【正文】 第十二條 2009年1月1日以前發(fā)生的業(yè)務(wù)，也按此辦法進(jìn)行客戶風(fēng)險等級的劃分和管理?？蛻麸L(fēng)險轉(zhuǎn)換（一）客戶風(fēng)險轉(zhuǎn)換原則為“由低向高原則”。 第九條 針對普通級風(fēng)險客戶，須認(rèn)真分析、審核和判斷反洗錢系統(tǒng)自動提取的可疑交易信息是否符合可疑交易判定標(biāo)準(zhǔn)。第五條 普通級風(fēng)險客戶除特殊級風(fēng)險客戶以外，發(fā)生過大額交易或可疑交易的其他客戶。特此通知附件：新華人壽保險股份有限公司客戶風(fēng)險等級劃分及管理辦法二○○九年二月四日附件：新華人壽保險股份有限公司客戶風(fēng)險等級劃分及管理辦法第一章 總則第一條 為落實《中華人民共和國反洗錢法》和國家監(jiān)管機關(guān)下發(fā)的《中國人民銀行關(guān)于進(jìn)一步加強金融機構(gòu)反洗錢工作的通知》，進(jìn)一步預(yù)防洗錢和恐怖融資活動，按照“合規(guī)為先”的理念，加強風(fēng)險客戶管理，提高反洗錢工作的針對性和有效性，特制定本規(guī)定。 （三）特殊級風(fēng)險客戶暫不向普通級風(fēng)險客戶和一般客戶轉(zhuǎn)換，普通級風(fēng)險客戶也不向一般客戶轉(zhuǎn)換。第十二條 對符合客戶身份識別要求的客戶，須嚴(yán)格按法律、法規(guī)要求，做好客戶身份識別及客戶身份資料保存工作。第十條 針對特殊級風(fēng)險客戶，嚴(yán)格按《客戶身份識別與交易記錄保存管理規(guī)定》（新保核[2007]6號）要求，做好客戶身份識別和客戶身份資料及交易記錄保存工作，并采取合理措施了解其資金來源和用途，至少每半年做一次客戶基本信息審核。第六條 普通級風(fēng)險客戶除特殊級風(fēng)險客戶以外，發(fā)生過大額交易或可疑交易的其他客戶，為公司普通級風(fēng)險客戶。第二章 客戶風(fēng)險等級和劃分標(biāo)準(zhǔn)第三條 從反洗錢工作角度出發(fā)，將公司客戶分為不可接受客戶、特殊級風(fēng)險客戶、普通級風(fēng)險客戶和一般客戶。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