反洗钱隐名代理识别的监管路径——基于对隐名代理案件的实务分析  

Regulatory Paths for Identifying Anonymous Agencies in Anti-Money Laundering Effort

作　　者：傅福兴 朱力 

机构地区：[1]华泰期货有限公司金融产品部 [2]深圳证券交易所

出　　处：《金融市场研究》2022年第3期115-128,共14页Financial Market Research

摘　　要：客户身份识别是反洗钱的基石,其中隐名代理关系的识别将直接影响客户对象范围的确认。目前我国反洗钱规则尚未明确金融机构识别隐名代理的标准,如何认定金融机构已经尽职履行确认隐名代理关系的义务是监管实践中的难题。通过解构最高人民法院的审判案例,反洗钱规则可从语义、对象范围、时间节点、途径方式等方面界定隐名代理客户识别的监管路径。借鉴司法实践的经验将为反洗钱隐名代理识别的监管问题提供解决方案,有助于切实提高反洗钱工作的合规性和有效性,最终实现反洗钱监管的闭环控制。Customer identification is the cornerstone of anti-money laundering efforts, and the identification of anonymous agency relationship is critical in this respect. At present, China’s anti-money laundering rules have not yet defined the standard for financial institutions to identify undisclosed agents.An analysis of trial cases before the Supreme People’s Court can be helpful in determining how anti-money laundering rules can define the supervisory path for identifying undisclosed agent clients. The experience of judicial practice will provide a solution to the problem of anti-money laundering, which will help to improve the compliance and effectiveness of preventing money laundering.

关 键 词：反洗钱 隐名代理 客户身份识别 行政监管 

分 类 号：D922.281[政治法律—经济法学] F832.2[政治法律—法学]