u|fxs;]jfu|fxLsf] :ki6 klxrfg -Customer Due Diligence) sfod u/L ;f]sf] ljj/0f
/fVg' kg]{M +
!=! n]vfk/LIf0f Joj;foLn] s'g} JolQm;Fu cfkm\gf] k]zfut sfd sf/jfxLsf] l;nl;nfdf
;DjGw :yflkt ubf{ To:tf] u|fxs;]jfu|fxLsf] cg';"lr! adf]lhd klxrfg v'Ng]
sfuhft tyf ljj/0f lnO{ ;f]sf] clen]v /fVg' kg]{5 .
ljj/0f lbg' kg]{M lgb]{zg g+= ! adf]lhd n]vfk/LIf0f Joj;foLn] cfjZos ljj/0f dfUbf
To:tf] ljj/0f pknJw u/fpg] bfloTj ;DjlGwt u|fxs;]jfu|fxLsf] x'g]5 . s'g} sf/0fj;
To:tf] ljj/0f glbg] jf lbg g;Sg] u|fxs;]jfu|fxL;Fu n]vfk/LIf0f Joj;foLn] cfkm\gf]
sf/f]jf/ jf Joj;flos ;DaGw /fVg tTsfn OGsf/ ug{ ;Sg]5 . s'g} sf/0fn] ;DjGw
:yflkt ug{ O{Gsf/ ug{ g;lsg] cj:yf ePdf To:tf u|fxs;]jfu|fxL;+usf] sf/f]jf/nfO{
z+sf:kb sf/f]jf/ dfgL ;f]sf] ljj/0f cg';"lr@ adf]lhdsf] 9fFrfdf ljQLo hfgsf/L
OsfOdf k]z ug'{ kg]{5 .
#=
$=
;"rgf lbg' kg]{ z+sf:kb sfd sf/f]jf/sf] k|s[ltM ;DklQ z'l4s/0f -dgL nfp08l/_
lgjf/0f P]g, @)^$, ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f lgodfjnL, @)^^ tyf
o; lgb]{zg adf]lhd n]vfk/LIf0f Joj;foLn]] cfk\mgf] k]zfut sfd sf/jfxL l;nl;nfdf
s'g} klg :jb]zL jf ljb]zL gful/s, kmd{, sDkgL, ;+:yf jf lgsfon] ;DklQ z'l4s/0f,
cftssf/L sfo{ jf ;Da4 cGo s;"/hGo s'g} klg sfo{x? u/]sf], ug{ nfu]sf] jf ug{
1
k|of; u/]sf] yfxf x'g cfPdf jf b]lvPdf jf b]xfo adf]lhdsf] sfo{ u/] u/fPsf] jf ug{
nfu]] jf nufPsf] kfPdf jf z+sf nfu]df ;f] s'/f z+sf:kb sfo{ultljlwsf/f]jf/sf]
;"rgfsf] ?kdf cg';"rL@ sf] 9fFrfdf ljQLo hfgsf/L OsfOnfO{ tTsfn ;"rgf ug'{
kg]{5M
$=! s'g} klg u|fxs;]jfu|fxLn] g]kfn jf ljb]zdf s'g} s;"/ jf ck/fwaf6 k|fKt jf
k|rlnt sfg"g adf]lhd nfg Nofpg gldNg] s'g} klg k|sf/sf] ;DklQ -/sd ;d]t_,
;f]df k|of]u ePsf jf ug{ vf]lhPsf j:t', pks/0f jf s'g} klg >f]t ;fwg Nofpg
n}hfg jf ;f]sf] k|of]u jf pkof]udf u/]sf] jf ug{ vf]h]sf] kfO{Pdf,
$=@ cfkm"n] ;]jf k|bfg u/L /x]sf] s'g} klg u|fxs;]jfu|fxLn] g]kfn jf ljb]zdf s'g}
s;"/ jf ck/fwaf6 k|fKt /sd jf cGo s'g} klg k|sf/sf] ;DklQsf] Joj:yfkg ug]{
lhDdf lnPsf] jf lng] k|of; u/]sf]df,
$=# cfkm"n] ;]jf k|bfg u/L /x]sf] s'g} klg u|fxs;]jfu|fxLn] g]kfn jf ljb]zdf s'g}
s;"/ jf ck/fw ug{ u/fpg k|ToIf jf ck|ToIf pBf]u, d2t, ;xof]u, jf b'?T;fxg
u/] u/fPdf,
$=$ cfkm"n] ;]jf k|bfg u/L /x]sf] u|fxs;]jfu|fxL s'g} lsl;dn] ;DklQ z'l4s/0f
