Page 66 - 銀行家雜誌第85期

तйΆྌ

ږፄ္ଣೊᓃ‘

ݹ፺ԣՓੂБϓࣖ

ଘਗ਷࢕ᘩنɢ

Ϋᚥ2016ϋɨ̒ϋdҢ਷ΊᔮਠุვБߕ਷ॲߒʱБഃε࢕ږፄዚ࿴d
ޫऒʿ༼ˀج፭௔ᚃቊա൒ၮdږፄج፭ၾ္ଣ˚ᒈࠠࠅd
̨ᝄږፄุਬϞ౤ʺج፭ᅺ๟ၾ਷ყટࠐd˙ঐ౤ʺᘩنɢf
撰文：詹德恩

ࣛ ҏ๋ᅱdઅ౮ဂᑊ˜̻τց໋ഛցnn ᔷΣdႭ੻ٜͣdהϞΤ൚ՉྼᔎഹΝɓͦᅺj
Άุீཀቇ຅ዚՓdཫ಻ࠬᎈᒒеฦ࢔೯͛d౤
᎑Ԯ˂ሮτे™ᚤৎd޴ڦί୩ᛓ”̻
τց•ࣛdೌሞ֚઺ڦ΃މОdޫϞ̻τఃᆀ ʺΆุᐄ༶ࣖঐdᐏлΫ㉿ࡰʈʿٰ؇f༸ଣᔊ
ʘːfΫᚥ2016ϋɨ̒ϋd8˜d̨ᝄΊᔮ ఊۍމОٝ׸Бᗭdഈࣩһᔊఊdν໋຾‘ה
ਠุვБߕ਷ॲߒʱБቊॲߒψږፄ္ଣዚᗫ ʛdΪމɛːˢຬيே༓ൟdɰఱ݊ɛ׌ٙʔ̙
（Department of Financial Services, DFS）˸༼ ಂܙ׌הߧfᏨൖږፄ္ଣዚᗫ೯̺ٙБ݁ն˿
ˀݹ፺ԣՓج˿ஈၮ1.8ᄂߕʩf9˜dΌଢ̹࠽ ׼˖஝֛dږፄછٰʮ̡ʿვБุᏐீཀІБݟ

௰৷ٙߕ਷బ਷ვБ（Wells Fargo）ቊ༈਷ऊ ࣨeج˿፭ృၾࠬᎈ၍ଣආБࠬᎈ္છdԨ˸ʫ
൬٫ږፄڭᚐ҅（Consumer Financial Protection ௅ᇆࣨආБዹ္ͭຖdࡏʫ௅છՓՓܓϞࣖቇ຅
Bureau, CFPB）ܸછd༈ვБࡰʈ͊຾܄˒બ ༶Ъf༈Б݁ն˿Νࣛਗ਼ʫછՓܓ஝ᇍމɧ༸ԣ
ᛆdೳකπಛڦ͜੮˒ʿᔷ୅༟ږ˸זױุᐶd ᇞ{{ᐄุఊЗІБݟࣨމୋɓ༸ԣᇞeج˿፭ృ
ΪϤஈ˸1.85ᄂߕʩၮಛdᒔ඲̤̮ሦഗ܄˒ ၾࠬᎈ၍ଣމୋɚ༸ԣᇞeʫ௅ᇆࣨމୋɧ༸ԣ
500ຬߕʩf11˜d໮၈ΌଢୋɧɽვБٙʕ਷ ᇞdމԴʫ௅છՓՓܓঐϞࣖʿቇ຅ٙ༶Ъd͟
ุ༵ვБॲߒʱБΝމDFSႩ֛d༼ˀॲߒψٙ ୋɓ༸eୋɚ༸ԣᇞආБࠬᎈ္છdୋɧ༸ԣᇞ
ԣՓݹ፺ج஝dԨᒯገऒʿڶᖯ౶ʿʕ਷ٙږፄ ආБዹ္ͭຖdɧ༸ԣᇞ΢̡Չᔖf
ʹ׸dቊၮ2ᄂ1,500ຬߕʩfኽϤ˸ᝈd2016

ϋ̻ٙτց࿁׵ΌଢږፄุЧ˷Ԩʔ̻τf ݹ፺ԣՓϓމج፭ੂБϓܸࣖᅺ
ج˿፭ృ（compliance）Ցֵ݊ʡჿdجܛኪ
ژe၍ଣኪژאϞʔΝ່֛ٙfڐ10ϋԸ੽ʫᇆ 2001ϋߕ਷೯͛ɘɓɓࢵҸܝdΌଢԣ
ʫછeʮ̡طଣeΆุࡐଣeΆุٟึப΂dɗ Փݹ፺᜗ӻίߕ਷ၾԣՓݹ፺ږፄБ݁ଡ଼ᔌ
Ї׵፭˿፭ృdɓஹЕٙਖ਼ϞΤ൚พ੻ɽ࢕׾᎘ （Financial Action Task Force, FATF）ٙ˴ኬ

66 ̨ᝄვБ࢕2017.1˜໮