorporation:

注册地：

Physical Address of your head office:

总部地址：

Website Address:

网址：

Ⅱ.General AML Policies, Practices and Procedures:

一般的反洗钱政策、操作方式及程序

1. Does the AML compliance program require approval of the FI’s Board or a senior committee

thereof?

反洗钱合规计划是否需要取得该金融机构董事会或高层委员会的批准？

2. Does the FI have a legal and regulatory compliance program that includes a designated

Compliance officer that is responsible for co-ordinating and overseeing the AML program on a

day-to-day basis, which has been approved by senior management of the FI?

金融机构是否指定一名合规管理人员，负责协调及监管反洗钱计划合法合规，并已经取得金

融机构高级管理层的批准？

3. Has the FI developed written policies documenting the processes that they have in place to

prevent, detect and report suspicious transactions that has been approved by senior management?

金融机构是否有制定具体的书面政策，详细记录其已实施的程序，以防止、侦察及报告可疑

交易活动，并已经高级管理层批准?

4. In addition to inspections by the government supervisors/regulators, does the FI client have an

internal audit function or other independent third party that assesses AML policies and practices

on a regular basis?

除了政府监管/立法部门的监察，金融机构客户是否设有一个内部稽核部门，或者是委任其

它独立第三方，经常性地评估反洗钱政策及操作规程？

5. Does the FI have a policy prohibiting accounts/relationships with shell banks (A shell bank is

defined as a bank incorporated in a jurisdiction in which it has no physical presence and which is

unaffiliated with a regulated financial group.)?

金融机构是否有政策禁止为空壳银行开立账户及进行业务关系（空壳银行的定义是该行在其

注册成立地区没有实际业务，同时它不附属于任何受监管的金融业务集团）？

6. Does the FI have policies covering relationships with politically exposed persons consistent

with industry best practices?

金融机构是否有与行业最佳操守一致的政策以监管与政治公众人物的关系？

7.Does the FI have appropriate record retention procedures pursuant to applicable law?

金融机构是否具备根据法律制定的适当文件保存程序？

8. Does the FI require that its AML policies and practices be applied to all branches and

subsidiaries of the FI both in the home country and in locations outside of the home country?

金融机构是否要求其国内及境外地区的所有分行以及附属机构，遵守其反洗钱政策及操守？

Ⅲ.Risk Assessment

风险评估

9. Does the FI have a risk focused assessment of its customer base and transactions of its

customers?

金融机构是否会对其客户及其交易活动进行专门风险评估？

10. Does the FI determine the appropriate level of enhanced due diligence necessary for those

categories of customers and transactions that the FI has reason to believe pose a heightened risk of

illicit activities at or through the FI?

就那些金融机构有足够理由认定其自行、或通过金融机构进行高风险违法活动的客户和交

易，金融机构是否会决定制订适当标准的增强尽职调查工作？

11.What Are The Major Business Activities Of Your Institution?

贵机构的主要业务活动有哪些？

Ⅳ. Know Your Customer, Due Diligence and Enhanced Due Diligence

了解您的客户（KYC）、尽责调查及增强尽责调查工作

12. Has the FI implemented systems for the identification of its customers, including customer

information in the case of recorded transactions, account opening, etc. (for example; name,

nationality, street address, telephone number, occupation, age/ date of birth, number and type of

valid official identification, as well as the name of the country/state that issued it)?

金融机构是否有鉴别客户身份的系统，包括已记录交易及开设账户时取得客户信息（例如：

姓名、国籍、住址、电话号码、职业、年龄/出生日期、所持有效身份证明文件的号码及种

类、签发此等文件的国家/州等）？

13. Does the FI have a requirement to collect information regarding its customers’ business

activities?

金融机构是否有要求收集关于客户的业务活动信息？

14 Does the FI collect information and assess its FI customers’ AML policies or practices?

金融机构是否收集及评估其金融机构客户的反洗钱政策或操作方式的信息？

15. Does the FI have procedures to establish a record for each customer noting their respective

identification documents and Know Your Customer Information collected at account opening?

