本行反洗钱答卷
Wolfsberg AML Questionnaire沃尔夫斯堡反洗钱调查问卷
| Financial Institution Name: Industrial Bank Co., Ltd. 金融机构名称：兴业银行股份有限公司 | ||
| Location: People’s Republic of China 位置：中华人民共和国 | ||
| Anti-Money Laundering Questionnaire 反洗钱调查问卷 | ||
| I. General AML Policies, Practices and Procedures: 反洗钱政策，操作方式及程序的总体情况 | Yes 是 | No 否 |
| 1. Is the AML compliance program approved by the FI’s board or a senior committee ? 反洗钱合规计划是否取得该金融机构的董事会或高层委员会的批准？ | Y √ 是 | |
| 2. Does the FI have a legal and regulatory compliance program that includes a designated officer that is responsible for coordinating and overseeing the AML framework? 金融机构是否制定法律与合规计划，包括指定合规管理人员负责统筹和监督反洗钱实施框架？ | Y √ 是 | |
| 3. Has the FI developed written policies documenting the processes that they have in place to prevent, detect and report suspicious transactions? 金融机构是否有订立书面政策，详细记录其已实施的程序，以防止、识别及报告可疑交易？ | Y √ 是 | |
| 4. In addition to inspections by the government supervisors/regulators, does the FI client have an internal audit function or other independent third party that assesses AML policies and practices on a regular basis? 除了政府监管机构的监督，金融机构是否设立内部审计部门，或者委任其它独立第三方，定期评估反洗钱政策及操作规程？ | Y √ 是 | |
| 5. Does the FI have a policy prohibiting accounts/relationships with shell banks? (A shell bank is defined as a bank incorporated in a jurisdiction in which it has no physical presence and which is unaffiliated with a regulated financial group.) 金融机构是否有政策禁止为空壳银行开立账户或建立业务关系？（空壳银行的定义是该行在其注册成立地区没有实质营业场所，同时它不附属于任何受监管的金融集团） | Y √ 是 | |
| 6. Does the FI have policies to reasonably ensure that they will not conduct transactions with or on behalf of shell banks through any of its accounts or products? 金融机构是否有政策合理确保其不会通过自己的账户或产品同空壳银行，或代表空壳银行进行交易？ | Y √ 是 | |
| 7.Does the FI have policies covering relationships with Politically Exposed Persons(PEP’s), their family and close associates? 金融机构的反洗钱政策是否包含如何处理同政治公众人物、政治公众人物家庭成员，以及政治公众人物密切关系人员的业务关系？ | Y √ 是 | |
| 8. Does the FI have record retention procedures that comply with applicable law? 金融机构是否设定符合适用法律要求的记录保存程序？ | Y √ 是 | |
| 9.Are the FI’s AML policies and practices being applied to all branches and subsidiaries of the FI both in the home country and in locations outside of that jurisdiction? 金融机构是否要求其所在国家或所在国家以外地区的所有分部及附属机构，遵守其反洗钱政策及操作规程？ | Y √ 是 | |
| II. Risk Assessment 风险评估 | Yes 是 | No 否 |
| 10. Does the FI have a risk-based assessment of its customer base and their transactions? 金融机构是否采用以风险为基础的方法，评估其客户及客户交易？ | Y √ 是 | |
| 11. Does the FI determine the appropriate level of enhanced due diligence necessary for those categories of customers and transactions that the FI has reason to believe pose a heightened risk of illicit activities at or through the FI? 对那些金融机构有足够理由认定在金融机构或通过金融机构进行高风险违法活动的客户和交易，金融机构是否会决定制定合适水平的增强尽职调查工作？ | Y √ 是 | |
| III. Know Your Customer, Due Diligence and Enhanced Due Diligence 了解您的客户，尽职调查及增强尽职调查工作 | Yes 是 | No 否 |
| 12. Has the FI implemented processes for the identification of those customers on whose behalf it maintains or operates accounts or conducts transactions? 金融机构是否采取适当的识别措施用于了解实际控制客户的自然人（或组织）以及交易的实际受益人？ | Y √ 是 | |
| 13. Does the FI have a requirement to collect information regarding its customers’ business activities? 金融机构是否规定收集有关客户业务活动的信息？ | Y √ 是 | |
| 14. Does the FI assess its FI customers’AML policies or practices? 金融机构是否评估其金融机构客户的反洗钱政策或操作规程？ | Y √ 是 | |
