{"id":24150,"date":"2025-05-06T10:40:35","date_gmt":"2025-05-06T10:40:35","guid":{"rendered":"https:\/\/www.complycube.com\/?p=24150"},"modified":"2025-12-19T11:43:32","modified_gmt":"2025-12-19T11:43:32","slug":"%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e5%8f%8d%e6%b4%97%e9%92%b1%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.complycube.com\/zh\/aml-guidelines-for-insurance-companies\/","title":{"rendered":"\u4fdd\u9669\u516c\u53f8\u53cd\u6d17\u94b1\u6307\u5357"},"content":{"rendered":"

\u4fdd\u9669\u516c\u53f8\uff0c\u5c24\u5176\u662f\u63d0\u4f9b\u4eba\u5bff\u4fdd\u9669\u3001\u5e74\u91d1\u548c\u6295\u8d44\u578b\u4ea7\u54c1\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u867d\u7136\u4f20\u7edf\u4e0a\u88ab\u8ba4\u4e3a\u98ce\u9669\u655e\u53e3\u4f4e\u4e8e\u94f6\u884c\uff0c\u4f46\u5982\u4eca\u5374\u65e5\u76ca\u53d7\u5230\u76d1\u7ba1\u673a\u6784\u7684\u4e25\u683c\u5ba1\u67e5\u3002\u8bc6\u522b\u548c\u76d1\u63a7\u53ef\u7591\u6d3b\u52a8\u662f\u8be5\u884c\u4e1a\u53cd\u6d17\u94b1\u5de5\u4f5c\u7684\u5173\u952e\u7ec4\u6210\u90e8\u5206\u3002\u6839\u636e\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\uff0c\u4fdd\u9669\u516c\u53f8\u88ab\u5f52\u7c7b\u4e3a\u91d1\u878d\u673a\u6784\uff0c\u5fc5\u987b\u5b9e\u65bd\u7279\u5b9a\u7684\u5408\u89c4\u63aa\u65bd\uff0c\u5305\u62ec\u63d0\u4ea4\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\uff0c\u4ee5\u6ee1\u8db3\u91d1\u878d\u72af\u7f6a\u6267\u6cd5\u5c40 (FinCEN) \u7b49\u673a\u6784\u5236\u5b9a\u7684\u6cd5\u89c4\u3002\u5bf9\u4e8e\u4efb\u4f55\u4fdd\u9669\u516c\u53f8\u800c\u8a00\uff0c\u5b8c\u5584\u7684\u53cd\u6d17\u94b1 (AML) \u5408\u89c4\u8ba1\u5212\u5df2\u4e0d\u518d\u4ec5\u4ec5\u662f\u4e00\u9879\u76d1\u7ba1\u4e49\u52a1\uff0c\u800c\u662f\u7ef4\u62a4\u5176\u8fd0\u8425\u8bda\u4fe1\u5e76\u7ef4\u62a4\u4e0e\u6295\u4fdd\u4eba\u3001\u76d1\u7ba1\u673a\u6784\u548c\u6295\u8d44\u8005\u4e4b\u95f4\u7684\u4fe1\u4efb\u7684\u6218\u7565\u8981\u52a1\u3002\u672c\u6307\u5357\u5c06\u5206\u89e3\u4fdd\u9669\u516c\u53f8\u9632\u6b62\u6b3a\u8bc8\u548c\u786e\u4fdd\u5408\u89c4\u7684\u5173\u952e\u53cd\u6d17\u94b1\u51c6\u5219\u3002<\/p>\n\n\n\n

\u53cd\u6d17\u94b1\u7b80\u4ecb<\/h2>\n\n\n\n

\u53cd\u6d17\u94b1 (AML) \u662f\u6307\u65e8\u5728\u9884\u9632\u548c\u4fa6\u67e5\u975e\u6cd5\u8d44\u91d1\u6d17\u94b1\u6d3b\u52a8\u7684\u4e00\u6574\u5957\u6cd5\u5f8b\u3001\u6cd5\u89c4\u548c\u7a0b\u5e8f\u3002\u5728\u4fdd\u9669\u884c\u4e1a\uff0c\u53cd\u6d17\u94b1\u5bf9\u4e8e\u9632\u6b62\u5229\u7528\u4fdd\u9669\u4ea7\u54c1\u548c\u4ea4\u6613\u8fdb\u884c\u6d17\u94b1\u81f3\u5173\u91cd\u8981\u3002\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u5b9e\u65bd\u5f3a\u6709\u529b\u7684\u53cd\u6d17\u94b1\u63aa\u65bd\uff0c\u8bc6\u522b\u548c\u62a5\u544a\u53ef\u7591\u4ea4\u6613\uff0c\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\uff0c\u5e76\u76d1\u63a7\u4ea4\u6613\uff0c\u4ee5\u9632\u6b62\u975e\u6cd5\u8d44\u91d1\u6d41\u52a8\u3002 <\/p>\n\n\n\n

