{"id":1187,"date":"2026-10-04T07:04:47","date_gmt":"2026-10-03T23:04:47","guid":{"rendered":"https:\/\/www.amlguidehk.com\/web\/insurance-broker-illegal-rebates-aml-risk\/"},"modified":"2026-10-04T07:04:47","modified_gmt":"2026-10-03T23:04:47","slug":"insurance-broker-illegal-rebates-aml-risk","status":"publish","type":"post","link":"https:\/\/www.amlguidehk.com\/web\/insurance-broker-illegal-rebates-aml-risk\/","title":{"rendered":"\u3010\u4fdd\u96aa\u7d93\u7d00\u8b66\u793a\u3011\u9055\u898f\u56de\u4f63\u6dea\u70ba\u6d17\u9322\u6eab\u5e8a\uff1a\u63ed\u9732\u4e2d\u4ecb\u4eba\u8cc7\u91d1\u6d17\u767d\u8207 AMLO \u5211\u4e8b\u5211\u8cac\uff01"},"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\/insurance-broker-illegal-rebates-aml-risk.jpg\" alt=\"\u9999\u6e2f\u4fdd\u96aa\u7d93\u7d00\u884c\u5408\u898f\u7e3d\u76e3\u5be9\u95b1\u53cd\u6d17\u9322\u6587\u4ef6\uff0c\u8b58\u5225\u9055\u898f\u56de\u4f63\u8207\u6f5b\u5728\u6d17\u9322\u98a8\u96aa\u3002\" class=\"wp-image-1186\" srcset=\"https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/insurance-broker-illegal-rebates-aml-risk.jpg 768w, https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/insurance-broker-illegal-rebates-aml-risk-300x300.jpg 300w, https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/insurance-broker-illegal-rebates-aml-risk-150x150.jpg 150w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n<h2>\u5f15\u8a00\uff1a\u9999\u6e2f\u4fdd\u96aa\u696d\u754c\u7684\u5408\u898f\u6697\u6d41\u8207\u6f5b\u5728\u5211\u8cac<\/h2>\n<p>\u8fd1\u5e74\u4f86\uff0c\u9999\u6e2f\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40 (Insurance Authority, IA) \u5c0d\u6301\u724c\u4fdd\u96aa\u7d93\u7d00\u884c (Licensed Insurance Brokers) \u7684\u53cd\u6d17\u9322\u53ca\u6253\u64ca\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6 (Anti-Money Laundering and Counter-Terrorist Financing, AML\/CTF) \u76e3\u7ba1\u529b\u5ea6\u6301\u7e8c\u5347\u7d1a\u3002\u9664\u4e86\u50b3\u7d71\u4e0a\u805a\u7126\u65bc\u5ba2\u6236\u5c64\u9762\u7684\u6d17\u9322\u98a8\u96aa\uff0c\u696d\u754c\u5f80\u5f80\u5ffd\u7565\u4e86\u5167\u90e8\u64cd\u4f5c\uff0c\u7279\u5225\u662f\u6d89\u53ca\u4fdd\u96aa\u4e2d\u4ecb\u4eba\u300c\u9055\u898f\u56de\u4f63\u300d\u6240\u884d\u751f\u7684\u91cd\u5927\u6d17\u9322 (Money Laundering, ML) \u6f0f\u6d1e\u3002\u9019\u4e9b\u770b\u4f3c\u5167\u90e8\u7684\u8ca1\u52d9\u884c\u70ba\uff0c\u4e00\u65e6\u88ab\u5229\u7528\u9032\u884c\u8cc7\u91d1\u6d17\u767d\uff0c\u4e0d\u50c5\u5c07\u56b4\u91cd\u9055\u53cd\u300a\u6253\u64ca\u6d17\u9322\u689d\u4f8b\u300b(Anti-Money Laundering and Counter-Terrorist Financing Ordinance, AMLO) (\u7b2c615\u7ae0) \u53ca\u300a\u6307\u5f15\u4e09\uff1a\u6253\u64ca\u6d17\u9322\u53ca\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6\u6307\u5f15\u300b(Guideline on Anti-Money Laundering and Counter-Terrorist Financing (For Licensed Insurance Brokers), GL3)\uff0c\u66f4\u53ef\u80fd\u5c0e\u81f4\u7d93\u7d00\u884c\u53ca\u5176\u9ad8\u7d1a\u7ba1\u7406\u5c64\u9762\u81e8\u5de8\u984d\u7f70\u6b3e\uff0c\u751a\u81f3\u5211\u4e8b\u8d77\u8a34\uff0c\u76f4\u63a5\u5a01\u8105\u724c\u7167\u5b89\u5168\u3002<\/p>\n<h3>\u6838\u5fc3\u76f2\u9ede\u4e00\uff1a\u9055\u898f\u56de\u4f63\u8207\u300c\u6d17\u9322\u300d\u7684\u6a21\u7cca\u754c\u7dda<\/h3>\n<p>\u8a31\u591a\u4fdd\u96aa\u7d93\u7d00\u884c\u5728\u8ffd\u6c42\u696d\u7e3e\u7684\u540c\u6642\uff0c\u5c0d\u300c\u56de\u4f63\u300d\u7684\u5408\u898f\u754c\u7dda\u8a8d\u8b58\u6a21\u7cca\u3002\u7576\u56de\u4f63\u652f\u4ed8\u8d85\u51fa\u6cd5\u5b9a\u6216\u516c\u53f8\u5167\u90e8\u898f\u5b9a\u7684\u9650\u984d\u3001\u672a\u7d93\u5145\u5206\u62ab\u9732\u3001\u6216\u900f\u904e\u975e\u6b63\u898f\u6e20\u9053\u8f49\u8cec\u6642\uff0c\u5373\u69cb\u6210\u300c\u9055\u898f\u56de\u4f63\u300d\u3002\u9019\u4e9b\u9055\u898f\u6b3e\u9805\u672c\u8eab\u53ef\u80fd\u6e90\u65bc\u8a50\u9a19\u3001\u9003\u7a05\u6216\u5176\u4ed6\u975e\u6cd5\u6d3b\u52d5\uff0c\u800c\u5176\u652f\u4ed8\u904e\u7a0b\u5247\u6210\u70ba\u300c\u6d17\u9322\u300d\u7684\u521d\u7d1a\u968e\u6bb5\uff0c\u5373\u300c\u7f6e\u653e\u300d(Placement)\u3002\u4e2d\u4ecb\u4eba\u82e5\u5c07\u9019\u4e9b\u6b3e\u9805\u6536\u53d6\u4e26\u8207\u5176\u5408\u6cd5\u4f63\u91d1\u6df7\u5408\uff0c\u518d\u900f\u904e\u500b\u4eba\u6216\u95dc\u806f\u516c\u53f8\u8cec\u6236\u9032\u884c\u8f49\u79fb\uff0c\u4fbf\u5be6\u8cea\u4e0a\u53c3\u8207\u4e86\u8cc7\u91d1\u6d17\u767d\u7684\u904e\u7a0b\uff0c\u70ba\u72af\u7f6a\u6536\u76ca\u7a7f\u4e0a\u300c\u5408\u6cd5\u5916\u8