| 15. Does the FI have a process to review and, where appropriate, update customer information relating to high risk client information? 金融机构是否有适时重审和更新高风险客户信息的工作流程？ | Y √ 是 | |
| 16. Does the FI have procedures to establish a record for each new customer noting their respective identification documents and‘Know Your Customer’information? 金融机构是否有为新客户逐一建立档案并保存其身份证明文件及KYC信息的工作流程？ | Y √ 是 | |
| 17. Does the FI complete a risk-based assessment to understand the normal and expected transactions of its customers? 金融机构是否采取措施，根据其对客户的风险评估了解客户的正常及预期交易？ | Y √ 是 | |
| IV. Reportable Transactions and Prevention and Detection of Transactions with Illegally Obtained Funds 须报告的交易，防止及侦查非法资金的交易活动 | Yes 是 | No 否 |
| 18. Does the FI have policies or practices for the identification and reporting of transactions that are required to be reported to the authorities? 对于那些需要向监管部门报告的交易，金融机构是否有政策或程序识别及报告此类活动？ | Y √ 是 | |
| 19. Where cash transaction reporting is mandatory, does the FI have procedures to identify transactions structured to avoid such obligations? 若现金交易的报告是强制性的，金融机构是否设定程序用于识别那些故意做出调整以规避报告义务的交易？ | Y √ 是 | |
| 20. Does the FI screen customers and transactions against lists of persons, entities or countries issued by government/competent authorities? 金融机构是否对政府或有权机关发布的监控名单所涉及的个人、实体或国家及其交易进行监测？ | Y √ 是 | |
| 21. Does the FI have policies to reasonably ensure that it only operates with correspondent banks that possess licenses to operate in their countries of origin? 金融机构是否制定政策，以合理确保其只与在来源国家持有经营执照的代理银行开展合作？ | Y √ 是 | |
| V. Transaction Monitoring 监控交易 | Yes 是 | No 否 |
| 22. Does the FI have a monitoring program for unusual and potentially suspicious activity that covers funds transfers and monetary instruments such as travelers checks, money orders, etc? 金融机构是否有监控计划，用于监控有关资金转账及货币工具（例如旅行支票、汇票等）的不寻常的潜在可疑活动？ | Y √ 是 | |
| VI. AML Training 反洗钱培训 | Yes 是 | No 否 |
| 23. Does the FI provide AML training to relevant employees that includes: ♦ Identification and reporting of transactions that must be reported to government authorities. ♦ Examples of different forms of money laundering involving the FI’s products and services. ♦ Internal policies to prevent money laundering. 金融机构是否为其员工提供反洗钱培训，包括： ♦ 识别并报告那些必须向政府部门报告的交易。 ♦ 可能牵涉金融机构产品和服务的各种不同形式的洗钱案例。 ♦ 内部反洗钱政策。 | Y √ 是 | |
| 24. Does the FI retain records of its training sessions including attendance records and relevant training materials used? 金融机构是否保留其培训课程的各项记录，包括出席记录及所用教材等？ | Y √ 是 | |
| 25. Does the FI communicate new AML related laws or changes to existing AML related policies or practices to relevant employees? 对于反洗钱新法规或现有法规、操作规程的改变，金融机构是否向其相关员工沟通？ | Y √ 是 | |
| 26. Does the FI employ third parties to carry out some of the functions of the FI? 金融机构是否聘请第三方机构代理实施部分金融职能？ | N √ 否 | |
| 27. If the answer to question 26 is yes, does the FI provide AML training to relevant third parties that includes: ♦ Identification and reporting of transactions that must be reported to government authorities. ♦ Examples of different forms of money laundering involving the FI’s products and services. ♦ Internal policies to prevent money laundering. 如果对问题26的回答是肯定的，那么金融机构是否为关联第三方提供反洗钱培训，包括： ♦ 识别并报告那些必须向政府部门报告的交易。 ♦ 可能牵涉金融机构产品和服务的各种不同形式的洗钱案例。 ♦ 内部反洗钱政策。 | ||
Name: Hua Bing
Title: General Manager of Legal and Compliance Department
Date: 12 Jun 2010