Regulations Governing Anti-Money Laundering and Countering the Financing of Terrorism for Jewelry Businesses Article 4
Jewelry businesses shall undertake customer due diligence (CDD) measures in any of the following situations:1.Carrying out a cash transaction greater or equal to NTD 500,000 (or its equivalent in foreign currencies) amount; or2.There is a suspicion of money laundering or terrorist financing; or3.Jewelry businesses have doubts about the veracity or adequacy of previously obtained customer identification data.Jewelry businesses shall use reliable, independent source documents for CDD measures, and take the following approach:1.Jewelry businesses shall examine the customer’s national identification card, national health insurance card, passport, or other similar official identification documents to identify the customer's identity, and shall retain copies of the customer's identity documents or record the relevant information thereon.2.Jewelry businesses shall know that any person purporting to act on behalf of the customer is so authorized, and identify the identity of that person. In addition, jewelry businesses shall retain copies of the person's identity documents or record the relevant information thereon.3.If the customer is a legal person or an organization, jewelry businesses shall understand the business nature of the customer and record customer’s name, taxpayer identification number, responsible person, the address of its principal place of business and other information.The information of customer’s identities and transaction records, such as name, business name, identity number, responsible person, address of its principal place of business, phone number, transaction date, item, unit price, quantity and the total transaction amounts mentioned in preceding paragraph, shall be maintained in their original forms for at least five years following completion of the transaction.If there exists any of the following situations in the CDD process, jewelry businesses shall consider declining to carry out any transaction with the customer:1.The customer is suspected of opening an anonymous account or using a fake name, a nominee, a shell firm, or a shell corporation or entity to conduct a transaction;2.The customer refuses to provide the required documents for identifying and verifying its identity;3.The customer uses forged or altered identification documents;4.Other unusual circumstances exist in the process of conducting transactions and the customer fails to provide reasonable explanations.
中文原文 銀樓業防制洗錢與打擊資恐施行及申報辦法第4條
銀樓業於下列情形時，應確認客戶身分：
一、交易金額達新臺幣五十萬元（含等值外幣）之現金交易。
二、發現疑似洗錢或資恐交易。
三、對於過去所取得客戶身分資料之真實性或妥適性有所懷疑。
銀樓業確認客戶身分，應運用可靠、獨立之原始文件，並採取下列方式：
一、應檢視身分證明文件，如身分證、健保卡、護照或類似之官方身分證明文件等，以辨識客戶身分，並保存該身分證明文件影本或予以記錄。
二、對於由代理人辦理者，應瞭解代理之事實，並檢視代理人身分證明文件，以辨識代理人身分，並保存該身分證明文件影本或予以記錄。
三、對於客戶為法人或團體時，應瞭解客戶之業務性質，取得客戶之名稱、統一編號、負責人及營業處所等資訊，並予以記錄。
前項客戶身分及交易紀錄資料，如姓名、名稱、統一編號、負責人、營業處所、電話、交易日期、交易品項、單價、數量及交易總金額，應以原本方式自交易完成時起留存至少五年。
銀樓業於確認客戶身分時，有下列情形之一者，應考量婉拒進行交易：
一、發現客戶疑似使用匿名、假名、人頭、虛設行號或虛設法人團體名義進行交易。
二、客戶拒絕提供確認身分所需相關文件。
三、客戶持用偽造或變造身分證明文件。
四、有其他異常情形，客戶無法提出合理說明。
一、交易金額達新臺幣五十萬元（含等值外幣）之現金交易。
二、發現疑似洗錢或資恐交易。
三、對於過去所取得客戶身分資料之真實性或妥適性有所懷疑。
銀樓業確認客戶身分，應運用可靠、獨立之原始文件，並採取下列方式：
一、應檢視身分證明文件，如身分證、健保卡、護照或類似之官方身分證明文件等，以辨識客戶身分，並保存該身分證明文件影本或予以記錄。
二、對於由代理人辦理者，應瞭解代理之事實，並檢視代理人身分證明文件，以辨識代理人身分，並保存該身分證明文件影本或予以記錄。
三、對於客戶為法人或團體時，應瞭解客戶之業務性質，取得客戶之名稱、統一編號、負責人及營業處所等資訊，並予以記錄。
前項客戶身分及交易紀錄資料，如姓名、名稱、統一編號、負責人、營業處所、電話、交易日期、交易品項、單價、數量及交易總金額，應以原本方式自交易完成時起留存至少五年。
銀樓業於確認客戶身分時，有下列情形之一者，應考量婉拒進行交易：
一、發現客戶疑似使用匿名、假名、人頭、虛設行號或虛設法人團體名義進行交易。
二、客戶拒絕提供確認身分所需相關文件。
三、客戶持用偽造或變造身分證明文件。
四、有其他異常情形，客戶無法提出合理說明。