{"id":554,"date":"2026-06-29T07:28:21","date_gmt":"2026-06-29T07:28:21","guid":{"rendered":"https:\/\/grcconsulting.co.nz\/?p=554"},"modified":"2026-06-29T07:47:28","modified_gmt":"2026-06-29T07:47:28","slug":"the-ml-tf-risk-assessment-comparing-the-new-zealand-and-australian-regimes","status":"publish","type":"post","link":"https:\/\/grcconsulting.co.nz\/cn\/the-ml-tf-risk-assessment-comparing-the-new-zealand-and-australian-regimes\/","title":{"rendered":"\u6d17\u94b1\u4e0e\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u98ce\u9669\u8bc4\u4f30\uff1a\u65b0\u897f\u5170\u4e0e\u6fb3\u5927\u5229\u4e9a\u76d1\u7ba1\u4f53\u7cfb\u7684\u6bd4\u8f83"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"554\" class=\"elementor elementor-554\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3992083 e-flex e-con-boxed e-con e-parent\" data-id=\"3992083\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div 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.fade{opacity:0;transform:translateY(10px);animation:grcRise .7s cubic-bezier(.22,.61,.36,1) forwards;}\r\n.grc-aml .fade.d1{animation-delay:.06s;}\r\n.grc-aml .fade.d2{animation-delay:.12s;}\r\n.grc-aml .fade.d3{animation-delay:.18s;}\r\n@keyframes grcRise{to{opacity:1;transform:none;}}\r\n\r\n.grc-aml a:focus-visible,.grc-aml .btn:focus-visible{outline:2px solid var(--link);outline-offset:3px;border-radius:2px;}\r\n\r\n@media (max-width:760px){\r\n  .grc-aml{font-size:17px;}\r\n  .grc-aml .wrap{padding:0 20px;}\r\n  .grc-aml .hero{padding:48px 0 26px;}\r\n  .grc-aml .masthead nav{display:none;}\r\n  .grc-aml .lrow{grid-template-columns:1fr;}\r\n  .grc-aml .lhead{display:none;}\r\n  .grc-aml .lfeature{border-right:0;border-bottom:1px solid var(--rule);background:var(--paper);font-size:15.5px;padding:14px 16px;}\r\n  .grc-aml .lcell{padding:14px 16px;}\r\n  .grc-aml .lcell.nz{border-right:0;border-bottom:1px solid var(--rule);}\r\n  .grc-aml .lcell .clabel{display:inline-block;font-family:\"IBM Plex Mono\",monospace;font-size:10.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px;}\r\n  .grc-aml .lcell.nz .clabel{color:var(--nz);}\r\n  .grc-aml .lcell.au .clabel{color:var(--au);}\r\n  .grc-aml .lrow{border-bottom:2px solid var(--rule-strong);}\r\n}\r\n@media (prefers-reduced-motion:reduce){\r\n  .grc-aml .fade{animation:none;opacity:1;transform:none;}\r\n  .grc-aml .btn .arr{transition:none;}\r\n}\r\n<\/style>\r\n\r\n<div class=\"grc-aml\">\r\n\r\n  <header class=\"masthead\">\r\n    <div class=\"wrap\">\r\n      <div class=\"brand\"><span class=\"dot\"><\/span>GRC\u54a8\u8be2<\/div>\r\n      <nav>AML\/CFT &nbsp;&middot;&nbsp; Insight Brief<\/nav>\r\n    <\/div>\r\n  <\/header>\r\n\r\n  <div class=\"hero\">\r\n    <div class=\"wrap col\">\r\n      <p class=\"eyebrow fade\">\u6d1e\u5bdf\u7b80\u62a5 \u00b7 \u8de8\u5854\u65af\u66fc\u5730\u533a<\/p>\r\n      <h1 class=\"fade d1\">ML\/TF\u98ce\u9669\u8bc4\u4f30\uff1a\u6bd4\u8f83 <em>\u65b0\u897f\u5170<\/em> \u548c <em>\u6fb3\u5927\u5229\u4e9a\u7684<\/em> \u653f\u6743<\/h1>\r\n      <p class=\"standfirst fade d2\">\u9488\u5bf9\u65b0\u897f\u5170\u300a2009\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u6cd5\u300b\uff08AML\/CFT Act 2009\uff09\u4e0e\u6fb3\u5927\u5229\u4e9a\u7ecf\u4fee\u8ba2\u7684\u300a2006\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u6cd5\u300b\uff08AML\/CTF Act 2006\uff09\u9879\u4e0b\u6cd5\u5b9a\u98ce\u9669\u8bc4\u4f30\u4e49\u52a1\u7684\u5b9e\u52a1\u5bf9\u6bd4\u5206\u6790\u2014\u2014\u622a\u81f32026\u5e746\u6708\u7684\u60c5\u51b5\u3002<\/p>\r\n      <div class=\"meta fade d3\">\r\n        <span>2026\u5e746\u6708<\/span><span class=\"sep\">\/<\/span>\r\n        <span>8\u5206\u949f\u9605\u8bfb<\/span><span class=\"sep\">\/<\/span>\r\n        <span class=\"tagset\"><span class=\"jtag nz\">\u65b0\u897f\u5170<\/span><span class=\"jtag au\">\u6fb3\u5927\u5229\u4e9a<\/span><\/span>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"wrap\">\r\n    <nav class=\"toc col\" aria-label=\"Contents\">\r\n      <h2>\u672c\u9875\u5185\u5bb9<\/h2>\r\n      <ol>\r\n        <li><a href=\"#statutory\">\u6cd5\u5b9a\u4e49\u52a1<\/a><\/li>\r\n        <li><a href=\"#comparison\">\u5e76\u6392\u6bd4\u8f83<\/a><\/li>\r\n        <li><a href=\"#align\">\u4e24\u79cd\u5236\u5ea6\u76f8\u5951\u5408\u4e4b\u5904<\/a><\/li>\r\n        <li><a href=\"#diverge\">\u5b83\u4eec\u7684\u5206\u6b67\u4e4b\u5904\u2014\u2014\u4ee5\u53ca\u4e3a\u4f55\u8fd9\u5f88\u91cd\u8981<\/a><\/li>\r\n        <li><a href=\"#takeaways\">\u4ece\u4e1a\u8005\u7684\u5b9e\u7528\u542f\u793a<\/a><\/li>\r\n      <\/ol>\r\n    <\/nav>\r\n  <\/div>\r\n\r\n  <div class=\"wrap\">\r\n    <article class=\"col\">\r\n\r\n      <div class=\"lead\">\r\n        <p>\u98ce\u9669\u8bc4\u4f30\u662f\u5404\u9879\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u5408\u89c4\u8ba1\u5212\u7684\u57fa\u77f3\u3002\u65e0\u8bba\u5728\u65b0\u897f\u5170\u8fd8\u662f\u6fb3\u5927\u5229\u4e9a\uff0c\u5b83\u90fd\u662f\u6784\u5efa\u5176\u4ed6\u4e00\u5207\u8981\u7d20\u7684\u4f9d\u636e\u2014\u2014\u6db5\u76d6\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u6a21\u578b\u3001\u76d1\u63a7\u89c4\u5219\u3001\u98ce\u9669\u5347\u7ea7\u8def\u5f84\uff0c\u4ee5\u53ca\u6574\u4e2a\u5408\u89c4\u6846\u67b6\u6700\u7ec8\u7684\u6297\u8fa9\u80fd\u529b\u3002\u7136\u800c\uff0c\u8fd9\u4e24\u4e2a\u53f8\u6cd5\u7ba1\u8f96\u533a\u7684\u5236\u5ea6\u4f53\u7cfb\u6e90\u4e8e\u4e0d\u540c\u7684\u7acb\u6cd5\u67b6\u6784\uff1b\u968f\u7740\u6fb3\u5927\u5229\u4e9a\u6539\u9769\u540e\u7684\u76d1\u7ba1\u5236\u5ea6\u4e8e2026\u5e74\u751f\u6548\uff0c\u4e24\u8005\u4e4b\u95f4\u7684\u5dee\u5f02\u4e5f\u968f\u4e4b\u6269\u5927\u3002<\/p>\r\n        <p>\u672c\u7b80\u62a5\u65e8\u5728\u5411\u5728\u5854\u65af\u66fc\u6d77\u4e24\u5cb8\uff08\u5373\u6fb3\u5927\u5229\u4e9a\u548c\u65b0\u897f\u5170\uff09\u5f00\u5c55\u4e1a\u52a1\u7684\u5408\u89c4\u5b98\u53ca\u987e\u95ee\u9610\u660e\uff1a\u5404\u53f8\u6cd5\u7ba1\u8f96\u533a\u5982\u4f55\u754c\u5b9a\u98ce\u9669\u8bc4\u4f30\u4e49\u52a1\uff0c\u76f8\u5173\u8981\u6c42\u5728\u4f55\u5904\u4fdd\u6301\u4e00\u81f4\uff0c\u4ee5\u53ca\u54ea\u4e9b\u5b9e\u9645\u5dee\u5f02\u81f3\u5173\u91cd\u8981\u3002\u6211\u4eec\u5728\u8bba\u8ff0\u8fc7\u7a0b\u4e2d\u59cb\u7ec8\u533a\u5206\u4e86\u6cd5\u5f8b\u5f3a\u5236\u6027\u8981\u6c42\u3001\u76d1\u7ba1\u671f\u671b\u4ee5\u53ca\u76d1\u7ba1\u6307\u5f15\u6216\u6700\u4f73\u5b9e\u8df5\uff1b\u8fd9\u79cd\u533a\u5206\u867d\u6613\u88ab\u5ffd\u89c6\uff0c\u5374\u662f\u786e\u7acb\u7ecf\u5f97\u8d77\u5ba1\u67e5\u7684\u5408\u89c4\u7acb\u573a\u4e4b\u5173\u952e <strong>\u6cd5\u5f8b\u8981\u6c42<\/strong>\uff0c\u4ec0\u4e48\u662f <strong>\u76d1\u7ba1\u671f\u671b<\/strong>\uff0c\u4ee5\u53ca\u4ec0\u4e48\u662f <strong>\u76d1\u7ba1\u6307\u5f15\u6216\u6700\u4f73\u5b9e\u8df5<\/strong> \u2014\u2014\u8fd9\u4e00\u533a\u522b\u867d\u6613\u88ab\u5ffd\u7565\uff0c\u5374\u662f\u786e\u7acb\u7ad9\u5f97\u4f4f\u811a\u7684\u7acb\u573a\u7684\u5173\u952e\u3002<\/p>\r\n      <\/div>\r\n\r\n      <section class=\"section\" id=\"statutory\">\r\n        <span class=\"section-num\">01<\/span>\r\n        <h2 class=\"section-title\">\u6cd5\u5b9a\u4e49\u52a1<\/h2>\r\n\r\n        <h3>\u65b0\u897f\u5170 <span class=\"stat nz\">\u300a2009\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u6cd5\u300b\u7b2c58\u6761<\/span><\/h3>\r\n        <p>\u5728\u65b0\u897f\u5170\uff0c\u76f8\u5173\u4e49\u52a1\u8f7d\u4e8e\u300a2009\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u6cd5\u300b\u7b2c58\u6761\u3002\u5728\u5f00\u5c55\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u6216\u5efa\u7acb\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\uff08AML\/CFT\uff09\u8ba1\u5212\u4e4b\u524d\uff0c\u62a5\u544a\u4e3b\u4f53\u5fc5\u987b\u9996\u5148\u8bc4\u4f30\u5176\u5728\u4e1a\u52a1\u8fc7\u7a0b\u4e2d\u5408\u7406\u9884\u671f\u5c06\u9762\u4e34\u7684\u6d17\u94b1\u53ca\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u98ce\u9669\u3002\u6b63\u5982\u4e09\u5bb6\u76d1\u7ba1\u673a\u6784\u6240\u8a00\uff0c\u98ce\u9669\u8bc4\u4f30\u662f\u4f01\u4e1a\u5fc5\u987b\u91c7\u53d6\u7684\u9996\u8981\u6b65\u9aa4\uff0c\u800c\u6839\u636e\u8be5\u6cd5\u8981\u6c42\u5236\u5b9a\u7684AML\/CFT\u8ba1\u5212 <span class=\"statref\">\u7b2c56\u6761<\/span> \u5fc5\u987b\u662f <em>\u57fa\u4e8e<\/em> \u5b83\u3002<\/p>\r\n        <p>\u7b2c 58(2) \u6761\u6307\u793a\u62a5\u544a\u5b9e\u4f53 <strong>\u8003\u8651\u4e00\u7ec4\u65e2\u5b9a\u56e0\u7d20<\/strong> \u2014\u2014\u4f01\u4e1a\u7684\u6027\u8d28\u3001\u89c4\u6a21\u548c\u590d\u6742\u7a0b\u5ea6\uff1b\u5176\u63d0\u4f9b\u7684\u4ea7\u54c1\u548c\u670d\u52a1\uff1b\u5176\u4ea4\u4ed8\u65b9\u5f0f\uff1b\u5176\u670d\u52a1\u7684\u5ba2\u6237\u7c7b\u578b\uff1b\u5176\u670d\u52a1\u7684\u56fd\u5bb6\/\u5730\u533a\uff1b\u4ee5\u53ca\u5176\u670d\u52a1\u7684\u673a\u6784\u3002\u5185\u653f\u90e8\u5df2\u660e\u786e\u8868\u793a\uff0c\u5c06\u91c7\u7528\u901a\u7528\u7684\u884c\u4e1a\u7ea7\u6a21\u677f\u3002 <em>\u4e0d\u7b26\u5408<\/em> \u7b2c58\u6761\u7684\u89c4\u5b9a\uff1a\u8bc4\u4f30\u5fc5\u987b\u9488\u5bf9\u8be5\u5b9e\u4f53\u81ea\u8eab\u7684\u4e1a\u52a1\u8fdb\u884c\u3002<\/p>\r\n        <p>\u65b0\u897f\u5170\u7684\u4e49\u52a1\u6d89\u53ca <strong>\u4e24\u9879\u98ce\u9669\u2014\u2014\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u3002<\/strong>\u4e0e\u6fb3\u5927\u5229\u4e9a\u7ecf\u6539\u9769\u540e\u7684\u76d1\u7ba1\u4f53\u7cfb\u4e0d\u540c\uff0c\u6269\u6563\u878d\u8d44\u5e76\u975e\u7b2c58\u6761\u8bc4\u4f30\u4e2d\u4e00\u4e2a\u72ec\u7acb\u7684\u7ec4\u6210\u90e8\u5206\u3002<\/p>\r\n\r\n        <h3>\u6fb3\u5927\u5229\u4e9a <span class=\"stat