\"AML<\/figure>\n\n\n\n

\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4 (FATF) \u5c31\u53cd\u6d17\u94b1\u6cd5\u89c4\u63d0\u4f9b\u4e86\u91cd\u8981\u6307\u5bfc\uff0c\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u9075\u5b88\u8fd9\u4e9b\u6cd5\u89c4\uff0c\u4ee5\u907f\u514d\u906d\u53d7\u4e25\u5389\u5904\u7f5a\u548c\u58f0\u8a89\u635f\u5bb3\u3002\u5c06\u53cd\u6d17\u94b1\u5b9e\u8df5\u878d\u5165\u8fd0\u8425\u4e4b\u4e2d\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u7ef4\u62a4\u81ea\u8eab\u8bda\u4fe1\uff0c\u5e76\u4e3a\u5168\u7403\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u505a\u51fa\u8d21\u732e\u3002<\/p>\n\n\n\n

\u4fdd\u9669\u516c\u53f8\u9762\u4e34\u7684\u53cd\u6d17\u94b1\u98ce\u9669<\/h2>\n\n\n\n

\u7531\u4e8e\u4ea7\u54c1\u590d\u6742\u6027\u3001\u591a\u65b9\u53c2\u4e0e\u7b49\u591a\u79cd\u98ce\u9669\u56e0\u7d20\uff0c\u4fdd\u9669\u4ea7\u54c1\u5728\u91d1\u878d\u72af\u7f6a\u65b9\u9762\u53ef\u80fd\u5448\u73b0\u51fa\u72ec\u7279\u7684\u8106\u5f31\u6027\u3002\u4f8b\u5982\uff0c\u5305\u542b\u6295\u8d44\u6210\u5206\u7684\u4fdd\u5355\u53ef\u80fd\u88ab\u7528\u6765\u63a9\u76d6\u975e\u6cd5\u8d44\u91d1\u7684\u6765\u6e90\uff0c\u800c\u63d0\u524d\u53d6\u6b3e\u548c\u53d7\u76ca\u4eba\u53d8\u66f4\u5219\u53ef\u80fd\u6210\u4e3a\u6d17\u94b1\u6216\u6b3a\u8bc8\u6d3b\u52a8\u7684\u8b66\u793a\u4fe1\u53f7\u3002 <\/p>\n\n\n\n

\u72af\u7f6a\u5206\u5b50\u7ecf\u5e38\u5229\u7528\u4fdd\u9669\u4ea7\u54c1\u8f6c\u79fb\u5927\u91cf\u975e\u6cd5\u8d44\u91d1\uff0c\u5c24\u5176\u662f\u901a\u8fc7\u8db8\u7f34\u4fdd\u8d39\u4fdd\u5355\u548c\u8865\u5145\u4fdd\u9669\u3002\u7ecf\u7eaa\u4eba\u6216\u4ee3\u7406\u4eba\u7b49\u7b2c\u4e09\u65b9\u7684\u4ecb\u5165\uff0c\u8fdb\u4e00\u6b65\u52a0\u5267\u4e86\u76d1\u7ba1\u96be\u5ea6\uff0c\u5e76\u524a\u5f31\u4e86\u5bf9\u5ba2\u6237\u5173\u7cfb\u7684\u76f4\u63a5\u53ef\u89c6\u6027\u3002<\/p>\n\n\n\n

\u6d17\u94b1\u8005\u901a\u5e38\u9752\u7750\u4fdd\u9669\u4ea7\u54c1\uff0c\u56e0\u4e3a\u4e0e\u4f20\u7edf\u94f6\u884c\u4e1a\u52a1\u76f8\u6bd4\uff0c\u4fdd\u9669\u4ea7\u54c1\u5177\u6709\u66f4\u9ad8\u7684\u7a33\u5b9a\u6027\u3001\u66f4\u5927\u7684\u4ea4\u6613\u989d\uff0c\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u5ba1\u67e5\u529b\u5ea6\u4e5f\u66f4\u4f4e\u3002\u56e0\u6b64\uff0c\u4fdd\u9669\u516c\u53f8\u5e94\u4e0e\u5176\u4ed6\u91d1\u878d\u673a\u6784\u4e00\u6837\uff0c\u5c55\u73b0\u51fa\u540c\u7b49\u7a0b\u5ea6\u7684\u53cd\u6d17\u94b1\u5c3d\u804c\u8c03\u67e5\uff0c\u56e0\u4e3a\u5b83\u4eec\u9762\u4e34\u7740\u975e\u5e38\u73b0\u5b9e\u7684\u6b3a\u8bc8\u98ce\u9669\u3002 <\/p>\n\n\n\n

