The World Bank Risk Assessment Methodology （世界银行的风险评估方法）.pdf

The World Bank Risk Assessment Methodology 1. Background World Bank has attached high importance to money laundering and terrorist financing risk assessment from the early years of the recognition of risk based approach in AML/CFT area and has actively helped client countries to assess these risks. In doing so, the World Bank developed two national risk assessment tools (First Generation and Second Generation National Risk Assessment tools) as well as national risk assessment process, with a view to facilitate the risk assessment even in the countries where the data and statistics are limited. The World Bank tools are essentially, although not limited to, self-assessment tools in order to help the countries develop their capacity to collect and analyse the useful data, statistics and information and introduce a risk based approach. 2. The NRA Tools Developed by the World Bank First Generation Tool First Generation tool is an Excel-based template that was developed initially by the World Bank and later integrated into the Strategic Implementation Programming (SIP) framework, which is a joint initiative by the World Bank and Asia Pacific Group on Money Laundering (APG). In this regard, refinement of the first generation NRA tool has greatly benefited from participation of APG members and partners. The first generation NRA tool is offered to client countries by the World Bank also on a stand-alone basis as it may be suitable to them, taking into account their size of economy, sophistication and depth of financial sector and Designated Non-Financial Businesses and Professions (DNFBPs), and complexity of ML/TF crime, among others. The first generation NRA tool utilises a matrix approach in assessing the ML and TF risks. The risk assessment template focuses on th