加密機構
金融機構客户在提交资金来源 (SoF) 时经常遇到障碍。许多人问自己：“资金来源是什么意思？” 以及“它与财富来源有何不同？” 在本文中，我们为您提供该术语的明确定义并解释需要哪些文档。
资金来源是什么？
资金来源 (SoF) 是业务关系/交易开始时个人资金的来源，而资金来源证明 (PoSoF) 是提供有关此类资金来源信息的一份或多份文件，涵盖所有存款通过相关的资助方式。
为什么资金来源很重要？
建立资金来源之所以重要有几个原因。首先，它确认特定交易中的个人是真实的。其次，它使企业能够确保安全、打击欺诈并避免与非法活动挂钩。第三，这是在进行某些交易之前必须满足的强制性反洗钱 (AML) 要求之一。此外，司法管辖区监管机构在决定企业作为金融公司运营的资格时会密切关注 SoF。
反洗钱资金来源
SoF 是任何与金融交易相关的反洗钱程序的自然组成部分。然而，如果公司未能将 SoF 纳入其反洗钱程序，他们就会面临欺诈、声誉受损和巨额罚款的风险。特别是，当客户的财务出现问题或从反洗钱角度来看存在较高风险时，必须验证 SoF。
资金来源示例
无论是银行确定潜在房主的抵押贷款资格，还是企业寻求清除来自可疑客户的非法资金，都可以要求提供多种类型的 SoF 文件：
- 财务文件——完整的纳税申报表和经审计的财务报表；
- 商业文件——证明公司所有权的官方文件、公司注册文件、股票记录、宣传材料、网站地址、任何证明企业出售和企业估值的记录；
- 投资——过去三年的投资/证券账户证明、银行对账单、股票证书；
- 就业——证明就业的合同、许可证和推荐信；
- 房地产——财产抵押文件、房地产购买/出售、自有房地产估价、产生租赁收入的财产的租赁文件；
- 其他来源——有关离婚、继承、诉讼和礼物的文件。
上述所有文件都必须从不同角度详细说明资金来源。例如，如果客户声称他们的资金来自“礼物”，那么“礼物”人的简单注释是不够的。
此人还必须提交：
- 资金转账的书面证明；
- 一份个人陈述，解释如何赠送礼物的细节和情况；
- 证明捐赠者资金来源的文件；
- 礼物的纳税申报表。
无论如何，资金来源验证是客户入职过程中非常有价值的一个方面，您有能力让用户快速轻松地进行验证。
资金来源和财富来源之间的区别
资金来源（SoW）是客户与金融机构之间特定业务交易中使用的资金或资产的来源，而财富来源（SOW）着眼于参与交易的各方的总资产。
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