2022年金融业反洗钱培训银行业阶段性考试答案-6

6.客户身份资料和交易记录涉及正在被反洗钱调查的可以交易活动，且反洗钱调查工作在规定的最低保存期届满时仍未结束的，金融机构应将其保存至反洗钱调查工作结束。

正确答案：对

CITF 学习笔记(6.1 Sale and purchase of goods within the EU customs union)

Some goods do remain controlled and may not be exchanged, even between EU members, without formality:(有些货物确实受到控制，即使在欧盟成员国之间，也不得在没有手续的情况下进行交换)

  1. Excise goods – alcoholic drinks, tobacco and hydrocarbons.(消费税商品 – 酒精饮料、烟草和碳氢化合物。)
  2.  Animals and food products controlled under the EU Common Agricultural Policy.(欧盟共同农业政策下控制的动物和食品。)
  3. Military equipment.(军事装备。)
  4. Explosives (including fireworks) and firearms.(爆炸物（包括烟花）和枪支。)
  5. Prohibited (banned) and controlled (permission required) drugs.(禁止（禁止）和控制（需要许可）药物。)

记忆：酒、动物、军、农、药

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CITF 学习笔记(5.4.3金融行动工作组的建议 FATF Recommendations)

在审查了洗钱者使用的技术和洗钱活动的趋势之后，金融行动工作组公布了载有40项建议的国际标准。这些建议最近一次更新是在2020年10月。
Following an examination of the techniques used by launderers and trends in money‑laundering activity, the FATF published international standards containing 40 recommendations. These recommendations were most recently updated in October 2020.

FATF的建议提出了各国应采取的全面和一致的措施框架，以打击洗钱和资助恐怖主义行为，以及资助大规模毁灭性武器扩散。各国拥有不同的法律、行政和业务框架以及不同的金融体系，因此不可能都采取相同的措施来应对这些威胁。
“The FATF Recommendations set out a comprehensive and consistent framework of measures which countries should implement in order to combat money laundering and terrorist financing, as well as the financing of proliferation of weapons of mass destruction. Countries have diverse legal, administrative and operational frameworks and different financial systems, and so cannot all take identical measures to counter these threats.” (FATF, 2020d)

“The FATF Recommendations set out the essential measures that countries should have in place to:

  • identify the risks, and develop policies and domestic co‑ordination;识别风险，制定政策和国内协调
  • pursue money laundering, terrorist financing and the financing of proliferation;追究洗钱、资助恐怖主义和资助扩散
  • apply preventive measures for the financial sector and other designated sectors;对金融部门和其他指定部门采取预防措施
  • establish powers and responsibilities for the competent authorities (eg investigative, law enforcement and supervisory authorities) and other institutional measures;确立主管当局（如调查、执法和监督当局）的权力和责任以及其他体制措施
  • enhance the transparency and availability of beneficial ownership information of legal persons and arrangements; 提高法人和安排的实益拥有权信息的透明度和可用性
  • facilitate international co‑operation.”促进国际合作
    (FATF, 2020d)

The 40 FATF Recommendations are grouped in the following categories:
a. anti‑money‑laundering/countering the financing of terrorism (CFT) policies and co‑ordination;反洗钱/打击资助恐怖主义（CFT）政策和协调
b. money laundering and confiscation;洗钱和没收
c. terrorist financing and financing of proliferation;资助恐怖主义和资助扩散
d. preventive measures;预防措施
e. transparency and beneficial ownership of legal persons and arrangements;法人和安排的透明度和实益拥有权
f. powers and responsibilities of competent authorities, and other institutional measures;主管当局的权力和责任以及其他体制措施
g. international co‑operation.主管当局的权力和责任以及其他体制措施
(FATF, 2020d)

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CITF 学习笔记(5.4.2 金融行动特别工作组Financial Action Task Force)

定义：金融行动特别工作组（FATF）是全球洗钱和恐怖主义融资监管机构。该政府间机构制定国际标准，旨在防止这些非法活动及其对社会造成的危害。作为一个决策机构，FATF致力于产生必要的政治意愿，以便在这些领域进行国家立法和监管改革。
“The Financial Action Task Force (FATF) is the global money laundering and terrorist financing watchdog. The inter-governmental body sets international standards that aim to prevent these illegal activities and the harm they cause to society. As a policy-making body, the FATF works to generate the necessary political will to bring about national legislative and regulatory reforms in these areas.” (FATF, 2020b)

FATF制定了一系列建议，这些建议”构成了协调应对 [. . .] 对金融体系完整性的威胁的基础，并有助于确保公平的竞争环境。FATF建议于1990年首次发布，分别于1996年、2001年、2003年和最近一次于2012年进行了修订，以确保这些建议保持[最新]和相关性，并旨在普遍适用。
The FATF developed a series of recommendations that “form the basis for a co‑ordinated response to [. . .] threats to the integrity of the financial system and help ensure a level playing field. First issued in 1990, the FATF Recommendations were revised in 1996, 2001, 2003 and most recently in 2012 to ensure that they remain [current] and relevant, and they are intended to be of universal application” (The Wolfsberg Group, ICC and BAFT, 2019).

FATF监测其成员在实施必要措施方面的进展，审查洗钱和恐怖主义融资技术和对策，并促进全球采取和实施适当措施。FATF与其他国际利益攸关方合作，致力于识别国家层面的薄弱环节，以保护国际金融体系不被滥用。
“The FATF monitors the progress of its members in implementing necessary measures, reviews money laundering and terrorist financing techniques and counter‑measures, and promotes the adoption and implementation of appropriate measures globally. In collaboration with other international stakeholders, the FATF works to identify national‑level vulnerabilities with the aim of protecting the international financial system from misuse.” (John et al., 2014)

在撰写本文时（2021年3月），FATF有39名成员，其中37个是司法管辖区，两个是欧盟委员会和海湾合作委员会，是区域组织。此外，还有一些国际和区域组织是反洗钱金融行动工作组的联系成员、观察员国家和观察员组织，它们参加了金融行动工作组的工作。此外，FATF拥有FATF式区域机构网络，创建了一个由205个司法管辖区组成的全球网络。FATF总部设在巴黎经济合作与发展组织。
At the time of writing (March 2021), the FATF had 39 members of which 37 are jurisdictions and two, the European Commission and Gulf Co‑operation Council, are regional organisations. In addition, there are international and regional organisations that are associate members, observer countries and observer organisations of the FATF that participate in its work. In addition, the FATF has a network of FATF‑style regional bodies (FSRBs), creating a global network of 205 jurisdictions. The FATF headquarters is housed at the Organisation for Economic Co‑operation and Development in Paris.

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