863\u300d\u3002<\/p>\n<h3>\u6838\u5fc3\u76f2\u9ede\u4e8c\uff1a\u7b2c\u4e09\u65b9\u652f\u4ed8\u8207\u8cc7\u91d1\u93c8\u65b7\u88c2\u7684\u98a8\u96aa<\/h3>\n<p>\u70ba\u898f\u907f\u76f4\u63a5\u76e3\u7ba1\uff0c\u90e8\u5206\u4e2d\u4ecb\u4eba\u6216\u5ba2\u6236\u6703\u8981\u6c42\u5c07\u56de\u4f63\u652f\u4ed8\u81f3\u8207\u4fdd\u55ae\u7576\u4e8b\u4eba\u7121\u76f4\u63a5\u95dc\u4fc2\u7684\u7b2c\u4e09\u65b9\u8cec\u6236\uff0c\u4f8b\u5982\u89aa\u53cb\u3001\u7a7a\u6bbc\u516c\u53f8\u6216\u6d77\u5916\u5be6\u9ad4\u3002\u9019\u7a2e\u300c\u7b2c\u4e09\u65b9\u652f\u4ed8\u300d\u624b\u6cd5\u6975\u6613\u9020\u6210\u8cc7\u91d1\u93c8\u65b7\u88c2\uff0c\u4ee4\u8cc7\u91d1\u6d41\u5411\u8b8a\u5f97\u4e0d\u900f\u660e\uff0c\u69cb\u6210\u5178\u578b\u7684\u300c\u5206\u5c64\u300d(Layering) \u6d17\u9322\u884c\u70ba\u3002\u7d93\u7d00\u884c\u82e5\u672a\u80fd\u5c0d\u9019\u4e9b\u7b2c\u4e09\u65b9\u6536\u6b3e\u4eba\u9032\u884c\u56b4\u683c\u7684\u5ba2\u6236\u76e1\u8077\u5be9\u67e5 (Customer Due Diligence, CDD) \u53ca\u5be6\u76ca\u64c1\u6709\u4eba (Beneficial Owner, BO) \u7a7f\u900f\u5be9\u67e5\uff0c\u6838\u5be6\u5176\u8207\u4fdd\u55ae\u6216\u4e2d\u4ecb\u4eba\u7684\u771f\u5be6\u95dc\u806f\u53ca\u8cc7\u91d1\u7684\u5408\u7406\u6027\uff0c\u5c07\u96e3\u4ee5\u8b58\u5225\u96b1\u85cf\u5728\u80cc\u5f8c\u7684\u6d17\u9322\u6d3b\u52d5\u3002<\/p>\n<h3>\u6838\u5fc3\u76f2\u9ede\u4e09\uff1a\u7f3a\u4e4f\u5c0d\u4e2d\u4ecb\u4eba\u500b\u4eba\u8cec\u6236\u8207\u696d\u52d9\u8cec\u6236\u7684\u6301\u7e8c\u76e3\u63a7<\/h3>\n<p>\u4fdd\u96aa\u7d93\u7d00\u884c\u666e\u904d\u5c07 AML \u76e3\u63a7\u91cd\u5fc3\u653e\u5728\u5ba2\u6236\u8eab\u4e0a\uff0c\u537b\u5f80\u5f80\u5ffd\u7565\u4e86\u5c0d\u5167\u90e8\u4e2d\u4ecb\u4eba\u81ea\u8eab\u8ca1\u52d9\u884c\u70ba\u7684\u6301\u7e8c\u76e3\u63a7\u3002\u7279\u5225\u662f\u7576\u4e2d\u4ecb\u4eba\u5c07\u5927\u984d\u4f63\u91d1\u6216\u56de\u4f63\u5f9e\u516c\u53f8\u8cec\u6236\u8f49\u5165\u5176\u500b\u4eba\u8cec\u6236\u5f8c\uff0c\u82e5\u8a72\u500b\u4eba\u8cec\u6236\u96a8\u5373\u51fa\u73fe\u7570\u5e38\u7684\u5927\u984d\u8f49\u8cec\u3001\u983b\u7e41\u73fe\u91d1\u63d0\u5b58\u6216\u532f\u5f80\u9ad8\u98a8\u96aa\u53f8\u6cd5\u7ba1\u8f44\u5340\uff0c\u9019\u4fbf\u662f\u4e00\u500b\u6f5b\u5728\u7684\u300c\u6d17\u9322\u7d05\u65d7\u300d(Red