au\">\u300a2006\u5e74\u53cd\u6d17\u94b1\u4e0e\u53cd\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u6cd5\u300b\uff08\u7ecf\u4fee\u8ba2\uff09\u7b2c26C\u6761<\/span><\/h3>\r\n        <p>\u6fb3\u5927\u5229\u4e9a\u7684\u98ce\u9669\u8bc4\u4f30\u4e49\u52a1\u6b64\u524d\u4e00\u76f4\u5305\u542b\u5728A\u90e8\u5206\u8ba1\u5212\u7684\u8981\u6c42\u4e2d\uff0c\u800c\u4e0d\u662f\u4f5c\u4e3a\u4e00\u9879\u72ec\u7acb\u7684\u4e49\u52a1\u30022024\u5e74\u300a\u53cd\u6d17\u94b1\u548c\u53cd\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u4fee\u6b63\u6848\u300b\uff08\u8054\u90a6\uff09\u6539\u53d8\u4e86\u8fd9\u4e00\u73b0\u72b6 <strong>\u81ea2026\u5e743\u670831\u65e5\u8d77<\/strong> \u5bf9\u4e8e\u73b0\u6709\u62a5\u544a\u5b9e\u4f53\uff0c\u4ee5\u53ca <strong>1 July 2026<\/strong> \u9488\u5bf9\u65b0\u7eb3\u5165\u76d1\u7ba1\u8303\u56f4\u7684\u201c\u7b2c\u4e8c\u6279\u6b21\u201d\uff08Tranche 2\uff09\u4e3b\u4f53\uff08\u5305\u62ec\u5f8b\u5e08\u3001\u4f1a\u8ba1\u5e08\u3001\u623f\u5730\u4ea7\u4e13\u4e1a\u4eba\u58eb\u4ee5\u53ca\u8d35\u91d1\u5c5e\u548c\u5b9d\u77f3\u4ea4\u6613\u5546\uff09\uff0c\u7ecf\u4fee\u8ba2\u7684\u6cd5\u6848\u5728\u7b2c26C\u6761\u4e2d\u89c4\u5b9a\u4e86\u660e\u786e\u7684\u6d17\u94b1\/\u6050\u6016\u4e3b\u4e49\u878d\u8d44\uff08ML\/TF\uff09\u98ce\u9669\u8bc4\u4f30\u4e49\u52a1\u3002<\/p>\r\n        <p>\u6839\u636e\u7b2c26C\u6761\u89c4\u5b9a\uff0c\u62a5\u544a\u5b9e\u4f53\u5fc5\u987b\u8bc4\u4f30\u5176\u5728\u63d0\u4f9b\u4fe1\u606f\u65f6\u53ef\u80fd\u5408\u7406\u9762\u4e34\u7684\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u548c\u6269\u6563\u878d\u8d44\uff08ML\/TF\/PF\uff09\u98ce\u9669 <em>\u6307\u5b9a\u670d\u52a1\u3002<\/em>\u5728\u5b9e\u4f53\u5f00\u59cb\u63d0\u4f9b\u6307\u5b9a\u670d\u52a1\u4e4b\u524d\uff0c\u5fc5\u987b\u5b8c\u6210\u8bc4\u4f30\u5e76\u5f62\u6210\u4e66\u9762\u8bb0\u5f55\uff1b <em>before<\/em> \u8bc4\u4f30\u987b\u8003\u91cf\u4e1a\u52a1\u7684\u6027\u8d28\u3001\u89c4\u6a21\u548c\u590d\u6742\u6027\uff0c\u4ee5\u53ca\u4e00\u5957\u65e2\u5b9a\u7684\u98ce\u9669\u56e0\u7d20\u2014\u2014\u5373\u6307\u5b9a\u670d\u52a1\u53ca\u5176\u4ea4\u4ed8\u65b9\u5f0f\uff08\u5305\u62ec\u65b0\u6280\u672f\u548c\u65b0\u5174\u6280\u672f\uff09\u3001\u5ba2\u6237\u7c7b\u578b\uff0c\u4ee5\u53ca\u8be5\u5b9e\u4f53\u6240\u6d89\u8db3\u7684\u5916\u56fd\u53f8\u6cd5\u7ba1\u8f96\u533a\u3002<\/p>\r\n        <p>\u81f3\u5173\u91cd\u8981\u7684\u662f\uff0c\u8fd9\u9879\u6539\u9769 <strong>\u5e9f\u9664\u4e86\u65e7\u6709\u7684 A \u90e8\u5206\/B \u90e8\u5206\u5212\u5206\u3002<\/strong>\u98ce\u9669\u8bc4\u4f30\u548c\u53cd\u6d17\u94b1\/\u53cd\u6050\u878d\u8d44\u653f\u7b56\u73b0\u5728\u5171\u540c\u6784\u6210\u4e86\u4e00\u4e2a\u4ee5\u7ed3\u679c\u4e3a\u5bfc\u5411\u7684\u5355\u4e00\u53cd\u6d17\u94b1\/\u53cd\u6050\u878d\u8d44\u65b9\u6848 <span class=\"statref\">\u7b2c26B\u6761<\/span>\uff0c\u5176\u4e2d\u98ce\u9669\u8bc4\u4f30\u660e\u786e\u4f5c\u4e3a\u5851\u9020\u653f\u7b56\u7684\u9996\u8981\u8981\u7d20\u3002<\/p>\r\n      <\/section>\r\n\r\n      <section class=\"section\" id=\"comparison\">\r\n        <span class=\"section-num\">02<\/span>\r\n        <h2 class=\"section-title\">\u5e76\u6392\u6bd4\u8f83<\/h2>\r\n        <p>\u4e0b\u6587\u7684\u6bd4\u8f83\u5217\u51fa\u4e86\u5404\u53f8\u6cd5\u7ba1\u8f96\u533a\u5185\u98ce\u9669\u8bc4\u4f30\u4e49\u52a1\u7684\u6838\u5fc3\u7279\u5f81\u3002\u6587\u4e2d\u9648\u8ff0\u4e86\u76f8\u5173\u6cd5\u5f8b\u8981\u6c42\uff1b\u82e5\u67d0\u4e00\u70b9\u53cd\u6620\u7684\u662f\u76d1\u7ba1\u671f\u671b\u6216\u6307\u5f15\u800c\u975e\u6210\u6587\u6cd5\u89c4\uff0c\u5219\u4f1a\u4e88\u4ee5\u7279\u522b\u6807\u6ce8\u3002<\/p>\r\n      <\/section>\r\n\r\n      <div class=\"ledger-wrap\">\r\n        <p class=\"ledger-cap\">\u98ce\u9669\u8bc4\u4f30\u4e49\u52a1 \u00b7 \u529f\u80fd\u5bf9\u6bd4<\/p>\r\n        <div class=\"ledger\" role=\"table\" aria-label=\"Comparison of the risk assessment obligation in New Zealand and Australia\">\r\n          <div class=\"lrow lhead\" role=\"row\">\r\n            <div class=\"lcell\" role=\"columnheader\">Feature<\/div>\r\n            <div class=\"lcell nzhead\" role=\"columnheader\">\u65b0\u897f\u5170<\/div>\r\n            <div class=\"lcell auhead\" role=\"columnheader\">Australia (reformed)<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u4e00\u624b\u8d44\u6599<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u300a2009\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u6cd5\u300b\u7b2c58\u6761<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u300a2006\u5e74\u53cd\u6d17\u94b1\u4e0e\u53cd\u6050\u6016\u878d\u8d44\u6cd5\u300b\uff08\u7ecf\u300a2024\u5e74\u4fee\u8ba2\u6cd5\u6848\u300b\u4fee\u8ba2\uff09\u7b2c26C\u6761\uff0c\u5e76\u8f85\u4ee5\u300a2025\u5e74\u53cd\u6d17\u94b1\u4e0e\u53cd\u6050\u6016\u878d\u8d44\u89c4\u5219\u300b<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u627f\u4fdd\u98ce\u9669<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u6d17\u94b1\u4e0e\u6050\u6016\u4e3b\u4e49\u878d\u8d44\uff08ML\/TF\uff09\u3002\u5c3d\u7ba1\u7b2c58\u6761\u672a\u660e\u786e\u6db5\u76d6\u201c\u5927\u89c4\u6a21\u6740\u4f24\u6027\u6b66\u5668\u6269\u6563\u878d\u8d44\u201d\uff08proliferation