反洗钱考试测试题及答案.pdf

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1、反洗钱阶段性测试（一）一、判断（共10 题，20 分）1、反洗钱内部控制的信息与交流包括获取充足的信息、有效的管理和交流以及开辟畅通的信息反馈和报告渠道，保证发现的问题能够及时、完整地为最高层掌握。2、有效的反洗钱内部控制是金融机构从制定、实施到管理、监督的一个完整的运行机制。3、客户身份识别中的非面对面识别要求是指，金融机构利用电话、网络、自助银行ATM 机以及其他方式为客户提供非柜台方式的服务时，应实行严格的身份认证措施，采取相应的技术保障手段，强化内部管理程序，识别客户身份。4、客户身份识别中的保密性要求是指，金融机构应保护商业秘密和个人隐私，妥善保存客户身份识别过程中获取的客户身份信息

2、和交易信息。5、为对私客户办理一次性金融业务和以开立账户等方式建立业务关系需登记客户身份基本信息，若客户的住所地与经常居住地不一致，登记客户的住所地。6、开立人民币定期存款账户单位未在经办银行开立过活期结算账户或临时存款账户的，银行营业网点经办人员应比照客户首次开立人民币账户的方式审核客户身份资料。7、大额提现业务中识别客户的重点之一是一次性提取大额现金的客户身份。8、对公人民币存款类业务识别主体只有银行营业网点经办人员和经营部门负责人。9、金融机构破产或者解散时，可将客户身份资料和交易记录自行处置。10、金融机构应当建立数据信息安全备份制度，采取多介质备份与异地备份相结合的数据备份方式，确保

3、交易数据的安全、准确、完整。二、单选（共10 题，40 分）1、金融机构大额交易和可疑交易报告管理办法规定，交易一方为自然人、单笔或者当日累计等值（）美元以上的跨境交易，金融机构应当向中国反洗钱监测分析中心报告。C.100002、金融机构大额交易和可疑交易报告管理办法第十条规定，银行对符合规定条件的大额交易，如未发现该交易可疑的，可以不报告。以下不属于规定条件的是（）D.个体工商户50 万元大额现金存取。3、金融机构客户身份识别和客户身份资料及交易记录保存管理办法第二十六条规定了（）种涉及客户识别过程中的可疑交易报告类型。A.54、根据金融机构大额交易和可疑交易报告管理办法的规定，可疑交易类型

4、中“长期闲置的账户原因不明地突然启用，并在短期内发生大量证券交易”中的“长期”和“短期”是指（）B.1 年以上，10 个工作日（含）5、选项中交易的发生额都在200 万元以上，哪一种属于大额交易报告的范围。（）D.法人、其他组织和个体工商户银行账户之间转账交易6、金融机构应当根据金融机构大额交易和可疑交易报告管理办法制定大额交易和可疑交易报告内部管理制度和操作规程，并向（）报备。C.中国人民银行7、金融机构及其工作人员应当按照反洗钱的有关规定认真履行反洗钱义务，审慎地识别（）C.可疑交易8、金融机构大额交易和可疑交易报告管理办法规定，“可疑交易发生后的10 个工作日”是指（）文档编码:CO6M

5、1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6

6、M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO

7、6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:C

8、O6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:

9、CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码

10、:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编

11、码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10D.构成可疑交易的最后一笔交易发生之日起计算9、中华人民共和国反洗钱法信法提交大额交易和可

12、疑交易报告，受法律保护的对象有（）A.所有履行反洗钱义务的机构10、A 银行向当地人民银行报告一起可疑交易，某服装加工公司法人代表李某近日持25张个人身份证，声称这些人均为本公司员工，要求开立工资卡。银行经审核后确认这些身份证均为真实身份证，并为这些人开立了人民币个人银行结算账户。其后数日，这些账户相继收到来自于开曼群岛某贸易公司汇来的外汇各3000 美元，合计75000美元，并均由李某办理结汇后存入账户。李某再将这些结汇后的人民币资金取现后存入其本人账户。请问李某的交易行为符合以下哪种可疑交易类型（）B.多个境内居民接受一个离岸账户汇款，其资金的划转和结汇均由一个或者少数人操作。二、多选（共

