反洗钱专项培训
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Financial institutions report suspicious transactions, large transactions and Regulations
金融机构报告涉嫌恐怖融资可疑交易报告管理办法
Financial institutions report suspicious transactions report suspected terrorist financing
上或者外币等值10万美元以上的款项划转。
• Between bank accounts of natural persons, as well as natural persons and legal persons, other organizations and individual business bank account the same day
首先从金融机构发展的角度来诠释：
First, from the perspective of financial institutions in the development of interpretation
各金融机构开始由第一轮竞争逐步转向第二轮竞争
The financial institutions began to gradually shift from the first round of the competition in the second round of competition
Only with a large number of quality clients, enhance brand image and product innovation continue
我国目前的反洗钱工作处于初步发展走向逐步完善的阶段
在反洗钱工作中KYC可以让我们做到对优质客户的筛选， 让我们更加有针对性的为其提供量身定做的金融产品，提 供卓越的服务！
反洗钱监管制度解析 Analysis institution
洗钱：将犯罪的违法所得及其产生的收益，通过 各种手段掩饰、隐瞒其来源和性质，使其在形式 上合法化的行为。
Money Laundering :The crime of illegal income and gains , Through various means to cover up, conceal the source and nature of their behavior in the form of legalization.
反洗钱工作和创造价值的关系
Relationship between AML work and value
商业银行的反洗钱工作在初期并不是以创造价值为目的
Commercial banks not AML work to create value in the initial purpose
如何将反洗钱工作和创造价值联系在一起
反洗钱监管制度解析 Analysis institution
• 洗钱的基本特征
The basic characteristics of money laundering
• 对象-犯罪嫌疑人
Object- Suspect
• 目的-转化不法所得
Purpose- Conversion obtained illegally
Independent audit
完善的培训教育 Improved training and education
大额交易报告Large transaction reports
单笔或者当日累计人民币交易20万元以上或者外币交易等 值1万美元以上的现金缴存、现金支取、现金结售汇、现
钞兑换、现金汇款、现金票据解付及其他形式的现金收支。
下的树立起来。因此反洗钱工作同时也是以“风险控制为手段” 开展的。
AML work and guiding ideology to every employee from the top, top-down set up. So
anti-money laundering is also a "risk control as a means" to carry out.
客户是我们的“衣食父母” ，因此我们的反洗钱工作的本质是
以“客户为中心”展开的。
The essence of our anti-money laundering work with "customer-centric" launched.
反洗钱工作的意义和指导思想要从高层到每一位员工，自上而
金融反洗钱基本原理
The basic principles of financial anti-money laundering
金融反洗钱基本原理
The basic principles of financial anti-money laundering
反洗钱法律规定AML law
反洗钱法Anti-Money Laundering Law 金融机构反洗钱规定 AML regulations of financial institutions 金融机构大额交易和可疑交易报告管理办法
KYC in AML work allows us to do the screening for high-quality customers, let us provide more targeted financial products tailored to provide excellent service!
withdrawal, cash exchange settlement and sales, cash exchange, cash remittance,
cash bills for payment and other forms of cash income support
大额交易报告Large transaction reports
客户身份识别KYC
客户风险等级划分 Risk rating 身份识别 KYC
反洗钱非现场监管Off-site regulation
监管要求 Regulatory requirement 非现场评估标准 Evaluative criteria
反洗钱监管制度解析
Analysis institution
dollars in foreign currency more than the equivalent amount transferred.
大额交易报告Large transaction reports
自然人银行账户之间，以及自然人与法人、其他组织和个 体工商户银行账户之间单笔或者当日累计人民币50万元以
只有掌握大量优质客户，提升品牌形象，不断产品创新，加强优质 服务，提高企业形象才能在金融市场的第二轮竞争中立于不败之地！
to enhance services, improve the corporate image to the second round of competition in the financial market in an invincible position
• Single or daily total of RMB 200,000 Yuan or more transactions or foreign currency transactions of more than 10,000 U.S. dollars equivalent cash deposit, cash
第一轮竞争：大量吸引客户，提高市场占有率。
The first round of the competition: Attract customers, increase market share
第二轮竞争：提升服务，创造品牌价值。
The second round of the competition: To enhance services and create brand value
Fra Baidu bibliotek
FATF”４０+９”
反洗钱内控Internal control
内控制度的建设与完善是反洗钱工作最核心部分Construction
and improvement of internal control system is the core part of the AML
内部控的要求 Internal control requirements
法人、其他组织和个体工商户银行账户之间单笔或者当日 累计人民币200万元以上或者外币等值20万美元以上的款
项划转。
• Legal persons, other organizations and individual business bank account the same day between the single or accumulated more than 2 million yuan or 200,000 U.S.
