反洗钱 Anti-money Laundering

反洗钱(Anti-money laundering or AML)是为防止通过精心设计的行动来产生非法收入并使其合法化而建立的一套规定、指示、法律和程序。
Anti-money laundering or AML is a set of regulations, instructions, laws and procedures, established to prevent the practice of generating illegal income and its legalization through specially designed actions.
“反洗钱”规定要求公司和金融机构通过尽职调查的程序对客户进行审查，并证明客户资产来源是合法的。金融机构必须核实大额资金的来源，追踪可疑活动，针对大额现金交易提供报告。金融机构也有责任告知客户关于“反洗钱”做法和必需程序。
AML regulations oblige companies and financial institutions to vet their customers through due-diligence procedures and prove the legal source of a customer’s assets. Financial institutions must verify the origin of large sums of money, track suspicious activities and report large cash transactions. It’s also the responsibility of institutions to notify customers about AML practices and required procedures.
“反洗钱”不仅能阻止洗钱活动本身，而且有助于通过发现资金来源来防止非法活动，也有利于通过追踪资金流动来捕抓罪犯。
AML is considered to be not only useful in stopping money laundering itself, but also in preventing illegal activities by discovering the source of this money, and helps to trace criminals through the tracking of financial flows.