{"id":1251,"date":"2026-10-16T07:00:49","date_gmt":"2026-10-15T23:00:49","guid":{"rendered":"https:\/\/www.amlguidehk.com\/web\/insurance-broker-premium-financing-aml\/"},"modified":"2026-10-16T07:00:49","modified_gmt":"2026-10-15T23:00:49","slug":"insurance-broker-premium-financing-aml","status":"publish","type":"post","link":"https:\/\/www.amlguidehk.com\/web\/insurance-broker-premium-financing-aml\/","title":{"rendered":"\u3010\u4fdd\u96aa\u7d93\u7d00\u6df1\u5ea6\u8b66\u793a\u3011\u63ed\u79d8\u4fdd\u55ae\u878d\u8cc7\u6d17\u9322\u65b0\u6e20\u9053\uff1a\u69d3\u687f\u64cd\u4f5c\u4e0b\u7684\u8cc7\u91d1\u6f02\u767d\u8207\u5408\u898f\u5be9\u67e5\u76f2\u9ede"},"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-premium-financing-aml.jpg\" alt=\"\u9999\u6e2f\u4fdd\u96aa\u7d93\u7d00\u884c\u5408\u898f\u7e3d\u76e3\u5be9\u67e5\u4fdd\u55ae\u878d\u8cc7\u6587\u4ef6\uff0c\u8b58\u5225\u6d17\u9322\u98a8\u96aa\uff0c\u5f37\u8abf\u53cd\u6d17\u9322\u5408\u898f\u91cd\u8981\u6027\u3002\" class=\"wp-image-1250\" srcset=\"https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/insurance-broker-premium-financing-aml.jpg 768w, https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/insurance-broker-premium-financing-aml-300x300.jpg 300w, https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/10\/insurance-broker-premium-financing-aml-150x150.jpg 150w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n<h2>\u4fdd\u76e3\u5c40\u9ad8\u58d3\u4e0b\uff0c\u4fdd\u55ae\u878d\u8cc7\u6dea\u70ba\u6d17\u9322\u65b0\u6eab\u5e8a\uff1f<\/h2>\n<p>\u5728\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40 (Insurance Authority, IA) \u65e5\u76ca\u56b4\u5cfb\u7684\u5408\u898f\u5be9\u67e5\u58d3\u529b\u4e0b\uff0c\u6301\u724c\u4fdd\u96aa\u7d93\u7d00\u884c (Licensed Insurance Brokers) \u9762\u81e8\u524d\u6240\u672a\u6709\u7684\u6311\u6230\u3002\u9664\u4e86\u50b3\u7d71\u7684\u6d17\u9322\u98a8\u96aa\uff0c\u8fd1\u5e74\u4f86\uff0c\u8907\u96dc\u7684\u300c\u4fdd\u55ae\u878d\u8cc7 (Premium Financing)\u300d\u64cd\u4f5c\u5df2\u9010\u6f38\u6d6e\u73fe\u70ba\u4e0d\u6cd5\u5206\u5b50\u9032\u884c\u8cc7\u91d1\u6f02\u767d\u7684\u65b0\u8208\u6e20\u9053\u3002\u6b64\u985e\u9ad8\u69d3\u687f\u4ea4\u6613\u6d89\u53ca\u5de8\u984d\u8cc7\u91d1\u6d41\u52d5\u53ca\u591a\u65b9\u53c3\u8207\uff0c\u82e5\u7d93\u7d00\u884c\u672a\u80fd\u5c65\u884c\u300a\u6253\u64ca\u6d17\u9322\u53ca\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6\u689d\u4f8b\u300b\uff08Anti-Money Laundering and Counter-Terrorist Financing