financing\uff09\uff0c\u4f46\u82e5\u76f8\u5173\u56e0\u7d20\u5f71\u54cd\u4e86\u6d17\u94b1\/\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u98ce\u9669\u6216\u5176\u4ed6\u6cd5\u5f8b\u4e49\u52a1\uff08\u4f8b\u5982\u4f9d\u636e\u5236\u88c1\u6cd5\u89c4\u4ea7\u751f\u7684\u4e49\u52a1\uff09\uff0c\u5219\u5236\u88c1\u65b9\u9762\u7684\u98ce\u9669\u655e\u53e3\u53ca\u4e0e\u6269\u6563\u76f8\u5173\u7684\u98ce\u9669\u4ecd\u53ef\u80fd\u5177\u6709\u76f8\u5173\u6027\u3002<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44 <strong>\u4ee5\u53ca\u6269\u6563\u878d\u8d44<\/strong> (ML\/TF\/PF).<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u6d4b\u5e8f<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u5fc5\u987b\u5148\u4e8e CDD \u548c\u9879\u76ee\uff1b\u9879\u76ee\u5fc5\u987b\u662f <em>\u57fa\u4e8e<\/em> \u98ce\u9669\u8bc4\u4f30\u3002<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u5fc5\u987b\u5f62\u6210\u4e66\u9762\u8bb0\u5f55\u5e76\u843d\u5b9e\u5230\u4f4d\u3002 <em>before<\/em> \u63d0\u4f9b\u4efb\u4f55\u6307\u5b9a\u670d\u52a1\uff1b\u5236\u5b9a\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CTF\uff09\u653f\u7b56\u3002<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u9879\u76ee\u7ed3\u6784<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u98ce\u9669\u8bc4\u4f30 + \u53cd\u6d17\u94b1\/\u53cd\u6050\u878d\u8d44\u8ba1\u5212\uff08<span class=\"statref\">\u7b2c56\u6761<\/span>\uff09\u3002\u65b0\u897f\u5170\u4e0d\u5b9e\u884c A\/B \u90e8\u5206\u5212\u5206\u3002<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u5355\u4e00\u53cd\u6d17\u94b1\/\u53cd\u6050\u878d\u8d44\u8ba1\u5212\uff08<span class=\"statref\">\u7b2c26B\u6761<\/span>) = \u98ce\u9669\u8bc4\u4f30 + \u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CTF\uff09\u653f\u7b56\u3002 <strong>\u53d6\u6d88\u4e86A\/B\u90e8\u5206\u5212\u5206\u3002<\/strong><\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u89c4\u5b9a\u56e0\u7d20<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u6027\u8d28\/\u89c4\u6a21\/\u590d\u6742\u6027\uff1b\u4ea7\u54c1\uff1b\u4ea4\u4ed8\u65b9\u5f0f\uff1b\u5ba2\u6237\u7c7b\u578b\uff1b\u56fd\u5bb6\uff1b\u6240\u6d89\u53ca\u7684\u673a\u6784\uff08<span class=\"statref\">\u7b2c 58(2) \u6761<\/span>).<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u6027\u8d28\/\u89c4\u6a21\/\u590d\u6742\u7a0b\u5ea6\uff1b\u6307\u5b9a\u670d\u52a1\uff1b\u4ea4\u4ed8\u65b9\u5f0f\uff08\u5305\u62ec\u65b0\u6280\u672f\/\u65b0\u5174\u6280\u672f\uff09\uff1b\u5ba2\u6237\u7c7b\u578b\uff1b\u5883\u5916\u53f8\u6cd5\u7ba1\u8f96\u533a\u3002<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u89e6\u53d1\u5ba1\u6838<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u6ca1\u6709\u6cd5\u5b9a\u7684\u5ba1\u67e5\u5468\u671f\u3002\u5f53\u8bc4\u4f30\u7ed3\u679c\u4e0d\u518d\u51c6\u786e\u53cd\u6620\u8be5\u5b9e\u4f53\u7684\u6d17\u94b1\/\u6050\u6016\u4e3b\u4e49\u878d\u8d44\uff08ML\/TF\uff09\u98ce\u9669\u65f6\uff08\u5305\u62ec\u4e1a\u52a1\u53d1\u751f\u91cd\u5927\u53d8\u5316\u540e\uff09\uff0c\u5747\u5e94\u5bf9\u5176\u8fdb\u884c\u5ba1\u67e5\u3002\u76d1\u7ba1\u6307\u5f15\u8981\u6c42\u8fdb\u884c\u5b9a\u671f\u5ba1\u67e5\u3002<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u6cd5\u5b9a\u8981\u6c42\uff1a\u5ba1\u67e5\u98ce\u9669\u56e0\u7d20\u3001AUSTRAC \u6307\u793a\u6216\u89c4\u5219\u7684\u91cd\u5927\u53d8\u66f4\u3002 <strong>AUSTRAC \u76ee\u524d\u7684\u6307\u5f15\u5efa\u8bae\u81f3\u5c11\u6bcf\u4e09\u5e74\u8fdb\u884c\u4e00\u6b21\u5ba1\u67e5\u3002<\/strong><\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u5b89\u5168\u6e2f \/ \u51c6\u5219<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u7ecf\u6279\u51c6\u7684\u5b9e\u52a1\u5b88\u5219\uff08\u4f8b\u5982\u300a\u8eab\u4efd\u9a8c\u8bc1\u5b9e\u52a1\u5b88\u5219\u300b\uff09\u4ec5\u9488\u5bf9\u8be5\u5b88\u5219\u6db5\u76d6\u7684\u4e8b\u9879\u63d0\u4f9b\u6cd5\u5b9a\u201c\u5b89\u5168\u6e2f\u201d\u4fdd\u62a4\uff0c\u800c\u975e\u9488\u5bf9\u53cd\u6d17\u94b1\/\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\uff08AML\/CFT\uff09\u7684\u6574\u4f53\u6846\u67b6\u3002<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u98ce\u9669\u8bc4\u4f30\u4e0d\u9002\u7528\u201c\u89c6\u540c\u5408\u89c4\u201d\u7684\u5b89\u5168\u6e2f\u6761\u6b3e\uff1bAUSTRAC \u7684\u5165\u95e8\u7ea7\u8ba1\u5212\u65e8\u5728\u534f\u52a9\u5c0f\u578b\u5b9e\u4f53\u3002<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"lrow\" role=\"row\">\r\n            <div class=\"lcell