{"id":7529,"date":"2024-08-09T09:00:12","date_gmt":"2024-08-09T02:00:12","guid":{"rendered":"https:\/\/easylink.id\/?p=7529"},"modified":"2025-06-19T16:21:29","modified_gmt":"2025-06-19T09:21:29","slug":"anti-money-laundering-aml","status":"publish","type":"post","link":"https:\/\/easylink.id\/zh\/anti-money-laundering-aml\/","title":{"rendered":"\u53cd\u6d17\u94b1 (AML)\uff1a\u5b83\u662f\u4ec0\u4e48\u53ca\u5176\u8fd0\u4f5c\u65b9\u5f0f"},"content":{"rendered":"<article>\n<section>\u5728\u5168\u7403\u5316\u3001\u6570\u5b57\u5316\u65f6\u4ee3\uff0c\u91d1\u878d\u5b89\u5168\u5df2\u6210\u4e3a\u5927\u5bb6\u5fc5\u987b\u5173\u6ce8\u7684\u91cd\u8981\u65b9\u9762\u3002\u6211\u4eec\u4e2d\u7684\u8bb8\u591a\u4eba\u8fdb\u884c\u5728\u7ebf\u4ea4\u6613\u5e76\u4f7f\u7528\u5404\u79cd\u6570\u5b57\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<p>\u4f46\u662f\uff0c\u60a8\u662f\u5426\u77e5\u9053\u5b58\u5728\u53ef\u80fd\u5371\u53ca\u91d1\u878d\u4f53\u7cfb\u5b8c\u6574\u6027\u7684\u6d17\u94b1\u5a01\u80c1\uff1f\u8fd9\u5c31\u662f\u4e86\u89e3\u53cd\u6d17\u94b1 (AML) \u7684\u91cd\u8981\u6027\u3002\u672c\u6587\u5c06\u4ece\u53cd\u6d17\u94b1\uff08AML\uff09\u7684\u5386\u53f2\u3001\u7528\u9014\u548c\u5176\u4ed6\u5404\u4e2a\u76f8\u5173\u65b9\u9762\u5165\u624b\uff0c\u6df1\u5165\u8ba8\u8bba\u53cd\u6d17\u94b1\uff08AML\uff09\u3002<\/p>\n<\/section>\n<section>\n<h2>\u4ec0\u4e48\u662f\u53cd\u6d17\u94b1 (AML)<\/h2>\n<p>\u53cd\u6d17\u94b1 (AML) \u6216\u53cd\u6d17\u94b1\u662f\u65e8\u5728\u9632\u6b62\u6d17\u94b1\u884c\u4e3a\u7684\u4e00\u7cfb\u5217\u7a0b\u5e8f\u3001\u6cd5\u5f8b\u548c\u6cd5\u89c4\u3002\u6d17\u94b1\u662f\u6307\u5c06\u4ece\u8d29\u6bd2\u6216\u6b3a\u8bc8\u7b49\u975e\u6cd5\u6d3b\u52a8\u4e2d\u83b7\u5f97\u7684\u5229\u6da6\u4f2a\u88c5\u6210\u5408\u6cd5\u6536\u5165\u7684\u8fc7\u7a0b\u3002\u53cd\u6d17\u94b1\u65e8\u5728\u68c0\u6d4b\u548c\u62a5\u544a\u53ef\u80fd\u4e0e\u6d17\u94b1\u6216\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u6709\u5173\u7684\u53ef\u7591\u6d3b\u52a8\u3002<\/p>\n<\/section>\n<section>\n<h2>\u53cd\u6d17\u94b1 (AML) \u7684\u5386\u53f2<\/h2>\n<figure><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/easylink.id\/wp-content\/uploads\/2024\/08\/sejarah-anti-money-laundering-aml.webp\" alt=\"sejarah anti money laundering (aml)\" width=\"907\" height=\"510\" \/><figcaption>\u53cd\u6d17\u94b1 (AML) \u7684\u5386\u53f2<\/figcaption><\/figure>\n<p>\u6d17\u94b1\u7684\u6982\u5ff5\u6700\u65e9\u51fa\u73b0\u4e8e20\u4e16\u7eaa20\u5e74\u4ee3\u7684\u7f8e\u56fd\uff0c\u5f53\u65f6\u72af\u7f6a\u5206\u5b50\u901a\u8fc7\u6572\u8bc8\u52d2\u7d22\u3001\u5356\u6deb\u3001\u8d4c\u535a\u3001\u9500\u552e\u975e\u6cd5\u9152\u7cbe\u996e\u6599\u548c\u8d29\u8fd0\u6bd2\u54c1\u7b49\u5404\u79cd\u72af\u7f6a\u6d3b\u52a8\u6765\u83b7\u53d6\u91d1\u94b1\u3002\u4ed6\u4eec\u901a\u8fc7\u5c06\u8fd9\u4e9b\u975e\u6cd5\u8d44\u91d1\u6295\u8d44\u4e8e\u5408\u6cd5\u4f01\u4e1a\uff08\u5305\u62ec\u81ea\u52a9\u6d17\u8863\u5e97\uff09\u6765\u63a9\u76d6\u8fd9\u4e9b\u975e\u6cd5\u8d44\u91d1\u7684\u6765\u6e90\uff0c\u8fd9\u6210\u4e3a\u5f53\u65f6\u7f8e\u56fd\u7684\u5178\u578b\u8c61\u5f81\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u968f\u7740\u7f8e\u56fd\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b(BSA)\u7684\u9881\u5e03\uff0c\u53cd\u6d17\u94b1(AML)\u6cd5\u89c4\u4e8e1970\u5e74\u6b63\u5f0f\u5f00\u59cb\uff0c\u65e8\u5728\u6253\u51fb\u4e0e\u8d29\u6bd2\u76f8\u5173\u7684\u6d17\u94b1\u6d3b\u52a8\u3002<\/p>\n<p>1989\u5e74\uff0c\u4e03\u56fd\u96c6\u56e2\u56fd\u5bb6\u6210\u7acb\u4e86\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\uff08FATF\uff09\uff0c\u65e8\u5728\u5728\u5168\u7403\u8303\u56f4\u5185\u5236\u5b9a\u548c\u63a8\u5e7f\u53cd\u6d17\u94b1\u653f\u7b56\u3002 9\/11 \u6050\u6016\u88ad\u51fb\u4e4b\u540e\uff0c\u53cd\u6d17\u94b1\u6cd5\u89c4\u5f97\u5230\u52a0\u5f3a\u548c\u6269\u5927\uff0c\u4ee5\u5e94\u5bf9\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u95ee\u9898\u3002<\/p>\n<\/section>\n<section>\n<h2>\u8c01\u4f7f\u7528\u53cd\u6d17\u94b1 (AML)<\/h2>\n<p>\u5404\u79cd\u7c7b\u578b\u7684\u91d1\u878d\u673a\u6784\u90fd\u4f7f\u7528\u53cd\u6d17\u94b1\uff0c\u5305\u62ec\u94f6\u884c\u3001\u4fdd\u9669\u516c\u53f8\u3001\u6295\u8d44\u516c\u53f8\u548c\u5176\u4ed6\u91d1\u878d\u673a\u6784\u3002\u6b64\u5916\uff0c\u653f\u5e9c\u673a\u6784\u548c\u56fd\u9645\u7ec4\u7ec7\u4e5f\u5b9e\u65bd\u53cd\u6d17\u94b1\u653f\u7b56\uff0c\u4ee5\u7ef4\u62a4\u5168\u7403\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\u3002\u8fd9\u4e9b\u673a\u6784\u5fc5\u987b\u9075\u5b88\u53cd\u6d17\u94b1\u6cd5\u89c4\u5e76\u5411\u6709\u5173\u5f53\u5c40\u62a5\u544a\u53ef\u7591\u6d3b\u52a8\u3002<\/p>\n<\/section>\n<section>\n<h2>\u53cd\u6d17\u94b1 (AML) \u793a\u4f8b<\/h2>\n<p>\u53cd\u6d17\u94b1\u5305\u62ec\u4e3a\u68c0\u6d4b\u548c\u62a5\u544a\u53ef\u7591\u91d1\u878d\u6d3b\u52a8\u800c\u91c7\u53d6\u7684\u5404\u79cd\u6b65\u9aa4\u548c\u884c\u52a8\u3002\u8fd9\u5305\u62ec\u5236\u5b9a\u548c\u5b9e\u65bd\u4e13\u95e8\u7528\u4e8e\u68c0\u6d4b\u548c\u62a5\u544a\u6d17\u94b1\u6d3b\u52a8\u7684\u5185\u90e8\u653f\u7b56\u548c\u7a0b\u5e8f\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u91d1\u878d\u673a\u6784\u8fd8\u4e3a\u5458\u5de5\u63d0\u4f9b\u6559\u80b2\u548c\u57f9\u8bad\uff0c\u4ee5\u4fbf\u4ed6\u4eec\u80fd\u591f\u9002\u5f53\u8bc6\u522b\u548c\u62a5\u544a\u53ef\u7591\u6d3b\u52a8\u3002<\/p>\n<p>\u4e3a\u4e86\u786e\u4fdd\u9075\u5b88\u53cd\u6d17\u94b1\u6cd5\u89c4\uff0c\u5b9a\u671f\u8fdb\u884c\u5185\u90e8\u548c\u5916\u90e8\u5ba1\u8ba1\u3002\u8be5\u5ba1\u8ba1\u65e8\u5728\u5ba1\u67e5\u548c\u6539\u8fdb\u73b0\u6709\u7a0b\u5e8f\uff0c\u786e\u4fdd\u91c7\u53d6\u7684\u6240\u6709\u884c\u52a8\u5747\u7b26\u5408\u65e2\u5b9a\u6807\u51c6\u3002<\/p>\n<p>\u5b9e\u65bd\u53cd\u6d17\u94b1 (AML) \u6216\u53cd\u6d17\u94b1\u9700\u8981\u91c7\u53d6\u5404\u79cd\u6b65\u9aa4\u548c\u7a0b\u5e8f\uff0c\u4ee5\u786e\u4fdd\u91d1\u878d\u6d3b\u52a8\u4fdd\u6301\u5b89\u5168\u4e14\u514d\u53d7\u72af\u7f6a\u4fb5\u5bb3\u3002\u91d1\u878d\u673a\u6784\u4e3a\u5b9e\u65bd\u53cd\u6d17\u94b1\u800c\u91c7\u53d6\u7684\u4e00\u4e9b\u884c\u52a8\u5305\u62ec\uff1a<\/p>\n<ol>\n<li>\u5411\u6709\u5173\u5f53\u5c40\u62a5\u544a\u53ef\u7591\u4ea4\u6613\uff0c\u4ee5\u9632\u6b62\u548c\u8bc6\u522b\u6d17\u94b1\u4f01\u56fe\u3002<\/li>\n<li>\u901a\u8fc7\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d(KYC) \u6d41\u7a0b\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\uff0c\u91d1\u878d\u673a\u6784\u4f1a\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\uff0c\u786e\u4fdd\u5176\u771f\u5b9e\u8eab\u4efd\u3002\u6b64\u5916\uff0c\u5bf9\u4e8e\u8de8\u5883\u4ea4\u6613\uff0c\u94f6\u884c\u548c\u91d1\u878d\u670d\u52a1\u673a\u6784\u90fd\u4f1a\u8fdb\u884c\u989d\u5916\u7684\u53cd\u6d17\u94b1 (AML) \u5ba1\u67e5\uff0c\u5ba1\u67e5\u8fc7\u7a0b\u5927\u7ea6\u9700\u8981 96 \u5c0f\u65f6\u3002\u8be5\u6d41\u7a0b\u5305\u62ec\u6587\u4ef6\u68c0\u67e5\u3001\u8d44\u91d1\u6765\u6e90\u9a8c\u8bc1\u548c\u98ce\u9669\u5206\u6790\uff0c\u4ee5\u786e\u4fdd\u6240\u6709\u4ea4\u6613\u5b89\u5168\u5e76\u7b26\u5408\u56fd\u9645\u6cd5\u89c4\u3002<\/li>\n<li>\u6301\u7eed\u76d1\u63a7\u5e10\u6237\u6d3b\u52a8\u4ee5\u68c0\u6d4b\u5f02\u5e38\u6216\u53ef\u7591\u6a21\u5f0f\u3002<\/li>\n<li>\u4e3a\u5458\u5de5\u63d0\u4f9b\u6709\u5173\u53cd\u6d17\u94b1\u653f\u7b56\u548c\u7a0b\u5e8f\u7684\u57f9\u8bad\uff0c\u4ee5\u786e\u4fdd\u6240\u6709\u5458\u5de5\u4e86\u89e3\u5e76\u80fd\u591f\u6839\u636e\u9002\u7528\u6cd5\u89c4\u8bc6\u522b\u548c\u62a5\u544a\u53ef\u7591\u6d3b\u52a8\u3002<\/li>\n<\/ol>\n<\/section>\n<section>\n<h2>\u6d17\u94b1\u7684\u4e09\u4e2a\u9636\u6bb5<\/h2>\n<p>\u6d17\u94b1\u5bf9\u5168\u7403\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\u6784\u6210\u4e25\u91cd\u5a01\u80c1\u3002\u4e3a\u4e86\u89e3\u51b3\u8fd9\u4e2a\u95ee\u9898\uff0c\u53cd\u6d17\u94b1\uff08AML\uff09\u63aa\u65bd\u65e8\u5728\u68c0\u6d4b\u548c\u9632\u6b62\u975e\u6cd5\u8d44\u91d1\u6d41\u52a8\u3002\u53cd\u6d17\u94b1\u6d41\u7a0b\u7531\u4e09\u4e2a\u4e3b\u8981\u9636\u6bb5\u7ec4\u6210\uff0c\u89e3\u91ca\u5982\u4e0b\uff1a<\/p>\n<ol>\n<li><b>\u653e\u7f6e\uff1a<\/b> \u6d17\u94b1\u7684\u5b89\u7f6e\u9636\u6bb5\u662f\u5c06\u975e\u6cd5\u8d44\u91d1\u6ce8\u5165\u91d1\u878d\u7cfb\u7edf\u3002\u8fd9\u901a\u5e38\u662f\u901a\u8fc7\u5c06\u5927\u91cf\u73b0\u91d1\u5206\u6210\u8f83\u5c0f\u91d1\u989d\u5b58\u5165\u94f6\u884c\u5e10\u6237\u6216\u8d2d\u4e70\u652f\u7968\u6216\u6c47\u7968\u7b49\u7136\u540e\u5b58\u5165\u53e6\u4e00\u4e2a\u5e10\u6237\u6765\u5b8c\u6210\u7684\u3002<\/li>\n<li><b>\u6d82\u5c42\uff1a<\/b> \u8fd9\u4e9b\u8d44\u91d1\u53ef\u80fd\u901a\u8fc7\u6295\u8d44\u8d2d\u4e70\u3001\u63a7\u80a1\u516c\u53f8\u8f6c\u79fb\uff0c\u6216\u901a\u8fc7\u4e16\u754c\u5404\u5730\u7684\u4e00\u7cfb\u5217\u94f6\u884c\u8d26\u6237\u8f6c\u79fb\uff0c\u7279\u522b\u662f\u5728\u4e0d\u914d\u5408\u53cd\u6d17\u94b1\u8c03\u67e5\u7684\u53f8\u6cd5\u7ba1\u8f96\u533a\u3002<\/li>\n<li><b>\u4e00\u4f53\u5316\uff1a<\/b> \u6574\u5408\u9636\u6bb5\u662f\u6d17\u94b1\u8fc7\u7a0b\u7684\u6700\u540e\u4e00\u6b65\uff0c\u72af\u7f6a\u8005\u8bd5\u56fe\u5c06\u975e\u6cd5\u8d44\u91d1\u6574\u5408\u5230\u5408\u6cd5\u7684\u91d1\u878d\u4f53\u7cfb\u4e2d\u3002\u4e3a\u4e86\u5728\u4e0d\u5f15\u8d77\u6267\u6cd5\u90e8\u95e8\u6216\u7a0e\u52a1\u673a\u5173\u6ce8\u610f\u7684\u60c5\u51b5\u4e0b\u4f7f\u7528\u8fd9\u4e9b\u8d44\u91d1\uff0c\u72af\u7f6a\u8005\u53ef\u4ee5\u6295\u8d44\u623f\u5730\u4ea7\u3001\u8c6a\u534e\u8d44\u4ea7\u6216\u5546\u4e1a\u4f01\u4e1a\u3002<\/li>\n<\/ol>\n<\/section>\n<section>\n<h2>AML\u3001CDD\u3001KYC \u4e4b\u95f4\u7684\u5dee\u5f02<\/h2>\n<figure><img decoding=\"async\" src=\"https:\/\/easylink.id\/wp-content\/uploads\/2024\/08\/perbedaan-aml-kyc-cdd.webp\" alt=\"perbedaan aml, kyc, cdd\" width=\"907\" height=\"510\" \/><figcaption>Perbedaan AML, KYC, dan CDD<\/figcaption><\/figure>\n<p>\u5728\u91d1\u878d\u9886\u57df\uff0c\u6709\u51e0\u4e2a\u91cd\u8981\u672f\u8bed\u7ecf\u5e38\u7528\u4e8e\u63cf\u8ff0\u9488\u5bf9\u6d17\u94b1\u7b49\u975e\u6cd5\u6d3b\u52a8\u7684\u5404\u79cd\u9884\u9632\u63aa\u65bd\uff1a<\/p>\n<ol>\n<li><b>AML\uff08\u53cd\u6d17\u94b1\uff09\uff1a<\/b> \u8fd9\u662f\u901a\u8fc7\u5b9e\u65bd\u5404\u79cd\u653f\u7b56\u548c\u7a0b\u5e8f\u6765\u9632\u6b62\u6d17\u94b1\u7684\u52aa\u529b\u3002<\/li>\n<li><b>CDD\uff08\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff09\uff1a<\/b> \u6b64\u8fc7\u7a0b\u6d89\u53ca\u8bc6\u522b\u548c\u9a8c\u8bc1\u5ba2\u6237\u7684\u8eab\u4efd\u4ee5\u53ca\u8bc4\u4f30\u53ef\u80fd\u4e0e\u5176\u76f8\u5173\u7684\u98ce\u9669\u3002<\/li>\n<li><b>KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\uff1a<\/b> CDD \u6d41\u7a0b\u7684\u4e00\u90e8\u5206\uff0c\u91cd\u70b9\u662f\u6536\u96c6\u548c\u9a8c\u8bc1\u5ba2\u6237\u4fe1\u606f\uff0c\u4ee5\u786e\u4fdd\u4ed6\u4eec\u7684\u771f\u5b9e\u8eab\u4efd\u3002<\/li>\n<\/ol>\n<\/section>\n<section>\n<h2>\u4e86\u89e3\u60a8\u7684\u5ba2\u6237 (KYC)<\/h2>\n<p>KYC \u662f\u8bc6\u522b\u548c\u7406\u89e3\u5ba2\u6237\u8eab\u4efd\u548c\u6d3b\u52a8\u7684\u8fc7\u7a0b\u3002\u8fd9\u5305\u62ec\u6536\u96c6\u59d3\u540d\u3001\u5730\u5740\u3001\u51fa\u751f\u65e5\u671f\u548c\u5176\u4ed6\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\u7b49\u4fe1\u606f\u3002 KYC \u65e8\u5728\u9632\u6b62\u5229\u7528\u91d1\u878d\u670d\u52a1\u8fdb\u884c\u975e\u6cd5\u6d3b\u52a8\u3002\u8981\u4e86\u89e3\u6709\u5173 KYC \u7684\u66f4\u591a\u4fe1\u606f\uff0c\u60a8\u53ef\u4ee5\u9605\u8bfb\u6709\u5173\u7684\u6587\u7ae0 <a href=\"https:\/\/easylink.id\/zh\/kyc-know-your-customer\/\">\u4e86\u89e3\u60a8\u7684\u5ba2\u6237 (KYC)<\/a>.