金融机构是否有程序为每个客户建立档案，记录在开设账户时所收集的身份证明文件及

KYC信息？

16. Does the FI take steps to understand the normal and expected transactions of its customers

based on its risk assessment of its customers?

金融机构是否根据其对客户的风险评估，采取行动来了解客户正常及预期中的交易活动？

Ⅴ.Reportable Transactions and Prevention and Detection of Transactions with Illegally

Obtained Funds

须报告的交易，防止及侦察通过非法资金进行的交易活动

17. Does the FI have policies or practices for the identification and reporting of transactions that

are required to be reported to the authorities?

对于那些需要向监管部门报告的交易，金融机构是否有政策或程序鉴别和报告此类活动？

18. Does the FI have procedures to identify transactions structured to avoid large cash reporting

requirements?

对于那些故意作出调整以回避大额现金报告要求的交易，金融机构是否有程序进行识别？

19. Does the FI screen transactions for customers or transactions the FI deems to be of

significantly high risk (which may include persons, entities or countries that are contained on lists

issued by government/international bodies) that special attention to such customers or transactions

is necessary prior to completing any such transactions?

对于那些金融机构认为较高风险的客户或交易活动（可能包括政府/国际组织公布高风险名

单中的个别人士、实体或国家），而在完成交易前必须对有关的客户或交易给与特别关注，

金融机构是否会过滤该类交易？

20. Does the FI have policies to reasonably ensure that they will not conduct transactions with or

on behalf of shell banks through any of its accounts or products? (A shell bank is defined as a

bank incorporated in a jurisdiction in which it has no physical presence and which is unaffiliated

with a regulated financial group.)

金融机构是否有政策以合理地确保其账户或产品不会与空壳银行进行交易？（空壳银行的定

义是该行在其注册成立地区没有实际业务，同时它不附属于任何受监管的金融业务集团）

21. Does the FI have policies to reasonably ensure that it only operates with correspondent banks

that possess licenses to operate in their countries of origin?

金融机构是否有政策以合理地确保它只会与在其来源国家持有运营牌照的往来银行合作？

Ⅵ.Transaction Monitoring

监控交易

22. Does the FI have a monitoring program for suspicious or unusual activity that covers funds

transfers and monetary instruments (such as travellers checks, money orders, etc.)?

金融机构是否有监控计划，用于监控那些掩饰真实资金转移及付款指示（例如旅行支票、汇

款单等）的可疑或不寻常活动？

Ⅶ.AML Training

反洗钱培训

23. Does the FI provide AML training to relevant employees that includes identification and

reporting of transactions that must be reported to government authorities, examples of different

forms of money laundering involving the FI’s products and services and internal policies to

prevent money laundering?

金融机构是否为其有关员工提供反洗钱培训，此类培训包括识别及报告那些需要向政府部门

报告的交易、各种牵涉金融机构产品及服务的不同形式洗钱活动、内部的反洗钱政策？

24. Does the FI retain records of its training sessions including attendance records and relevant

training materials used?

金融机构是否保留其培训课程的各项记录，包括出席记录及所用教材等？

25. Does the FI have policies to communicate new AML related laws or changes to existing AML

related policies or practices to relevant employees?

对于现有反洗钱政策或操守的改变及新法规，金融机构是否有政策向相关员工传达？

26. Does the FI employ agents to carry out some of the functions of the FI and if so does the FI

provide AML training to relevant agents that includes identification and reporting of transactions

that must be reported to government authorities, examples of different forms of money laundering

involving the FI’s products and services and internal policies to prevent money laundering?

金融机构是否有使用代理进行部分业务？如有，金融机构是否为有关代理人提供反洗钱培

训？此类培训包括识别及报告那些需要向政府部门报告的交易、各种牵涉金融机构产品及服

务的不同形式洗钱活动、内部的反洗钱政策？

Date Completed:

日期

Completed by:

填写人

Title/Position:Manager

职务