{"id":1183,"date":"2026-10-02T07:01:07","date_gmt":"2026-10-01T23:01:07","guid":{"rendered":"https:\/\/www.amlguidehk.com\/web\/mso-structuring-smurfing-alert\/"},"modified":"2026-10-02T07:01:07","modified_gmt":"2026-10-01T23:01:07","slug":"mso-structuring-smurfing-alert","status":"publish","type":"post","link":"https:\/\/www.amlguidehk.com\/web\/mso-structuring-smurfing-alert\/","title":{"rendered":"\u3010MSO\u5408\u898f\u8b66\u5831\u3011\u898f\u907f 8,000 \u5143\u95be\u503c\u5206\u62c6\u4ea4\u6613\uff1a\u6d77\u95dc\u67e5\u724c\u524d\u7dda\u6ac3\u4f4d\u76e3\u5bdf\u76f2\u9ede\u8207\u667a\u80fd\u9810\u8b66\u9632\u7dda"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img width=\"768\" height=\"768\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/mso-structuring-smurfing-alert.jpg\" alt=\"\u9999\u6e2f\u6301\u724c\u91d1\u9322\u670d\u52d9\u7d93\u71df\u8005 (MSO) 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\u5143\u95be\u503c\u5206\u62c6\u4ea4\u6613\uff1a\u6d77\u95dc\u67e5\u724c\u524d\u7dda\u6ac3\u4f4d\u76e3\u5bdf\u76f2\u9ede\u8207\u667a\u80fd\u9810\u8b66\u9632\u7dda<\/h2>\n<p>\u9999\u6e2f\u300a\u6253\u64ca\u6d17\u9322\u689d\u4f8b\u300b\uff08\u7b2c615\u7ae0\uff09\uff08Anti-Money Laundering and Counter-Terrorist Financing Ordinance, AMLO\uff09\u5c0d\u6301\u724c\u91d1\u9322\u670d\u52d9\u7d93\u71df\u8005\uff08Licensed Money Service Operators, MSO\uff09\u7684\u76e3\u7ba1\u65e5\u76ca\u56b4\u82db\uff0c\u9999\u6e2f\u6d77\u95dc\uff08Customs and Excise Department, C&#038;ED\uff09\u4f5c\u70ba\u4e3b\u8981\u76e3\u7ba1\u6a5f\u69cb\uff0c\u983b\u7e41\u9032\u884c\u73fe\u5834\u5be9\u67e5\u53ca\u7a81\u64ca\u6aa2\u67e5\u3002\u8fd1\u5e74\u4f86\uff0cC&#038;ED \u4e0d\u65b7\u5f37\u8abf MSO \u5fc5\u9808\u6709\u6548\u8b58\u5225\u548c\u6253\u64ca\u6d17\u9322\u53ca\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6\uff08Money Laundering and Terrorist Financing, ML\/TF\uff09\u6d3b\u52d5\uff0c\u7279\u5225\u662f\u91dd\u5c0d\u8a66\u5716\u898f\u907f\u76e3\u7ba1\u5be9\u67e5\u7684\u5206\u62c6\u4ea4\u6613\uff08Structuring \/ Smurfing\uff09\u884c\u70ba\u3002\u672a\u80fd\u6709\u6548\u8b58\u5225\u6b64\u985e\u98a8\u96aa\uff0c\u4e0d\u50c5\u5c07\u9762\u81e8\u5de8\u984d\u7f70\u6b3e\uff0c\u751a\u81f3\u53ef\u80fd\u5c0e\u81f4\u724c\u7167\u88ab\u540a\u92b7\uff0c\u5c0d MSO \u7684\u8072\u8b7d\u548c\u71df\u904b\u9020\u6210\u81f4\u547d\u6253\u64ca\u3002<\/p>\n<hr \/>\n<h3>\u6838\u5fc3\u76f2\u9ede\u4e00\uff1a\u4eba\u624b\u76e3\u5bdf\u6975\u9650\u8207\u5206\u62c6\u4ea4\u6613\uff08Structuring\uff09\u7684\u96b1\u853d\u6027<\/h3>\n<p>\u8a31\u591a MSO \u4f9d\u7136\u904e\u5ea6\u4f9d\u8cf4\u524d\u7dda\u54e1\u5de5\u7684\u4eba\u624b\u76e3\u5bdf\uff0c\u4ee5\u8b58\u5225\u53ef\u7591\u4ea4\u6613\u3002\u7136\u800c\uff0c\u5206\u62c6\u4ea4\u6613\uff08Structuring\uff09\uff0c\u5373\u5c07\u5927\u984d\u8cc7\u91d1\u62c6\u5206\u70ba\u591a\u7b46\u5c0f\u984d\u4ea4\u6613\uff0c\u4ee5\u898f\u907f\u55ae\u7b46\u4ea4\u6613\u5831\u544a\u95be\u503c\uff08\u4f8b\u5982\u300a\u6253\u64ca\u6d17\u9322\u689d\u4f8b\u300b\u4e0b\u91d1\u9322\u670d\u52d9\u7d93\u71df\u8005\u9808\u5411\u6d77\u95dc\u63d0\u4ea4\u55ae\u7b46\u6e2f\u5e638,000\u5143\u6216\u4ee5\u4e0a\u4ea4\u6613\u7684\u8a18\u9304\uff09\uff0c\u5176\u672c\u8cea\u5c31\u662f\u70ba\u4e86\u96b1\u85cf\u8cc7\u91d1\u4f86\u6e90\u6216\u53bb\u5411\u3002\u9019\u7a2e\u624b\u6cd5\u901a\u5e38\u6d89\u53ca\u591a\u500b\u532f\u6b3e\u4eba\u3001\u591a\u500b\u6536\u6b3e\u4eba\u3001\u5229\u7528\u4e0d\u540c\u6642\u9593\u9ede\u6216\u4e0d\u540c\u5206\u5e97\u9032\u884c\u4ea4\u6613\uff0c\u4f7f\u5f97\u55ae\u4e00\u524d\u7dda\u54e1\u5de5\u96e3\u4ee5\u5f9e\u788e\u7247\u5316\u7684\u8cc7\u8a0a\u4e2d\u8b58\u5225\u51fa\u6f5b\u5728\u7684\u95dc\u806f\u6027\uff0c\u5c0e\u81f4\u6d17\u9322\u6d3b\u52d5\u6709\u6a5f\u53ef\u4e58\u3002<\/p>\n<h3>\u6838\u5fc3\u76f2\u9ede\u4e8c\uff1a\u5ba2\u6236\u884c\u70ba\u6a21\u5f0f\u5206\u6790\u7f3a\u5931\u8207\u7570\u5e38\u4ea4\u6613\u7684\u300c\u6b63\u5e38\u5316\u300d<\/h3>\n<p>M\u200bSO \u5728\u57f7\u884c\u5ba2\u6236\u76e1\u8077\u5be9\u67e5\uff08Customer Due Diligence, CDD\uff09\u6642\uff0c\u5f80\u5f80\u53ea\u505c\u7559\u5728\u6536\u96c6\u57fa\u672c\u8eab\u4efd\u8cc7\u8a0a\uff0c\u800c\u7f3a\u4e4f\u5c0d\u5ba2\u6236\u4ea4\u6613\u884c\u70ba\u6a21\u5f0f\u7684\u6df1\u5165\u5206\u6790\u3002\u7576\u5ba2\u6236\u983b\u7e41\u9032\u884c\u5c0f\u984d\u3001\u9ad8\u983b\u4ea4\u6613\uff0c\u6216\u5176\u4ea4\u6613\u6a21\u5f0f\u8207\u5176\u5ba3\u7a31\u7684\u8077\u696d\u3001\u6536\u5165\u4f86\u6e90\u4e0d\u7b26\u6642\uff0c\u524d\u7dda\u54e1\u5de5\u53ef\u80fd\u56e0\u7f3a\u4e4f\u8a13\u7df4\u6216\u5de5\u5177\uff0c\u5c07\u9019\u4e9b\u7570\u5e38\u884c\u70ba\u300c\u6b63\u5e38\u5316\u300d\uff0c\u672a\u80fd\u89f8\u767c\u52a0\u5f37\u5ba2\u6236\u76e1\u8077\u5be9\u67e5\uff08Enhanced Customer Due Diligence, EDD\uff09\u3002\u9019\u7a2e\u5c0d\u300c\u7d05\u65d7\u300d\uff08Red