\u5e94\u5bf9\u76d1\u7ba1\u9884\u671f<\/h2>\n\n\n\n

\u4fdd\u9669\u516c\u53f8\u5728\u9519\u7efc\u590d\u6742\u7684\u56fd\u9645\u548c\u56fd\u5185\u53cd\u6d17\u94b1\u6cd5\u89c4\u4e0b\u8fd0\u8425\u3002\u5728\u5168\u7403\u8303\u56f4\u5185\uff0c\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4 (FATF) \u63d0\u4f9b\u4e86\u4e00\u5957\u5168\u9762\u7684\u5efa\u8bae\uff0c\u7528\u4e8e\u6307\u5bfc\u5404\u56fd\u7acb\u6cd5\u3002\u5728\u6b27\u6d32\uff0c\u6b27\u76df\u7684\u53cd\u6d17\u94b1\u6307\u4ee4 (AMLD) \u89c4\u5b9a\u4e86\u4e25\u683c\u7684\u4e49\u52a1\uff0c\u5305\u62ec\u5bf9\u9ad8\u98ce\u9669\u5ba2\u6237\u8fdb\u884c\u52a0\u5f3a\u5c3d\u804c\u8c03\u67e5 (EDD) \u4ee5\u53ca\u786e\u4fdd\u53d7\u76ca\u6240\u6709\u6743\u900f\u660e\u5ea6\u3002\u5728\u7f8e\u56fd\uff0c\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\u548c\u300a\u7f8e\u56fd\u7231\u56fd\u8005\u6cd5\u6848\u300b\u8be6\u7ec6\u5217\u51fa\u4e86\u4fdd\u9669\u516c\u53f8\u7684\u53cd\u6d17\u94b1\u8ba1\u5212\u8981\u6c42\u3002\u540c\u6837\uff0c\u5927\u591a\u6570\u6b27\u6d32\u56fd\u5bb6\u90fd\u6709\u7c7b\u4f3c\u7684\u76d1\u7ba1\u673a\u6784\u6765\u7ba1\u7406\u53cd\u6d17\u94b1\u5b9e\u8df5\uff0c\u4f8b\u5982\u82f1\u56fd\u7684\u91d1\u878d\u884c\u4e3a\u76d1\u7ba1\u5c40 (FCA) \u6216\u5fb7\u56fd\u7684\u5fb7\u56fd\u8054\u90a6\u91d1\u878d\u76d1\u7ba1\u5c40 (BaFin)\u3002\u8fd9\u4e9b\u76d1\u7ba1\u673a\u6784\u91c7\u7528\u9488\u5bf9\u7279\u5b9a\u884c\u4e1a\u7684\u6307\u5bfc\uff0c\u5e76\u79ef\u6781\u6267\u884c\u5408\u89c4\u89c4\u5b9a\u3002\u4e0d\u9075\u5b88\u8fd9\u4e9b\u53cd\u6d17\u94b1\u6cd5\u89c4\u53ef\u80fd\u4f1a\u5bfc\u81f4\u4e25\u91cd\u540e\u679c\uff0c\u5305\u62ec\u5de8\u989d\u7f5a\u6b3e\u548c\u5176\u4ed6\u5904\u7f5a\u3002<\/p>\n\n\n\n

\u4e3a\u4e86\u786e\u4fdd\u8de8\u53f8\u6cd5\u7ba1\u8f96\u533a\u7684\u5408\u89c4\u6027\uff0c\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u4f7f\u5176\u53cd\u6d17\u94b1\u8ba1\u5212\u7b26\u5408\u5168\u7403\u6807\u51c6\u548c\u5404\u56fd\u671f\u671b\u3002\u8fd9\u9879\u4efb\u52a1\u9700\u8981\u7075\u6d3b\u6027\u3001\u7cbe\u51c6\u6027\uff0c\u5e76\u4e14\u901a\u5e38\u9700\u8981\u5148\u8fdb\u6280\u672f\u7684\u652f\u6301\u3002 <\/p>\n\n\n\n