反洗钱工作的提出
反洗钱对金融机构的意义
Significance of AML on financial institutions
缓解合规压力 Compliance pressures ease 规避外部风险 Avoid external risks 降低内部风险 Reduce internal risk 价值创造 Value Creation
完整机构、人员、资源的分工
Complete organization, personnel, resources and division of labor
合理的流程控制与操作规程
Reasonable process control and operational procedures
规范化合规管理 Standardized compliance 独立的审计
How to create value for the use of AML
我国目前的反洗钱工作处于初步发展走向逐步完 善的阶段
The current AML work in China at an early stage of development trend of gradual improvement
between the single or accumulated more than 500,000 Yuan or more than one
hundred thousand U.S. dollars in foreign currency equivalent of the amount transferred
欢迎大家参加此次 关于反洗钱知识的讲座
Welcome to take part in this lecture about AML knowledge
反洗钱监管制度解析 Analysis institution
培养反洗钱意识 Awareness Training 完善反洗钱内控制度建设 System construction
Regulations
金融机构客户身份识别和客户身份资料及交易记录保存管理办法
Customer identification and customer identification information and transaction record keeping management approach
我国目前的反洗钱工作处于初步发展走向逐步完 善的阶段
其次从反洗钱工作本身的角度出发：
Second, the work from the perspective of AML
如何提升服务，如何创造品牌价值？
How to improve service, how to create brand value
• 手段-分头转化，统一集散
Means- Separately transformed into a unified distribution
• 主体-金融机构或其他违法组织
Main body- Financial institution or other illegal organizations
金融机构报告涉嫌恐怖融资可疑交易报告管理办法
Financial institutions report suspicious transactions report suspected terrorist financing
上或者外币等值10万美元以上的款项划转。
• Between bank accounts of natural persons, as well as natural persons and legal persons, other organizations and individual business bank account the same day
首先从金融机构发展的角度来诠释：
First, from the perspective of financial institutions in the development of interpretation
各金融机构开始由第一轮竞争逐步转向第二轮竞争
The financial institutions began to gradually shift from the first round of the competition in the second round of competition
Only with a large number of quality clients, enhance brand image and product innovation continue
我国目前的反洗钱工作处于初步发展走向逐步完善的阶段
在反洗钱工作中KYC可以让我们做到对优质客户的筛选， 让我们更加有针对性的为其提供量身定做的金融产品，提 供卓越的服务！
反洗钱监管制度解析 Analysis institution
洗钱：将犯罪的违法所得及其产生的收益，通过 各种手段掩饰、隐瞒其来源和性质，使其在形式 上合法化的行为。
Money Laundering :The crime of illegal income and gains , Through various means to cover up, conceal the source and nature of their behavior in the form of legalization.
反洗钱工作和创造价值的关系
Relationship between AML work and value
商业银行的反洗钱工作在初期并不是以创造价值为目的
Commercial banks not AML work to create value in the initial purpose
如何将反洗钱工作和创造价值联系在一起
反洗钱监管制度解析 Analysis institution
• 洗钱的基本特征
The basic characteristics of money laundering
• 对象-犯罪嫌疑人
Object- Suspect
• 目的-转化不法所得
Purpose- Conversion obtained illegally
Independent audit
完善的培训教育 Improved training and education
大额交易报告Large transaction reports
单笔或者当日累计人民币交易20万元以上或者外币交易等 值1万美元以上的现金缴存、现金支取、现金结售汇、现
钞兑换、现金汇款、现金票据解付及其他形式的现金收支。
下的树立起来。因此反洗钱工作同时也是以“风险控制为手段” 开展的。
AML work and guiding ideology to every employee from the top, top-down set up. So
anti-money laundering is also a "risk control as a means" to carry out.