lfeature\" role=\"rowheader\">\u72ec\u7acb\u9274\u8bc1<\/div>\r\n            <div class=\"lcell nz\" role=\"cell\"><span class=\"clabel\">\u65b0\u897f\u5170<\/span>\u6bcf\u4e09\u5e74\u8fdb\u884c\u4e00\u6b21\u72ec\u7acb\u5ba1\u8ba1\uff1b\u4f46\u82e5\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u76d1\u7ba1\u673a\u6784\u57fa\u4e8e\u98ce\u9669\u6216\u76d1\u7ba1\u8003\u91cf\u8981\u6c42\u63d0\u524d\u8fdb\u884c\u5ba1\u8ba1\uff0c\u6216\u62a5\u544a\u4e3b\u4f53\u83b7\u4e13\u95e8\u901a\u77e5\u9002\u7528\u4e0d\u540c\u7684\u5ba1\u8ba1\u5468\u671f\uff08\u4f8b\u5982\u5728\u7279\u5b9a\u6709\u9650\u60c5\u51b5\u4e0b\u4e3a\u56db\u5e74\uff09\uff0c\u5219\u6309\u76f8\u5e94\u8981\u6c42\u6267\u884c\u3002<\/div>\r\n            <div class=\"lcell au\" role=\"cell\"><span class=\"clabel\">\u6fb3\u5927\u5229\u4e9a<\/span>\u72ec\u7acb <em>\u8bc4\u4f30<\/em> \u7531\u5177\u5907\u76f8\u5e94\u8d44\u8d28\u7684\u72ec\u7acb\u5ba1\u67e5\u5458\u5bf9\u6574\u4e2a\u9879\u76ee\u8fdb\u884c\u72ec\u7acb\u5ba1\u67e5\uff08<span class=\"statref\">\u7b2c 26F(4)(f) \u6761<\/span>\uff09\uff1b\u53d6\u4ee3\u4e86\u65e7\u7684 A \u90e8\u5206\u72ec\u7acb\u5ba1\u67e5\u3002<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <p class=\"ledger-note\">\u6ce8\uff1a\u6fb3\u65b9\u5173\u4e8e\u5ba1\u67e5\u5468\u671f\u53ca\u4e09\u5e74\u671f\u8282\u70b9\u7684\u89c4\u5b9a\uff0c\u662f\u57fa\u4e8e\u300a\u6cd5\u6848\u300b\u5e76\u7ed3\u5408 AUSTRAC \u6307\u5f15\u53ca\u76f8\u5173\u89c4\u5219\u89e3\u8bfb\u5f97\u51fa\u7684\uff1b\u6cd5\u5f8b\u5c06\u89e6\u53d1\u5ba1\u67e5\u7684\u6761\u4ef6\u8868\u8ff0\u4e3a\u53d1\u751f\u201c\u91cd\u5927\u53d8\u5316\u201d\uff0c\u800c\u975e\u8bbe\u5b9a\u56fa\u5b9a\u7684\u65f6\u95f4\u671f\u9650\u3002\u65b0\u897f\u5170\u5219\u5c06\u4e09\u5e74\u4e00\u6b21\u7684\u5ba1\u8ba1\u9891\u7387\u4f5c\u4e3a\u76d1\u7ba1\u5e38\u6001\uff0c\u4f46\u5177\u4f53\u5b89\u6392\u4ecd\u89c6\u76d1\u7ba1\u6307\u4ee4\u800c\u5b9a\u3002<\/p>\r\n      <\/div>\r\n\r\n      <section class=\"section\" id=\"align\">\r\n        <span class=\"section-num\">03<\/span>\r\n        <h2 class=\"section-title\">\u4e24\u79cd\u5236\u5ea6\u76f8\u5951\u5408\u4e4b\u5904<\/h2>\r\n        <p>\u5c3d\u7ba1\u67b6\u6784\u4e0a\u5b58\u5728\u5dee\u5f02\uff0c\u4f46\u5176\u5e95\u5c42\u903b\u8f91\u662f\u76f8\u540c\u7684\u3002\u8fd9\u4e24\u79cd\u673a\u5236\u90fd\uff1a<\/p>\r\n        <ul class=\"rich-list\">\r\n          <li><strong>\u5c06\u98ce\u9669\u653e\u5728\u9996\u4f4d\u3002<\/strong> \u98ce\u9669\u8bc4\u4f30\u662f\u5f00\u5c55\u5176\u4ed6\u4e00\u5207\u5de5\u4f5c\u7684\u524d\u63d0\uff1b\u5408\u89c4\u8ba1\u5212\u5fc5\u987b\u57fa\u4e8e\u98ce\u9669\u8bc4\u4f30\u5236\u5b9a\uff0c\u800c\u4e0d\u80fd\u4ec5\u4ec5\u662f\u4e0e\u4e4b\u5e76\u5217\u5b58\u5728\u3002<\/li>\r\n          <li><strong>\u91c7\u53d6\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u3002<\/strong> \u4e24\u5bb6\u76d1\u7ba1\u673a\u6784\u5747\u8981\u6c42\uff0c\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09\u7684\u6df1\u5ea6\u3001\u76d1\u63a7\u7684\u5f3a\u5ea6\u4ee5\u53ca\u5ba1\u67e5\u7684\u9891\u7387\u5e94\u6839\u636e\u8bc4\u4f30\u51fa\u7684\u98ce\u9669\u6c34\u5e73\u8fdb\u884c\u76f8\u5e94\u8c03\u6574\uff0c\u800c\u975e\u91c7\u53d6\u4e00\u5200\u5207\u7684\u505a\u6cd5\u3002<\/li>\r\n          <li><strong>\u62d2\u7edd\u5343\u7bc7\u4e00\u5f8b\u7684\u6a21\u677f\u3002<\/strong> DIA \u8ba4\u4e3a\u4ec5\u51ed\u884c\u4e1a\u5c42\u9762\u7684\u5185\u5bb9\u65e0\u6cd5\u6ee1\u8db3\u7b2c 58 \u6761\u8981\u6c42\u7684\u7acb\u573a\uff0c\u4e0e AUSTRAC \u7684\u671f\u671b\u76f8\u4e00\u81f4\uff0c\u5373\u8bc4\u4f30\u5fc5\u987b\u53cd\u6620\u8be5\u5b9e\u4f53\u5b9e\u9645\u63d0\u4f9b\u7684\u6307\u5b9a\u670d\u52a1\u53ca\u5176\u5ba2\u6237\u7fa4\u4f53\u7684\u5177\u4f53\u60c5\u51b5\u3002<\/li>\r\n          <li><strong>\u7b26\u5408 FATF \u6807\u51c6\u3002<\/strong> \u8fd9\u4e24\u4e2a\u6846\u67b6\u7684\u6784\u5efa\u5747\u65e8\u5728\u7b26\u5408 FATF \u7684\u5efa\u8bae\uff0c\u4e14\u4e24\u4e2a\u53f8\u6cd5\u7ba1\u8f96\u533a\u90fd\u9762\u4e34\u7740 FATF \u76f8\u4e92\u8bc4\u4f30\u7684\u538b\u529b\u2014\u2014\u6fb3\u5927\u5229\u4e9a\u7684\u6539\u9769\u65f6\u95f4\u8868\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u6b63\u662f\u53d7\u5176 2026 \u5e74\u8bc4\u4f30\u5de5\u4f5c\u7684\u63a8\u52a8\u3002<\/li>\r\n          <li><strong>\u8981\u6c42\u63d0\u4f9b\u6587\u6863\u5e76\u5efa\u7acb\u6cbb\u7406\u673a\u5236\u3002<\/strong> \u5728\u6bcf\u79cd\u60c5\u51b5\u4e0b\uff0c\u8bc4\u4f30\u6587\u4ef6\u5747\u987b\u4ee5\u4e66\u9762\u5f62\u5f0f\u8bb0\u5f55\u5e76\u4fdd\u6301\u66f4\u65b0\uff0c\u4e14\u80fd\u591f\u7ecf\u53d7\u76d1\u7ba1\u5ba1\u67e5\uff1b\u540c\u65f6\uff0c\u9ad8\u5c42\u7ba1\u7406\u4eba\u5458\u548c\u8463\u4e8b\u4f1a\u5e94\u77e5\u6089\u76f8\u5173\u60c5\u51b5\u3002<\/li>\r\n        <\/ul>\r\n      <\/section>\r\n\r\n      <section