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小企业金融丛书》:监管

来源: 南方日报网络版     时间: 2019年09月18日 06:47:26
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澳洲幸运5平台代理平台直招龙虎代理客服QQ/微信【421618535】诚招代理【在线开户网址um996.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯分分彩,5分,10分彩,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。小企业金融丛书》:监管

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(监)(管)(和)(监)(督)(的)(原)(则)(
比)(例)(原)(则)(:比)(例)(原)(则)(提)(倡)(的)(监)(管)(和)(监)(督)(方)(式)((1)根)(据)(特)(定)(的)(提)(供)(者)(类)(型)(、活)(动)(或)(产)(品)(的)(特)(定)(风)(险)(,(2)旨)(在)(保)(持)(供)(应)(商)(、监)(管)(机)(构)(和)(消)(费)(者)(的)(成)(本)(和)(福)(利)(成)(比)(例)(,这)(种)(方)(法)(会)(对)(为)(穷)(人)(提)(供)(金)(融)(服)(务)(的)(不)(同)(监)(管)(和)(监)(督)(举)(措)(都)(有)(重)(大)(影)(响)(,特)(别)(是)(考)(虑)(到)(大)(多)(数)(现)(有)(的)(监)(管)(和)(监)(督)(机)(构)(可)(能)(没)(有)(充)(分)(考)(虑)(穷)(人)(的)(具)(体)(需)(求)(,然)(而)(,评)(估)(成)(本)(和)(效)(益)(不)(是)(一)(项)(容)(易)(的)(任)(务)(,利)(益)(相)(关)(者)((监)(管)(机)(构)(、供)(应)(商)(、消)(费)(者)()对)(风)(险)(以)(及)(成)(本)(和)(效)(益)(的)(量)(化)(往)(往)(有)(不)(同)(的)(观)(点)(,监)(管)(影)(响)(的)(评)(估)(可)(能)(是)(实)(施)(这)(一)(原)(则)(的)(实)(用)(工)(具)(。
竞)(争)(中)(立)(:为)(了)(建)(立)(一)(个)(公)(平)(竞)(争)(的)(环)(境)(,不)(管)(是)(哪)(种)(类)(型)(的)(机)(构)(被)(监)(管)(,相)(同)(的)(业)(务)(应)(该)(遵)(从)(相)(同)(的)(规)(则)(,这)(也)(称)(为)(基)(于)(业)(务)(的)(监)(管)(,而)(不)(是)(机)(构)(监)(管)(,这)(有)(着)(重)(要)(的)(意)(义)(,因)(为)(许)(多)(国)(家)(选)(择)(建)(立)(一)(个)(单)(独)(的)(针)(对)(小)(微)(金)(融)(的)(法)(律)(框)(架)(,但)(同)(时)(允)(许)(主)(流)(银)(行)(提)(供)(相)(同)(或)(相)(似)(的)(产)(品)(,在)(竞)(争)(中)(立)(的)(原)(则)(下)(,不)(同)(类)(型)(的)(机)(构)(的)(小)(微)(贷)(款)(组)(合)(应)(当)(遵)(从)(相)(同)(的)(资)(产)(质)(量)(和)(配)(置)(规)(则)(,业)(务)(规)(则)(不)(管)(是)(否)(受)(到)(审)(慎)(监)(管)(,它)(们)(也)(应)(该)(同)(样)(适)(用)(于)(所)(有)(类)(型)(的)(贷)(款)(机)(构)(,然)(而)(,审)(慎)(监)(管)(和)(监)(督)(主)(要)(是)(针)(对)(金)(融)(机)(构)(的)(偿)(付)(能)(力)(,因)(而)(制)(度)(化)(方)(法)(更)(为)(合)(适)(,例)(如)(,最)(低)(资)(本)(金)(要)(求)(的)(对)(象)(是)(针)(对)(整)(个)(机)(构)(,应)(该)(根)(据)(整)(个)(业)(务)(的)(风)(险)(组)(合)((其)(中)(可)(能)(包)(括)(小)(微)(金)(融)(这)(项)(业)(务)()而)(定)(。
