(a) 未索取充分资料以了解与客户建立业务关系的目的及其预期性质； 智通财经APP获悉，7月22日，香港金融管理局宣布，已根据《支付系统及储值支付工具条例》（香港 法例第584章）（《支付条例》）完成对三三金融服务有限公司（三三金融）的调查及纪律处分程序。 香港金融管理专员认定三三金融违反《支付条例》第8Q条，未能符合其附表3第2部第6(2)(b)条的最低 准则，予以谴责并处以160万港元罚款。 此次纪律处分行动基于香港金管局调查结果作出。调查发现，2019年12月1日至2023年8月31日期间，三 三金融未建立健全且适当的管控制度，以遵守《打击洗钱及恐怖分子资金筹集指引》（储值支付工具持 牌人适用）（《指引》）的相关段落。 违规行为涉及三三金融管控制度在以下三方面存在缺失： (a) 调查结果的严重性，以及三三金融过往已有与《支付条例》相关的纪律处分记录； (b) 需向业界传递明确威慑信息，表明有效管控措施及程序在应对洗钱及恐怖分子资金筹集风险方面的 重要性； (c) 三三金融在知悉香港金管局指出的缺失后已采取补救措施并加强管控制度； (d) 三三金融以合作态度解决香港金管局关注的问题。 香港金管局助理总裁（ ...

Core Points - The company, Minzhong Futures Limited (now known as Yucheng Global Futures Limited), was fined HKD 3.4 million by the Hong Kong Securities and Futures Commission (SFC) for failing to comply with anti-money laundering and counter-terrorist financing regulations from June 2017 to December 2018 [1][2] - The SFC temporarily suspended the license of Li Zhen, the company's managing director and key function supervisor, for four months due to his failure to fulfill responsibilities related to the company's compliance shortcomings [1] - The investigation revealed that Minzhong did not conduct due diligence on a self-established system used by 89 clients for trading instructions, leading to inadequate assessment and management of money laundering and terrorist financing risks [1] - The SFC found discrepancies between the financial status declared by six clients and the funds deposited in their accounts, indicating a lack of effective monitoring systems to detect and assess suspicious deposits [1] - Additionally, Minzhong failed to establish an effective ongoing monitoring system to detect suspicious trading patterns, as evidenced by frequent and large transactions from the same clients [1][2]

Core Viewpoint - The Hong Kong Securities and Futures Commission (SFC) has imposed a six-month ban on Wong Lai-suen, a former executive director of Ming Tai Fu Securities Limited, due to her failure to manage credit risk and identify suspicious trading patterns [1][2][3] Group 1: Regulatory Findings - The SFC's investigation revealed that in January 2021, three cash clients opened accounts at Ming Tai Fu and deposited only HKD 10,000 each, yet the firm granted them trading limits ranging from HKD 4 million to HKD 5 million without proper applications [1] - Following the approval of these trading limits, the clients engaged in transactions that were inconsistent with their financial status, which should have raised suspicions of potential market misconduct and money laundering [1] - Ming Tai Fu failed to identify these transactions as suspicious and did not report them to the Joint Financial Intelligence Unit or the SFC, indicating a lack of effective policies and procedures for managing credit risk and monitoring suspicious activities [1] Group 2: Disciplinary Actions - The SFC deemed the deficiencies at Ming Tai Fu to be serious, as they could undermine public confidence in the market and compromise its integrity [3] - The decision to discipline Wong was influenced by her acknowledgment of shortcomings in assessing suspicious transactions during the SFC's investigation [3] - Wong had no prior record of disciplinary actions against her, which was considered in the SFC's decision [3]