class=\"section\" id=\"diverge\">\r\n        <span class=\"section-num\">04<\/span>\r\n        <h2 class=\"section-title\">\u5b83\u4eec\u7684\u5206\u6b67\u4e4b\u5904\u2014\u2014\u4ee5\u53ca\u4e3a\u4f55\u8fd9\u5f88\u91cd\u8981<\/h2>\r\n\r\n        <h3>\u6269\u6563\u878d\u8d44<\/h3>\r\n        <p>\u6700\u91cd\u5927\u7684\u5206\u6b67\u5728\u4e8e\u8303\u56f4\u3002\u6fb3\u5927\u5229\u4e9a\u6539\u9769\u540e\u7684\u8bc4\u4f30\u5fc5\u987b\u6db5\u76d6 <strong>\u6269\u6563\u878d\u8d44<\/strong> \u8fd9\u88ab\u89c6\u4e3a\u4e00\u9879\u72ec\u7acb\u7684\u98ce\u9669\uff0c\u7b26\u5408\u7ecf\u4fee\u8ba2\u7684FATF\uff08\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\uff09\u6807\u51c6\u3002\u65b0\u897f\u5170\u300a\u53cd\u6d17\u94b1\u4e0e\u53cd\u6050\u6016\u878d\u8d44\u6cd5\u300b\u7b2c58\u6761\u7684\u89c4\u5b9a\u4ecd\u4e3b\u8981\u56f4\u7ed5\u6d17\u94b1\u548c\u6050\u6016\u878d\u8d44\u5c55\u5f00\u3002\u8de8\u5854\u65af\u66fc\uff08\u6fb3\u65b0\uff09\u4e1a\u52a1\u5c0f\u7ec4\u4e0d\u80fd\u7b80\u5355\u5730\u5c06\u65b0\u897f\u5170\u7684\u98ce\u9669\u8bc4\u4f30\u7ed3\u679c\u76f4\u63a5\u5957\u7528\u4e8e\u6fb3\u5927\u5229\u4e9a\u4e1a\u52a1\uff1b\u6fb3\u5927\u5229\u4e9a\u7684\u76f8\u5173\u6587\u4ef6\u5fc5\u987b\u660e\u786e\u6db5\u76d6\u5927\u89c4\u6a21\u6740\u4f24\u6027\u6b66\u5668\u6269\u6563\u878d\u8d44\uff08PF\uff09\u98ce\u9669\u3001\u89c4\u907f\u5236\u88c1\u7684\u5e38\u89c1\u624b\u6cd5\u4ee5\u53ca\u76f8\u5173\u7684\u201c\u6307\u5b9a\u670d\u52a1\u201d\u8303\u7574\u3002<\/p>\r\n\r\n        <h3>\u201c\u6307\u5b9a\u670d\u52a1\u201d\u89c6\u89d2<\/h3>\r\n        <p>\u6fb3\u5927\u5229\u4e9a\u5c06\u8bc4\u4f30\u7684\u57fa\u51c6\u8bbe\u5b9a\u4e3a <strong>\u6307\u5b9a\u670d\u52a1\u3002<\/strong> \u2014 \u4e00\u4efd\u660e\u786e\u7684\u3001\u6db5\u76d6\u7684\u6d3b\u52a8\u6e05\u5355\u3002\u62a5\u544a\u5b9e\u4f53\u9010\u9879\u8bc4\u4f30\u670d\u52a1\u7684\u98ce\u9669\uff0c\u672a\u6307\u5b9a\u670d\u52a1\u7684\u6d3b\u52a8\u5219\u4e0d\u5c5e\u4e8e\u62a5\u544a\u4e49\u52a1\u8303\u56f4\u3002\u65b0\u897f\u5170\u7684\u7b2c 58 \u6761\u66f4\u591a\u5730\u56f4\u7ed5\u4f01\u4e1a\u6574\u4f53\u53ca\u5176\u63d0\u4f9b\u7684\u4ea7\u54c1\u548c\u670d\u52a1\u5c55\u5f00\u3002\u7279\u522b\u662f\u5bf9\u4e8e\u7b2c\u4e8c\u6279\u5b9e\u4f53\u800c\u8a00\uff0c\u9996\u8981\u7684\u5206\u6790\u4efb\u52a1\u662f\u786e\u5b9a <em>\u90a3\u4e2a<\/em> \u6d3b\u52a8\u662f\u5426\u5c5e\u4e8e\u6307\u5b9a\u670d\u52a1\u2014\u2014\u8fd9\u662f\u4e00\u4e2a\u524d\u63d0\u6027\u95ee\u9898\uff0c\u5728\u65b0\u897f\u5170\u6cd5\u5f8b\u4e2d\u5e76\u65e0\u76f4\u63a5\u5bf9\u5e94\u7684\u5148\u4f8b\u3002<\/p>\r\n\r\n        <h3>\u5ba1\u67e5\u8282\u594f\u4e0e\u89e6\u53d1\u6761\u4ef6<\/h3>\r\n        <p>\u65b0\u897f\u5170\u5e76\u672a\u5bf9\u98ce\u9669\u8bc4\u4f30\u672c\u8eab\u8bbe\u5b9a\u6cd5\u5b9a\u5ba1\u67e5\u5468\u671f\uff1b\u76d1\u7ba1\u662f\u901a\u8fc7\u6bcf\u4e09\u5e74\u4e00\u6b21\u7684\u72ec\u7acb\u5ba1\u8ba1\u6765\u5b9e\u73b0\u7684 <span class=\"statref\">\uff08\u7b2c59A\u6761\uff09<\/span> \u4ee5\u53ca\u76d1\u7ba1\u673a\u6784\u5173\u4e8e\u5b9a\u671f\u5ba1\u67e5\u7684\u671f\u671b\u3002\u6fb3\u5927\u5229\u4e9a\u7684\u76d1\u7ba1\u5236\u5ea6\u5bf9\u89e6\u53d1\u5ba1\u67e5\u7684\u60c5\u5f62\u4f5c\u51fa\u4e86\u66f4\u660e\u786e\u7684\u89c4\u5b9a\uff0c\u5e76\u8f85\u4ee5\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u62a5\u544a\u4e0e\u5206\u6790\u4e2d\u5fc3\uff08AUSTRAC\uff09\u5173\u4e8e\u5b9a\u671f\u5ba1\u67e5\uff08\u76ee\u524d\u8981\u6c42\u81f3\u5c11\u6bcf\u4e09\u5e74\u4e00\u6b21\uff09\u7684\u6307\u5bfc\u610f\u89c1\u3002\u5728\u4e0a\u8ff0\u4e24\u4e2a\u53f8\u6cd5\u7ba1\u8f96\u533a\u5747\u6709\u4e1a\u52a1\u8fd0\u8425\u7684\u673a\u6784\uff0c\u5e94\u91c7\u53d6\u66f4\u4e3a\u5ba1\u614e\u7684\u505a\u6cd5\uff0c\u5c06\u5b9a\u671f\u5ba1\u67e5\u53ca\u89e6\u53d1\u5f0f\u5ba1\u67e5\u89c6\u4e3a\u5728\u4e24\u5730\u5747\u5fc5\u987b\u5c65\u884c\u7684\u4e49\u52a1\u3002<\/p>\r\n\r\n        <h3>\u9879\u76ee\u67b6\u6784<\/h3>\r\n        <p>\u6fb3\u5927\u5229\u4e9a\u53d6\u6d88\u201cA\u90e8\u5206\/B\u90e8\u5206\u201d\uff08Part A \/ Part B\uff09\u7684\u5206\u7c7b\u533a\u5206\uff0c\u4f7f\u5176\u67b6\u6784\u66f4\u63a5\u8fd1\u65b0\u897f\u5170\u7684\u5355\u4e00\u8ba1\u5212\u6a21\u5f0f\uff1b\u4f46\u8be5\u9879\u6539\u9769\u66f4\u8fdb\u4e00\u6b65\uff0c\u5c06\u672a\u80fd\u9075\u5b88\u81ea\u8eab\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CTF\uff09\u653f\u7b56\u7684\u884c\u4e3a\u5217\u4e3a\u6c11\u4e8b\u5904\u7f5a\u4e8b\u9879\u3002\u5176\u5b9e\u9645\u540e\u679c\u662f\uff0c\u4e00\u4efd\u8d77\u8349\u7c97\u7cd9\u6216\u4ec5\u5177\u613f\u666f\u6027\u8d28\u7684\u653f\u7b56\uff0c\u5982\u4eca\u5df2\u4e0d\u518d\u662f\u7f13\u51b2\u5c4f\u969c\uff0c\u53cd\u800c\u6210\u4e86\u4e00\u79cd\u6cd5\u5f8b\u8d23\u4efb\u98ce\u9669\u3002<\/p>\r\n\r\n        <blockquote