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在全球日益趋严的合规监管环境下,海外中资银行应深入思考如何能优选客户并提升客户粘性。2017年年初,境外金融市场一直在消化两则不寻常的新闻报导:第一则是全球市值最大的银行——美国富国银行,被查出未经客户授权秘密开设200多万个账户以提升员工销售业绩和赚取奖金,被美国监管机构累计处以1.85亿美元的罚款;第二则是香港金管局向所有在港银行发出通告,针对部分银行从合规及反洗钱风险角度出发拒绝为客
Under the increasingly stringent regulatory environment around the world, overseas Chinese banks should think deeply about how to optimize their customers and enhance their viscosities. In early 2017, overseas financial markets have been digesting two unusual news stories: first, the world’s largest bank, the Wells Fargo, was found guilty of opening more than 2 million accounts secretly without customer authorization Sales performance and earn bonuses, a total of 185 million U.S. dollars fined by the U.S. regulators. The second is that the Hong Kong Monetary Authority issued a circular to all banks in Hong Kong in response to some banks refusing to accept customers from the perspective of compliance and anti-money laundering risks