<\/p>\n<\/section>\n<section>\n<h2>\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09<\/h2>\n<p>CDD \u662f KYC \u6d41\u7a0b\u7684\u8fdb\u4e00\u6b65\u6b65\u9aa4\uff0c\u91d1\u878d\u673a\u6784\u6839\u636e\u6536\u96c6\u7684\u4fe1\u606f\u5bf9\u5ba2\u6237\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\u3002\u8fd9\u5305\u62ec\u6301\u7eed\u76d1\u63a7\u5ba2\u6237\u6d3b\u52a8\uff0c\u4ee5\u53d1\u73b0\u6f5c\u5728\u98ce\u9669\u5e76\u786e\u4fdd\u4ea4\u6613\u6309\u7167\u6cd5\u89c4\u8fdb\u884c\u3002<\/p>\n<\/section>\n<section>\n<h2>\u5370\u5ea6\u5c3c\u897f\u4e9a\u7684\u53cd\u6d17\u94b1<\/h2>\n<p>\u5728\u5370\u5ea6\u5c3c\u897f\u4e9a\uff0c\u53cd\u6d17\u94b1\u6cd5\u89c4\u7531\u5370\u5ea6\u5c3c\u897f\u4e9a\u94f6\u884c\u548c\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40 (OJK) \u76d1\u7ba1\u3002\u4ed6\u4eec\u5b9e\u65bd\u5404\u79cd\u653f\u7b56\uff0c\u786e\u4fdd\u91d1\u878d\u673a\u6784\u9075\u5b88\u4e25\u683c\u7684\u53cd\u6d17\u94b1\u6807\u51c6\u3002\u4f8b\u5982\uff0c\u5370\u5ea6\u5c3c\u897f\u4e9a\u7684\u94f6\u884c\u5fc5\u987b\u62a5\u544a\u53ef\u7591\u4ea4\u6613\u5e76\u8fdb\u884c\u5f7b\u5e95\u7684\u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1\u3002\u6b32\u4e86\u89e3\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u8bbf\u95ee\u7f51\u7ad9 <a href=\"https:\/\/www.bi.go.id\/id\/fungsi-utama\/sistem-pembayaran\/anti-pencucian-uang-dan-pencegahan-pendanaan-terrorisme\/default.aspx\">\u5370\u5ea6\u5c3c\u897f\u4e9a\u94f6\u884c<\/a>.<\/p>\n<\/section>\n<section>\n<h2>\u7ed3\u8bba<\/h2>\n<p>\u4e86\u89e3\u548c\u5b9e\u65bd\u53cd\u6d17\u94b1\u662f\u4fdd\u62a4\u5168\u7403\u91d1\u878d\u4f53\u7cfb\u514d\u53d7\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u5a01\u80c1\u7684\u91cd\u8981\u4e00\u6b65\u3002\u5bf9\u4e8e\u90a3\u4e9b\u7ecf\u5e38\u8fdb\u884c\u7f51\u4e0a\u4ea4\u6613\u7684\u4eba\u6765\u8bf4\uff0c\u4fdd\u6301\u8b66\u60d5\u5e76\u786e\u4fdd\u60a8\u8fdb\u884c\u7684\u6bcf\u7b14\u4ea4\u6613\u90fd\u662f\u5b89\u5168\u7684\u5e76\u7b26\u5408\u9002\u7528\u7684\u6cd5\u89c4\u975e\u5e38\u91cd\u8981\u3002<\/p>\n<\/section>\n<\/article>","protected":false},"excerpt":{"rendered":"<p>Dalam era globalisasi dan digitalisasi, keamanan finansial menjadi salah satu aspek penting yang harus diperhatikan oleh semua orang. Banyak dari [&hellip;]<\/p>","protected":false},"author":5,"featured_media":7530,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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