2024年，中国人民银行等金融监管机构联合发布了《反洗钱特别预防措施管理办法》（以下简称《办法》），旨在进一步强化对高风险客户和特定业务的反洗钱监管。该《办法》明确了金融机构在识别、评估、监测和应对洗钱及恐怖融资风险时应采取的特别预防措施，尤其聚焦于政治公众人物（PEPs）、跨境交易、虚拟资产服务提供商等高风险领域。《办法》要求金融机构建立更严格的客户尽职调查（CDD）程序，对高风险客户实施强化尽职调查（EDD），并加强交易监控与可疑交易报告机制。此外，《办法》还强调了信息共享与跨部门协作的重要性，以提升整体反洗钱体系的协同效率。该《办法》的出台，标志着我国反洗钱监管体系正向国际标准靠拢，有助于提升金融系统的透明度与安全性，防范系统性金融风险。
In 2024, China’s People’s Bank of China and other financial regulators jointly issued the ‘Administrative Measures for Special Anti-Money Laundering Preventive Measures’ (hereinafter referred to as the ‘Measures’) to strengthen anti-money laundering (AML) oversight of high-risk clients and specific business activities. The Measures specify enhanced preventive actions that financial institutions must take when identifying, assessing, monitoring, and mitigating money laundering and terrorist financing risks—particularly concerning politically exposed persons (PEPs), cross-border transactions, and virtual asset service providers. Financial institutions are now required to implement stricter customer due diligence (CDD) procedures, apply enhanced due diligence (EDD) for high-risk clients, and reinforce transaction monitoring and suspicious activity reporting mechanisms. Additionally, the Measures emphasize the importance of information sharing and inter-agency collaboration to improve the overall effectiveness of China’s AML framework. This regulatory update reflects China’s ongoing alignment with international AML standards and aims to enhance transparency, security, and systemic resilience within the financial sector.
原创文章，作者：admin，如若转载，请注明出处：https://ktez.cn/15856.html