灵)(活)(性)(:小)(微)(金)(融)(的)(历)(史)(主)(要)(是)(关)(于)(金)(融)(创)(新)(和)(“跳)(出)(思)(维)(定)(式)(”,如)(果)(现)(有)(规)(则)(没)(有)(一)(定)(的)(修)(改)(灵)(活)(性)(,使)(它)(们)(更)(适)(合)(为)(穷)(人)(提)(供)(金)(融)(服)(务)(或)(去)(除)(现)(有)(瓶)(颈)(,那)(么)(小)(微)(金)(融)(的)(许)(多)(发)(展)(可)(能)(不)(会)(发)(生)(,基)(于)(原)(则)(的)(监)(管)(而)(不)(是)(基)(于)(规)(则)(的)(监)(管)(一)(直)(被)(提)(倡)(,它)(为)(金)(融)(服)(务)(提)(供)(商)(提)(供)(了)(更)(大)(的)(灵)(活)(性)(,但)(对)(经)(验)(较)(少)(的)(监)(管)(机)(构)(来)(说)(更)(具)(挑)(战)(性)(,也)(被)(批)(评)(太)(宽)(松)((Black,2008),灵)(活)(程)(度)(还)(取)(决)(于)(在)(主)(要)(立)(法)((要)(求)(立)(法)(变)(化)()或)(二)(级)(立)(法)(如)(法)(规)((可)(被)(监)(管)(机)(构)(所)(修)(改)()下)(的)(规)(则)(制)(定)(到)(何)(种)(程)(度)(。
小)(微)(金)(融)(机)(构)(的)(监)(管)(结)(构)(
绝)(大)(多)(数)(的)(监)(管)(框)(架)(设)(计)(时)(没)(有)(考)(虑)(向)(穷)(人)(提)(供)(金)(融)(服)(务)(的)(创)(新)(方)(法)(:例)(如)(,只)(允)(许)(商)(业)(银)(行)(动)(员)(储)(蓄)(,只)(允)(许)(监)(管)(机)(构)(授)(权)(的)(分)(支)(机)(构)(作)(为)(客)(服)(点)(,而)(移)(动)(网)(络)(运)(营)(商)(等)(非)(银)(行)(金)(融)(机)(构)(可)(能)(会)(被)(禁)(止)(提)(供)(金)(融)(服)(务)(。
关)(于)(小)(微)(金)(融)(监)(管)(的)(一)(个)(挑)(战)(是)(如)(何)(将)(MFI整)(合)(到)(现)(有)(的)(银)(行)(监)(管)(框)(架)(下)(,有)(三)(种)(不)(同)(的)(方)(法)(:
在)(现)(有)(的)(银)(行)(法)(下)(调)(整)(小)(微)(金)(融)(:世)(界)(上)(一)(些)(为)(穷)(人)(提)(供)(金)(融)(服)(务)(的)(大)(型)(提)(供)(商)(像)(商)(业)(银)(行)(一)(样)(被)(监)(管)(,根)(据)(银)(行)(法)(的)(灵)(活)(性)(,它)(也)(可)(能)(在)(相)(同)(的)(法)(律)(下)(做)(一)(些)(修)(改)(以)(整)(合)(接)(收)(存)(款)(的)(MFI,如)(果)(在)(二)(级)(立)(法)((相)(对)(于)(主)(要)(立)(法)()下)(制)(定)(具)(体)(的)(适)(用)(于)(小)(微)(金)(融)(的)(审)(慎)(标)(准)(,这)(将)(是)(最)(简)(单)(的)(。
