5.2.3 恐怖主义融资Terrorist financing
然而，对恐怖主义没有单一的定义，因为金融行动工作组的定义包括”为对平民或对武装冲突局势中未积极参与敌对行动的任何其他人造成死亡或严重身体伤害而进行的有关意图的未指明行为，其目的是恐吓民众， 或政府或国际组织的强制行动
There is no single definition of terrorism, however, as a catch‑all the FATF definition includes“unspecified acts carried out with the relevant intention to cause death or serious bodily injury to a civilian, or to any other person not taking an active part in the hostilities in a situation of armed conflict with the purpose of intimidating a population, or compelling action by a government or an international organisation” (FATF, 2016).
影响：Implications of terrorist financing
任何参与恐怖主义融资的银行的声誉风险都可能是巨大的。其影响不仅仅是财务和声誉，而且可能是人类毁灭性的。
The reputational risk to any bank that becomes involved in terrorist financing is potentially huge.The implications are not just financial and reputational but may be devastating in human terms.
洗钱与恐怖主义融资之间的**相似之处**
Similarities between money laundering and terrorist financing
There are common features between money laundering and terrorist financing.
1.用于支持恐怖主义的资金的目的地必须以与洗钱资金来源相同的方式进行伪装。
The destination of money used to support terrorism has to be disguised in the same way as the source of laundered funds.
2.这两项活动都涉及金融部门。
Both activities involve the financial sector.
即使恐怖活动的资金来源是合法的，恐怖分子也常常试图掩盖这种资金来源，以保全未来的资金来源。所使用的许多技术将与用于掩盖犯罪收益来源的技术相同。
Even if the source of funding for terrorist activity is legitimate, terrorists will often attempt to disguise it in order to preserve future funding. Many of the techniques used will be the same as techniques used to disguise the sources of the proceeds of crime.
对于目前合法来源但将来用于恐怖主义行为提供资金的资产，银行在查明时也面临困难。
Banks also face difficulties in identifying assets that are derived from legitimate sources but are destined to fund future acts of terrorism.
预防-Prevention
防止洗钱和恐怖主义融资的关键是在关系开始时和持续的基础上采用强有力的客户尽职调查（CDD）程序（见第5.4.5节）。
The key to preventing both money laundering and terrorist financing is the adoption of robust customer due diligence (CDD) procedures, both at the commencement of a relationship and on a continuing basis (see section 5.4.5).
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