Ordinance, AMLO\uff0c\u7b2c615\u7ae0\uff09\u53ca\u300a\u6307\u5f15\u4e09\uff1a\u6253\u64ca\u6d17\u9322\u53ca\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6\u6307\u5f15\u300b\uff08Guideline on Anti-Money Laundering and Counter-Terrorist Financing, GL3\uff09\u6240\u898f\u5b9a\u7684\u5ba2\u6236\u76e1\u8077\u5be9\u67e5 (Customer Due Diligence, CDD) \u8cac\u4efb\uff0c\u8f15\u5247\u9762\u81e8\u5de8\u984d\u7f70\u6b3e\uff0c\u91cd\u5247\u724c\u7167\u88ab\u540a\u92b7\uff0c\u751a\u81f3\u627f\u64d4\u5211\u4e8b\u8cac\u4efb\u3002<\/p>\n<hr \/>\n<h3>\u8907\u96dc\u8cc7\u91d1\u6d41\u52d5\u4e0b\u7684\u5be6\u76ca\u64c1\u6709\u4eba\uff08BO\uff09\u96e3\u4ee5\u7a7f\u900f<\/h3>\n<p>\u4fdd\u55ae\u878d\u8cc7\u4ea4\u6613\u5f80\u5f80\u6d89\u53ca\u9ad8\u6de8\u503c\u5ba2\u6236 (High-Net-Worth Individuals, HNWIs) \u6216\u4f01\u696d\u5ba2\u6236\uff0c\u4ed6\u5011\u53ef\u80fd\u900f\u904e\u591a\u5c64\u6b21\u7684\u96e2\u5cb8\u516c\u53f8\u6216\u4fe1\u8a17\u7d50\u69cb\u9032\u884c\u6295\u4fdd\u53ca\u878d\u8cc7\u3002\u9019\u4f7f\u5f97\u8b58\u5225\u6700\u7d42\u7684\u5be6\u76ca\u64c1\u6709\u4eba (Beneficial Owner, BO) \u8b8a\u5f97\u7570\u5e38\u56f0\u96e3\uff0c\u70ba\u6d17\u9322\u8005\u63d0\u4f9b\u4e86\u5b8c\u7f8e\u7684\u96b1\u533f\u7a7a\u9593\u3002\u7576\u7121\u6cd5\u6e05\u6670\u7a7f\u900f BO \u6642\uff0c\u4fdd\u96aa\u7d93\u7d00\u884c\u4fbf\u7121\u6cd5\u6709\u6548\u9a57\u8b49\u5176\u8cc7\u91d1\u4f86\u6e90 (Source of Funds, SOF) \u53ca\u8ca1\u5bcc\u4f86\u6e90 (Source of Wealth, SOW)\uff0c\u70ba\u975e\u6cd5\u8cc7\u91d1\u6d41\u5165\u6253\u958b\u7f3a\u53e3\u3002<\/p>\n<h3>\u62b5\u62bc\u8cc7\u7522\u8207\u878d\u8cc7\u8cb8\u6b3e\u7684\u300c\u5f71\u5b50\u300d\u4f86\u6e90<\/h3>\n<p>\u5728\u4fdd\u55ae\u878d\u8cc7\u4e2d\uff0c\u5ba2\u6236\u5e38\u4ee5\u5176\u4ed6\u91d1\u878d\u8cc7\u7522\uff08\u5982\u5176\u4ed6\u4fdd\u55ae\u3001\u8b49\u5238\u3001\u4e0d\u52d5\u7522\uff09\u4f5c\u70ba\u62b5\u62bc\u54c1\uff0c\u6216\u900f\u904e\u7b2c\u4e09\u65b9\u7372\u53d6\u878d\u8cc7\u8cb8\u6b3e\u3002\u82e5\u7d93\u7d00\u884c\u50c5\u5be9\u67e5\u4fdd\u8cbb\u7684\u76f4\u63a5\u4f86\u6e90\uff0c\u800c\u5ffd\u7565\u4e86\u5c0d\u62b5\u62bc\u8cc7\u7522\u7684\u771f\u5be6\u5408\u6cd5\u6027\uff0c\u6216\u878d\u8cc7\u8cb8\u6b3e\u80cc\u5f8c\u662f\u5426\u5b58\u5728\u53ef\u7591\u7684\u7b2c\u4e09\u65b9\u8cc7\u91d1\uff0c\u4fbf\u53ef\u80fd\u7121\u610f\u4e2d\u4fc3\u6210\u6d17\u9322\u6d3b\u52d5\u3002\u9019\u4e9b\u300c\u5f71\u5b50\u300d\u8cc7\u91d1\u4f86\u6e90\u5f80\u5f80\u96e3\u4ee5\u8ffd\u8e64\uff0c\u662f\u6d17\u9322\u8005\u5229\u7528\u4fdd\u55ae\u878d\u8cc7\u9032\u884c\u8cc7\u7522\u8f49\u63db\u3001\u96b1\u85cf\u72af\u7f6a\u6240\u5f97\u7684\u95dc\u9375\u74b0\u7bc0\u3002<\/p>\n<h3>\u77ed\u671