制)(定)(特)(殊)(的)(法)(律)(:很)(多)(国)(家)(对)(小)(微)(金)(融)(颁)(布)(了)(一)(项)(单)(独)(的)(法)(律)((很)(少)(有)(为)(小)(微)(金)(融)(采)(用)(二)(级)(立)(法)(的)(条)(例)(),虽)(然)(这)(使)(得)(可)(以)(根)(据)(小)(微)(金)(融)(的)(具)(体)(风)(险)(情)(况)(而)(定)(制)(合)(适)(的)(法)(律)(,但)(也)(让)(其)(与)(银)(行)(的)(现)(有)(框)(架)(相)(一)(致)(更)(具)(难)(度)(,这)(一)(法)(律)(通)(常)(只)(涉)(及)(存)(款)(机)(构)(或)(小)(微)(贷)(款)(机)(构)(,这)(一)(法)(律)(监)(管)(下)(允)(许)(的)(业)(务)(必)(须)(明)(确)(定)(义)(,以)(防)(止)(“监)(管)(套)(利)(”,即)(供)(应)(商)(获)(得)(与)(该)(法)(律)(不)(相)(符)(的)(许)(可)((例)(如)(,消)(费)(者)(、贷)(款)(者)(或)(其)(他)(金)(融)(服)(务)(提)(供)(商)(利)(用)(低)(门)(槛)(进)(入)()。
现)(有)(法)(律)(下)(豁)(免)(:使)(用)(这)(种)(方)(法)(,只)(要)(符)(合)(一)(定)(的)(条)(件)(,MFI就)(可)(以)(在)(银)(行)(法)(下)(得)(以)(豁)(免)(,这)(些)(条)(件)(定)(义)(了)(适)(用)(于)(MFI的)(具)(体)(监)(管)(措)(施)(,分)(层)(方)(法)(允)(许)(不)(同)(的)(金)(融)(服)(务)(提)(供)(者)(有)(不)(同)(的)(机)(构)(形)(式)(,每)(个)(都)(有)(不)(同)(的)(所)(允)(许)(的)(活)(动)(,遵)(从)(不)(同)(的)(监)(管)(标)(准)(,不)(同)(的)(层)(级)(可)(以)(在)(单)(一)(的)(一)(条)(法)(例)(或)(独)(立)(的)(立)(法)(行)(为)(下)(定)(义)(,这)(种)(方)(法)(的)(优)(点)(是)(,监)(督)(的)(强)(度)(随)(不)(同)(提)(供)(商)(具)(有)(的)(不)(同)(风)(险)(而)(不)(同)(,而)(且)(提)(供)(商)(可)(以)(从)(一)(个)(层)(级)(进)(入)(到)(下)(一)(个)(符)(合)(他)(们)(发)(展)(阶)(段)(的)(层)(级)(,例)(如)(顶)(层)(可)(能)(是)(商)(业)(银)(行)(,有)(权)(从)(事)(各)(种)(类)(型)(的)(活)(动)(,从)(存)(款)(中)(介)(到)(进)(行)(国)(际)(外)(汇)(交)(易)(,第)(二)(层)(级)(可)(能)(会)(限)(制)(银)(行)(的)(业)(务)(范)(围)(,允)(许)(存)(款)(中)(介)(但)(不)(允)(许)(国)(际)(交)(易)(,而)(第)(三)(层)(级)(可)(能)(只)(允)(许)(信)(贷)(业)(务)(。
金)(融)(服)(务)(提)(供)(商)(的)(监)(管)(
金)(融)(服)(务)(提)(供)(商)(根)(据)(他)(们)(的)(业)(务)(和)(特)(定)(的)(法)(律)(形)(式)(受)(到)(不)(同)(的)(监)(管)(,例)(如)(,银)(行)(和)(其)(他)(存)(款)(机)(构)(受)(到)(审)(慎)(监)(管)(,相)(比)(之)(下)(,非)(储)(蓄)(机)(构)(可)(能)(会)(受)(到)(某)(些)(限)(制)(性)(的)(非)(审)(慎)(要)(求)(,如)(基)(本)(的)(报)(告)(。
银)(行)(