13、10 题，40 分）1、开立对公人民币活期存款账户及定期存款账户的识别对象有（ABC）A.拟开立账户的对公客户B.法定代表人C.开户经办人2、银行在开立个人资本项目外汇账户时应注意审核（ABCD）A.外汇管理局核发的“国家外汇管理局资本项目外汇业务核准件”的要项是否为“账户开立”B.境内个人对外直接投资是否符合有关规定并办理境外投资外汇登记C.境内个人对外捐赠和财产转移需购付汇的，是否符合有关规定并经外汇管理局核准D.境外个人购买境内商品房，是否符合自用原则3、人民币贷款类业务终止环节，客户身份识别的要点有（ABC）文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H

14、5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1

15、H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M

16、1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9

17、M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H

18、9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3

19、H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC

20、3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10A.对单位非经营所得或非正常渠道收入用于偿还贷款或提前还款的，银行应调查其还款资金来源，是否存在可疑情况。B.对客户未说明偿还贷款来源或与借款人资产状

21、况不符的，银行应调查还贷资金来源与借款人的权属关系。C.由其他单位或他人代办分期还款的，应注意调查贷款是否被挪用，资金来源是否合法。4、以下说法正确的是（ABD）A.按照保存介质不同，保存方式可分为纸质保存介质、电子保存介质、磁带保存介质以及不可更改的介质。B.纸质档案保存环境应保持一定的温度、湿度，做到防霉、防蛀、防火。D.借阅档案要按规定办理登记手续。5、2006 年 2 月，在 XX 银行发现一个新客户名称为XX 农副产品公司，经常性地收取来自外地单位汇款，然后将资金分多次以现金形式取走，累计资金交易量非常大，该公司开启以后，从 2006 年 2 月 10 日到 2 月 19 日期间，该

22、账户转入资金5 笔，合计1000 万元，支取现金50笔，合计950 万元，汇款单位均不同，多是贸易公司等。经该行调查，这是经营范围为收购农副产品的公司，只有一名员工，真正的法人代表始终没有出现过。外地的汇款用途是买农副产品的。但这家农副产品公司经营面积约20，工商注册为有限责任公司，注册资金50 万元，平时顾客很少。请问该公司的交易符合以下哪些可疑点（）6、某私人账户在足球联赛期间突然交易活跃，短期内款项分别通过网银及现金形式存入，笔数极多，存入款项短期内以现金方式提出，提款后又要求银行职员将现金存入其他多个账户。请问该客户的交易有哪些可疑点（AB）A.客户交易行为可疑文档编码:CO6M1S6

23、A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S

24、6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1

25、S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M

26、1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6

27、M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO

28、6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:C

29、O6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10B.长期闲置的账户原因不明地突然启用或平常资金流量小的账户突然有异常资金流入，且短期内出现大量资

30、金收付。7、某投资顾问有限公司，注册资本为100 万凶，经营范围是项目投资咨询、市场调查、企业管理、营销策划、中介服务。该账户2007 年 5 月 9 日至 5 月 16 日，资金交易高达亿元，主要是 A 证券营业部集中转入2 笔共 5200 万元，然后将资金分散转给某综合大药房5 笔共 2050万元、B 证券营业部5 笔共 3000 万元、某典当有限公司2 笔共 900 万元。该账户的交易行为符合以下哪种可疑交易（AC）A.短期内资金分散转入、集中转出或者集中转入、分散转出，与客户身份、财务状况、经营业务明显不符。C.法人、其他组织和个体工商户短期内频繁收取与其经营业务明显无关的汇款，或者自