class=\"pull\">\u4e00\u9879\u8d77\u8349\u4e0d\u5f53\u6216\u4ec5\u5177\u613f\u666f\u6027\u8d28\u7684\u653f\u7b56\uff0c\u5982\u4eca\u5df2\u4e0d\u518d\u662f\u7f13\u51b2\u5c4f\u969c\uff0c\u53cd\u800c\u6210\u4e86\u6f5c\u5728\u7684\u9690\u60a3\u2014\u2014\u8fd9\u4e00\u4e8b\u5b9e\u8868\u660e\uff0c\u4e0e\u5176\u5236\u5b9a\u201c\u96f6\u5bb9\u5fcd\u201d\u5f0f\u7684\u653f\u7b56\uff0c\u4e0d\u5982\u91c7\u53d6\u9002\u5ea6\u4e14\u5207\u5b9e\u53ef\u884c\u7684\u7ba1\u63a7\u63aa\u65bd\u3002<\/blockquote>\r\n\r\n        <h3>\u6fb3\u5927\u5229\u4e9a\u7684\u8f6c\u578b\u98ce\u9669<\/h3>\r\n        <p>\u6700\u540e\u8c08\u8c08\u65f6\u95f4\u5b89\u6392\u3002\u6fb3\u5927\u5229\u4e9a\u6b63\u5904\u4e8e\u8fc7\u6e21\u671f\u7684\u4e2d\u6bb5\u3002\u73b0\u6709\u62a5\u544a\u4e3b\u4f53\u9700\u57282026\u5e743\u670831\u65e5\u524d\u66f4\u65b0\u5176\u5168\u4f01\u4e1a\u8303\u56f4\u7684\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u53ca\u6269\u6563\u878d\u8d44\uff08ML\/TF\/PF\uff09\u98ce\u9669\u8bc4\u4f30\uff1b\u201c\u7b2c\u4e8c\u9636\u6bb5\u201d\uff08Tranche 2\uff09\u4e3b\u4f53\u5219\u9700\u57282026\u5e747\u67081\u65e5\u524d\u5b8c\u6210\u6b64\u9879\u5de5\u4f5c\u3002 <em>\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u62a5\u544a\u4e0e\u5206\u6790\u4e2d\u5fc3\uff08AUSTRAC\uff09\u5df2\u660e\u786e\u8868\u793a\uff0c<\/em> \u5176\u671f\u671b\u770b\u5230\u7684\u662f\u4e66\u9762\u5b9e\u65bd\u8ba1\u5212\u548c\u6301\u7eed\u8fdb\u5c55\uff0c\u800c\u975e\u4ece\u4e00\u5f00\u59cb\u5c31\u8fbe\u5230\u5b8c\u7f8e\u5408\u89c4\uff1b\u4f46\u8be5\u673a\u6784\u540c\u65f6\u4e5f\u660e\u786e\u6307\u51fa\uff0c\u672a\u80fd\u6709\u6548\u7ba1\u63a7\u6d17\u94b1\u53ca\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u98ce\u9669\u65e2\u662f\u5f53\u524d\u7684\u91cd\u5927\u5173\u5207\uff0c\u5728\u65b0\u89c4\u6b63\u5f0f\u5b9e\u65bd\u540e\u4e5f\u5c06\u4f9d\u7136\u5982\u6b64\u3002\u5bf9\u4e8e\u987e\u95ee\u800c\u8a00\uff0c\u73b0\u5b9e\u98ce\u9669\u5728\u4e8e\u5c06\u5b9e\u65bd\u8ba1\u5212\u89c6\u4e3a\u98ce\u9669\u8bc4\u4f30\u7684\u66ff\u4ee3\u54c1\uff0c\u800c\u975e\u901a\u5f80\u98ce\u9669\u8bc4\u4f30\u7684\u6865\u6881\u3002<\/p>\r\n      <\/section>\r\n\r\n      <section class=\"section\" id=\"takeaways\">\r\n        <span class=\"section-num\">05<\/span>\r\n        <h2 class=\"section-title\">\u9762\u5411\u8de8\u5854\u65af\u66fc\u5730\u533a\u4ece\u4e1a\u8005\u7684\u5b9e\u7528\u8981\u70b9<\/h2>\r\n        <ul class=\"rich-list\">\r\n          <li><strong>\u5207\u52ff\u5c06\u98ce\u9669\u8bc4\u4f30\u539f\u5c01\u4e0d\u52a8\u5730\u4ece\u5854\u65af\u66fc\u6d77\u53e6\u4e00\u4fa7\u76f4\u63a5\u7167\u642c\u8fc7\u6765\u3002<\/strong> \u201cPF\u6761\u6b3e\u201d\uff08PF limb\uff09\u3001\u201c\u6307\u5b9a\u670d\u52a1\u89c6\u89d2\u201d\uff08designated-services lens\uff09\u4ee5\u53ca\u5404\u9879\u4e0d\u540c\u7684\u201c\u89c4\u5b9a\u56e0\u7d20\u201d\uff08prescribed factors\uff09\uff0c\u610f\u5473\u7740\u6bcf\u4e00\u4efd\u6587\u4ef6\u90fd\u5fc5\u987b\u9488\u5bf9\u5176\u9002\u7528\u7684\u53f8\u6cd5\u7ba1\u8f96\u533a\u8fdb\u884c\u4e13\u95e8\u8bbe\u8ba1\u3002<\/li>\r\n          <li><strong>\u5728\u8fd9\u4e24\u79cd\u60c5\u51b5\u4e0b\uff0c\u5747\u91c7\u7528\u66f4\u4e3a\u4fdd\u5b88\u7684\u5ba1\u67e5\u9891\u7387\u3002<\/strong> \u5c06\u8bc4\u4f30\u89c6\u4e3a\u4e00\u4efd\u52a8\u6001\u6587\u4ef6\u2014\u2014\u5373\u5728\u53d1\u751f\u4efb\u4f55\u91cd\u5927\u53d8\u66f4\u65f6\u4ee5\u53ca\u81f3\u5c11\u6309\u56fa\u5b9a\u5468\u671f\u8fdb\u884c\u5ba1\u67e5\u2014\u2014\u65e2\u80fd\u6ee1\u8db3\u4e24\u5957\u76d1\u7ba1\u4f53\u7cfb\u7684\u8981\u6c42\uff0c\u4e5f\u80fd\u7ecf\u5f97\u8d77\u4efb\u4e00\u76d1\u7ba1\u673a\u6784\u7684\u5ba1\u67e5\u3002<\/li>\r\n          <li><strong>\u8bf7\u5173\u6ce8\u6fb3\u5927\u5229\u4e9a\u653f\u7b56\u4e0e\u8d23\u4efb\u7684\u8f6c\u79fb\u3002<\/strong> \u9274\u4e8e\u8fdd\u53cd\u653f\u7b56\u7684\u884c\u4e3a\u73b0\u5df2\u6d89\u53ca\u6c11\u4e8b\u5904\u7f5a\uff0c\u98ce\u9669\u504f\u597d\u4e0e\u7ba1\u63a7\u627f\u8bfa\u5e94\u5f53\u9002\u5ea6\uff0c\u5e76\u5177\u5907\u53ef\u64cd\u4f5c\u6027\u3002<\/li>\r\n          <li><strong>\u4fdd\u6301\u9700\u6c42\u5c42\u7ea7\u53ef\u89c1\u3002<\/strong> \u8bf7\u5728\u6587\u6863\u4e2d\u533a\u5206\u6cd5\u5b9a\u4e49\u52a1\u3001\u76d1\u7ba1\u671f\u671b\u4e0e\u6700\u4f73\u5b9e\u8df5\uff0c\u4ee5\u4fbf\u5ba1\u67e5\u4eba\u5458\u80fd\u591f\u660e\u786e\u5404\u9879\u63a7\u5236\u63aa\u65bd\u7684\u4f9d\u636e\u3002<\/li>\r\n          <li><strong>\u5bf9\u7167\u539f\u59cb\u8d44\u6599\u8fdb\u884c\u6838\u5b9e\u3002<\/strong> \u76f8\u5173\u76d1\u7ba1\u5236\u5ea6\u5747\u5904\u4e8e\u53d8\u52a8\u4e4b\u4e2d\u2014\u2014\u5305\u62ec\u6fb3\u5927\u5229\u4e9a\u7684\u300a2025\u5e74\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CTF\uff09\u89c4\u5219\u300b\u53ca\u51762026\u5e74\u4fee\u8ba2\u4e0e\u8fc7\u6e21\u6027\u89c4\u5219\uff0c\u4ee5\u53ca\u65b0\u897f\u5170\u6301\u7eed\u66f4\u65b0\u7684\u6307\u5bfc\u610f\u89c1\u3002\u5728\u6572\u5b9a\u4efb\u4f55\u4ea4\u4ed8\u6210\u679c\u4e4b\u524d\uff0c\u8bf7\u52a1\u5fc5\u786e\u8ba4\u6700\u65b0\u6587\u672c\u3002<\/li>\r\n        <\/ul>\r\n\r\n        <p>\u5728\u7ecf\u5f97\u8d77\u63a8\u6572\u7684\u6587\u4ef6\u4e2d\uff0c\u4ece\u4e1a\u4eba\u5458\u5e94\u533a\u5206\u4ee5\u4e0b\u51e0\u70b9\uff1a<\/p>\r\n        <ul class=\"plain-list\">\r\n          <li><strong>\u6cd5\u5b9a\u4e49\u52a1<\/strong> \uff08\u5f3a\u5236\u7684\uff09\u3002<\/li>\r\n          <li><strong>\u9644\u5c5e\u7acb\u6cd5<\/strong> \uff08\u89c4\u5219\u6216\u89c4\u7ae0\uff09\u3002<\/li>\r\n          <li><strong>\u7ecf\u6279\u51c6\u7684\u4e1a\u52a1\u5b88\u5219<\/strong> \uff08\u5982\u9002\u7528\uff09\u3002<\/li>\r\n          <li><strong>\u76d1\u7ba1\u6307\u5f15<\/strong><\/li>\r\n          <li class=\"translation-block\"><strong>\u76d1\u7ba1\u671f\u671b<\/strong>\u4f53\u73b0\u5728\u6267\u6cd5\u884c\u52a8\u548c\u4e13\u9898\u5ba1\u67e5\u4e2d\u3002<\/li>\r\n        <\/ul>\r\n      <\/section>\r\n\r\n      <aside class=\"disclaimer\">\r\n        <h2>\u5173\u4e8e\u672c\u7b80\u62a5<\/h2>\r\n        <p>\u672c\u7b80\u62a5\u4ec5\u4f9b\u63d0\u4f9b\u4e00\u822c\u6027\u8d44\u8baf\uff0c\u4e0d\u6784\u6210\u6cd5\u5f8b\u610f\u89c1\u3002\u5176\u5185\u5bb9\u53cd\u6620\u4e86\u622a\u81f32026\u5e746\u6708\u5bf9\u65b0\u897f\u5170\u53ca\u6fb3\u5927\u5229\u4e9a\u53cd\u6d17\u94b1\/\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\/\u6253\u51fb\u8d44\u52a9\u6269\u6563\uff08AML\/CFT\/CTF\uff09\u76d1\u7ba1\u6846\u67b6\u7684\u7406\u89e3\uff0c\u6db5\u76d6\u4e86\u7ecf\u4fee\u8ba2\u7684\u300a2006\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u6cd5\u300b\uff08\u8054\u90a6\uff09\uff08AML\/CTF Act 2006 (Cth)\uff09\u53ca\u300a2025\u5e74\u53cd\u6d17\u94b1\u4e0e\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u89c4\u5219\u300b\uff08AML\/CTF Rules 2025\uff09\u3002\u9274\u4e8e\u4e0a\u8ff0\u4e24\u56fd\u7684\u76d1\u7ba1\u5236\u5ea6\u5747\u5904\u4e8e\u6301\u7eed\u4fee\u8ba2\u4e4b\u4e2d\uff0c\u4e14\u6fb3\u5927\u5229\u4e9a\u7684\u6539\u9769\u5c1a\u5904\u4e8e\u8fc7\u6e21\u9636\u6bb5\uff0c\u5728\u4f9d\u636e\u76f8\u5173\u5185\u5bb9\u884c\u4e8b\u524d\uff0c\u52a1\u5fc5\u6838\u5b9e\u6700\u65b0\u7684\u6cd5\u5f8b\u3001\u89c4\u5219\u53ca\u76d1\u7ba1\u6307\u5f15\u3002\u5bf9\u4e8e\u5b58\u5728\u76d1\u7ba1\u4e0d\u786e\u5b9a\u6027\u7684\u4e8b\u9879\uff0c\u672c\u7b80\u62a5\u503e\u5411\u4e8e\u91c7\u7528\u5ba1\u614e\u7684\u89e3\u8bfb\u3002<\/p>\r\n      <\/aside>\r\n\r\n    <\/article>\r\n  <\/div>\r\n\r\n  <section class=\"cta\">\r\n    <div class=\"wrap col\">\r\n      <p class=\"eyebrow\">\u4e0e\u6211\u4eec\u5408\u4f5c<\/p>\r\n      <h2>\u65e0\u8bba\u662f\u5728\u5854\u65af\u66fc\u6d77\u7684\u54ea\u4e00\u4fa7\uff0c\u60a8\u662f\u5426\u6b63\u5728\u5236\u5b9a\u6216\u66f4\u65b0\u98ce\u9669\u8bc4\u4f30\uff1f<\/h2>\r\n      <p>\u6211\u4eec\u534f\u52a9\u62a5\u544a\u4e3b\u4f53\u8bbe\u8ba1\u98ce\u9669\u8bc4\u4f30\u53ca\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u8ba1\u5212\uff0c\u786e\u4fdd\u5176\u80fd\u591f\u7ecf\u53d7\u4f4f\u65b0\u897f\u5170\u548c\u6fb3\u5927\u5229\u4e9a\u76d1\u7ba1\u673a\u6784\u7684\u5ba1\u67e5\u3002<\/p>\r\n      <a class=\"btn\" href=\"https:\/\/grcconsulting.co.nz\/cn\/contact-us\/\">\u8054\u7cfb\u6211\u4eec\u7684\u53cd\u6d17\u94b1\uff08AML\uff09\u56e2\u961f <span class=\"arr\">&rarr;<\/span><\/a>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <div class=\"post-footer\">\r\n    <div class=\"wrap col\">\r\n      <span>GRC\u54a8\u8be2\u6709\u9650\u516c\u53f8<\/span>\r\n      <span>\u6d1e\u5bdf\u7b80\u62a5 \u00b7 2026\u5e746\u6708<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>GRC Consulting AML\/CFT &nbsp;&middot;&nbsp; Insight Brief Insight Brief &middot; Trans-Tasman The ML\/TF risk assessment: comparing the New Zealand and Australian regimes A practitioner comparison of the statutory risk assessment obligation under the AML\/CFT Act 2009 (NZ) and the reformed AML\/CTF Act 2006 (Cth) &mdash; current as at June 2026. June 2026\/ 8 min read\/ NZAU [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-554","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts\/554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/comments?post=554"}],"version-history":[{"count":6,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts\/554\/revisions"}],"predecessor-version":[{"id":562,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts\/554\/revisions\/562"}],"wp:attachment":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/media?parent=554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/categories?post=554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/tags?post=554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}