银)(行)(从)(事)(金)(融)(中)(介)(的)(高)(风)(险)(业)(务)(:它)(们)(吸)(纳)(公)(众)(存)(款)((包)(括)(法)(律)(实)(体)(和)(个)(人)(),借)(出)(这)(些)(存)(款)((有)(或)(没)(有)(抵)(押)(品)()和)(其)(他)(资)(金)(,包)(括)(资)(本)(和)(向)(借)(款)(人)(借)(入)(的)(资)(金)((可)(能)(不)(是)(净)(储)(户)(),基)(本)(的)(银)(行)(业)(务)(通)(常)(包)(括)(但)(不)(限)(于)(客)(户)(账)(户)(及)(代)(理)(账)(户)(的)(开)(设)(和)(服)(务)(,支)(付)(和)(转)(账)(业)(务)(,包)(括)(发)(行)(信)(用)(卡)(、借)(记)(卡)(和)(其)(他)(付)(款)(卡)(,保)(管)(贵)(重)(物)(品)(,信)(托)(业)(务)(,发)(行)(担)(保)(和)(备)(用)(信)(用)(证)(,其)(他)(贴)(现)(汇)(票)(和)(本)(票)(,鉴)(于)(这)(些)(不)(同)(的)(业)(务)(和)(银)(行)(的)(两)(个)(基)(本)(关)(注)(点)(——金)(融)(体)(系)(的)(稳)(定)(和)(公)(众)(资)(金)(的)(潜)(在)(损)(失)(,银)(行)(应)(受)(到)(审)(慎)(监)(管)((监)(督)()。
非)(银)(行)(储)(蓄)(机)(构)(
通)(常)(,非)(银)(行)(储)(蓄)(机)(构)(可)(以)(从)(事)(银)(行)(允)(许)(的)(部)(分)(业)(务)(,贷)(款)(业)(务)(可)(能)(被)(限)(制)((全)(部)(或)(部)(分)()向)(小)(微)(企)(业)(贷)(款)(,贷)(款)(和)(储)(蓄)(以)(外)(的)(业)(务)(可)(能)(受)(到)(限)(制)(,其)(他)(复)(杂)(或)(高)(风)(险)(活)(动)(可)(能)(不)(被)(允)(许)(,如)(外)(币)(兑)(换)(和)(金)(融)(衍)(生)(品)(,审)(慎)(性)(条)(件)(应)(该)(由)(监)(管)(机)(构)(如)(银)(监)(会)(或)(一)(个)(单)(独)(的)(机)(构)(来)(评)(估)(,以)(确)(保)(他)(们)(向)(小)(额)(储)(蓄)(机)(构)(提)(交)(合)(适)(的)(申)(请)(,应)(该)(对)(某)(些)(适)(用)(于)(银)(行)(和)(其)(他)(存)(款)(机)(构)(的)(审)(慎)(性)(条)(件)(包)(括)(最)(低)(资)(本)(、资)(本)(充)(足)(率)(、所)(有)(权)(要)(求)(、最)(大)(股)(权)(所)(有)(限)(制)(、贷)(款)(损)(失)(准)(备)(金)(和)(流)(动)(性)(等)(进)(行)(调)(整)(以)(适)(应)(特)(定)(的)(小)(微)(金)(融)(业)(务)(的)(风)(险)(和)(收)(益)(。
金)(融)(合)(作)(社)(
“金)(融)(合)(作)(社)(”这)(一)(术)(语)(是)(指)(每)(个)(成)(员)(有)(一)(票)(表)(决)(权)(的)(会)(员)(制)(机)(构)(,根)(据)(规)(模)(、会)(员)(标)(准)(/组)(成)(和)(运)(营)(方)(式)(的)(不)(同)(,金)(融)(合)(作)(社)(包)(括)(信)(用)(社)(、储)(蓄)(和)(信)(贷)(合)(作)(社)(、储)(蓄)(银)(行)(和)(合)(作)(银)(行)(,在)(一)(些)(国)(家)(,金)(融)(合)(作)(社)(有)(超)(过)(10万)(个)(成)(员)(,总)(资)(产)(超)(过)(了)(2000万)(美)(元)(,在)(其)(他)(国)(家)(,金)(融)(合)(作)(社)(是)(地)(方)(性)(的)(,规)(模)(很)(小)((少)(于)(100个)(成)(员)(),在)(地)(理)(上)(是)(分)(散)(的)(。
