目录
第一章 概述...............................................................................................1
1.背景..................................................................................................1
2.应用..................................................................................................3
3.反洗钱监管体系 .............................................................................4
3.1 监管制度 .............................................................................4
3.2 反洗钱主管部门 .................................................................5
3.3 国务院有关金融监督管理机构 .........................................6
3.4 中国反洗钱监测分析中心 .................................................6
3.5 自律管理 .............................................................................6
4.适用范围..........................................................................................7
4.1 机构范围 .............................................................................7
4.2 风险类别 .............................................................................8
5.政策概览..........................................................................................9
6.基本目标........................................................................................10
7.基本原则........................................................................................10
7.1 风险为本原则 ...................................................................10
7.2 全覆盖原则 .......................................................................10
7.3 独立性原则 .......................................................................11
7.4 匹配性原则 .......................................................................11
7.5 有效性原则 .......................................................................11
7.6 严格合规原则 ...................................................................11
7.7 勤勉尽责原则 ...................................................................12
8.文化建设........................................................................................12
9.基本要素........................................................................................13
第二章 管理架构 ....................................................................................14
10.基本要求 .....................................................................................14
11.反洗钱职责..................................................................................14
11.1 职责权限..........................................................................14
11.2 反洗钱岗位......................................................................14
11.3 人员管理..........................................................................15
12.董事会职责 .................................................................................16
13.监事会职责 .................................................................................17
14.高级管理层职责 .........................................................................17
14.1 反洗钱负责人 .................................................................18
14.2 反洗钱工作领导小组 .....................................................19
15.内部组织架构 .............................................................................20
15.1 事业部制或类事业部制下的反洗钱风控.....................32
16.反洗钱管理部门（含次级的反洗钱管理部门、专业团队）职责
.......................................................................................................21
17.业务部门 .....................................................................................23
18.运营部门职责 .............................................................................25
19.内控审计部门职责 .....................................................................25
20.法务部门职责 .............................................................................26
21.人力资源部门职责 .....................................................................26
22.战略投资部门职责 .....................................................................26
23.技术部门职责 .............................................................................26
24.数据部门职责 .............................................................................27
25.政府关系（公共事务）部门职责 .............................................27
26.会计部门职责 .............................................................................27
27.分支机构和相关附属单位管理 .................................................28
28.金融控股公司（集团）管理 .....................................................28
第三章 管理策略 ....................................................................................29
29.策略管理 .....................................................................................29
29.1 风险管理目标偏离 .........................................................29
29.2 协同性 .............................................................................30
29.3 数据化 .............................................................................30
第四章 管理政策和程序 ........................................................................31
30.政策路径 .....................................................................................31
31.主要内容 .....................................................................................31
32.评估规则 .....................................................................................32
32.1 评估方法 ..........................................................................32
32.2 评估维度 ..........................................................................33
33.数据信息源 .................................................................................33
34.评估频率 .....................................................................................34
第五章 管理计划 ....................................................................................36
35.总体要求 .....................................................................................36
36.报告制度 .....................................................................................36
37.应急计划 .....................................................................................36
37.1 重大风险情况 .................................................................37
37.2 重大风险 .........................................................................37
38.应对措施 .....................................................................................39
第六章 信息系统与数据治理 ................................................................40
39.基本要求 .....................................................................................40
40.系统功能 .....................................................................................40
41.系统建设 .....................................................................................41
第七章 检查、绩效考核与奖励机制 ....................................................42
42.内部审计 .....................................................................................42
43.反洗钱合规检查 .........................................................................42
44.接受有权机关的监管、调查 .....................................................43
45.绩效考核和奖惩机制 .................................................................43
第八章 培训教育 ....................................................................................45
46.培训..............................................................................................45
47.宣传..............................................................................................45
第九章 客户身份识别制度 ....................................................................46
48.基本要求 .....................................................................................46
49.制度规范 .....................................................................................46
第十章 大额交易和可疑交易报告制度 ................................................48
50.基本要求 .....................................................................................48
51.监测分析策略 .............................................................................48
51.1 监测单位 .........................................................................48
51.2 监测范围 .........................................................................48
51.3 风险维度 .........................................................................49
51.4 合规性 .............................................................................49
52.大额交易 .....................................................................................49
53.可疑交易 .....................................................................................49
54.名单监测 .....................................................................................50
55.后续风险控制措施 .....................................................................50
第十一章 身份资料和交易记录保存制度 ............................................52
56.基本要求 .....................................................................................52
57.保存范围 .....................................................................................52
58.保存标准 .....................................................................................53
58.1 客户身份资料 .................................................................53
58.2 交易记录保存 .................................................................53
59.保存期限 .....................................................................................53
60.保存方式 .....................................................................................54
第十二章 保密制度 ................................................................................55
61.基本要求 .....................................................................................55
62.保密范围 .....................................................................................55
63.涉及跨境事项的保密要求 .........................................................56
64.管理措施 .....................................................................................56
第十三章 附则.........................................................................................58