Flag)\u3002\u7f3a\u4e4f\u5c0d\u4e2d\u4ecb\u4eba\u8cc7\u91d1\u6d41\u5411\u7684\u5167\u90e8\u76e3\u63a7\u6a5f\u5236\uff0c\u4f7f\u5f97\u9019\u4e9b\u5229\u7528\u500b\u4eba\u8cec\u6236\u9032\u884c\u300c\u6574\u5408\u300d(Integration) \u7684\u6d17\u9322\u74b0\u7bc0\u96e3\u4ee5\u88ab\u53ca\u6642\u767c\u73fe\u3002<\/p>\n<hr \/>\n<h2>\u5be6\u6230 SOP \u8207\u5408\u898f\u5efa\u8b70\uff1a\u7bc9\u7262\u5167\u90e8\u9632\u7dda<\/h2>\n<ul>\n<li><strong>\u5f37\u5316\u56de\u4f63\u653f\u7b56\u8207\u62ab\u9732\u6a5f\u5236 (Enhanced Rebate Policy &#038; Disclosure):<\/strong> \u5236\u5b9a\u6e05\u6670\u3001\u56b4\u8b39\u7684\u56de\u4f63\u653f\u7b56\uff0c\u660e\u78ba\u5408\u6cd5\u4e0a\u9650\u3001\u652f\u4ed8\u65b9\u5f0f\u53ca\u56b4\u683c\u7684\u62ab\u9732\u8981\u6c42\u3002\u6240\u6709\u56de\u4f63\u652f\u4ed8\u5fc5\u9808\u6709\u5145\u5206\u7684\u66f8\u9762\u8a18\u9304\u548c\u660e\u78ba\u7684\u5be9\u6279\u6d41\u7a0b\uff0c\u4e26\u7531\u7368\u7acb\u90e8\u9580\u9032\u884c\u8986\u6838\u3002\u5c0d\u65bc\u6d89\u53ca\u7b2c\u4e09\u65b9\u652f\u4ed8\u7684\u56de\u4f63\uff0c\u5fc5\u9808\u555f\u52d5\u984d\u5916\u7684\u76e1\u8077\u5be9\u67e5 (Due Diligence, DD)\uff0c\u6838\u5be6\u7b2c\u4e09\u65b9\u8eab\u4efd\u3001\u5176\u8207\u5ba2\u6236\u6216\u4e2d\u4ecb\u4eba\u7684\u95dc\u4fc2\uff0c\u4e26\u8a55\u4f30\u5176\u5546\u696d\u5408\u7406\u6027\u3002<\/li>\n<li><strong>\u5be6\u65bd\u4e2d\u4ecb\u4eba\u8cc7\u91d1\u6d41\u5411\u76e3\u63a7 (Intermediary Fund Flow Monitoring):<\/strong> \u5efa\u7acb\u5167\u90e8\u6a5f\u5236\uff0c\u5c0d\u5927\u984d\u6216\u983b\u7e41\u7684\u56de\u4f63\u652f\u4ed8\u9032\u884c\u7570\u5e38\u6a21\u5f0f\u8b58\u5225\uff0c\u7279\u5225\u662f\u6d89\u53ca\u8de8\u5883\u6216\u8207\u4e2d\u4ecb\u4eba\u6b63\u5e38\u6536\u5165\u4e0d\u7b26\u7684\u4ea4\u6613\u3002\u76e3\u63a7\u4e2d\u4ecb\u4eba\u500b\u4eba\u8207\u696d\u52d9\u8cec\u6236\u4e4b\u9593\u7570\u5e38\u7684\u8cc7\u91d1\u6d41\u52d5\uff0c\u4f8b\u5982\u5927\u984d\u8cc7\u91d1\u5f9e\u696d\u52d9\u8cec\u6236\u8f49\u5165\u500b\u4eba\u8cec\u6236\u5f8c\u8fc5\u901f\u8f49\u51fa\u81f3\u5176\u4ed6\u672a\u77e5\u7b2c\u4e09\u65b9\uff0c\u6216\u8207\u9ad8\u98a8\u96aa\u5730\u5340\u983b\u7e41\u4ea4\u6613\u3002<\/li>\n<li><strong>\u5b9a\u671f\u5167\u90e8\u5be9\u8a08\u8207\u62bd\u67e5 (Regular Internal Audits &#038; Spot Checks):<\/strong> \u5b9a\u671f\u5c0d\u56de\u4f63\u652f\u4ed8\u8a18\u9304\u3001\u76f8\u95dc\u5408\u540c\u3001\u4e2d\u4ecb\u4eba\u8cbb\u7528\u5831\u92b7\u53ca\u5176\u4ed6\u6d89\u53ca\u8cc7\u91d1\u6d41\u52d5\u7684\u5167\u90e8\u6587\u4ef6\u9032\u884c\u56b4\u683c\u7684\u5167\u90e8\u5be9\u8a08\u8207\u62bd\u67e5\u3002\u5be9\u8a08\u61c9\u6db5\u84cb\u5f9e\u6e90\u982d\u5230\u6700\u7d42\u652f\u4ed8\u7684\u5168\u6d41\u7a0b\uff0c\u7279\u5225\u662f\u91dd\u5c0d\u6d89\u53ca\u9ad8\u98a8\u96aa\u5ba2\u6236\u3001\u9ad8\u984d\u4fdd\u55ae\u6216\u7570\u5e38\u4ea4\u6613\u6a21\u5f0f\u7684\u500b\u6848\u3002<\/li>\n<li><strong>\u54e1\u5de5\u53cd\u6d17\u9322\u57f9\u8a13\u6df1\u5316 (Deepened AML Training for Staff):<\/strong> \u5c07\u9055\u898f\u56de\u4f63\u98a8\u96aa\u8b58\u5225\u7d0d\u5165\u5e38\u898f\u53cd\u6d17\u9322\u57f9\u8a13\u5167\u5bb9\u3002\u6559\u80b2\u6240\u6709\u54e1\u5de5\uff0c\u7279\u5225\u662f\u524d\u7dda\u92b7\u552e\u53ca\u5f8c\u52e4\u8ca1\u52d9\u4eba\u54e1\uff0c\u8b58\u5225\u7570\u5e38\u56de\u4f63\u8acb\u6c42\u3001\u53ef\u7591\u652f\u4ed8\u6307\u793a\uff0c\u4e26\u9f13\u52f5\u5176\u901a\u904e\u5167\u90e8\u6e20\u9053\uff08\u5982\u8209\u5831\u71b1\u7dda Whistleblowing Hotline\uff09\u53ca\u6642\u5831\u544a\u6f5b\u5728\u7684\u9055\u898f\u884c\u70ba\u6216\u6d17\u9322\u7d05\u65d7\u3002<\/li>\n<\/ul>\n<h2>\u7e3d\u7d50\uff1a\u79d1\u6280\u8ce6\u80fd\u5408\u898f\uff0c\u5b88\u8b77\u724c\u7167\u5b89\u5168<\/h2>\n<p>\u9762\u5c0d\u65e5\u76ca\u8907\u96dc\u7684\u6d17\u9322\u624b\u6cd5\u53ca\u76e3\u7ba1\u6a5f\u69cb\u7684\u9ad8\u58d3\u57f7\u6cd5\uff0c\u55ae\u7d14\u4f9d\u8cf4\u4eba\u624b\u5be9\u67e5\u5df2\u96e3\u4ee5\u61c9\u5c0d\u6d77\u91cf\u7684\u4ea4\u6613\u6578\u64da\u548c\u4e0d\u65b7\u6f14\u8b8a\u7684\u98a8\u96aa\u3002\u6301\u724c\u4fdd\u96aa\u7d93\u7d00\u884c\u5fc5\u9808\u7a4d\u6975\u64c1\u62b1 RegTech\uff08\u76e3\u7ba1\u79d1\u6280\uff09\u89e3\u6c7a\u65b9\u6848\uff0c\u4f8b\u5982\u63a1\u7528 Cloudian\u2122 AML Portal \u6253\u64ca\u6d17\u9322\u7cfb\u7d71\u3002\u8a72\u7cfb\u7d71\u80fd\u5be6\u73fe\u81ea\u52d5\u5316\u540d\u55ae\u7be9\u67e5 (Sanction Screening)\u3001\u5be6\u76ca\u64c1\u6709\u4eba (BO) 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