{"id":45763,"date":"2025-05-09T11:20:00","date_gmt":"2025-05-09T09:20:00","guid":{"rendered":"https:\/\/www.investglass.com\/?p=45763"},"modified":"2025-11-06T20:03:09","modified_gmt":"2025-11-06T19:03:09","slug":"%e5%85%a8%e9%9d%a2%e4%ba%86%e8%a7%a3%e5%ae%a2%e6%88%b7%e9%9c%80%e6%b1%82%e7%9a%84%e5%9f%ba%e6%9c%ac%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/essential-know-your-customer-requirements-a-comprehensive-guide\/","title":{"rendered":"\u4e86\u89e3\u5ba2\u6237\u9700\u6c42\u7684\u5fc5\u5907\u6307\u5357\uff1a\u7efc\u5408\u6307\u5357"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u4e86\u89e3\u4f60\u7684\u5ba2\u6237<a href=\"https:\/\/www.investglass.com\/zh\/kyc-%e7%9a%84-5-%e4%b8%aa%e6%ad%a5%e9%aa%a4%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f\/\">KYC<\/a>) \u8981\u6c42\u662f\u91d1\u878d\u673a\u6784\u5728\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u65f6\u5fc5\u987b\u9075\u5b88\u7684\u76d1\u7ba1\u6807\u51c6\u3002\u4e3a\u6709\u6548\u6267\u884c\u8fd9\u4e9b\u6807\u51c6\uff0c\u4e86\u89e3\u5ba2\u6237\u8981\u6c42\u81f3\u5173\u91cd\u8981\uff0c\u5176\u76ee\u7684\u662f\u9632\u6b62\u6d17\u94b1\u548c\u6b3a\u8bc8\u7b49\u91d1\u878d\u72af\u7f6a\uff0c\u540c\u65f6\u786e\u4fdd\u5408\u6cd5\u5408\u89c4\u3002\u672c\u6307\u5357\u5c06\u5206\u6790\u60a8\u9700\u8981\u4e86\u89e3\u7684\u6709\u5173 KYC \u7684\u57fa\u672c\u8981\u7d20\uff0c\u5305\u62ec\u5173\u952e\u505a\u6cd5\u548c\u6cd5\u5f8b\u6846\u67b6\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\">\u4e3b\u8981\u6536\u83b7<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>\u9075\u5b88 KYC \u5408\u89c4\u5bf9\u91d1\u878d\u673a\u6784\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u3001\u6253\u51fb\u91d1\u878d\u6b3a\u8bc8\u548c\u4fdd\u6301\u4e1a\u52a1\u5b8c\u6574\u6027\u81f3\u5173\u91cd\u8981\u3002.<\/p><\/li>\n\n\n\n<li><p>\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP) \u548c\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u662f KYC \u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u53ef\u786e\u4fdd\u94f6\u884c\u3001\u4fe1\u7528\u793e\u548c\u5176\u4ed6\u91d1\u878d\u673a\u6784\u8fdb\u884c\u6709\u6548\u7684\u98ce\u9669\u7ba1\u7406\u548c\u76d1\u63a7\u3002.<\/p><\/li>\n\n\n\n<li><p>\u4e0d\u9075\u5b88 KYC \u6cd5\u89c4\u4f1a\u5bfc\u81f4\u4e25\u91cd\u7684\u5904\u7f5a\u548c\u58f0\u8a89\u53d7\u635f\uff0c\u8fd9\u5c31\u5f3a\u8c03\u4e86\u6280\u672f\u5f3a\u5316\u548c\u6301\u7eed\u5408\u89c4\u5de5\u4f5c\u7684\u5fc5\u8981\u6027\u3002.<\/p><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-know-your-customer-kyc\">\u4ec0\u4e48\u662f \"\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\"\uff08KYC\uff09\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-definition-and-importance-of-kyc\">KYC \u7684\u5b9a\u4e49\u548c\u91cd\u8981\u6027<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u4f60\u7684\u5ba2\u6237 (KYC) \u662f\u91d1\u878d\u4e1a\u7684\u4e00\u9879\u57fa\u672c\u6d41\u7a0b\uff0c\u65e8\u5728\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u5e76\u8bc4\u4f30\u5176\u98ce\u9669\u72b6\u51b5\u3002\u8fd9\u4e00\u6d41\u7a0b\u5bf9\u4e8e\u9632\u6b62\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u7b49\u91d1\u878d\u72af\u7f6a\u81f3\u5173\u91cd\u8981\u3002KYC \u4e0d\u4ec5\u662f\u6700\u4f73\u5b9e\u8df5\uff0c\u4e5f\u662f\u94f6\u884c\u3001\u4fe1\u7528\u793e\u548c\u5176\u4ed6\u91d1\u878d\u670d\u52a1\u516c\u53f8\u7b49\u91d1\u878d\u673a\u6784\u7684\u76d1\u7ba1\u8981\u6c42\u3002\u901a\u8fc7\u9075\u5b88 KYC \u534f\u8bae\uff0c\u8fd9\u4e9b\u673a\u6784\u53ef\u786e\u4fdd\u9075\u5b88\u53cd\u6d17\u94b1 (AML) \u548c\u53cd\u6050\u878d\u8d44 (CTF) \u6cd5\u89c4\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"(\u300a\u4e16\u754c\u4eba\u6743\u5ba3\u8a00\u300b) <a