Unscramble what license plate of each country MSB falls to wash money orders instead

MSB, also call Money Service Business, namely: Money serves business. It is to be engaged in including to add the money of close money to trade, issue and foreign currency is changed, the legal tender Zha of the monetary business such as international remittance.

Because manage money to serve business to involve the environment of Xuan miscellaneous legislation that must abide by, abide by especially wash money instead (AML) code, different area needs global each country the law according to place, be made respectively and state of risk of solid bestow orgnaization washs money policy instead relative to what answer with be being reported to authorities. That is to say, MSB license plate is global banking industry unified and accepted money service manages aptitude, but the enterprise needs those who differ to abide by in license plate of MSB of different state application wash money policy and legal laws and regulations instead, for example:

§ England: MSB needs fibrous root occupies its business detail to superintend bureau or HMRC to register in financial act (pay close attention to public date and reply " England " , get British MSB to apply for to explain)

§ United States: MSB must execute the law in financial crime network (FinCen) in register, and by bureau of American state tax (IRS) undertake checkup, the law that abides by any relevant cities and federal (pay close attention to public date and reply " the United States " , get American MSB to apply for to explain)

§ Hong Kong: MSB is called business of monetary service operation (MSO) , and must apply for licence ability to custom begin professional work. The MSO of Hong Kong must be abided by " instead money and fear financing instead (financial orgnaization) byelaw " (pay close attention to public date and reply " Hong Kong " , get Hong Kong MSO to apply for to explain)

01

England

England washs money instead basically have related legislation: " narcotics traffic committed a crime 1986 law " , " 1990 criminal law " , " washed money orders instead 1993 " , " washed fund code instead 2001 " , " committed a crime 2002 earnings standard " and " washed fund code instead 2003 " . At present the mainest consult " washed money orders instead 1993 " , " committed a crime 2002 earnings standard " and " washed fund code instead 2003 " .

England washs money criminal legislation instead, raised the charge of the 2nd kind of blame that wash money, namely: Arrange guilty belongings blame. Opposite before " help other holds guilty interest blame " , new charge is surrounded in action shift Geng on wider, include him malfeasant to deal with already the behavior of guilty belongings, also include to stem from know perfectly well or suspect and deal with for other the behavior of guilty belongings. This one legislative purpose is the amplification that is based on main body of the crime that wash money, more tie invests an orgnaization, the behavior of the member that the management activity main body such as financial orgnaization and orgnaization of relevant society intermediary reachs its , the member that force these travel humanness must have legal consciousness to reach the consciousness that prevent Geng to washing money to commit a crime, be found out likely otherwise commit a crime to wash money and assume criminal responsibility.

In addition, england still decides nonperformance way voluntary action to give crime is changed, main body of compulsive requirement industry undertakes identity identifying, record is saved beforehand report with interior 3 big mechanisms. Compulsory to nonperformance law will give criminal responsibility, make precaution washs the buy before the behavior of money.

Among them, internal report obligation differs according to main body identity fine melt into declares a system 3 kinds, suffer administrative industry personnel and blame clearly to get government industry personnel and what obligation and contradictory right declare between general staff and controller of the report that wash money is divisional in sufferring administrative industry personnel, increased the maneuverability of internal report system and specific aim.

02

The United States

The United States washs money law to basically follow federal law instead, include among them " the bank is confidential 1970 law " , " control washed money way 1986 " , " 1992 A farming abstruse - bosom benefit washs money way instead " , " prohibited washing money way 1994 " and turn over file of sex of Geng of the compasses that wash money importantly " the United States washed fund strategy instead 2000 " .

As a result of " system of report of ready money business " in trade to the bulletin the amount of the definition the starting point of 10 thousand dollars is minor, cause report amount giant, report burden is heavy, basis " the bank is confidential law " relevant provision establishs group of to inquire and consult to serve as special orgnaization, will think to wash the executive effect of money system instead, develop a system thereby this some action.

Annual, the amount washing money that produces through international bank and financial orgnaization is in 500 billion to 1 trillion dollar between. According to estimation, these washing there is an in part in money undertake through American bank. To answer the assault September 11, 2001, american took advanced measure to hit wash money and aid financially terroristic. " 2001 American patriot act " right " the bank is confidential law " (BSA) undertook editing, ask the orgnaization builds all finance to wash money instead (AML) plan. This act aims to strengthen American precaution, investigate and sue wash money and the measure that aid financially terroristic behavior.

Through refining " the blame that wash money " behavior means is likely cover the action that wash money in the round, main component is: Finance trades the blame that wash money, tool of money of carry deliver goods spans American border washs money sin (also make cross condition the blame that wash money) , undertake with illegal belongings finance trades blame.

The United States asks to be in have great or doubtful when trading, to finance crime executes the law network (FinCEN) refer questionable activity to report (SAR) . FinCEN holds the position of branch of American finance information (FIU) . Financial orgnaization of the United States still must abide by strict client to identify a program, with test and verify the true identity of every client stops the activity that wash money.

03

Hong Kong

Hong Kong is washed instead basically include related money legislation 1989 " peddle poison (chase after demand an increase) byelaw " , 1994 " have organization and serious crime byelaw " , 2002 " U.N. (oppose terroristic measure) byelaw " and 2012 " blow washs money and terrorist capital. On this foundation, finance superintends a branch to be aimed at banking respectively, negotiable securities reachs futures industry, and insurance made blow wash money and terrorist capital to raise money how-to, wash money work in order to coach financial industry is begun instead.

Hong Kong turns over the job that wash money, by Hong Kong special zone the place that prohibit toxin is in charge of making integral policy, paralell connection combines a keep under control politics department, alarm superintendency orgnaization of general affairs of Wu place, custom, finance and economics and library Wu bureau, finance if: Management board of Hong Kong banking, the each finance orgnaization such as negotiable securities and futures control commission and bank and blame bank, harmonious advance wash money measure instead.

Among them, management board of Hong Kong banking made: " banking regulations " , " prevent to wash black money how-to " reach " compensatory file " ; Negotiable securities and futures control commission made: " negotiable securities course of study and futures orders " and " prevent to wash black money and terrorist to raise fund of the activity how-to " ; Place of insurance inspect manage made: " insurance company byelaw " and " prevent to wash black money and terrorist how-to " .

Of financial orgnaization wash money obligation to basically have instead: To the check of client identity, the record is saved, identify and inform against doubtful trade, employee education and groom etc.

Regard famous off shore finance as the center, the supervisory system that Hong Kong commits a crime to washing money is very comprehensive and perfect. The censorial system that also perfects as a result of this, just make the center of off shore banking that Hong Kong becomes the whole world to approbate.