【正文】 the investment objectives 投資目標(biāo) the financial situation and personal circumstances 經(jīng)濟(jì)狀況和個(gè)人情況 the client‘s risk appetite 客戶的風(fēng)險(xiǎn)喜好 Also the client must be able to take an informed decision and therefore must be given sufficient information on: 客戶還需能夠做出明達(dá)的決定，因此，必須給其足夠的如下方面的信息： product characteristics including risk profile, pricing and costs 產(chǎn)品特征，包括風(fēng)險(xiǎn)概況、定價(jià)和成本 All information provided must be fair, clear and not misleading. 提供的所有信息需公正、明晰、不具誤導(dǎo)性 Is this advice? 這是建議嗎？ We have a number of market protection structured products. These can give the upside potential without the downside risk. Shall I send some term sheets through? 我們有一些保護(hù)收益的結(jié)構(gòu)性理財(cái)產(chǎn)品。 Terrorist Financing 洗錢及恐怖分子籌資的其他來源舉例 ? Drugs 毒品 ? Prostitution 賣淫 ? Illegal Workers (Human trafficking) 非法勞工（販賣人口） ? Fraud 欺騙 ? Theft 偷竊 ? Smuggling goods and/or arms 走私商品 /武器 ? Tax Fraud 稅務(wù)行騙 ? Counterfeiting Currency 偽鈔 ? Kidnapping 綁架 ? Extortion 敲詐勒索 ? Illegal Gambling 非法賭博 ? Environmental Crimes 環(huán)境犯罪 Sanctions 制裁 ? Two major financial markets, the EU and the US, apply economic sanctions in certain cases against particular countries to support their foreign policy objectives. 在某些情況下，歐盟和美國兩大金融市場對(duì)特定國家實(shí)施經(jīng)濟(jì)制裁來支持其外交政策 ? Violating EU or US sanction laws can put a bank‘s customers at risk of inplete transactions, frozen assets or criminal and civil penalties and expose our bank / employees to liability. 違反歐盟或美國的制裁法會(huì)將一家銀行的客戶置于不完全交易、凍結(jié)資產(chǎn)或者刑事和民事處罰的風(fēng)險(xiǎn)之中，使銀行 /雇員承受債務(wù) ? Particular vigilance is needed when a transaction contains a so called CSI (Cuban Sudanese or Iranian) element. 當(dāng)一個(gè)交易牽涉所謂的 CSI（古巴、蘇丹或伊朗）時(shí)，需要特別警惕 ? Vigilance is also needed when dealing with Myanmar. 和緬甸打交道時(shí)也要非常注意 Transaction Surveillance 交易監(jiān)控 ?Transaction filtering ?交易過濾 – Filter pretransaction crossborder activity to ply with OFAC, EU and other Sanctions (immediate action to prevent transactions from being processed) – 濾除交易前的跨國活動(dòng)以遵守外國資產(chǎn)管制處、歐盟及其他制裁（防止交易被處理的立即行動(dòng)） ?Transaction monitoring ?交易監(jiān)測 – Monitor posttransaction activity to detect unusual behaviour which requires further analysis (observation and investigation after transactions happen)。 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。 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。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