客户是我们的“衣食父母” ，因此我们的反洗钱工作的本质是
以“客户为中心”展开的。
The essence of our anti-money laundering work with "customer-centric" launched.
反洗钱工作的意义和指导思想要从高层到每一位员工，自上而
金融反洗钱基本原理
The basic principles of financial anti-money laundering
金融反洗钱基本原理
The basic principles of financial anti-money laundering
反洗钱法律规定AML law
反洗钱法Anti-Money Laundering Law 金融机构反洗钱规定 AML regulations of financial institutions 金融机构大额交易和可疑交易报告管理办法
KYC in AML work allows us to do the screening for high-quality customers, let us provide more targeted financial products tailored to provide excellent service!
withdrawal, cash exchange settlement and sales, cash exchange, cash remittance,
cash bills for payment and other forms of cash income support
大额交易报告Large transaction reports
客户身份识别KYC
客户风险等级划分 Risk rating 身份识别 KYC
反洗钱非现场监管Off-site regulation
监管要求 Regulatory requirement 非现场评估标准 Evaluative criteria
反洗钱监管制度解析
Analysis institution
dollars in foreign currency more than the equivalent amount transferred.
大额交易报告Large transaction reports
自然人银行账户之间，以及自然人与法人、其他组织和个 体工商户银行账户之间单笔或者当日累计人民币50万元以
只有掌握大量优质客户，提升品牌形象，不断产品创新，加强优质 服务，提高企业形象才能在金融市场的第二轮竞争中立于不败之地！
to enhance services, improve the corporate image to the second round of competition in the financial market in an invincible position
• Single or daily total of RMB 200,000 Yuan or more transactions or foreign currency transactions of more than 10,000 U.S. dollars equivalent cash deposit, cash
第一轮竞争：大量吸引客户，提高市场占有率。
The first round of the competition: Attract customers, increase market share
第二轮竞争：提升服务，创造品牌价值。
The second round of the competition: To enhance services and create brand value
Fra Baidu bibliotek
FATF”４０+９”
反洗钱内控Internal control
内控制度的建设与完善是反洗钱工作最核心部分Construction
and improvement of internal control system is the core part of the AML
内部控的要求 Internal control requirements
法人、其他组织和个体工商户银行账户之间单笔或者当日 累计人民币200万元以上或者外币等值20万美元以上的款
项划转。
• Legal persons, other organizations and individual business bank account the same day between the single or accumulated more than 2 million yuan or 200,000 U.S.
反洗钱工作的提出
反洗钱对金融机构的意义
Significance of AML on financial institutions
缓解合规压力 Compliance pressures ease 规避外部风险 Avoid external risks 降低内部风险 Reduce internal risk 价值创造 Value Creation
完整机构、人员、资源的分工
Complete organization, personnel, resources and division of labor
合理的流程控制与操作规程
Reasonable process control and operational procedures
规范化合规管理 Standardized compliance 独立的审计
How to create value for the use of AML
我国目前的反洗钱工作处于初步发展走向逐步完 善的阶段
The current AML work in China at an early stage of development trend of gradual improvement
between the single or accumulated more than 500,000 Yuan or more than one
hundred thousand U.S. dollars in foreign currency equivalent of the amount transferred
欢迎大家参加此次 关于反洗钱知识的讲座
Welcome to take part in this lecture about AML knowledge
反洗钱监管制度解析 Analysis institution
培养反洗钱意识 Awareness Training 完善反洗钱内控制度建设 System construction
Regulations
金融机构客户身份识别和客户身份资料及交易记录保存管理办法
Customer identification and customer identification information and transaction record keeping management approach
我国目前的反洗钱工作处于初步发展走向逐步完 善的阶段
其次从反洗钱工作本身的角度出发：
Second, the work from the perspective of AML
如何提升服务，如何创造品牌价值？
How to improve service, how to create brand value
• 手段-分头转化，统一集散
Means- Separately transformed into a unified distribution
• 主体-金融机构或其他违法组织
Main body- Financial institution or other illegal organizations