Flags\uff09\u7684\u9ebb\u6728\uff0c\u6975\u6613\u8b93 MSO \u6dea\u70ba\u6d17\u9322\u6d3b\u52d5\u7684\u7ba1\u9053\u3002<\/p>\n<h3>\u6838\u5fc3\u76f2\u9ede\u4e09\uff1a\u7cfb\u7d71\u9810\u8b66\u95be\u503c\u8a2d\u5b9a\u50f5\u5316\u8207\u53cd\u898f\u907f\u6a5f\u5236\u4e0d\u8db3<\/h3>\n<p>\u90e8\u5206 MSO \u96d6\u5df2\u5f15\u5165\u4ea4\u6613\u76e3\u5bdf\u7cfb\u7d71\uff0c\u4f46\u5176\u9810\u8b66\u898f\u5247\u5f80\u5f80\u904e\u65bc\u50f5\u5316\uff0c\u50c5\u91dd\u5c0d\u55ae\u7b46\u4ea4\u6613\u91d1\u984d\u662f\u5426\u8d85\u51fa\u7279\u5b9a\u95be\u503c\u9032\u884c\u7be9\u67e5\u3002\u9762\u5c0d\u7cbe\u5fc3\u7b56\u5283\u7684\u5206\u62c6\u4ea4\u6613\uff0c\u4f8b\u5982\u540c\u4e00\u5ba2\u6236\u5728\u77ed\u6642\u9593\u5167\u5411\u4e0d\u540c\u6536\u6b3e\u4eba\u532f\u51fa\u591a\u7b46\u7565\u4f4e\u65bc\u95be\u503c\u7684\u6b3e\u9805\uff0c\u6216\u4e0d\u540c\u5ba2\u6236\u5411\u540c\u4e00\u6536\u6b3e\u4eba\u983b\u7e41\u532f\u51fa\u5c0f\u984d\u6b3e\u9805\uff0c\u50b3\u7d71\u7cfb\u7d71\u96e3\u4ee5\u81ea\u52d5\u5c07\u9019\u4e9b\u770b\u4f3c\u7368\u7acb\u7684\u4ea4\u6613\u95dc\u806f\u8d77\u4f86\u9032\u884c\u805a\u5408\u5206\u6790\u3002\u9019\u5c0e\u81f4\u7cfb\u7d71\u7121\u6cd5\u6709\u6548\u8b58\u5225\u898f\u907f\u884c\u70ba\uff0c\u53cd\u898f\u907f\uff08Anti-Circumvention\uff09\u6a5f\u5236\u5f62\u540c\u865b\u8a2d\u3002<\/p>\n<hr \/>\n<h3>\u5be6\u6230 SOP \u8207\u5408\u898f\u5efa\u8b70\uff1a\u7bc9\u7262\u5206\u62c6\u4ea4\u6613\u9632\u7dda<\/h3>\n<ul>\n<li><b>\u5f37\u5316\u524d\u7dda\u54e1\u5de5\u57f9\u8a13\uff08Front-line Staff Training\uff09\uff1a<\/b>\u5b9a\u671f\u5c0d\u524d\u7dda\u54e1\u5de5\u9032\u884c\u91dd\u5c0d\u5206\u62c6\u4ea4\u6613\u300c\u7d05\u65d7\u300d\uff08Red Flags\uff09\u7684\u5c08\u9580\u57f9\u8a13\uff0c\u5305\u62ec\u8b58\u5225\u983b\u7e41\u5c0f\u984d\u4ea4\u6613\u3001\u591a\u500b\u770b\u4f3c\u7121\u95dc\u806f\u5ba2\u6236\u5171\u7528\u540c\u4e00\u6536\u6b3e\u4eba\u3001\u5ba2\u6236\u5c0d\u4ea4\u6613\u76ee\u7684\u89e3\u91cb\u542b\u7cca\u4e0d\u6e05\u6216\u523b\u610f\u8ff4\u907f\u7b49\u60c5\u666f\uff0c\u4e26\u660e\u78ba\u89f8\u767c\u52a0\u5f37\u5ba2\u6236\u76e1\u8077\u5be9\u67e5\uff08EDD\uff09\u7684\u6a19\u6e96\u3002<\/li>\n<li><b>\u5be6\u65bd\u5ba2\u6236\u884c\u70ba\u6a21\u5f0f\u5206\u6790\uff08Customer Behavior Pattern