【正文】 ? 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。 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。 Acceptance of gifts 禮品接受 ? Gifts or legacies must not be accepted from customers or 。 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)。 ? Taking advantage of information that an employee gets in the performance of his or her duties in a bank for personal gain is unacceptable. 銀行員工利用職務(wù)之便獲取私利是違法行為。他們能保持成長潛力，而沒有下跌風(fēng)險。 more subjective – 監(jiān)測交易后的活動以發(fā)現(xiàn)需要進(jìn)一步分析的異常行為（交易發(fā)生后的觀察與調(diào)查）；更主觀 II. Dealing with Customers 與客戶打交道 ? Confidentiality 機(jī)密性 ? Client Classification 客戶分類 ? Suitability of Advice 建議的適宜性 ? Appropriateness 適當(dāng) ? Marketing Communication 營銷溝通 ? Record Keeping 檔案保管 Confidentiality 機(jī)密性 What information is confidential? 哪些信息是機(jī)密的？ ? All information related to a bank that has not been made public (including internal memos, policies, credit applications, employee and supplier data) 所有與銀行相關(guān)的未公開的信息（包括內(nèi)部備忘錄、政策、員工及供應(yīng)商資料） ? All nonpublic information about existing and prospective clients 所有有關(guān)現(xiàn)有和潛在客戶的非公開信息 Confidentiality and mon sense 機(jī)密性與常識 ? Be careful with confidential documents in public places (same applies to laptops) ? 公共場合注意機(jī)密文檔的處理（同樣適用于筆記本電腦） ? Be careful with conversations while in the presence of others (also on mobile phones) ? 有他人在場時（手機(jī)接聽電話時）注意談話內(nèi)容的保密 ? Clear your desk at the end of your working day of any sensitive documents ? 工作日結(jié)束時注意清理桌面上的任何機(jī)密文檔 ? Never share your userid and password with others ? 不要和他人共用你的用戶名和密碼 ? MiFID: Markets in Financial Instruments Directive: – Stringent NEW rules imposed on all Financial Institutions dealing with Customers and Markets in all EEA countries (EU + Norway, Liechtenstein and Iceland) ? MiFID: 金融工具市場法規(guī)： 對所有 EEA國家（歐盟 +挪威、列支敦士登、冰島）中與客戶和市場打交道的金融機(jī)構(gòu)施加的嚴(yán)格的新規(guī)則 BIG BANG! 大爆炸！ November 2022 2022年 11月 MiFID MiFID MiFID highest impact areas for ABN AMRO MiFID對荷蘭銀行施加的最高影響領(lǐng)域 Client Classification: Determines the clients level of investment protection. 客戶分類：決定投資保護(hù)的客戶水平 Best Execution: Getting the client the best result which could be a bination of price/cost/speed of execution, etc… 最佳執(zhí)行：為客戶獲得最佳結(jié)果，可能是價格、成本、執(zhí)行速度等的組合 Marketing and Communication: Must be clear, fair and not misleading. 營銷與溝通：必須清楚、公正、不具誤導(dǎo)性 Appropriateness: (Non advised Services) Making sure (by carefully recording) that the client understands the products and the related risks 適當(dāng)性：（非咨詢的服務(wù)）（通過仔細(xì)記錄）確?？蛻裘靼桩a(chǎn)品及相關(guān)風(fēng)險 Suitability: Advise the client‘ what suits the clients best interests given their: 適宜性：向客戶建議什么是最適合他們的最佳利益的，依據(jù)： – Investment purpose 投資目的 – Assets 資產(chǎn) – Ine 收入 – Risk appetite 風(fēng)險喜好 MiFID Classification: What types of clients do we deal with? And why is it important to classify them? MiFID分類：我們與哪些類型的客戶打交道？為什么客戶分類很重要 Size and experience 規(guī)模和經(jīng)驗 Level of Protection 保護(hù)水平 Large Companies 大公司 Small Companies 小公司 Regulated Firms 規(guī)管公司 Individuals 個人 Retail零售 Professional專業(yè) Eligible counterparty 符合條件的對手 Terminology 術(shù)語 Suitability適宜度 Appropriateness合適度 Non Advised Services 非咨詢服務(wù) Advisory Services 咨詢服務(wù) Does each transaction meet the client’s objectives and risk profile? 每次交易都達(dá)到了客戶的目標(biāo)和風(fēng)險概況了嗎？ Does the client understand the risks of the products being sold? 客戶明白出售的產(chǎn)品的風(fēng)險嗎？ Appropriateness – Information required 合適度 – 信息必須的 Appropriateness合適度 Non Advised Services 非咨詢服務(wù) Suitability 適宜度 Advisory Discretionary 咨詢酌情考慮 ? Owed to ?Professional‘ and ?Retail‘ clients 歸功于專業(yè)和零售客戶 ? Assess: 評估： – Knowledge and experience 知識與經(jīng)驗 ? Can be assumed for professional clients but only in relation to those products/services or transactions for which we have classified them as professionals (unless you understand the risks). ? 可以推測專業(yè)客戶的知識與經(jīng)驗，但是僅在有關(guān)產(chǎn)品 /服務(wù)或者交易的方面 What if it is not appropriate and the client insists? 如果不合適而客戶卻堅持己見，怎么辦？ Ca