境外金融机构反洗钱调查问卷

1、ForeignFinancialInstitutionAMLQuestionnaire境外金融机构反洗钱调查问卷I.FinancialInstitution'SInformation金融机构信息InstitutionName:机构名称：PlaceofIncorporation:注册地：PhysicalAddressofyourheadoffice:总部地址：WebsiteAddress:网址：n.GeneralAMLPolicies,PracticesandProcedures:一般的反洗钱政策、操作方式及程序1. DoestheAMLcomplianceprogramrequirea

2、pprovaloftheFIsBoardoraseniorcommitteethereof?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. DoestheFIhavealegalandregulatorycomplianceprogramthatincludesadesignatedComplianceofficerthatisresponsibleforco-ordinatingandoverseeingtheAMLprogramonaday-to-daybasis,whichhasbeenapprovedbyseniormanagementoftheFI?金融机构是否指

3、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. HastheFIdevelopedwrittenpoliciesdocumentingtheprocessesthattheyhaveinplacetoprevent,detectandreportsuspicioustransactionsthathasbeenapprovedbyseniormanagement?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. Inadditiontoinspectionsbythegovern

4、mentsupervisors/regulators,doestheFIclienthaveaninternalauditfunctionorotherindependentthirdpartythatassessesAMLpoliciesandpracticesonaregularbasis?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. DoestheFIhaveapolicyprohibitingaccounts/relationshipswithshellbanks(Ashellbankisdefin

5、edasabankincorporatedinajurisdictioninwhichithasnophysicalpresenceandwhichisunaffiliatedwitharegulatedfinancialgroup.）?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. DoestheFIhavepoliciescoveringrelationshipswithpoliticallyexposedpersonsconsistentwithindustrybestpractic

6、es?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. DoestheFIhaveappropriaterecordretentionprocedurespursuanttoapplicablelaw?金融机构是否具备根据法律制定的适当文件保存程序？8. DoestheFIrequirethatitsAMLpoliciesandpracticesbeappliedtoallbranchesandsubsidiariesoftheFIbothinthehomecountryandinlocationsoutsideofthehomecountry?金融机构是否要求其国内及境

7、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？出.RiskAssessment风险评估9. DoestheFIhaveariskfocusedassessmentofitscustomerbaseandtransactionsofitscustomers?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. DoestheFIdeterminetheappropriatelevelofenhancedduediligencenecessaryforthosecategoriesofcustomersandtransactionsthattheFIhasreasontobeliev

8、eposeaheightenedriskofillicitactivitiesatorthroughtheFI?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. WhatAreTheMajorBusinessActivitiesOfYourInstitution?贵机构的主要业务活动有哪些？N.KnowYourCustomer,DueDiligenceandEnhancedDueDiligence了解您的客户（KYC）、尽责调查及增强尽责调查工作12. HastheFIimplementedsystems

9、fortheidentificationofitscustomers,includingcustomerinformationinthecaseofrecordedtransactions,accountopening,etc.（forexample;name,nationality,streetaddress,telephonenumber,occupation,age/dateofbirth,numberandtypeofvalidofficialidentification,aswellasthenameofthecountry/statethatissuedit）?金融机构是否有鉴别客

10、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. DoestheFIhavearequirementtocollectinformationregardingitscustomersbusinessactivities?金融机构是否有要求收集关于客户的业务活动信息？14. DoestheFIcollectinformationandassessitsFIcustomersAMLpoliciesorpractices?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

11、操作方式的信息？15. DoestheFIhaveprocedurestoestablisharecordforeachcustomernotingtheirrespectiveidentificationdocumentsandKnowYourCustomerInformationcollectedataccountopening?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. DoestheFItakestepstounderstandthenormalandexpectedtransactionsofitscustomersbasedoni

12、tsriskassessmentofitscustomers?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.ReportableTransactionsandPreventionandDetectionofTransactionswithIllegallyObtainedFunds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. DoestheFIhavepoliciesorpracticesfortheidentificationandreportingoftransactionsthatarerequiredtobereportedtotheau

13、thorities?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. DoestheFIhaveprocedurestoidentifytransactionsstructuredtoavoidlargecashreportingrequirements?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. DoestheFIscreentransactionsforcustomersortransactionstheFIdeemstobeofsignificantlyhighrisk(whichmayincludeperso

14、ns,entitiesorcountriesthatarecontainedonlistsissuedbygovernment/internationalbodies)thatspecialattentiontosuchcustomersortransactionsisnecessarypriortocompletinganysuchtransactions?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. DoestheFIhavepolicies

15、toreasonablyensurethattheywillnotconducttransactionswithoronbehalfofshellbanksthroughanyofitsaccountsorproducts?(Ashellbankisdefinedasabankincorporatedinajurisdictioninwhichithasnophysicalpresenceandwhichisunaffiliatedwitharegulatedfinancialgroup.)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

16、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. DoestheFIhavepoliciestoreasonablyensurethatitonlyoperateswithcorrespondentbanksthatpossesslicensestooperateintheircountriesoforigin?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.TransactionMonitoring监控交易22. DoestheFIhaveamonitoringprogramforsuspiciousorunusualactivitythatc

17、oversfundstransfersandmonetaryinstruments(suchastravellerschecks,moneyorders,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？W.AMLTraining反洗钱培训23. DoestheFIprovideAMLtrainingtorelevantemployeesthatincludesidentificationandreportingoftransactionsthatmustbereportedtogovernmentauthorities,e

18、xamplesofdifferentformsofmoneylaunderinginvolvingtheFIpsroductsandservicesandinternalpoliciestopreventmoneylaundering?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. DoestheFIretainrecordsofitstrainingsessionsincludingattendancerecordsandrelevanttrainingmaterialsused?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. DoestheFIhavepoliciestocom