【正文】 rance of insider trading must also be avoided. 必須避免內(nèi)幕交易的現(xiàn)象。 Disclosure and transparency 信息披露和透明度 ? All securities accounts of staff and their connected parties must be disclosed. ?所有員工及關(guān)聯(lián)方的證券賬戶信息必須披露。 ? A bank must be able to monitor transactions against submitted requests for approval. ?銀行必須能夠按照提交的審批需求對交易進行監(jiān)督。 PreApproval, Minimum Holding Period, Restricted Trading Lists 事先批準(zhǔn)，最短持有期，限制交易名單 ? Staff Members and connected parties must ask preapproval from their linemanager and / or Compliance departments. 員工及其關(guān)聯(lián)方必須得到直線經(jīng)理 /合規(guī)部門的事先批準(zhǔn)。 ? Transactions may only be reversed after 28 days have elapsed (28 day holding period). 超過 28天方可進行回購。（ 28天持有期） ? Mutual funds are not bound to the 28 day holding period but intraday trading (24 hours) is never permitted ? 共同基金不受 28天持有期的限制，但嚴(yán)禁日間（ 24小時）交易。 ? There can be trading done in securities on restricted trading lists 列入限制交易名單里的證券交易也可以進行。 Acceptance of gifts 禮品接受 ? Gifts or legacies must not be accepted from customers or 。 ? Excessive or abnormal entertainment must also be viewed in this light.禁止超?；蚍钦Ｕ写顒?。 If a gift can not be refused or returned, it may be accepted provided that it is: 如果禮品無法拒收或退還，在下列情況下可以接收： ? not in the form of cash非現(xiàn)金形式 ? not given in the expectation of a payback 無獲取回報的目的 ? of nominal value only僅有票面價值 Gift Policy 禮品政策 Presentation of gifts 禮品贈送 ? Gifts to customers, suppliers, government officials or intermediaries must not be presented as a way of gaining economic or political advantage. ? 不能為獲取經(jīng)濟利益或政治利益而向客戶、供應(yīng)商、政府官員或中介機構(gòu)贈送禮物。 As an exception, gifts of nominal value may be presented: 例外情況：具有票面價值的禮品可以作為 ? as a courtesy 禮尚往來 ? for promotional purposes 宣傳用途 ? special occasions where a ―Bank‖ gift may be appropriate 特殊場合，“銀行”禮物比較適合的情況下 贈送。 Gift Policy 禮品政策 (Continued)（續(xù)） Bribery 行賄 ? Bribery is defined as: 行賄的定義是 ? offering 送禮 ? suggesting 行賄暗示 ? paying 給予他人財物 ? or authorising 或授權(quán)他人從事上述行為 ? a payment to someone for their or another‘s personal gain with the intention either to motivate active or passive deviation from a duty or to secure the performance of a duty. 行賄是指出于讓他人履行職責(zé)或使他人主動或被動違背職守的目的，以謀取個人不正當(dāng)利益而給予他人財物的行為。 Corruption 腐敗 Effects of Corruption on Business 腐敗對商業(yè)活動的影響 1. Causes damage to reputation, which, in turn, causes loss of confidence in the market 損害企業(yè)形象，從而導(dǎo)致市場信心下降 2. Increases uncertainty in business 不確定因素增多 3. Increases costs 成本升高 4. Hampers international trade 阻礙國際貿(mào)易 5. Reduces investment投資減少 Whistleblowing Policy 檢舉政策 What this policy does? 此政策的目的？ Ensure that all staff can whistleblow (even anonymously), on (suspected) criminal or uhical conduct 確保所有員工可檢舉（即使是匿名檢舉）（嫌疑）犯罪人員或不道德行為。 How? 具體方式？ – by encouraging staff to make disclosure of criminal or uhical conduct 鼓勵員工揭發(fā)犯罪行為或不道德行為 – by providing the means for staff to make those disclosures (private addresses and phone numbers) 為員工提供檢舉的途徑（秘密郵件地址和電話號碼） – by ensuring that disclosures will be treated with discretion and utmost confidentiality 保證檢舉材料得到謹(jǐn)慎和機密的處理 – by explicitly protecting the individual who makes a disclosure in good faith 明確保護進行正義檢舉的個人 Employees should notify Compliance when they: 下列情況下，員工應(yīng)注意合規(guī)問題： Are connected with a transaction where you have reasonable grounds to suspect that the counterparty and/or client is engaged in insider dealing or price manipulation. 涉及某交易，該交易中，你有充足理由懷疑對方和 /或客戶涉嫌內(nèi)部交易或價格操縱。 ? Suspect transactions to involve money laundering and/or financial crime懷疑涉嫌洗錢和 /或金融犯罪的交易 ? Suspect incorrect pricing of positions – . mismarking. 疑為頭寸定價錯誤 —如計價錯誤 ? Suspect false or misleading valuations to customers, etc. 懷疑向顧客傳遞了錯誤或誤導(dǎo)的評估信息 ? Are aware of trading limits being deliberately exceeded. 知道超出交易額度是蓄意而為 ? Are aware of activities intended to mislead the Bank, our customers, or the regulators. 了解某些故意誤導(dǎo)銀行、客戶或監(jiān)管方的行為 ? Find your position conflicted or are faced with a potential conflict of interest. 發(fā)現(xiàn)你的崗位有利益沖突或面臨潛在的利益沖突 ? See any gift, or proposed gift, is given to a government or regulatory official or employee who is either directly or indirectly associated with the Bank‘s business. 發(fā)現(xiàn)向政府、監(jiān)管工作人員或與銀行業(yè)務(wù)有直接或間接聯(lián)系的員工送禮的行為或送禮的企圖 ? See a significant plaint made by a client and it has not been dealt with to the satisfaction of the client. 目睹客戶的重大抱怨沒有得到滿意的處理。 ? Are in receipt of inside information which is not in accordance with the Bank‘s policies and procedures 收到不符合銀行政策及程序的內(nèi)幕消息 ? Are aware of a breach of the Personal Account Dealing rules. 知道違反個人賬戶交易規(guī)則的行為。 Employees are expected to notify Compliance when they: (continued…) 下列情況下，員工應(yīng)注意合規(guī)問題 ：（續(xù)）