{"id":1366,"date":"2026-11-06T07:01:53","date_gmt":"2026-11-05T23:01:53","guid":{"rendered":"https:\/\/www.amlguidehk.com\/web\/money-lender-aml-pep-va-mlro-compliance\/"},"modified":"2026-11-06T07:01:53","modified_gmt":"2026-11-05T23:01:53","slug":"money-lender-aml-pep-va-mlro-compliance","status":"publish","type":"post","link":"https:\/\/www.amlguidehk.com\/web\/money-lender-aml-pep-va-mlro-compliance\/","title":{"rendered":"\u3010\u653e\u50b5\u4ebaAML\u65b0\u524d\u7dda\u3011\u63ed\u793aPEP\u3001\u865b\u64ec\u8cc7\u7522\u6d17\u9322\u98a8\u96aa\u8207MLRO\u7368\u7acb\u6027\u5408\u898f\u76f2\u9ede\uff1a\u8b66\u52d9\u8655\u9ad8\u58d3\u4e0b\u7684\u724c\u7167\u81ea\u4fdd\u7b56\u7565"},"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\/11\/money-lender-aml-pep-va-mlro-compliance.jpg\" alt=\"\u9999\u6e2f\u6301\u724c\u653e\u50b5\u4eba\u5408\u898f\u4e3b\u4efb\u5be9\u95b1\u653f\u6cbb\u654f\u611f\u4eba\u7269 (PEP) \u540d\u55ae\u53ca\u865b\u64ec\u8cc7\u7522\u4ea4\u6613\u6587\u4ef6\uff0c\u8b66\u793a\u6d17\u9322\u98a8\u96aa\" class=\"wp-image-1365\" srcset=\"https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/11\/money-lender-aml-pep-va-mlro-compliance.jpg 768w, https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/11\/money-lender-aml-pep-va-mlro-compliance-300x300.jpg 300w, https:\/\/www.amlguidehk.com\/web\/wp-content\/uploads\/2026\/11\/money-lender-aml-pep-va-mlro-compliance-150x150.jpg 150w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n<h2>\u653e\u50b5\u4eba\u884c\u696d\u6d17\u9322\u9632\u5236\u65b0\u6311\u6230\uff1a\u8b66\u52d9\u8655\u8207\u516c\u53f8\u8a3b\u518a\u8655\u96d9\u91cd\u5be9\u67e5\u4e0b\u7684\u5408\u898f\u6df1\u6df5<\/h2>\n<p>\u9999\u6e2f\u4f5c\u70ba\u570b\u969b\u91d1\u878d\u4e2d\u5fc3\uff0c\u4e00\u76f4\u81f4\u529b\u65bc\u6253\u64ca\u6d17\u9322\u53ca\u6050\u6016\u5206\u5b50\u8cc7\u91d1\u7c4c\u96c6 (Anti-Money Laundering and Counter-Terrorist Financing, AML\/CTF)\u3002\u8fd1\u5e74\u4f86\uff0c\u91dd\u5c0d\u6301\u724c\u653e\u50b5\u4eba (Licensed Money Lenders) \u7684\u76e3\u7ba1\u529b\u5ea6\u986f\u8457\u52a0\u5f37\u3002\u9999\u6e2f\u8b66\u52d9\u8655 (Hong Kong Police Force) \u724c\u7167\u8ab2\u53ca\u516c\u53f8\u8a3b\u518a\u8655 (Companies Registry) \u653e\u50b5\u4eba\u8a3b\u518a\u8655\u7684\u7a81\u64ca\u5be9\u67e5\u8207\u65e5\u5e38\u76e3\u5bdf\u65e5\u8da8\u983b\u7e41\uff0c\u5c0d\u884c\u696d\u7684\u5408\u898f\u8981\u6c42\u4ea6\u6c34\u6f32\u8239\u9ad8\u3002\u672a\u80fd\u6709\u6548\u8b58\u5225\u4e26\u9632\u7bc4\u6d17\u9322\u98a8\u96aa\u7684\u653e\u50b5\u4eba\uff0c\u4e0d\u50c5\u9762\u81e8\u5de8\u984d\u7f70\u6b3e\uff0c\u66f4\u53ef\u80fd\u5c0e\u81f4\u724c\u7167\u88ab\u64a4\u92b7\uff0c\u65b7\u9001\u696d\u52d9\u751f\u6a5f\u3002\u672c\u6587\u5c07\u6df1\u5165\u5256\u6790\u7576\u524d\u696d\u754c\u6700\u6613\u758f\u5ffd\u7684\u5408\u898f\u76f2\u9ede\uff0c\u4e26\u63d0\u4f9b\u5be6\u6230\u7d1a\u61c9\u5c0d\u7b56\u7565\u3002<\/p>\n<hr \/>\n<h3>\u653f\u6cbb\u654f\u611f\u4eba\u7269 (PEP) \u53ca\u53d7\u5236\u88c1\u5c0d\u8c61\u7684\u300c\u6301\u7e8c\u76e3\u5bdf\u300d\u7f3a\u5931<\/h3>\n<p>\u6301\u724c\u653e\u50b5\u4eba\u5c0d\u300c\u653f\u6cbb\u654f\u611f\u4eba\u7269\u300d (Politically Exposed Persons, PEPs) \u53ca\u53d7\u5236\u88c1\u5c0d\u8c61\u7684\u76e1\u8077\u5be9\u67e5 (Due Diligence, DD) \u5f80\u5f80\u6b62\u65bc\u521d\u59cb\u968e\u6bb5\u7684\u8fa8\u8b58\u3002\u7136\u800c\uff0c\u76e3\u7ba1\u6a5f\u69cb\u65e5\u76ca\u5f37\u8abf\u7684\u662f\u300c\u6301\u7e8c\u76e1\u8077\u5be9\u67e5\u300d (Ongoing Due Diligence, ODD) \u7684\u91cd\u8981\u6027\u3002PEP \u7684\u8eab\u4efd\u72c0\u614b\u53ef\u80fd\u96a8\u6642\u9593\u8b8a\u5316\uff0c\u53d7\u5236\u88c1\u540d\u55ae\u4ea6\u6703\u52d5\u614b\u66f4\u65b0\u3002\u82e5\u653e\u50b5\u4eba\u5728\u5ba2\u6236\u95dc\u4fc2\u5b58\u7e8c\u671f\u9593\uff0c\u672a\u80fd\u5efa\u7acb\u6709\u6548\u7684\u52d5\u614b\u76e3\u5bdf\u6a5f\u5236\uff0c\u4e00\u65e6\u5176\u5ba2\u6236\u6216\u5ba2\u6236\u7684\u5be6\u76ca\u64c1\u6709\u4eba (Beneficial Owner, BO) \u88ab\u8b58\u5225\u70ba PEP \u6216\u5217\u5165\u5236\u88c1\u540d\u55ae\uff0c\u800c\u653e\u50b5\u4eba\u4ecd\u8207\u4e4b\u7dad\u6301\u696d\u52d9\u95dc\u4fc2\u6216\u9032\u884c\u4ea4\u6613\uff0c\u5c07\u76f4\u63a5\u89f8\u72af\u300a\u6253\u64ca\u6d17\u9322\u689d\u4f8b\u300b\uff08\u7b2c615\u7ae0\uff09 (Anti-Money Laundering and Counter-Terrorist Financing Ordinance, Cap. 615) \u76f8\u95dc\u898f\u5b9a\uff0c\u9762\u81e8\u56b4\u5cfb\u7684\u6cd5\u5f8b\u98a8\u96aa\u3002<\/p>\n<h3>\u865b\u64ec\u8cc7\u7522 (Virtual Assets) \u76f8\u95dc\u8cc7\u91d1\u4f86\u6e90\u8207\u9084\u6b3e\u98a8\u96aa<\/h3>\n<p>\u96a8\u8457\u865b\u64ec\u8cc7\u7522 (Virtual Assets, VAs) \u7684\u666e\u53ca\uff0c\u6d17\u9322\u72af\u7f6a\u5206\u5b50\u6b63\u5229\u7528\u5176\u533f\u540d\u6027\u8207\u8de8\u5883\u6d41\u901a\u6027\u4f86\u96b1\u533f\u975e\u6cd5\u8cc7\u91d1\u4f86\u6e90\u3002\u653e\u50b5\u4eba\u53ef\u80fd\u5728\u4e0d\u81ea\u77e5\u7684\u60c5\u6cc1\u4e0b\uff0c\u5411\u5f9e\u865b\u64ec\u8cc7\u7522\u4ea4\u6613\u4e2d\u7372\u53d6\u4e0d\u660e\u8cc7\u91d1\u7684\u501f\u6b3e\u4eba\u63d0\u4f9b\u8cb8\u6b3e\uff0c\u6216\u63a5\u53d7\u865b\u64ec\u8cc7\u7522\u76f8\u95dc\u6536\u76ca\u4f5c\u70ba\u9084\u6b3e\u4f86\u6e90\u3002\u82e5\u672a\u80fd\u5c0d\u5ba2\u6236\u7684\u8ca1\u5bcc\u4f86\u6e90 (Source of Wealth, SOW) \u53ca\u8cc7\u91d1\u4f86\u6e90 (Source of Funds, SOF) \u9032\u884c\u7a7f\u900f\u6027\u5be9\u67e5\uff0c\u7279\u5225\u662f\u7576\u6d89\u53ca\u865b\u64ec\u8cc7\u7522\u4ea4\u6613\u6642\uff0c\u5c07\u96e3\u4ee5\u5224\u65b7\u8cc7\u91d1\u7684\u5408\u6cd5\u6027\u3002\u9019\u4e0d\u50c5\u589e\u52a0\u4e86\u6d17\u9322\u98a8\u96aa\uff0c\u4e5f\u53ef\u80fd\u56e0\u672a\u80fd\u6709\u6548\u8b58\u5225\u53ef\u7591\u4ea4\u6613\u800c\u672a\u5448\u5831\u300c\u53ef\u7591\u4ea4\u6613\u5831\u544a\u300d (Suspicious Transaction Report, STR)\uff0c\u5c0e\u81f4\u76e3\u7ba1\u8655\u7f70\u3002<\/p>\n<h3>\u6d17\u9322\u9632\u5236\u4e3b\u4efb (MLRO) \u7368\u7acb\u6027\u8207\u5167\u90e8\u8abf\u67e5\u6b0a\u9650\u4e0d\u8db3<\/h3>\n<p>\u300c\u6d17\u9322\u9632\u5236\u4e3b\u4efb\u300d (Money Laundering Reporting Officer, MLRO) \u5728\u653e\u50b5\u6a5f\u69cb\u7684\u5408\u898f\u67b6\u69cb\u4e2d\u626e\u6f14\u6838\u5fc3\u89d2\u8272\u3002\u7136\u800c\uff0c\u4e0d\u5c11\u653e\u50b5\u6a5f\u69cb\u7684 MLRO \u8077\u80fd\u672a\u80fd\u7372\u5f97\u8db3\u5920\u7684\u7368\u7acb\u6027\u8207\u6b0a\u9650\u3002MLRO \u53ef\u80fd\u53d7\u5230\u696d\u52d9\u90e8\u9580\u7684\u58d3\u529b\uff0c\u7121\u6cd5\u7368\u7acb\u958b\u5c55\u5167\u90e8\u8abf\u67e5\u3001\u8a55\u4f30\u98a8\u96aa\u6216\u5448\u5831 STR\u3002\u82e5 MLRO \u7f3a\u4e4f\u76f4\u63a5\u5411\u6700\u9ad8\u7ba1\u7406\u5c64\u532f\u5831\u7684\u6e20\u9053\uff0c\u6216\u672a\u80fd\u7372\u5f97\u8db3\u5920\u7684\u8cc7\u6e90\u8207\u57f9\u8a13\uff0c\u5176\u5408\u898f\u8077\u80fd\u5c07\u5f62\u540c\u865b\u8a2d\u3002\u76e3\u7ba1\u6a5f\u69cb\u5728\u67e5\u724c\u6642\uff0c\u6703\u91cd\u9ede\u5be9\u8996 MLRO \u7684\u7368\u7acb\u6027\u3001\u5167\u90e8\u8abf\u67e5\u6d41\u7a0b\u662f\u5426\u5065\u5168\uff0c\u4ee5\u53ca\u5176\u6240\u5448\u5831\u7684 STR \u6578\u91cf\u8207\u8cea\u91cf\u662f\u5426\u8207\u6a5f\u69cb\u7684\u98a8\u96aa\u72c0\u6cc1\u5339\u914d\u3002<\/p>\n<hr \/>\n<h3>\u5be6\u6230 SOP \u8207\u5408\u898f\u5efa\u8b70\uff1a\u7bc9\u7262\u9632\u7dda\uff0c\u78ba\u4fdd\u724c\u7167\u5b89\u5168<\/h3>\n<ul>\n<li><b>\u5efa\u7acb\u52d5\u614b PEP \u53ca\u5236\u88c1\u540d\u55ae\u7be9\u67e5\u6a5f\u5236\uff1a<\/b>\u5b9a\u671f\u5c0d\u6240\u6709\u5ba2\u6236\u53ca\u5176\u5be6\u76ca\u64c1\u6709\u4eba\u9032\u884c PEP \u53ca\u5236\u88c1\u540d\u55ae\u7be9\u67e5\u3002\u61c9\u5229\u7528\u5c08\u696d\u6578\u64da\u5eab\uff0c\u4e26\u8a2d\u5b9a\u81ea\u52d5\u5316\u9810\u8b66\u529f\u80fd\uff0c\u78ba\u4fdd\u7576\u5ba2\u6236\u72c0\u614b\u8b8a\u5316\u6642\u80fd\u5373\u6642\u7372\u6089\u4e26\u555f\u52d5\u300c\u5f37\u5316\u76e1\u8077\u5be9\u67e5\u300d (Enhanced Due Diligence, EDD)\u3002<\/li>\n<li><b>\u5236\u5b9a\u865b\u64ec\u8cc7\u7522\u76f8\u95dc\u5f37\u5316\u76e1\u8077\u5be9\u67e5\u6307\u5f15\uff1a<\/b>\u5c0d\u65bc\u8072\u7a31\u8ca1\u5bcc\u4f86\u6e90\u6216\u8cc7\u91d1\u4f86\u6e90\u6d89\u53ca\u865b\u64ec\u8cc7\u7522\u7684\u5ba2\u6236\uff0c\u61c9\u8981\u6c42\u63d0\u4f9b\u8a73\u7d30\u7684\u4ea4\u6613\u8a18\u9304\u3001\u9322\u5305\u5730\u5740\u8b49\u660e\u3001\u4ea4\u6613\u6240\u4ea4\u6613\u6b77\u53f2\u3001\u6316\u7926\u8b49\u660e\u7b49\uff0c\u4e26\u6838\u5be6\u5176\u5408\u6cd5\u6027\u8207\u5546\u696d\u908f\u8f2f\u3002\u82e5\u7121\u6cd5\u63d0\u4f9b\u5408\u7406\u8b49\u660e\uff0c\u61c9\u8003\u616e\u62d2\u7d55\u4ea4\u6613\u4e26\u5448\u5831 STR\u3002<\/li>\n<li><b>\u8ce6\u4e88 MLRO \u7368\u7acb\u8077\u6b0a\u8207\u8cc7\u6e90\uff1a<\/b>\u78ba\u4fdd MLRO \u5177\u6709\u7368\u7acb\u7684\u6c7a\u7b56\u6b0a\uff0c\u4e0d\u53d7\u696d\u52d9\u76ee\u6a19\u5e72\u64fe\uff0c\u76f4\u63a5\u5411\u8463\u4e8b\u6703\u6216\u6700\u9ad8\u7ba1\u7406\u5c64\u532f\u5831\u3002\u63d0\u4f9b\u5145\u8db3\u7684\u8cc7\u6e90\u7528\u65bc\u5167\u90e8\u8abf\u67e5\u3001\u54e1\u5de5\u57f9\u8a13\u53ca\u7372\u53d6\u5c08\u696d\u5408\u898f\u5de5\u5177\u3002\u5b9a\u671f\u5be9\u67e5 MLRO \u7684\u8077\u8cac\u7bc4\u570d\u8207\u7e3e\u6548\u3002<\/li>\n<li><b>\u5f37\u5316\u5167\u90e8\u57f9\u8a13\u8207\u98a8\u96aa\u610f\u8b58\uff1a<\/b>\u5b9a\u671f\u70ba\u6240\u6709\u54e1\u5de5\uff0c\u7279\u5225\u662f\u524d\u7dda\u696d\u52d9\u4eba\u54e1\uff0c\u63d0\u4f9b AML\/CTF \u57f9\u8a13\uff0c\u5167\u5bb9\u61c9\u6db5\u84cb\u6700\u65b0\u7684\u6d17\u9322\u624b\u6cd5\u3001PEP\/\u5236\u88c1\u98a8\u96aa\u8b58\u5225\u3001\u865b\u64ec\u8cc7\u7522\u98a8\u96aa\u7279\u5fb5\u53ca STR \u5448\u5831\u6d41\u7a0b\uff0c\u78ba\u4fdd\u5168\u54e1\u7406\u89e3\u4e26\u5c65\u884c\u5408\u898f\u8cac\u4efb\u3002<\/li>\n<\/ul>\n<hr \/>\n<h2>\u7d50\u8a9e\uff1a\u4eba\u624b\u5be9\u67e5\u7684\u6975\u9650\u8207 RegTech \u7684\u8ce6\u80fd<\/h2>\n<p>\u9762\u5c0d\u65e5\u76ca\u8907\u96dc\u7684\u6d17\u9322\u624b\u6cd5\u8207\u4e0d\u65b7\u6536\u7dca\u7684\u76e3\u7ba1\u8981\u6c42\uff0c\u55ae\u7d14\u4f9d\u9760\u4eba\u624b\u9032\u884c\u76e1\u8077\u5be9\u67e5\u548c\u98a8\u96aa\u76e3\u5bdf\u5df2\u96e3\u4ee5\u61c9\u5c0d\u3002\u653e\u50b5\u6a5f\u69cb\u61c9\u7a4d\u6975\u5f15\u5165\u5148\u9032\u7684\u76e3\u7ba1\u79d1\u6280 (RegTech) \u5de5\u5177\uff0c\u4f8b\u5982 <a href=\"https:\/\/www.amlguidehk.com\/web\/\" target=\"_blank\">Cloudian\u2122 AML Portal 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