風(fēng)險(xiǎn)管理與合規(guī)ppt課件(已修改)
2025-01-22 23:36 本頁面
【正文】 Risk Management and Regulatory Compliance 風(fēng)險(xiǎn)管理與合規(guī) Asia Pacific Finance and Development Center 亞太財(cái)經(jīng)與發(fā)展中心 World Bank Institute 世界銀行學(xué)院 Alex Vanderpol June 19, 2022 Compliance advises on pliance risk 合規(guī)對(duì)合規(guī)風(fēng)險(xiǎn)提出建議 Compliance risk is the risk of: legal or regulatory sanctions, material financial loss, or harm to reputation that a bank may suffer as a result of its failure to ply with relevant laws, regulations, principles and rules, standards and codes of conduct applicable to its activities, in letter and in spirit. 合規(guī)風(fēng)險(xiǎn)是指， 由于未遵照適用于公司活動(dòng)的相關(guān)法律、法規(guī)、原則、法則、行為規(guī)范與準(zhǔn)則，公司可能會(huì)遭受 法律或法規(guī)的制裁，物質(zhì)上的財(cái)務(wù)損失，或者使聲譽(yù)受損的風(fēng)險(xiǎn) 。 Provide advisory and objective support 提供咨詢和客觀支持 ? Align with the business and help provide independent view and advice on the execution of strategy and on casespecific issues 根據(jù)公司業(yè)務(wù)，提供有關(guān)戰(zhàn)略執(zhí)行和具體案例方面的獨(dú)立觀點(diǎn)和建議 ? Understand strategy and business and apply this understanding in its riskbased approach to ensure that proportionate measures are taken to pliance issues and risk 理解公司戰(zhàn)略和業(yè)務(wù)，并將這一理解應(yīng)用于基于風(fēng)險(xiǎn)的方法，以此確保對(duì)合規(guī)問題和合規(guī)風(fēng)險(xiǎn)已采取了適當(dāng)?shù)拇胧? Implement business specific laws and regulations 實(shí)施與業(yè)務(wù)相關(guān)的法律法規(guī) ? Provide guidance and support on issues related to laws and regulations 對(duì)與法律法規(guī)相關(guān)的問題提供指導(dǎo)與支持 ? Monitor the execution of initiatives and ensure all activities are pliant with relevant policies and procedures 監(jiān)控倡議的執(zhí)行情況，確保所有活動(dòng)都遵照相關(guān)政策和程序 Assist management in managing risk to the business 協(xié)助管理層管理業(yè)務(wù)風(fēng)險(xiǎn) ? Assist Management in identifying, measuring and mitigating pliance related risk 協(xié)助管理層發(fā)現(xiàn)、測(cè)量并減少合規(guī)風(fēng)險(xiǎn) ? Partner with the business in monitoring level of risks to help achieve successful implementation of strategic initiatives 和業(yè)務(wù)一起監(jiān)控風(fēng)險(xiǎn)水平，幫助公司成功實(shí)施戰(zhàn)略倡議 Compliance provides a central role in monitoring delivery and minimising risk 合規(guī)在監(jiān)控公司行為和使風(fēng)險(xiǎn)最小化上扮演著重要作用 ? Business is firstly responsible 業(yè)務(wù)部應(yīng)負(fù)首要責(zé)任 ? Compliance is intended for support 合規(guī)意在為公司運(yùn)營提供支持 Who is responsible for Compliance 誰該負(fù)責(zé)合規(guī)工作？ Key Compliance Areas: 關(guān)鍵的合規(guī)領(lǐng)域： III. Market Conduct 市場(chǎng)行為 I. Client Acceptance and AntiMoney Laundering Policy 客戶接受度與反洗錢政策 (CAAML) II. Dealing with Customers 與客戶打交道 ? Client Acceptance and AntiMoney Laundering 客戶接受度與反洗錢 ? Sanctions 制裁 ? Conflicts of Interest 利益沖突 ? Chinese Walls 中國墻 ? Market Abuse 市場(chǎng)濫用 IV. Other Compliance topics 其他合規(guī)話題 ? Personal Account Dealing Policy 個(gè)人賬戶處理政策 ? Gift Policy/ Bribery and Corruption 送禮政策 /賄賂與腐敗 ? Whistleblowing 揭發(fā) ? When you need to Notify Compliance 何時(shí)需注意合規(guī) ? Confidentiality 機(jī)密性 ? Communication amp。 Marketing 溝通與營銷 ? Client Classification 客戶分類 ? Suitability 適宜 ? Appropriateness 得當(dāng) ? Record keeping 檔案保管 I. Client Acceptance and AntiMoney Laundering (CAAML) Policy 客戶接受度與反洗錢政策 ? KYC Know Your Customer 了解你的客戶 ? Client Acceptance/Due Diligence 客戶接受度 /盡職調(diào)查 ? Money Laundering amp。 Terrorist Financing 洗錢與恐怖份子籌資活動(dòng) ? Sanction 制裁 AML RISK 反洗錢風(fēng)險(xiǎn) ? Geography 地域 ? Industry 行業(yè) ? Product 產(chǎn)品 Client life Cycle 客戶的生命周期 Exit? 退出？ 2 3 1 Initial Risk Assessment: Client Acceptance And Know Your Customer 初始風(fēng)險(xiǎn)評(píng)估：客戶接受度，了解你的客戶 Ongoing Risk Assessment:進(jìn)行中的風(fēng)險(xiǎn)評(píng)估： AntiMoney Laundering CAAML/Sanctions反洗錢 /制裁 Periodical Risk Reassessment (or change in client profile / incidental) 定期風(fēng)險(xiǎn)再評(píng)估（或客戶情況 /附帶事件的變化） 交易監(jiān)測(cè) 風(fēng)險(xiǎn)評(píng)估 核實(shí) 識(shí)別 風(fēng)險(xiǎn)再評(píng)估 關(guān)系考察 Know Your Customer: 了解你的客戶： ? Customer Identification allows the bank to have confidence in the integrity of the persons with whom they transact business ? 客戶鑒別使得銀行能相信與他們進(jìn)行交易的人的誠信度 – Requires employees to obtain information identifying their customers 要求員工獲取鑒別客戶的信息 – Requires employees to verify that customers are who they say they are 要求員工核實(shí)客戶資料的可靠度 ? These responsibilities continue throughout the life of our relationship with a customer and apply to every transaction ? 這些職責(zé)貫穿于我們與客戶打交道的整個(gè)過程，適用于每次交易 Money Laundering amp。 Terrorist Financing 洗錢及恐怖分子籌資活動(dòng) “Money Laundering” is the introduction of illegally gained assets into the legal financial system with the aim of concealing or disguising their true origin. “洗錢”是將非法獲得的資產(chǎn)融入合法的金融體系中，目的在于隱瞞或者掩飾它們的真實(shí)來源。 Money Laundering generally takes place in 3 steps: 洗錢活動(dòng)一般分三步進(jìn)行： Placement 放置 ―the introduction of illegally gained assets into the legal financial system with the aim of concealing or disguising th
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