\u4fdd\u9669\u4e1a\u53cd\u6d17\u94b1\u5408\u89c4\u7684\u57fa\u77f3<\/h2>\n\n\n\n

\u4efb\u4f55\u6709\u6548\u7684\u53cd\u6d17\u94b1\u6846\u67b6\u7684\u6838\u5fc3\u90fd\u5728\u4e8e\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u3002\u4fdd\u9669\u516c\u53f8\u4e0d\u5e94\u5bf9\u6240\u6709\u5ba2\u6237\u548c\u4ea7\u54c1\u91c7\u7528\u7edf\u4e00\u7684\u7a0b\u5e8f\uff0c\u800c\u5e94\u6839\u636e\u98ce\u9669\u6c34\u5e73\u91cf\u8eab\u5b9a\u5236\u5408\u89c4\u63a7\u5236\u63aa\u65bd\u3002\u8fd9\u9700\u8981\u6301\u7eed\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\uff0c\u5e76\u8003\u8651\u4ea7\u54c1\u7c7b\u578b\u3001\u5ba2\u6237\u6982\u51b5\u3001\u4ea4\u4ed8\u6e20\u9053\u548c\u5730\u57df\u98ce\u9669\u7b49\u56e0\u7d20\u3002\u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u8bc6\u522b\u548c\u62a5\u544a\u53ef\u7591\u6d3b\u52a8\u5bf9\u4e8e\u786e\u4fdd\u5408\u89c4\u5e76\u9884\u9632\u91d1\u878d\u72af\u7f6a\u81f3\u5173\u91cd\u8981\u3002<\/p>\n\n\n\n

\n

\u9ad8\u98ce\u9669\u5ba2\u6237\u53ef\u80fd\u9700\u8981 \u989d\u5916\u7684\u9a8c\u8bc1\u7a0b\u5e8f\u3002<\/a><\/p>\n<\/blockquote>\n\n\n\n

\u201c\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u901a\u8fc7\u6839\u636e\u98ce\u9669\u56e0\u7d20\u8c03\u6574\u9a8c\u8bc1\u7ea7\u522b\uff0c\u53ef\u4ee5\u5b9e\u73b0\u66f4\u597d\u7684\u5ba2\u6237\u5165\u804c\u5408\u89c4\u8ba1\u5212\u3002\u4f4e\u98ce\u9669\u5ba2\u6237\u53ef\u4ee5\u66f4\u5feb\u5730\u88ab\u63a5\u53d7\uff0c\u800c\u9ad8\u98ce\u9669\u5ba2\u6237\u53ef\u80fd\u9700\u8981\u989d\u5916\u7684\u9a8c\u8bc1\u7a0b\u5e8f\uff0c\u201d \u91d1\u878d\u72af\u7f6a\u5b66\u9662<\/a>\u3002\u6709\u5173\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u9605\u8bfb \u201c\u53cd\u6d17\u94b1\u4e2d\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u7684\u6f14\u53d8\u3002\u201d<\/a><\/p>\n\n\n\n

\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u662f\u53cd\u6d17\u94b1 (AML) \u7684\u57fa\u77f3\u3002\u5728\u7b7e\u53d1\u4fdd\u5355\u4e4b\u524d\uff0c\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\uff0c\u5e76\u5728\u9002\u7528\u7684\u60c5\u51b5\u4e0b\u9a8c\u8bc1\u53d7\u76ca\u6240\u6709\u4eba\u7684\u8eab\u4efd\u3002\u5bf9\u4e8e\u6807\u51c6\u98ce\u9669\u4e2a\u4eba\uff0c\u57fa\u672c\u68c0\u67e5\u5373\u53ef\uff1b\u4f46\u5bf9\u4e8e\u653f\u6cbb\u516c\u4f17\u4eba\u7269 (PEP)\u3001\u6765\u81ea\u9ad8\u98ce\u9669\u56fd\u5bb6\u7684\u5ba2\u6237\u6216\u5b58\u5728\u5f02\u5e38\u4ea4\u6613\u884c\u4e3a\u7684\u5ba2\u6237\uff0c\u5219\u9700\u8981\u8fdb\u884c\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5 (EDD)\u3002\u8fd9\u5305\u62ec\u83b7\u53d6\u66f4\u591a\u6587\u4ef6\u3001\u4e86\u89e3\u8d44\u91d1\u6765\u6e90\u4ee5\u53ca\u8fdb\u884c\u66f4\u9891\u7e41\u7684\u5ba1\u67e5\u3002\u6b32\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u7684\u4fe1\u606f\uff0c\u8bf7\u9605\u8bfb \u201c\u4ec0\u4e48\u662f\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff1f\u201d<\/a><\/p>\n\n\n\n

\"\u4fdd\u9669\u516c\u53f8\u53cd\u6d17\u94b1\u6307\u5357\"<\/figure>\n\n\n\n

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\n

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\u4fdd\u9669\u4ea7\u54c1\u4e0e\u6d17\u94b1<\/h2>\n\n\n\n

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\"\u4f7f\u7528<\/figure>","protected":false},"excerpt":{"rendered":"

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