Analysis\uff09\uff1a<\/b>\u5efa\u7acb\u5ba2\u6236\u4ea4\u6613\u6a94\u6848\uff0c\u904b\u7528\u6578\u64da\u5206\u6790\u5de5\u5177\u8ffd\u8e64\u5ba2\u6236\u7684\u6b77\u53f2\u4ea4\u6613\u6a21\u5f0f\u3001\u4ea4\u6613\u983b\u7387\u3001\u91d1\u984d\u5340\u9593\u3001\u532f\u6b3e\/\u6536\u6b3e\u5c0d\u8c61\u7b49\u3002\u4e00\u65e6\u51fa\u73fe\u8207\u5176\u6b63\u5e38\u884c\u70ba\u6a21\u5f0f\u986f\u8457\u504f\u96e2\u7684\u8de1\u8c61\uff0c\u61c9\u7acb\u5373\u555f\u52d5\u5167\u90e8\u5be9\u67e5\u6d41\u7a0b\uff0c\u4e26\u8003\u616e\u63d0\u4ea4\u53ef\u7591\u4ea4\u6613\u5831\u544a\uff08Suspicious Transaction Report, STR\uff09\u3002<\/li>\n<li><b>\u52d5\u614b\u8abf\u6574\u7cfb\u7d71\u9810\u8b66\u898f\u5247\uff08Dynamic System Alert Rules\uff09\uff1a<\/b>\u5347\u7d1a\u4ea4\u6613\u76e3\u5bdf\u7cfb\u7d71\uff0c\u4f7f\u5176\u80fd\u5920\u9032\u884c\u5be6\u6642\u6216\u8fd1\u5be6\u6642\u7684\u7d2f\u8a08\u4ea4\u6613\u984d\u76e3\u63a7\u3002\u8a2d\u5b9a\u57fa\u65bc\u6642\u9593\uff08\u4f8b\u598224\u5c0f\u6642\u30017\u5929\uff09\u548c\u95dc\u806f\u65b9\uff08\u4f8b\u5982\u540c\u4e00\u5730\u5740\u3001\u96fb\u8a71\u865f\u78bc\u3001\u96fb\u90f5\u6216\u9280\u884c\u5e33\u6236\uff09\u7684\u805a\u5408\u95be\u503c\uff0c\u81ea\u52d5\u8b58\u5225\u4e26\u9810\u8b66\u6f5b\u5728\u7684\u5206\u62c6\u4ea4\u6613\u6a21\u5f0f\u3002<\/li>\n<li><b>\u56b4\u683c\u57f7\u884c\u52a0\u5f37\u5ba2\u6236\u76e1\u8077\u5be9\u67e5\uff08Enhanced Customer Due Diligence, EDD\uff09\uff1a<\/b>\u5c0d\u65bc\u88ab\u7cfb\u7d71\u6a19\u8a18\u6216\u524d\u7dda\u54e1\u5de5\u8b58\u5225\u70ba\u9ad8\u98a8\u96aa\u7684\u5206\u62c6\u4ea4\u6613\u5acc\u7591\u5ba2\u6236\uff0c\u5fc5\u9808\u57f7\u884c\u5168\u9762\u7684 EDD\uff0c\u5305\u62ec\u6df1\u5165\u6838\u67e5\u8cc7\u91d1\u4f86\u6e90\u548c\u53bb\u5411\u3001\u8981\u6c42\u63d0\u4f9b\u984d\u5916\u652f\u6301\u6587\u4ef6\u3001\u4e26\u9032\u884c\u66f4\u983b\u7e41\u7684\u6301\u7e8c\u76e3\u5bdf\u3002<\/li>\n<\/ul>\n<p>\u9762\u5c0d C&#038;ED \u56b4\u5cfb\u7684\u57f7\u6cd5\u74b0\u5883\uff0c\u4eba\u624b\u5be9\u67e5\u7684\u5c40\u9650\u6027\u5df2\u65e5\u76ca\u51f8\u986f\u3002MSO \u5fc5\u9808\u7a4d\u6975\u64c1\u62b1\u79d1\u6280\uff0c\u5f15\u5165\u5148\u9032\u7684\u76e3\u7ba1\u79d1\u6280\uff08RegTech\uff09\u89e3\u6c7a\u65b9\u6848\uff0c\u4f8b\u5982 <a href=\"https:\/\/www.amlguidehk.com\/web\/\" target=\"_blank\">Cloudian\u2122 AML Portal \u6253\u64ca\u6d17\u9322\u7cfb\u7d71<\/a>\u3002\u6b64\u985e\u7cfb\u7d71\u80fd\u81ea\u52d5\u5316\u57f7\u884c\u540d\u55ae\u7be9\u67e5\uff08Sanctions Screening\uff09\u3001\u5be6\u76ca\u64c1\u6709\u4eba\uff08Beneficial Owner, 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