小)(微)(贷)(款)(机)(构)(
小)(微)(贷)(款)(机)(构)(可)(能)(是)(非)(营)(利)(也)(可)(能)(是)(营)(利)(的)(,可)(能)(采)(取)(不)(同)(的)(法)(律)(形)(式)(,包)(括)(协)(会)(、基)(金)(会)(、公)(司)(或)(企)(业)(,小)(微)(贷)(款)(机)(构)(的)(业)(务)(通)(常)(限)(于)(贷)(款)(和)(其)(他)(辅)(助)(服)(务)(,如)(提)(供)(业)(务)(发)(展)(服)(务)(,它)(们)(的)(贷)(款)(资)(金)(来)(自)(于)(捐)(赠)(者)(、私)(人)(投)(资)(者)(和)(其)(他)(放)(贷)(机)(构)(,包)(括)(商)(业)(银)(行)(。
支)(付)(服)(务)(提)(供)(商)(和)(电)(子)(货)(币)(发)(行)(机)(构)(
非)(银)(行)(机)(构)(如)(支)(付)(服)(务)(提)(供)(商)((PSP)和)(提)(供)(电)(子)(货)(币)(的)(移)(动)(网)(络)(运)(营)(商)((MNO)在)(为)(穷)(人)(提)(供)(金)(融)(服)(务)(中)(发)(挥)(着)(越)(来)(越)(重)(要)(的)(作)(用)(,这)(些)(机)(构)(通)(常)(不)(受)(存)(款)(机)(构)(的)(审)(慎)(监)(管)(,也)(不)(需)(要)(,只)(要)(它)(们)(遵)(守)(一)(定)(的)(风)(险)(缓)(解)(措)(施)(,它)(们)(通)(常)(提)(供)(范)(围)(更)(有)(限)(的)(服)(务)((也)(就)(是)(说)(,只)(有)(支)(付)(和)(/或)(电)(子)(货)(币)(),因)(此)(风)(险)(也)(更)(为)(有)(限)(,根)(据)(比)(例)(原)(则)(,最)(好)(使)(PSP和)(MNO在)(非)(银)(行)(金)(融)(服)(务)(提)(供)(商)(的)(特)(定)(监)(管)(框)(架)(下)(。
小)(微)(保)(险)(
保)(险)(公)(司)(通)(常)(受)(制)(于)(不)(同)(的)(监)(管)(机)(制)(,因)(为)(保)(险)(的)(风)(险)(不)(同)(于)(贷)(款)(或)(存)(款)(机)(构)(,通)(常)(保)(险)(承)(销)(商)(被)(禁)(止)(从)(事)(其)(他)(金)(融)(服)(务)(,同)(样)(地)(,银)(行)(和)(其)(他)(存)(款)(机)(构)(通)(常)(被)(禁)(止)(承)(销)(保)(险)(,如)(上)(国)(际)(保)(险)(监)(管)(协)(会)(所)(述)(,监)(督)(保)(险)(公)(司)(的)(主)(要)(目)(的)(是)(促)(进)(“公)(平)(、安)(全)(、稳)(定)(”的)(行)(业)(发)(展)(,为)(了)(利)(益)(和)(保)(护)(投)(保)(人)(,小)(微)(保)(险)(提)(供)(商)(要)(受)(保)(险)(监)(管)(机)(构)(授)(权)(和)(监)(督)(。
对)(银)(行)(和)(其)(他)(非)(银)(行)(机)(构)(的)(监)(管)(
受)(审)(慎)(监)(管)(的)(机)(构)(一)(般)(包)(括)(银)(行)(和)(其)(他)(存)(款)(机)(构)(,尽)(管)(并)(不)(是)(所)(有)(的)(存)(款)(机)(构)(都)(受)(到)(监)(督)(,其)(他)(从)(事)(类)(似)(于)(接)(受)(存)(款)(业)(务)((如)(非)(银)(行)(电)(子)(货)(币)(发)(行)(商)()的)(非)(储)(蓄)(金)(融)(服)(务)(提)(供)(者)(可)(能)(受)(到)(金)(融)(监)(管)(机)(构)(的)(监)(督)(,尽)(管)(由)(于)(关)(键)(区)(别)((即)(没)(有)(存)(款)(),它)(们)(所)(受)(的)(监)(督)(通)(常)(比)(银)(行)(更)(有)(限)(。