;DaGwL s;"/ jf s/, /fhZj tyf cGo ;/sf/L b:t'/ 5nL;Fu ;DjlGwt sfd
sf/jfxLdf ;+nUg ePsf] jf s'g}klg lsl;dsf] cfk/flws sfo{df k|ToIf jf
ck|ToIf?kdf ;+nUg ePsf] kfO{Pdf jf ;f]sf] z+sf nfu]df,
$=% cfkm"n] ;]jf k|bfg u/L /x]sf] u|fxs;]jfu|fxL s'g} klg lsl;dsf cft+sjfbL
lqmofsnfk jf /fli6o jf cGt//fli6o cft+sjfbL ;+u7gdf ;+nUg ePsf] kfO{Pdf jf
z+sf nfu]df,
$=^ cfkm"n] ;]jf k|bfg u/L /x]sf] s'g}klg u|fxs;]jfu|fxLn] k|rlnt sfg"g tyf n]vf
dfkb08 cg'?k n]vf g/fvL ;+:yfsf] >f]t ;fwgsf] b'?kof]u u/]sf] kfO{Pdf,
$=& cfkm"n] ;]jf k|bfg u/L /x]sf] u|fxs;]jfu|fxLn] jf:tljs sf/f]jf/ n'sfpg, sd
b]vfpg jf cjf:tljs sf/f]jf/ ePsf] egL b]vfpgsf nflu cfkm"nfO{ cg'/f]w ug]{,
bjfj lbg], k|efj kfg]{ sfo{ u/]df .
%=
http://www.un.org/sc/committees/1267/pdf/consolidatedlist.pdf
af6
k|fKt u/L ;f]sf] klxrfg / lgoGq0f ug]{ cfjZos ;+oGq lgdf{0f ug'{ kg]{ 5 .
%=$ g]kfnsf] k|rlnt sfg"g jf sfg"gL Joj:yfn] cGoyf u/]sf]df afx]s n]vfk/LIf0f
Joj;foLn] ljleGg d'n'sn] cft+ssf/L jf cfk/flws lu/f]xsf ?kdf 3f]if0ff u/]sf
s'g} ;+:yf, ;d"x jf JolQm / To:tf;Fu ;Da4 s'g} klg ;+:yf, ;d"x jf JolQm
cfkm\gf] u|fxs;]jfu|fxL ePsf] yfxf kfPdf tTsfn z+sf:kb sf/f]jf/sf] ?kdf o;
OsfO{nfO{ k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f ug]{ ;DalGwt ;/sf/L
clwsf/LnfO{ ;d]t lbg' kg]{5 .
^=
&=
sfof{Gjog clws[tM n]vfk/LIf0f Joj;foL cfkm} jf cfkm";Fu sfo{ ug]{ s'g} JolQmnfO{
;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, ljQLo hfgsf/L OsfOsf] lgb]{zg tyf
o; ;DaGwL cGo k|rlnt sfg"g adf]lhdsf] sfo{ ug]{ kmf]sn KjfOG6sf] ?kdf sfd ug{
3
Ps sfo{Gjog clws[tsf] Joj:yf ug'{ kg]{5 . o;/L sfd ug]{ JolQmsf] gfd, 7]ufgf,
;Dks{ gDj/, Od]n nufotsf ljj/0f ljQLo hfgsf/L OsfO{df k7fpg' kg]{5 .
*=
(=
!)=
Od]nM
reportfiu@nrb.org.np
cg';"rL !
u|fxs;]jfu|fxL kl/ro ;DaGwL k|lqmof
n]vfk/LIf0f Joj;foL n] sf/f]jf/sf] ;Gbe{df u|fxs;]jfu|fxLsf] b]xfo adf]lhdsf] ;"rgf
tyf sfuhftx? lng' kg]5
{ .
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cg';"lr @
n]vfk/LIf0f Joj;foL n] z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
n]vfk/LIf0f Joj;foL sf] gfdM
qm=;+
u|fxs;]jfu|fxLsf] gfd /
7]ufgf
;]jf k|bfg
u/]sf] ldlt
u|fxs;]jfu|fxLsf]
sfd sf/f]jf/sf]
k|s[lt
z+sf:kb x'gfsf]
sf/0f
s}lkmot
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