德银警告客户：若不完善合规信息恐无法获得贷款
Clients have been told to provide the information by the end of June or face the risk of getting cut off from new loans. 德银客户已被告知必须在6月底之前提交相关信息，否则会面临无法获得新贷款和其他服务的风险。 图片来源：KAI PFAFFENBACH/REUTERS
Deutsche Bank AG has given around 1,000 investment-banking clients a month or less to hand over company-ownership information and other documentation in the bank’s protracted effort to close compliance gaps, according to the bank and people familiar with the demands.
据德意志银行(Deutsche Bank AG, DB)和熟悉该行对客户所提要求的知情人士称，该行已经要求大约1,000名投资银行客户在一个月或更短时间内提交公司所有权信息和其他文件，此举旨在弥补合规漏洞，该行的相关工作已经拖延。
The “know your customer ( KYC )” letters have gone to asset managers and corporate clients in recent weeks as part of an continuing, multiyear effort, some of the people said.
一些知情人士称，德意志银行已在近几周将名为“了解你的客户”(Know your customer，简称KYC)的信函发送给资产管理公司和企业客户，这是该行一个持续多年项目中的一部分。
The clients have been told to provide the information by the end of June or face the risk of getting cut off from new loans and other services, one of the people said.
其中一位知情人士称，这些客户被告知必须在6月底之前提交相关信息，否则会面临无法获得新贷款和其他服务的风险。
“This is a standardized notification that has been sent to thousands of clients globally,” a Deutsche Bank spokeswoman said. The latest wave of letters, earlier reported by the Financial Times, pertains to certain products and requirements by the bank to screen transactions to prevent money laundering and other financial crimes by clients, the bank said.
德意志银行一名发言人称：“这是一份向全球数千名客户发送的标准化通知。”《金融时报》(Financial Times)此前报道了德银发送信函的举措。最新信函适用于特定产品和该行的某些规定，这些规定是为了筛查交易以防止客户从事洗钱和其他金融犯罪活动。
The German lender’s anticrime teams, along with managers inside the investment bank and other businesses, over the past several years have been going through thousands of customer accounts to identify high-risk clients and complete know-your-customer paperwork, some of it deficient, people inside and outside the bank say.
据该行内部和外部的知情人士称，过去几年，德意志银行反犯罪团队和旗下投行及其他业务的经理查阅了数千名客户的账户，以识别高风险客户并完成KYC的文书工作。
The latest client letters are focused on the global transaction bank, a person familiar with the communications said. That unit, which is part of the investment bank, lends money to companies to finance their global trade flows and processes international cash transfers for banks, other corporations and governments.
一名知情人士称，德银的致信对象集中在全球交易银行部的客户。该部门向企业提供贷款，为后者的国际贸易流动提供资金支持，此外还向银行、其他企业和政府提供跨国转账服务。
The business is a focus of investment by Deutsche Bank as it seeks to improve profits and shed unprofitable operations.
这是德银重点投资的一块业务。德银正寻求提升利润、缩减尚未盈利的业务。
Deutsche Bank has suffered repeated lapses in fighting such crime, including failures in its money-laundering controls, leading to costly settlements with regulators, new investigations and congressional scrutiny.
此前德银打击此类犯罪的努力多次出现问题，例如未能做好洗钱防控，导致其向监管部门支付高额和解金，面临新的调查，以及来自国会的审查等。
During a multiyear process of reviewing around 20,000 clients, the bank has severed relationships with an undisclosed number of clients and countries deemed possible conduits for money laundering and terrorism financing, according to people inside the bank and its regulators.
据德银和监管部门内部人士透露，在对大约2万个客户多年的评估过程中，德银切断了与一批客户和国家的关系，德银认为他们可能充当了洗钱和恐怖融资活动的管道。这批客户和国家的具体数量不详。
Still, new investigations into past transactions keep adding to Deutsche Bank’s regulatory headaches. As recently as last year, German regulators have found the bank missing documentation in rudimentary checks to police its compliance measures, resulting in public rebukes and government-approved monitoring.
不过，针对过去交易的新调查对本已面临监管压力的德银无疑是雪上加霜。就在去年，在为规范德银合规措施而进行的初步检查中，德国监管机构发现该行存在文件缺失情况，该行为此受到公开批评并招致政府批准的监督行动。
Jenny Strasburg
（本文版权归道琼斯公司所有，未经许可不得翻译或转载。）
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