银)(行)(
银)(行)(的)(监)(督)(机)(构)(通)(常)(是)(中)(央)(银)(行)(,尽)(管)(会)(有)(不)(止)(一)(个)(监)(督)(机)(构)(,也)(就)(是)(说)(,央)(行)(可)(能)(只)(负)(责)(货)(币)(问)(题)(,还)(有)(一)(个)(独)(立)(的)(负)(责)(系)(统)(性)(风)(险)(和)(审)(慎)(问)(题)(的)(监)(管)(机)(构)(,一)(个)(存)(款)(保)(险)(的)(监)(管)(机)(构)(,分)(别)(负)(责)(国)(有)(银)(行)(、私)(人)(银)(行)(、小)(型)(银)(行)(和)(其)(他)(银)(行)((例)(如)(,储)(蓄)(银)(行)(或)(村)(镇)(银)(行)()的)(不)(同)(监)(管)(机)(构)(。
非)(银)(行)(存)(款)(机)(构)(
非)(银)(行)(存)(款)(机)(构)(的)(监)(管)(机)(构)(可)(能)(与)(银)(行)(相)(同)((尽)(管)(通)(常)(会)(有)(一)(个)(单)(独)(的)(负)(责)(非)(银)(行)(储)(蓄)(机)(构)(的)(部)(门)(),也)(可)(能)(是)(一)(个)(独)(立)(的)(金)(融)(监)(管)(机)(构)(,在)(某)(些)(情)(况)(下)(是)(由)(非)(政)(府)(机)(构)(来)(监)(督)(,作)(为)(监)(管)((政)(府)()机)(构)(的)(代)(表)(团)(或)(作)(为)(自)(我)(监)(管)(计)(划)(的)(一)(部)(分)(,某)(些)(监)(管)(做)(法)(可)(能)(不)(适)(合)(以)(小)(微)(贷)(款)(为)(主)(要)(贷)(款)(业)(务)(的)(机)(构)(,首)(先)(,非)(现)(场)(和)(现)(场)(监)(督)(方)(法)(需)(要)(调)(整)(,因)(为)(小)(微)(贷)(款)(组)(合)(书)(面)(记)(录)(较)(少)(,无)(法)(以)(通)(过)(审)(查)(大)(额)(贷)(款)(的)(样)(本)(的)(形)(式)(来)(评)(估)(,相)(比)(而)(言)(,监)(管)(应)(重)(点)(关)(注)(贷)(款)(、收)(集)(政)(策)(以)(及)(投)(资)(组)(合)(表)(现)(的)(合)(规)(性)(,其)(次)(,某)(些)(监)(管)(行)(为)(对)(这)(些)(机)(构)(并)(不)(奏)(效)(,尤)(其)(是)(停)(止)(放)(贷)(和)(强)(制)(资)(产)(出)(售)(或)(并)(购)(的)(指)(令)(,由)(于)(客)(户)(对)(后)(续)(贷)(款)(产)(生)(依)(赖)(,放)(贷)(的)(停)(止)(令)(会)(导)(致)(大)(量)(的)(违)(约)((Christen等)(,2012),而)(信)(贷)(员)(和)(客)(户)(之)(间)(通)(常)(关)(系)(密)(切)(,资)(产)(出)(售)(或)(并)(购)(会)(切)(断)(这)(种)(关)(系)(,从)(而)(也)(可)(能)(导)(致)(客)(户)((也)(可)(能)(得)(出)(后)(续)(贷)(款)(的)(可)(能)(性)(变)(小)(的)(结)(论)()违)(约)(。
金)(融)(基)(础)(设)(施)(的)(监)(管)(