f\u5167\u983b\u7e41\u7684\u4fdd\u55ae\u8f49\u8b93\u8207\u518d\u878d\u8cc7\u98a8\u96aa<\/h3>\n<p>\u7576\u4fdd\u55ae\u5728\u77ed\u671f\u5167\u88ab\u983b\u7e41\u8f49\u8b93\u7d66\u4e0d\u540c\u5be6\u9ad4\uff0c\u6216\u4fdd\u55ae\u6301\u6709\u4eba\u5229\u7528\u5176\u73fe\u91d1\u50f9\u503c\u9032\u884c\u591a\u6b21\u518d\u878d\u8cc7\uff0c\u5176\u80cc\u5f8c\u53ef\u80fd\u96b1\u85cf\u8457\u5c07\u975e\u6cd5\u8cc7\u91d1\u300c\u6d17\u767d\u300d\u5f8c\u5feb\u901f\u5957\u73fe\u3001\u8f49\u79fb\u8cc7\u7522\u7684\u610f\u5716\u3002\u9019\u7a2e\u7570\u5e38\u7684\u4ea4\u6613\u6a21\u5f0f\uff0c\u82e5\u7f3a\u4e4f\u6df1\u5165\u7684\u5546\u696d\u908f\u8f2f\u5206\u6790\u8207\u6301\u7e8c\u76e3\u5bdf (Ongoing Monitoring)\uff0c\u6975\u6613\u6210\u70ba\u6d17\u9322\u7684\u300c\u7d05\u65d7 (Red Flag)\u300d\u3002\u7d93\u7d00\u884c\u5fc5\u9808\u8b66\u60d5\u6b64\u985e\u884c\u70ba\uff0c\u4e26\u89f8\u767c\u52a0\u5f37\u76e1\u8077\u5be9\u67e5 (Enhanced Due Diligence, EDD)\u3002<\/p>\n<h3>\u9ad8\u98a8\u96aa\u53f8\u6cd5\u7ba1\u8f44\u5340\u8207\u653f\u6cbb\u654f\u611f\u4eba\u7269\uff08PEP\uff09\u7684\u96b1\u533f\u53c3\u8207<\/h3>\n<p>\u67d0\u4e9b\u4fdd\u55ae\u878d\u8cc7\u4ea4\u6613\u53ef\u80fd\u6d89\u53ca\u4f86\u81ea\u9ad8\u98a8\u96aa\u53f8\u6cd5\u7ba1\u8f44\u5340\u7684\u5ba2\u6236\uff0c\u6216\u8207\u653f\u6cbb\u654f\u611f\u4eba\u7269 (Politically Exposed Persons, PEPs) \u53ca\u5176\u95dc\u806f\u4eba\u58eb (Associates) \u6709\u95dc\u3002\u9019\u4e9b\u60c5\u6cc1\u986f\u8457\u589e\u52a0\u4e86\u6d17\u9322\u548c\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6 (Terrorist Financing, TF) \u7684\u98a8\u96aa\u3002\u82e5\u7d93\u7d00\u884c\u5728\u5ba2\u6236\u76e1\u8077\u5be9\u67e5\u968e\u6bb5\u672a\u80fd\u6709\u6548\u8b58\u5225\u9019\u4e9b\u9ad8\u98a8\u96aa\u56e0\u7d20\uff0c\u4e26\u6309\u7167 GL3 \u8981\u6c42\u9032\u884c\u56b4\u683c\u7684 EDD \u548c\u9ad8\u7d1a\u7ba1\u7406\u5c64 (Senior Management) \u5be9\u6279\uff0c\u5c07\u9762\u81e8\u56b4\u91cd\u7684\u5408\u898f\u6f0f\u6d1e\u3002<\/p>\n<hr \/>\n<h2>\u5be6\u6230\u5408\u898f\u9632\u7dda\u8207\u6392\u67e5\u5efa\u8b70<\/h2>\n<ul>\n<li><strong>\u6df1\u5316\u5be6\u76ca\u64c1\u6709\u4eba (BO) \u7a7f\u900f\u5be9\u67e5\uff1a<\/strong> \u5c0d\u6240\u6709\u53c3\u8207\u4fdd\u55ae\u878d\u8cc7\u7684\u5ba2\u6236\u53ca\u76f8\u95dc\u65b9\uff08\u5305\u62ec\u64d4\u4fdd\u4eba\u3001\u62b5\u62bc\u54c1\u63d0\u4f9b\u8005\uff09\uff0c\u9032\u884c\u591a\u5c64\u6b21\u7684 BO \u7a7f\u900f\uff0c\u7279\u5225\u662f\u6d89\u53ca\u8907\u96dc\u6cd5\u5718\u7d50\u69cb\u6216\u4fe1\u8a17\u5b89\u6392\u6642\uff0c\u52d9\u5fc5\u8ffd\u6eaf\u81f3\u6700\u7d42\u81ea\u7136\u4eba\u5be6\u76ca\u64c1\u6709\u4eba\u3002<\/li>\n<li><strong>\u56b4\u683c\u9a57\u8b49\u8cc7\u91d1\u4f86\u6e90 (SOF) \u8207\u8ca1\u5bcc\u4f86\u6e90 (SOW)\uff1a<\/strong> \u4e0d\u50c5\u9700\u5be9\u67e5\u4fdd\u8cbb\u7684\u76f4\u63a5\u652f\u4ed8\u4f86\u6e90\uff0c\u66f4\u8981\u5c0d\u7528\u65bc\u62b5\u62bc\u7684\u8cc7\u7522\u4f86\u6e90\u53ca\u878d\u8cc7\u8cb8\u6b3e\u7684\u6700\u7d42\u63d0\u4f9b\u8005\u9032\u884c\u80cc\u666f\u8abf\u67e5\uff0c\u78ba\u4fdd\u8cc7\u91d1\u6d41\u5411\u7684\u5408\u7406\u6027\u3001\u900f\u660e\u6027\u8207\u5408\u6cd5\u6027\u3002<\/li>\n<li><strong>\u5efa\u7acb\u300c\u7d05\u65d7\u300d\u6307\u6a19\u8207\u7570\u5e38\u4ea4\u6613\u76e3\u6e2c\u6a5f\u5236\uff1a<\/strong> \u91dd\u5c0d\u77ed\u671f\u5167\u4fdd\u55ae\u8f49\u8b93\u3001\u9ad8\u984d\u8cb8\u6b3e\u7a81\u7136\u511f\u9084\u3001\u6d89\u53ca\u9ad8\u98a8\u96aa\u53f8\u6cd5\u7ba1\u8f44\u5340\u6216\u653f\u6cbb\u654f\u611f\u4eba\u7269 (PEPs) \u7684\u4ea4\u6613\uff0c\u8a2d\u5b9a\u81ea\u52d5\u5316\u8b66\u793a\uff0c\u4e26\u89f8\u767c\u52a0\u5f37\u76e1\u8077\u5be9\u67e5 (EDD)\u3002<\/li>\n<li><strong>\u843d\u5be6\u9ad8\u7d1a\u7ba1\u7406\u5c64 (Senior Management) \u5be9\u6279\u5236\u5ea6\uff1a<\/strong> \u5c0d\u6240\u6709\u88ab\u8b58\u5225\u70ba\u9ad8\u98a8\u96aa\u7684\u4fdd\u55ae\u878d\u8cc7\u4ea4\u6613\uff0c\u5fc5\u9808\u63d0\u4ea4\u81f3\u9ad8\u7d1a\u7ba1\u7406\u5c64\u5be9\u6838\u6279\u51c6\uff0c\u4e26\u8a73\u76e1\u8a18\u9304\u6c7a\u7b56\u904e\u7a0b\u3001\u98a8\u96aa\u8a55\u4f30\u53ca\u7de9\u89e3\u63aa\u65bd\uff0c\u4ee5\u7b26\u5408\u76e3\u7ba1\u8981\u6c42\u3002<\/li>\n<\/ul>\n<hr \/>\n<h2>\u79d1\u6280\u8ce6\u80fd\uff1a\u7bc9\u7262\u5408\u898f\u9632\u7dda\uff0c\u4fdd\u969c\u724c\u7167\u5b89\u5168<\/h2>\n<p>\u9762\u5c0d\u4fdd\u55ae\u878d\u8cc7\u65e5\u76ca\u8907\u96dc\u7684\u6d17\u9322\u98a8\u96aa\uff0c\u55ae\u7d14\u4f9d\u9760\u4eba\u624b\u5be9\u67e5\u5df2\u529b\u4e0d\u5f9e\u5fc3\u3002\u4fdd\u96aa\u7d93\u7d00\u884c\u4e9f\u9700\u5f15\u5165\u5148\u9032\u7684\u76e3\u7ba1\u79d1\u6280 (RegTech) \u5de5\u5177\uff0c\u4f8b\u5982 Cloudian\u2122 AML Portal \u6253\u64ca\u6d17\u9322\u7cfb\u7d71\u3002\u8a72\u7cfb\u7d71\u80fd\u5920\u81ea\u52d5\u5316\u57f7\u884c\u5ba2\u6236\u76e1\u8077\u5be9\u67e5 (CDD)\u3001\u5be6\u6642\u9032\u884c\u540d\u55ae\u7be9\u67e5 (Sanctions and Watchlist Screening)\u3001\u6df1\u5ea6\u7a7f\u900f\u5be6\u76ca\u64c1\u6709\u4eba (BO) \u7d50\u69cb\u3001\u76e3\u6e2c\u4ea4\u6613\u7570\u5e38\u6a21\u5f0f\uff0c\u4e26\u81ea\u52d5\u751f\u6210\u96fb\u5b50\u5be9\u6838\u5e95\u7a3f\u5099\u5b58 (Electronic Audit 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