31、然人客户短期内频繁收取法人、其他组织的汇款。8、开立对公外汇存款账户的识别主体为（ABCDE）A.银行营业网点经办人员B.经营部门负责人C.国际业务经算人员D.客户经理E.其他相关业务人员9、我国关于大额和可疑交易报告制度的规定，主要体现在（ABCDE）等法律和部门规章中。A.反洗钱法B.金融机构反洗钱规定C.金融机构大额交易和可疑交易报告管理办法文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H

32、5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1

33、H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M

34、1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9

35、M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H

36、9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3

37、H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC

38、3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10D.金融机构报告涉嫌恐怖融资的可疑交易管理办法E.金融机构客户身份识别和客户身份资料及交易保存管理办法10、开立外国投资者账户，银行应审核（ABCDE）A.投资项目所在地外汇管理局核发的“国家外汇管理局资本项目外汇业务核准件”的要项是否为“账户开立”B.境外法人当商业登记证明或境外自然人身份证明是否真实、有效C.工商部门

39、出具的公司名称预先核准通知书上投资人、投资额、投资比例与外汇管理局和相关部门的文件是否相符D.商务部门对外资非法人项目的批复文件E.外国投资者委托境内自然人或法人申请开户的，其依法办理涉外公证的授权委托书是否有效反洗钱阶段性测试（二）一、判断（共10 题，20 分）1、有效的反洗钱内部控制是金融机构从制定、实施到管理、监督的一个完整的运行机制。2、金融机构从管理层到一般业务员工都应对反洗钱内部控制负有责任。3、反洗钱法中专门规定了“反洗钱调查”一章，明确了中国人民银行或者其省一级分支机构有权向金融机构调查核实可疑交易活动，从而使人民银行的反洗钱调查权有了明确的法律依据。4、反洗钱调查中的封存，

40、是指中国人民银行或者其省一级分支机构在调查可疑交易活动中，对可能被转移、隐藏、篡改或者毁损的文件、资料采取的登记保存措施。文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P

41、9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8

42、P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V

43、8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4

44、V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR

45、4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 H

46、R4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10

47、HR4V8P9I1H10 ZC3H9M1H5T105、反洗钱是一项需要自上而下推动开展才能确保实效的合规工作，高管人员给予反洗钱工作的支持和指导是营造良好内控环境的关键因素之一。6、金融机构应当建立数据信息安全备份制度，采取多介质备份与异地备份相结合的数据备份方式，确保交易数据的安全、准确、完整。7、金融机构违反保密规定将反洗钱检查信息泄露给无关人员，情节严重的处十万元以上二十万元以下罚款，并对直接负责的董事、高级管理人员和其他责任人员，处一万元以上五万元以下的罚款。8、反洗钱调查中的临时冻结，是指在调查可疑交易活动过程中，当客户要求将调查所涉及的账户资金转往境外时，中国人民银行依法暂时禁止客

48、户提取和转移该账户资金的强制措施。9、反洗钱内部控制可脱离金融机构的基本框架单独发挥作用。10、反洗钱内部控制的信息与交流包括获取充足的信息、有效的管理和交流以及开辟畅通的信息反馈和报告渠道，保证发现的问题能够及时、完整地为最高层掌握。二、单选（共10 题，40 分）1、金融机构大额交易和可疑交易报告管理办法于（D）起施行。2003 年 1 月 3 日中国人民银行发布的人民币大额和可疑交易支付交易报告管理办法（中国人民银行令2003第 2 号）和金融机构大额和可疑外汇资金交易报告管理办法（中国人民银行令2003 第 3号）同时废止。D.2007年 3 月 1 日2、金融机构大额交易和可疑交易报

49、告管理办法规定，自然人银行账户之间，以及自然人与法人、其他组织和个体工商户银行账户之间单笔或者当日累计人民币（B）元以上或者外币等值（）美元以上的款项划转，金融机构应当向中国反洗钱监测分析中心报告。B.50 万，10 万文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10

50、HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10 HR4V8P9I1H10 ZC3H9M1H5T10文档编码:CO6M1S6A7U10