运)(转)(良)(好)(和)(包)(容)(性)(的)(金)(融)(基)(础)(设)(施)(是)(金)(融)(普)(惠)(性)(的)(关)(键)(,包)(括)(信)(用)(信)(息)(、支)(付)(和)(结)(算)(系)(统)(、存)(款)(保)(险)(和)(抵)(押)(/担)(保)(交)(易)(。
信)(用)(信)(息)(市)(场)(的)(监)(管)(通)(常)(与)(数)(据)(隐)(私)(和)(银)(行)(保)(密)(法)(相)(联)(系)(,为)(了)(将)(客)(户)(信)(息)(传)(输)(给)(外)(部)(组)(织)((如)(信)(用)(局)(),又)(缺)(乏)(单)(独)(的)(允)(许)(此)(类)(行)(为)(的)(监)(管)(规)(定)(,提)(供)(商)(通)(常)(需)(要)(获)(得)(客)(户)(的)(许)(可)((在)(一)(些)(国)(家)(,监)(管)(明)(确)(要)(求)(供)(应)(商)(获)(得)(客)(户)(对)(此)(类)(行)(为)(的)(同)(意)(),在)(有)(些)(国)(家)(,非)(银)(行)(机)(构)(对)(信)(用)(报)(告)(的)(参)(与)(度)(很)(低)(,监)(管)(机)(构)(可)(能)(会)(决)(定)(要)(求)(它)(们)(参)(与)(或)(激)(励)(它)(们)(参)(与)((例)(如)(,通)(过)(降)(低)(提)(供)(贷)(款)(的)(要)(求)(,贷)(款)(是)(基)(于)(对)(客)(户)(信)(用)(报)(告)(的)(审)(查)(而)(扩)(展)(的)(),为)(了)(确)(保)(客)(户)(不)(因)(为)(信)(用)(报)(告)(中)(的)(不)(准)(确)(信)(息)(而)(受)(苛)(待)(,通)(常)(要)(求)(保)(持)(信)(息)(更)(新)(并)(删)(除)(过)(时)(信)(息)(,向)(客)(户)(提)(供)(有)(关)(文)(件)(信)(息)(,在)(错)(误)(通)(知)(后)(纠)(正)(信)(息)(。
AML/CFT(反)(洗)(钱)(和)(打)(击)(资)(助)(恐)(怖)(主)(义)()要)(求)(
尽)(管)(许)(多)(国)(家)(没)(有)(专)(门)(的)(AML/CFT法)(律)(,还)(是)(有)(很)(多)(国)(家)(遵)(循)(金)(融)(行)(动)(特)(别)(工)(作)(组)((FATF)的)(建)(议)(和)(指)(导)(确)(立)(了)(相)(关)(要)(求)(,基)(本)(的)(AML/CFT措)(施)(包)(括)(客)(户)(尽)(职)(调)(查)((CDD)(通)(常)(与)(“了)(解)(你)(的)(客)(户)(”[KYC]同)(义)()、监)(控)(和)(维)(护)(客)(户)(交)(易)(记)(录)(,并)(在)(可)(疑)(交)(易)(出)(现)(时)(通)(知)(相)(应)(的)(部)(门)((作)(为)(银)(行)(风)(险)(管)(理)(举)(措)(的)(重)(要)(组)(成)(部)(分)(,AML/CFTCDD要)(求)(可)(能)(与)(巴)(塞)(尔)(银)(行)(监)(管)(委)(员)(会)(确)(定)(的)(KYC措)(施)(重)(叠)(,然)(而)(,它)(们)(也)(可)(能)(存)(在)(差)(异)(,因)(为)(两)(套)(要)(求)(是)(为)(了)(不)(同)(的)(目)(的)()。
文)(章)(来)(源)(:摘)(自)(《新)(版)(小)(微)(金)(融)(手)(册)(》(本)(文)(观)(点)(仅)(代)(表)(作)(者)(观)(点)()
本)(篇)(编)(辑)(:王)(昌)(耀)(返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
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