Chen Delin part of the Bank of Hongkong to avoid extreme ways to reject customers 工号9527为您服务�����

Chen Delin: some Hongkong banks to avoid take extreme measures to reject customers Sina App: Live on-line blogger to tutor: Sina APP Hong Kong stock real-time quotes exclusive reference for Hong Kong stocks also worth the investment? What’s the problem? Where is the future of the way out? Sina launched the "Hong Kong Hong Kong stocks as well as unattractive" discussion, with a rational and constructive attitude, welcome attention to Hong Kong stocks, concern of the capital market, Hong Kong stocks together for suggestions, seek the Hong Kong stock market tomorrow. Please to hkstock_biz@sina. "Chen Delin" HumanPool accounts to maintain accounts are more difficult? The president of the Hongkong monetary authority / Chen Delin "" three articles "HumanPool recent popularity of financial series" article, I talked to the account in Hongkong enterprises. At the beginning of September I to Hong Kong Bank issued entitled "risk aversion" and "universal financial notice, reiterated that" the principle of risk supervision for this ". Many people think that "risk based" only for the account, in fact, this principle also applies to existing customers due diligence. Some people may receive the bank letter, asked to answer the questionnaire and provide the detailed personal information questionnaire, the longest up to more than and 10 pages, detailed problems, such as evidenced by the latest address, even decades before the first job to present proof of income and assets trading data. The wording of the individual banks is not very friendly, very short response time, indicating that if the customer fails to reply in time, the account may be frozen or canceled. The bank "old customers", is also confused with be pestered beyond endurance: why one has been used for years, or even a large deposit account, suddenly subjected to harsh scrutiny? According to the international anti money laundering and anti terrorist financing (hereinafter referred to as the "anti money laundering"), except in the bank account for the need to customer due diligence procedures, also need to regularly review and update the existing customer information. The degree and extent of the audit will vary depending on the degree of risk of the customer, the high risk customers will be more frequent. The so-called high-risk customers, including the nature of the work has a higher risk of money laundering, such as government, political, international organizations, etc.. In addition, some banks in Hongkong, or due to the needs of the head office or individual overseas regulatory agencies, the implementation of more complex due diligence procedures. For example, the bank will be on the U.S. foreign account tax compliance Act (FATCA), and the United States may require the customer to fill in the relevant documents and submit information. To identify suspicious accounts and require a client to provide additional information is difficult to avoid, like the fisherman to network, but we expect the design of these networks is more targeted, due to hunting and fishing and mesh objects big and small, rather than a trawl, regardless of size, even the "fish" clean sweep. In the customer due diligence, we note that the bank has adopted a "big fish" approach to "fish"". And look at some complaints we received: a company engaged in the trade business in the mainland in Hongkong for more than 30 years, in the regular review, due diligence when the bank asked the company to explain the 30 years before venturing to the "first pot of gold"相关的主题文章: