Update: COVID-19-Related Money Laundering and Terrorist Financing Risks

FATF更新：与新冠肺炎疫情相关的洗钱和恐怖主义融资风险及应对政策报告

16 December 2020 – The COVID-19 pandemic has led to unprecedented global challenges, human suffering and economic hardship. The pandemic has also spawned a range of COVID-19-related crimes, which are creating new sources of income for criminal networks. In May, the FATF highlighted the COVID-19-related money laundering and terrorist financing risks and policy responses. 

2020年12月16日，新冠肺炎疫情带来了前所未有的全球性挑战，人类遭受痛苦、经济变得困难。新冠肺炎疫情还催生了一系列相关的犯罪，这为犯罪网络创造了新的收入来源。5月，FATF重点发布了与新冠肺炎疫情相关的洗钱和恐怖分子融资风险以及应对政策的报告。

Today, the FATF releases an update to this report, highlighting the latest developments. Using input from the FATF Global Network of over 200 countries and jurisdictions, and from private and public sector webinars in July and September, the paper details how criminals continue to exploit the crisis. A selection of case studies illustrates how the risks have evolved as the pandemic has progressed, and how authorities have dealt with them. These include mounting cases of counterfeiting medical goods, cybercrime, investment fraud, charity fraud and abuse of economic stimulus measures. 

今天，FATF更新了 此报告，重点介绍了最新动态。本报告引用了来自200多个国家和地区以及7月和9月举办的公私部门网络研讨会的信息，详细介绍了犯罪分子如何继续利用这场危机。一系列案例研究表明，随着疫情的大范围扩散，风险是如何演变的，以及各国当局如何应对这些风险。其中包括不断增多的假冒医疗产品、网络犯罪、投资欺诈、慈善欺诈和滥用经济刺激措施的案件。

The paper confirms the concerns expressed by the FATF in May, including: 

该报告证实了FATF在5月表达的关注，包括：

* Changing financial behaviours - especially significant increases in online purchases due to widespread lockdowns and temporary closures of most physical bank branches, with services transitioning online. 

不断变化的金融行为，特别是由于大多数实体银行分支机构的普遍封闭和暂时关闭导致在线交易的增加，服务也在向线上转化。

* Increased financial volatility and economic contraction - largely caused by the losses of millions of jobs, closures of thousands of companies and a looming global economic crisis. 

金融动荡和经济收缩的加剧---主要是由于数以百万的失业，数千家公司倒闭以及迫在眉睫的全球经济危机所致。

To respond to these evolving risks, authorities and the private sector need to take a risk-based approach, as required by the FATF Standards. This means mitigating the money laundering and terrorist financing risks without disrupting essential and legitimate financial services and without driving financial activities towards unregulated service providers. 

为了应对这些不断演变的风险，主管部门和私营部门需要按照FATF标准的要求，采取风险为本的方法。这意味着在不中断基本和法定的金融服务，也不将金融活动推向不受监管的服务提供商的情况下，降低洗钱和恐怖分子融资的风险。

Supervisors should also clearly communicate about the national risk situations and regulatory expectations. There is no one-size-fits-all approach. However, the FATF’s report on risks and policy responses provides guidance on how jurisdictions should address these issues.

主管机构还应将有关国家风险状况和监管期望等信息进行充分沟通。尽管没有放之四海皆准的方法。但FATF关于风险和应对政策的报告为相关地区应如何解决这些问题提供了指导。