金融行动特别工作组标准与普惠金融:为改善诚信与普惠政策目标之间的一致性，应该做什么和不应该做什么?

ERN: Non-Pecuniary Motivation & Incentives (Topic) Pub Date : 2020-08-23 DOI:10.2139/ssrn.3679779

Louis de Koker

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引用次数: 2

摘要

该工作文件的起草是为了满足金融行动特别工作组关于扩大基于风险的扩散融资方法的公众咨询进程的2020年8月31日截止日期。该文件主要借鉴了我们在过去二十年的研究论文中提出的建议，以强调以下几点:•将FATF的金融包容性重点从获得金融服务扩大到这些服务的实际使用;•要求监管部门理解在低风险情况下不简化CDD的机构决策;•在不考虑扩散融资对普惠金融的影响的情况下，不要将FATF基于风险的措施扩展到扩散融资;•确保FATF标准支持协同客户尽职调查，以提高“反洗钱”/“反恐融资”控制措施的有效性和效率。

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Financial Action Task Force Standards and Financial Inclusion: What Should Be Done – and What Should Not Be Done – to Improve the Alignment Between Integrity and Inclusion Policy Objectives?

The working paper was drafted to meet the 31 August 2020 deadline of the Financial Action Task Force’s public consultation process relating to the extension of the risk-based approach to proliferation financing. The paper draws primarily on recommendations made in our research papers over the past two decades to highlight the following:

• Broaden FATF’s financial inclusion focus from access to financial services to actual usage of those services;
• Require supervisory understanding of institutional decisions not to simplify CDD in lower risk scenarios;
• Do not extend FATF’s risk-based measures to proliferation financing without considering its impact on financial inclusion;
• Ensure that the FATF standards support collaborative Customer Due Diligence to increase the effectiveness and efficiency of AML/CFT control measures.

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ERN: Non-Pecuniary Motivation & Incentives (Topic)

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