“非居民”客户洗钱风险管理问题探析  

Analysis on Money Laundering Risk Management of"Non-resident"Customers

作　　者：于畅 YU Chang

机构地区：[1]中国人民银行长春中心支行,吉林长春130051

出　　处：《吉林金融研究》2022年第11期67-69,共3页Journal of Jilin Financial Research

摘　　要：针对不同客户采取差异化的客户尽职调查和风险管控措施,是新形势下洗钱风险管理的重点和难点。作为与“居民”相对应的“非居民Nonresident”,因身份和交易等方面存在特殊性,必然成为洗钱风险管理中容易被弱化的部分。当前,反洗钱法规中虽然包含一些对“非居民”客户的履职要求,但由于“非居民”客户在反洗钱领域定义不清,导致义务机构在“非居民”客户反洗钱履职中存在困惑和困难,监管机构监管标准和界限不清、监管不规范、难度大。本文通过比较相关行业“非居民”客户划分标准,探讨反洗钱领域“非居民”客户的定义,针对“非居民”客户洗钱风险的管理现状与难点,提出相应对策建议。It is key for taking Different KYC and risk control measures for different customers under the new situation.Due to the particularity of identity,transaction and other aspects,"Nonresident"will inevitably become the part that is easy to be weakened in money laundering risk management.At present,there is some regulations for"non-resident"customer requirements,but because of the definition of"non-resident"clients in the field of antimoney laundering is not clear,difficulties still exist in the supervision and duty performances of KYC and risk control.

关 键 词：反洗钱 非居民 风险管理 

分 类 号：F830[经济管理—金融学]