in identifying reportable transactions, an insured nonmember bank should not conclude that every transaction that falls outside what is expected for a given customer should be reported.

鑒定报告的交易银行保险非党不应断定每个交易属于何种预计某个客户应报。

if a prospective customer refuses to provide any of the requested information, sound practices would require that the nonmember bank not open the account.

如果準客户拒绝提供任何资料，良好做法，非党将要求银行帐户不开放。

rather, it requires that an insured nonmember bank develop a monitoring system that is commensurate with the risks presented by the accounts maintained at that bank.

而是它要求被保险监管体系，形成银行非党相称风险由银行帐户保持。

the nonmember bank should maintain written evidence that the appropriate review is being performed on a regular basis.

银行的非党应维持适当的书面证据表明正在审查定期执行。

without this information, an insured nonmember bank is unable to identify suspicious transactions.

如果没有这个信息，银行保险非党无法查明可疑交易。

however, the fdic does not believe that it is practicable for a nonmember bank to conduct a large- scale information request from all its existing customers.

但是联邦存款保险公司并不认为这是一个非党切实可行银行进行了大规模的现有客户的所有信息请求。

the system approach allows each insured nonmember bank to design its own program, in accordance with its own business practices, that will best suit the nonmember bank.

该系统可让每个投保银行自行设计非党纲领要按照自己的商业惯例，将适合非党库。

therefore, the fdic believes that to impose a regulation that simply requires each insured nonmember bank to follow a pre-designed, standardized checklist would not be appropriate.

因此，联邦存款保险公司认为，征收规规定各投保单银行非党走预先设计、标準化量表不宜。

rather, a nonmember bank should focus on patterns of inconsistent transactions and isolated transactions that present risk factors that warrant further review.

而是一个非党不符银行应集中交易模式，而交易的孤立的危险因素，目前值得进一步检讨。