href=\"https:\/\/www.investglass.com\/zh\/%e4%bf%ae%e5%a4%8d-kyc-%e7%9a%84%e9%87%8d%e8%a6%81%e6%80%a7%e4%bb%a5%e5%8f%8a%e4%b8%ba%e4%bb%80%e4%b9%88%e8%a6%81%e8%bf%99%e6%a0%b7%e5%81%9a\/\" target=\"_self\" rel=\"noopener noreferrer\">KYC \u7684\u91cd\u8981\u6027<\/a> \u5b83\u4e0d\u4ec5\u4ec5\u662f\u76d1\u7ba1\u5408\u89c4\u3002\u5b83\u5728\u4fdd\u62a4\u5ba2\u6237\u8d44\u4ea7\u548c\u7ef4\u62a4\u91d1\u878d\u7cfb\u7edf\u5b8c\u6574\u6027\u65b9\u9762\u53d1\u6325\u7740\u81f3\u5173\u91cd\u8981\u7684\u4f5c\u7528\u3002\u901a\u8fc7\u5f7b\u5e95\u4e86\u89e3\u5ba2\u6237\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u66f4\u597d\u5730\u7ba1\u7406\u98ce\u9669\u548c\u9632\u6b62\u975e\u6cd5\u6d3b\u52a8\u3002\u8fd9\u79cd\u79ef\u6781\u4e3b\u52a8\u7684\u65b9\u6cd5\u6709\u52a9\u4e8e\u5efa\u7acb\u4fe1\u4efb\uff0c\u8425\u9020\u5b89\u5168\u7684\u91d1\u878d\u4ea4\u6613\u73af\u5883\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-elements-of-kyc-requirements\">KYC \u8981\u6c42\u7684\u5173\u952e\u8981\u7d20<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ETFaKsbBgBU-unsplash-1024x683.jpg\" alt=\"KYC \u8981\u6c42\u7684\u5173\u952e\u8981\u7d20\" class=\"wp-image-45813\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ETFaKsbBgBU-unsplash-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ETFaKsbBgBU-unsplash-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ETFaKsbBgBU-unsplash-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ETFaKsbBgBU-unsplash-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ETFaKsbBgBU-unsplash-scaled.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">KYC \u8981\u6c42\u7684\u5173\u952e\u8981\u7d20<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u4f60\u7684\u5ba2\u6237 (KYC) \u6d41\u7a0b\u8981\u6c42\u91d1\u878d\u673a\u6784\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\uff0c\u786e\u4fdd\u9075\u5b88\u6cd5\u4eba\u6807\u51c6\u5e76\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u3002\u4e86\u89e3\u4f60\u7684\u5ba2\u6237 \"\u7684\u4e3b\u8981\u76ee\u7684\u662f\u51c6\u786e\u786e\u5b9a\u5ba2\u6237\u7684\u8eab\u4efd\u4ee5\u53ca\u4ed6\u4eec\u53ef\u80fd\u62e5\u6709\u7684\u4efb\u4f55\u53d7\u76ca\u6240\u6709\u4eba\uff0c\u4ece\u800c\u4fc3\u8fdb\u91d1\u878d\u884c\u4e1a\u5185\u5408\u89c4\u548c\u5b89\u5168\u7684\u73af\u5883\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u96c6\u5ba2\u6237\u7684\u5173\u952e\u8eab\u4efd\u6570\u636e\uff0c\u5982\u59d3\u540d\u3001\u51fa\u751f\u65e5\u671f\u3001\u5730\u5740\u548c\u8eab\u4efd\u8bc1\u53f7\u7801\uff0c\u662f\u5c65\u884c KYC \u5408\u89c4\u6027\u7684\u6838\u5fc3\uff0c\u8fd9\u4e9b\u662f\u5efa\u7acb\u53ef\u9760\u5ba2\u6237\u753b\u50cf\u7684\u5173\u952e\u8981\u7d20\u3002\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u662f\u8fd9\u4e00\u8fc7\u7a0b\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u5b83\u5305\u62ec\u5bf9\u5ba2\u6237\u8eab\u4efd\u8fdb\u884c\u8ba4\u8bc1\uff0c\u540c\u65f6\u9a8c\u8bc1\u5176\u8d44\u6e90\u7684\u5408\u6cd5\u6027\u3002\u901a\u8fc7\u6301\u7eed\u76d1\u63a7\u8fdb\u884c\u66f4\u65b0\u662f\u8bc6\u522b\u6f5c\u5728\u53ef\u7591\u884c\u4e3a\u4ee5\u53ca\u9632\u8303\u5404\u79cd\u91d1\u878d\u4e0d\u5f53\u884c\u4e3a\u7684\u91cd\u8981\u65b9\u9762\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91c7\u53d6\u5f3a\u6709\u529b\u7684 KYC \u63aa\u65bd\u6709\u52a9\u4e8e\u5efa\u7acb\u5f3a\u5927\u7684\u58c1\u5792\uff0c\u9632\u6b62\u6d17\u94b1\u8ba1\u5212\u548c\u5404\u79cd\u5f62\u5f0f\u7684\u8d27\u5e01\u6b3a\u9a97\u3002\u56f4\u7ed5 KYYC \u7a0b\u5e8f\u8bbe\u8ba1\u7684\u7efc\u5408\u5b9e\u8df5\u4e0d\u4ec5\u80fd\u4f7f\u8fd9\u4e9b\u673a\u6784\u5728\u4e1a\u52a1\u4e0a\u4fdd\u62a4\u81ea\u5df1\uff0c\u8fd8\u80fd\u7ef4\u62a4\u6d88\u8d39\u8005\u7684\u4fe1\u5fc3\u3002\u4e0b\u6587\u5c06\u6df1\u5165\u63a2\u8ba8\u5728\u6709\u6548\u9075\u5b88 KYCY \u89c4\u5b9a\u65b9\u9762\u4fdd\u6301\u4e25\u683c\u6807\u51c6\u6240\u4e0d\u53ef\u6216\u7f3a\u7684\u5177\u4f53\u65b9\u9762\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-customer-identification-program-cip\">\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP)<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-yZANG9bgoAs-unsplash-1024x683.jpg\" alt=\"\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212\" class=\"wp-image-45814\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-yZANG9bgoAs-unsplash-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-yZANG9bgoAs-unsplash-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-yZANG9bgoAs-unsplash-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-yZANG9bgoAs-unsplash-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-yZANG9bgoAs-unsplash-scaled.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8bc6\u522b\u8ba1\u5212\uff08CIP\uff09\u662f KYC \u6cd5\u89c4\u7684\u57fa\u7840\uff0c\u662f\u786e\u8ba4\u5ba2\u6237\u8eab\u4efd\u7684\u91cd\u8981\u63aa\u65bd\u3002CIP \u7684\u4e3b\u8981\u76ee\u6807\u662f\u901a\u8fc7\u6536\u96c6\u57fa\u672c\u7684\u8eab\u4efd\u8bc6\u522b\u6570\u636e\uff08\u5305\u62ec\u59d3\u540d\u3001\u51fa\u751f\u65e5\u671f\u3001\u5730\u5740\u548c\u8eab\u4efd\u8bc1\u53f7\u7801\uff09\u6765\u9a8c\u8bc1\u5ba2\u6237\u7684\u771f\u5b9e\u8eab\u4efd\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e CIP \u6307\u5bfc\u65b9\u9488\uff0c\u91d1\u878d\u673a\u6784\u5fc5\u987b\u4ece\u4e2a\u4eba\u90a3\u91cc\u83b7\u5f97\u9a7e\u9a76\u6267\u7167\u6216\u62a4\u7167\u7b49\u8865\u5145\u6587\u4ef6\u3002\u8fd9\u4e00\u6b65\u9aa4\u6709\u52a9\u4e8e\u6253\u51fb\u8eab\u4efd\u76d7\u7a83\u548c\u5404\u79cd\u91d1\u878d\u6b3a\u9a97\u884c\u4e3a\u3002\u6839\u636e\u300a\u7231\u56fd\u8005\u6cd5\u6848\u300b\u7b2c 326 \u6761\u7684\u89c4\u5b9a\uff0c\u6cd5\u5f8b\u89c4\u5b9a\u7684\u8fd9\u4e9b\u9a8c\u8bc1\u6d41\u7a0b\u53ef\u786e\u4fdd\u5bf9\u5ba2\u6237\u8eab\u4efd\u8fdb\u884c\u4e25\u683c\u5ba1\u67e5\uff0c\u4e3a\u6301\u7eed\u7684\u8eab\u4efd\u9a8c\u8bc1\u5960\u5b9a\u5b89\u5168\u57fa\u7840\u3002 <a href=\"https:\/\/www.investglass.com\/zh\/%e6%9c%89%e6%95%88%e5%85%b3%e7%b3%bb%e7%ae%a1%e7%90%86%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%8a%a1%e7%9a%84%e9%a1%b6%e7%ba%a7%e7%ad%96%e7%95%a5\/\" target=\"_self\" rel=\"noopener noreferrer\">\u94f6\u884c\u5173\u7cfb<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5b9e\u65bd\u6709\u6548\u7684\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u66f4\u51c6\u786e\u5730\u8bc4\u4f30\u5ba2\u6237\u98ce\u9669\u6982\u51b5\uff0c\u9632\u8303\u91d1\u878d\u670d\u52a1\u9886\u57df\u4e2d\u7684\u6f5c\u5728\u6ee5\u7528\u884c\u4e3a\u3002\u8fd9\u4e0d\u4ec5\u6709\u52a9\u4e8e\u9075\u5b88\u65e2\u5b9a\u7684 KYC \u89c4\u8303\uff0c\u8fd8\u80fd\u589e\u5f3a\u5ba2\u6237\u7684\u6574\u4f53\u4f53\u9a8c\uff0c\u540c\u65f6\u52a0\u5f3a\u91d1\u878d\u4e1a\u52a1\u66f4\u5e7f\u6cdb\u9886\u57df\u7684\u5b89\u5168\u6027\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-customer-due-diligence-cdd\">\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u5bf9\u4e8e\u786e\u8ba4\u5ba2\u6237\u8eab\u4efd\u548c\u786e\u5b9a\u5176\u98ce\u9669\u6c34\u5e73\u81f3\u5173\u91cd\u8981\u3002\u5b83\u5305\u62ec\u5168\u9762\u4e86\u89e3\u5ba2\u6237\u5173\u7cfb\uff0c\u4ee5\u5efa\u7acb\u4e2a\u6027\u5316\u7684\u98ce\u9669\u6863\u6848\u3002\u5bf9\u65b0\u5ba2\u6237\u8fdb\u884c\u6df1\u5165\u7684\u80cc\u666f\u5ba1\u67e5\u6709\u52a9\u4e8e\u91d1\u878d\u673a\u6784\u66f4\u5168\u9762\u5730\u4e86\u89e3\u5ba2\u6237\u7684\u8eab\u4efd\u548c\u52a8\u673a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CDD \u7684\u57fa\u672c\u65b9\u9762\u5305\u62ec\u8bc6\u522b\u548c\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u3001\u4e86\u89e3\u5173\u7cfb\u80cc\u540e\u7684\u76ee\u7684\u4ee5\u53ca\u5b9e\u65bd\u6301\u7eed\u7684\u4ea4\u6613\u76d1\u63a7\u3002\u8fd9\u4e9b\u505a\u6cd5\u4f7f\u673a\u6784\u80fd\u591f\u53ca\u65f6\u53d1\u73b0\u6709\u95ee\u9898\u7684\u6d3b\u52a8\uff0c\u5e76\u91c7\u53d6\u5fc5\u8981\u63aa\u65bd\u964d\u4f4e\u98ce\u9669\u3002\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u6cd5\u89c4\u5bf9\u4e8e\u632b\u8d25\u6d17\u94b1\u548c\u6b3a\u9a97\u7b49\u91d1\u878d\u4e0d\u5f53\u884c\u4e3a\uff0c\u4ece\u800c\u7ef4\u62a4\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u65ad\u66f4\u65b0\u548c\u8bc4\u4f30\u5ba2\u6237\u4fe1\u606f\u5bf9\u4e8e\u6301\u7eed\u76d1\u63a7\u548c\u8bc4\u4f30\u98ce\u9669\u81f3\u5173\u91cd\u8981\u3002\u786e\u4fdd\u5ba2\u6237\u6570\u636e\u4fdd\u6301\u6700\u65b0\uff0c\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u66f4\u597d\u5730\u7ba1\u7406\u6f5c\u5728\u5a01\u80c1\uff0c\u540c\u65f6\u4fdd\u6301\u4e25\u683c\u7684\u5c3d\u804c\u8c03\u67e5\u6807\u51c6\u3002\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u662f\u6709\u6548\u7684 KYC \u6846\u67b6\u7684\u57fa\u7840\uff0c\u5b83\u4e3a\u5f00\u5c55\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\u5efa\u7acb\u4e86\u57fa\u7ebf\uff0c\u540c\u65f6\u8fd8\u63d0\u4f9b\u4e86\u7ba1\u7406\u98ce\u9669\u7684\u5148\u8fdb\u65b9\u6cd5\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-enhanced-due-diligence-edd-for-high-risk-customers\">\u9488\u5bf9\u9ad8\u98ce\u9669\u5ba2\u6237\u7684\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5 (EDD)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u662f KYC \u7a0b\u5e8f\u4e2d\u66f4\u4e3a\u4e25\u683c\u7684\u7ec4\u6210\u90e8\u5206\uff0c\u4e13\u4e3a\u98ce\u9669\u8f83\u9ad8\u7684\u5ba2\u6237\u91cf\u8eab\u5b9a\u5236\u3002\u8fd9\u4e00\u5f3a\u5316\u6d41\u7a0b\u5305\u62ec\u91c7\u53d6\u989d\u5916\u63aa\u65bd\u786e\u8ba4\u8eab\u4efd\u548c\u964d\u4f4e\u76f8\u5173\u98ce\u9669\u3002\u8fd9\u5bf9\u4e8e\u4e0e\u91cd\u5927\u91d1\u878d\u4ea4\u6613\u76f8\u5173\u8054\u7684\u8d26\u6237\u6216\u4f4d\u4e8e\u9ad8\u98ce\u9669\u53f8\u6cd5\u7ba1\u8f96\u533a\u7684\u8d26\u6237\u5c24\u4e3a\u91cd\u8981\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6559\u80b2\u53d1\u5c55\u53f8\u6846\u67b6\u8981\u6c42\u8fdb\u884c\u5f7b\u5e95\u7684\u80cc\u666f\u8c03\u67e5\uff0c\u5e76\u5728\u4ee5\u4e0b\u8fc7\u7a0b\u4e2d\u63d0\u9ad8\u5ba1\u67e5\u6c34\u5e73 <a href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e8%ba%ab%e4%bb%bd%e9%aa%8c%e8%af%81%ef%bc%9f\/\" target=\"_self\" rel=\"noopener noreferrer\">\u8eab\u4efd\u9a8c\u8bc1<\/a> \u9636\u6bb5\uff0c\u4ee5\u53ca\u4e25\u683c\u7684\u6301\u7eed\u76d1\u63a7\u534f\u8bae\u3002\u5ba2\u6237\u7684\u4e1a\u52a1\u7c7b\u578b\u3001\u5730\u7406\u4f4d\u7f6e\u548c\u9884\u671f\u4ea4\u6613\u884c\u4e3a\u7b49\u5177\u4f53\u65b9\u9762\u90fd\u51b3\u5b9a\u4e86\u8fd9\u79cd\u6df1\u5165\u5c3d\u804c\u8c03\u67e5\u7684\u5fc5\u8981\u6027\u3002\u4f5c\u4e3a\u4e25\u683c\u9075\u5b88 KYC \u89c4\u8303\u7684\u4e00\u90e8\u5206\uff0c\u5bf9\u53d7\u76ca\u6240\u6709\u4eba\u8fdb\u884c\u6df1\u5165\u9a8c\u8bc1\u53ef\u80fd\u4e5f\u662f\u5fc5\u8981\u7684\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5728\u5176\u4e1a\u52a1\u4e2d\u5b9e\u65bd\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\u6d41\u7a0b\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u6539\u5584\u5bf9\u5ba2\u6237\u98ce\u9669\u6982\u51b5\u7684\u7ba1\u7406\uff0c\u5e76\u63d0\u9ad8\u53d1\u73b0\u663e\u793a\u53ef\u7591\u6d3b\u52a8\u7684\u5f02\u5e38\u4ea4\u6613\u7684\u80fd\u529b\u3002\u901a\u8fc7\u786e\u4fdd\u9ad8\u98ce\u9669\u5ba2\u6237\u63a5\u53d7\u76f8\u5e94\u7684\u9ad8\u6c34\u5e73\u5ba1\u67e5\uff0c\u8fd9\u79cd\u52e4\u52c9\u7684\u505a\u6cd5\u6210\u4e3a\u786e\u4fdd\u66f4\u5e7f\u6cdb\u7684\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u7684\u590d\u539f\u529b\u548c\u5b89\u5168\u6027\u7684\u652f\u67f1\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-legal-framework-and-aml-compliance\">\u6cd5\u5f8b\u6846\u67b6\u548c\u53cd\u6d17\u94b1\u5408\u89c4\u6027<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u5173 \"\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\"\uff08KYC\uff09\u548c\u53cd\u6d17\u94b1\uff08AML\uff09\u4e49\u52a1\u7684\u76d1\u7ba1\u73af\u5883\u975e\u5e38\u590d\u6742\uff0c\u5305\u542b\u591a\u4e2a\u5c42\u9762\u3002\u6839\u636e\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\u89c4\u5b9a\uff0c\u91d1\u878d\u673a\u6784\u5fc5\u987b\u5b9e\u65bd\u65e8\u5728\u9884\u9632\u548c\u8bc6\u522b\u6d17\u94b1\u4e8b\u4ef6\u7684\u8ba1\u5212\u3002\u7f8e\u56fd\u7231\u56fd\u8005\u6cd5\u6848\u300b\u89c4\u5b9a\uff0c\u8fd9\u4e9b\u5b9e\u4f53\u6709\u8d23\u4efb\u5236\u5b9a\u7a0b\u5e8f\uff0c\u6709\u6548\u9a8c\u8bc1\u548c\u8bc6\u522b\u65b0\u5f00\u6237\u4e2a\u4eba\u7684\u8eab\u4efd\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u94f6\u884c\u548c\u5176\u4ed6\u7c7b\u578b\u7684\u91d1\u878d\u4f01\u4e1a\u800c\u8a00\uff0c\u9075\u5b88\u53cd\u6d17\u94b1\u6cd5\u4ecd\u81f3\u5173\u91cd\u8981\u3002\u91d1\u878d\u72af\u7f6a\u6267\u6cd5\u7f51\u7edc\uff08FinCEN\uff09\u662f\u8be5\u9886\u57df\u7684\u4e3b\u8981\u673a\u6784\uff0c\u8d1f\u8d23\u76d1\u7ba1\u91d1\u878d\u9886\u57df\u5185\u4e0e\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\u5408\u89c4\u76f8\u5173\u7684\u6267\u6cd5\u5de5\u4f5c\u3002\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\uff08FATF\uff09\u7b49\u4e3b\u8981\u76d1\u7ba1\u673a\u6784\u4ee5\u53ca\u91d1\u878d\u4e1a\u76d1\u7ba1\u5c40\uff08FINRA\uff09\u7b49\u56fd\u5185\u673a\u6784\u5728\u5236\u5b9a\u65e8\u5728\u963b\u6b62\u6d17\u94b1\u6d3b\u52a8\u548c\u5207\u65ad\u6050\u6016\u4e3b\u4e49\u8d44\u91d1\u6765\u6e90\u7684\u5168\u7403\u89c4\u8303\u65b9\u9762\u53d1\u6325\u7740\u91cd\u8981\u4f5c\u7528\uff0c\u800c\u6301\u7eed\u7684\u76d1\u6d4b\u5b9e\u8df5\u5219\u662f\u5c65\u884c\u53cd\u6d17\u94b1\u89c4\u5b9a\u7684\u57fa\u672c\u627f\u8bfa\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ffd\u89c6 KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u89c4\u5b9a\u53ef\u80fd\u5bfc\u81f4\u4e25\u5389\u7684\u5904\u7f5a\uff0c\u5305\u62ec\u5de8\u989d\u7f5a\u6b3e\uff0c\u4ee5\u53ca\u635f\u5bb3\u673a\u6784\u7684\u58f0\u8a89\u3002\u8fd9\u4e9b\u540e\u679c\u51f8\u663e\u4e86\u4e3a\u4f55\u5ffd\u89c6 KYC \u6807\u51c6\u4e0d\u4ec5\u4f1a\u589e\u52a0\u8fd0\u8425\u6210\u672c\uff0c\u8fd8\u4f1a\u524a\u5f31\u6d88\u8d39\u8005\u4fe1\u5fc3\u3002\u4e25\u683c\u9075\u5b88\u65e2\u5b9a\u7684 AML\uff08\u53cd\u6d17\u94b1\uff09\u6307\u5357\u548c KYC \u534f\u8bae\uff0c\u4e0d\u4ec5\u4ec5\u662f\u6cd5\u5b9a\u8981\u6c42\u3002\u5b83\u662f\u786e\u4fdd\u6211\u4eec\u6574\u4f53\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u7684\u5b8c\u6574\u6027\u4ee5\u53ca\u5176\u5728\u5168\u7403\u7528\u6237\u4e2d\u53ef\u9760\u6027\u7684\u5173\u952e\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-aml-and-kyc\">\u53cd\u6d17\u94b1\u548c KYC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53cd\u6d17\u94b1\uff08AML\uff09\u548c \"\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\"\uff08KYC\uff09\u662f\u4e24\u4e2a\u76f8\u4e92\u5173\u8054\u7684\u6982\u5ff5\uff0c\u5728\u9632\u6b62\u91d1\u878d\u72af\u7f6a\u65b9\u9762\u53d1\u6325\u7740\u81f3\u5173\u91cd\u8981\u7684\u4f5c\u7528\u3002\u53cd\u6d17\u94b1\uff08AML\uff09\u662f\u6307\u4e00\u7cfb\u5217\u65e8\u5728\u9632\u6b62\u901a\u8fc7\u975e\u6cd5\u624b\u6bb5\u83b7\u5f97\u7684\u8d44\u91d1\u88ab\u6e05\u6d17\u7684\u6cd5\u89c4\u548c\u6cd5\u5f8b\uff0c\u800c \"\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\"\uff08KYC\uff09\u5219\u662f\u53cd\u6d17\u94b1\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u6d89\u53ca\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u548c\u8bc4\u4f30\u5ba2\u6237\u98ce\u9669\u72b6\u51b5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u878d\u673a\u6784\u5fc5\u987b\u9075\u5b88\u53cd\u6d17\u94b1\u6cd5\u89c4\uff0c\u9632\u6b62\u6d17\u94b1\u548c\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\u3002KYC \u662f\u53cd\u6d17\u94b1\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u4e3a\u5b83\u6709\u52a9\u4e8e\u91d1\u878d\u673a\u6784\u8bc6\u522b\u548c\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\uff0c\u4e86\u89e3\u5ba2\u6237\u7684\u4e1a\u52a1\u548c\u91d1\u878d\u6d3b\u52a8\uff0c\u5e76\u8bc4\u4f30\u4e0e\u5ba2\u6237\u5173\u7cfb\u76f8\u5173\u7684\u98ce\u9669\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">KYC \u6cd5\u89c4\u8981\u6c42\u91d1\u878d\u673a\u6784\u5b9e\u65bd\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP)\uff0c\u4ee5\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u3002\u8fd9\u5305\u62ec\u6536\u96c6\u548c\u6838\u5b9e\u5ba2\u6237\u4fe1\u606f\uff0c\u5982\u59d3\u540d\u3001\u51fa\u751f\u65e5\u671f\u3001\u5730\u5740\u548c\u8eab\u4efd\u8bc1\u53f7\u7801\u3002\u91d1\u878d\u673a\u6784\u8fd8\u5fc5\u987b\u8fdb\u884c\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 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href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e6%b3%95%e5%9b%bd%e7%9a%84-aml-%e5%92%8c-lcb-ft\/\">\u53cd\u6d17\u94b1\u548c KYC<\/a> \u4e0d\u9075\u5b88\u53cd\u6d17\u94b1\u548c \"\u4e86\u89e3\u5ba2\u6237 \"\u6cd5\u89c4\u7684\u91d1\u878d\u673a\u6784\u5c06\u9762\u4e34\u5de8\u989d\u7f5a\u6b3e\u548c\u58f0\u8a89\u53d7\u635f\u7684\u6f5c\u5728\u98ce\u9669\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-preventing-financial-crimes\">\u9884\u9632\u91d1\u878d\u72af\u7f6a<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-identity-theft-and-financial-fraud\">\u8eab\u4efd\u76d7\u7a83\u548c\u91d1\u878d\u6b3a\u8bc8<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8eab\u4efd\u76d7\u7a83\u548c\u91d1\u878d\u6b3a\u8bc8\u662f\u91d1\u878d\u673a\u6784\u9762\u4e34\u7684\u91cd\u5927\u5a01\u80c1\uff0c\u800c KYC 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\u6280\u672f\u5728\u4ece\u63d0\u4f9b\u7684\u8eab\u4efd\u8bc1\u4ef6\u4e2d\u63d0\u53d6\u76f8\u5173\u6570\u636e\u65b9\u9762\u53d8\u5f97\u8d8a\u6765\u8d8a\u666e\u904d\u3002\u8fd9\u4e00\u8fdb\u6b65\u6709\u52a9\u4e8e\u7cbe\u786e\u9a8c\u8bc1\u6d88\u8d39\u8005\u8eab\u4efd\uff0c\u5e76\u9075\u5b88\u65e2\u5b9a\u7684 KYC \u6cd5\u89c4\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ongoing-monitoring-and-risk-management\">\u6301\u7eed\u76d1\u6d4b\u548c\u98ce\u9669\u7ba1\u7406<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u91d1\u878d\u4ea4\u6613\u7684\u6301\u7eed\u76d1\u7763\u5bf9\u4e8e\u8bc6\u522b\u548c\u7ba1\u7406\u53ef\u7591\u6216\u5f02\u5e38\u6d3b\u52a8\u81f3\u5173\u91cd\u8981\uff0c\u6709\u52a9\u4e8e\u9632\u6b62\u72af\u7f6a\u884c\u4e3a\u3002\u8fd9\u79cd\u8b66\u60d5\u6027\u9ad8\u7684\u65b9\u6cd5\u53ef\u786e\u4fdd\u4e0d\u65ad\u66f4\u65b0\u5ba2\u6237\u6863\u6848\uff0c\u4ee5\u53cd\u6620\u6709\u5173\u6f5c\u5728\u975e\u6cd5\u6d3b\u52a8\u7684\u65b0\u60c5\u62a5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u878d\u673a\u6784\u5fc5\u987b\u901a\u8fc7\u6574\u5408\u6574\u4e2a\u884c\u4e1a\u7684\u6700\u65b0\u89c1\u89e3\u6765\u4fdd\u6301\u5ba2\u6237\u4fe1\u606f\u7684\u65f6\u6548\u6027\u3002\u5728\u4e86\u89e3\u5ba2\u6237 (KYC) \u548c\u53cd\u6d17\u94b1 (AML) \u6d41\u7a0b\u4e2d\u5206\u914d\u7684\u98ce\u9669\u8bc4\u7ea7\u53d6\u51b3\u4e8e\u8fd9\u4e9b\u6570\u636e\u66f4\u65b0\uff0c\u90a3\u4e9b\u88ab\u8ba4\u4e3a\u98ce\u9669\u8f83\u9ad8\u7684\u5ba2\u6237\u5c06\u53d7\u5230\u66f4\u4e25\u683c\u7684\u5ba1\u67e5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5c06\u6301\u7eed\u76d1\u63a7\u4e0e\u53ca\u65f6\u66f4\u65b0\u5ba2\u6237\u8be6\u7ec6\u8d44\u6599\u548c\u6301\u7eed\u8bc4\u4f30\u98ce\u9669\u76f8\u7ed3\u5408\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u52a0\u5f3a KYC \u5408\u89c4\u6027\uff0c\u540c\u65f6\u6709\u6548\u5e94\u5bf9\u53ef\u80fd\u5b58\u5728\u7684\u5a01\u80c1\u3002\u8fd9\u79cd\u7cfb\u7edf\u5316\u7684\u7b56\u7565\u53ef\u786e\u4fdd\u5728\u5ba2\u6237\u60c5\u51b5\u53d1\u751f\u53d8\u5316\u65f6\uff0c\u5305\u62ec\u4e2a\u4eba\u6210\u4e3a\u653f\u6cbb\u516c\u4f17\u4eba\u7269 (PEP) \u65f6\uff0c\u8fc5\u901f\u91c7\u53d6\u884c\u52a8\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-industry-specific-kyc-requirements\">\u7279\u5b9a\u884c\u4e1a\u7684 KYC \u8981\u6c42<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u540c\u884c\u4e1a\u5bf9 KYC \u7684\u8981\u6c42\u5404\u4e0d\u76f8\u540c\uff0c\u91d1\u878d\u673a\u6784\u5fc5\u987b\u9075\u5b88\u7279\u5b9a\u884c\u4e1a\u7684\u6cd5\u89c4\uff0c\u4ee5\u9632\u6b62\u91d1\u878d\u72af\u7f6a\u3002\u4f8b\u5982\uff0c\u4e0e\u975e\u91d1\u878d\u673a\u6784\u76f8\u6bd4\uff0c\u94f6\u884c\u548c\u4fe1\u7528\u793e\u987b\u9075\u5b88\u66f4\u4e25\u683c\u7684 KYC \u6cd5\u89c4\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u91d1\u878d\u4e1a\uff0cKYC \u6cd5\u89c4\u65e8\u5728\u9632\u6b62\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u5b9e\u65bd CIP \u4ee5\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\uff0c\u5e76\u5f00\u5c55 CDD \u4ee5\u4e86\u89e3\u5ba2\u6237\u5173\u7cfb\u7684\u6027\u8d28\u548c\u76ee\u7684\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u975e\u91d1\u878d\u884c\u4e1a\uff0cKYC \u6cd5\u89c4\u65e8\u5728\u9632\u6b62\u8eab\u4efd\u76d7\u7a83\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u3002\u5728\u8bb8\u591a\u56fd\u5bb6\uff0c\u91d1\u878d\u79d1\u6280\u548c\u865a\u62df\u8d44\u4ea7\u4ea4\u6613\u5546\u7b49\u975e\u91d1\u878d\u673a\u6784\u90fd\u8981\u9075\u5b88 KYC \u6cd5\u89c4\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6cd5\u4eba\u5b9e\u4f53\u4e5f\u9700\u8981\u53d7\u76ca\u6240\u6709\u4eba\u4fe1\u606f\uff0c\u8fd9\u6d89\u53ca\u6838\u5b9e\u516c\u53f8\u53d7\u76ca\u6240\u6709\u4eba\u7684\u8eab\u4efd\u3002\u8fd9\u662f KYC \u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u4e3a\u5b83\u6709\u52a9\u4e8e\u9632\u6b62\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-role-of-technology-in-kyc-compliance\">\u6280\u672f\u5728 KYC \u5408\u89c4\u4e2d\u7684\u4f5c\u7528<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5229\u7528\u6280\u672f\u6539\u8fdb KYC <a href=\"https:\/\/www.investglass.com\/zh\/%e7%ae%80%e5%8c%96%e9%a3%8e%e9%99%a9%e7%ae%a1%e7%90%86-2024-%e5%b9%b4%e8%87%aa%e5%8a%a8%e5%90%88%e8%a7%84%e7%9b%91%e6%8e%a7%e5%b7%a5%e5%85%b7%e6%8c%87%e5%8d%97\/\" target=\"_self\" rel=\"noopener noreferrer\">\u901a\u8fc7\u81ea\u52a8<\/a> \u8fd9\u4e9b\u81ea\u52a8\u5316\u89e3\u51b3\u65b9\u6848\u7b80\u5316\u4e86 KYC \u6d41\u7a0b\uff0c\u51cf\u8f7b\u4e86\u5165\u804c\u6469\u64e6\uff0c\u5e76\u6709\u52a9\u4e8e\u6301\u7eed\u76d1\u63a7\u5de5\u4f5c\u3002\u8fd9\u4e9b\u81ea\u52a8\u5316\u89e3\u51b3\u65b9\u6848\u7b80\u5316\u4e86 KYC \u6d41\u7a0b\uff0c\u51cf\u5c11\u4e86\u5165\u804c\u73af\u8282\u7684\u6469\u64e6\uff0c\u5e76\u6709\u52a9\u4e8e\u6301\u7eed\u76d1\u63a7\u5de5\u4f5c\u3002\u901a\u8fc7\u9762\u90e8\u8bc6\u522b\u548c\u6307\u7eb9\u626b\u63cf\u7b49\u5148\u8fdb\u7684\u751f\u7269\u8bc6\u522b\u6280\u672f\uff0c\u53ef\u5b9e\u73b0\u5b89\u5168\u7684\u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u6570\u5b57\u9a8c\u8bc1\u65b9\u6cd5\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u6269\u5927\u5176 KYC \u8ba1\u5212\uff0c\u540c\u65f6\u5e94\u5bf9\u4e0d\u540c\u5730\u533a\u7684\u6cd5\u5f8b\uff0c\u786e\u4fdd\u6570\u636e\u4fdd\u62a4\u548c\u9075\u5b88\u53cd\u6d17\u94b1\u6cd5\u89c4\u3002\u81ea\u52a8\u76d1\u63a7\u7cfb\u7edf\u5728\u5ba1\u67e5\u5ba2\u6237\u6d3b\u52a8\u548c\u5373\u65f6\u53d1\u73b0\u6f5c\u5728\u53ef\u7591\u4ea4\u6613\u65b9\u9762\u6548\u7387\u6781\u9ad8\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5c06\u6280\u672f\u8fdb\u6b65\u878d\u5165\u8fd0\u8425\uff0c\u91d1\u878d\u673a\u6784\u4e0d\u4ec5\u80fd\u9075\u5b88\u5fc5\u8981\u7684\u76d1\u7ba1\u89c4\u5b9a\uff0c\u8fd8\u80fd\u5728\u6574\u4e2a\u5408\u89c4\u8fc7\u7a0b\u4e2d\u4e3a\u5ba2\u6237\u63d0\u4f9b\u987a\u7545\u7684\u4f53\u9a8c\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-global-variations-in-kyc-regulations\">KYC \u6cd5\u89c4\u7684\u5168\u7403\u5dee\u5f02<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u540c\u8f96\u533a\u7684 KYC \u6cd5\u89c4\u5404\u4e0d\u76f8\u540c\uff0c\u8981\u6c42\u9075\u5b88\u5f53\u5730\u6cd5\u5f8b\u548c\u56fd\u9645\u6807\u51c6\u3002\u5728\u5317\u7f8e\uff0c\u52a0\u62ff\u5927\u548c\u58a8\u897f\u54e5\u7b49\u56fd\u6839\u636e\u5176\u6cd5\u5f8b\u6846\u67b6\u5236\u5b9a\u4e86\u4e25\u683c\u7684 KYC \u6cd5\u89c4\uff0c\u4ee5\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u3002\u6b27\u6d32\u56fd\u5bb6\u9075\u5faa\u7684\u6307\u4ee4\u89c4\u5b9a\u4e86 KYC \u5408\u89c4\u57fa\u7ebf\uff0c\u4f46\u5404\u56fd\u7684\u6267\u884c\u60c5\u51b5\u4e0d\u5c3d\u76f8\u540c\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u4e9a\u592a\u5730\u533a\uff0c\u65e5\u672c\u548c\u6fb3\u5927\u5229\u4e9a\u7b49\u56fd\u7684 KYC \u6cd5\u89c4\u5f3a\u8c03\u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1\u3002\u8fd9\u4e9b\u53d8\u5316\u8981\u6c42\u4f01\u4e1a\u6839\u636e\u5730\u533a\u8981\u6c42\u8c03\u6574\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212\u3002\u6280\u672f\u8fdb\u6b65\u63a8\u52a8\u4e86 KYC \u6cd5\u89c4\u7684\u66f4\u65b0\uff0c\u4fc3\u4f7f\u66f4\u591a\u6570\u5b57\u9a8c\u8bc1\u65b9\u6cd5\u9002\u5e94\u5730\u533a\u89c4\u8303\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c3d\u7ba1\u5b58\u5728\u8fd9\u4e9b\u5dee\u5f02\uff0c\u4f46 KYC \u7684\u6838\u5fc3\u539f\u5219\u5728\u5168\u7403\u8303\u56f4\u5185\u4fdd\u6301\u4e00\u81f4\uff0c\u91cd\u70b9\u662f\u8eab\u4efd\u9a8c\u8bc1\u548c\u98ce\u9669\u8bc4\u4f30\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u9a7e\u9a6d\u8fd9\u4e9b\u5dee\u5f02\uff0c\u4ee5\u786e\u4fdd\u5408\u89c4\u5e76\u9632\u8303\u91d1\u878d\u72af\u7f6a\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-impact-of-kyc-on-financial-institutions\">KYC \u5bf9\u91d1\u878d\u673a\u6784\u7684\u5f71\u54cd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u878d\u673a\u6784\u5fc5\u987b\u5236\u5b9a KYC \u534f\u8bae\uff0c\u4ee5\u964d\u4f4e\u5176\u9762\u4e34\u7684\u91d1\u878d\u98ce\u9669\u5e76\u7ef4\u62a4\u5176\u826f\u597d\u58f0\u8a89\u3002\u5982\u679c\u4e0d\u9075\u5b88 KYC \u6cd5\u89c4\uff0c\u53ef\u80fd\u4f1a\u4ea7\u751f\u4e25\u91cd\u540e\u679c\uff0c\u5305\u62ec\u5de8\u989d\u7f5a\u6b3e\u548c\u53ef\u80fd\u7684\u6cd5\u5f8b\u8bc9\u8bbc\u3002\u81ea 2000 \u5e74\u4ee5\u6765\uff0c\u672a\u9075\u5b88\u9002\u5f53\u7684 KYC \u6807\u51c6\u7684\u673a\u6784\u5df2\u88ab\u5904\u4ee5\u8d85\u8fc7 $21 \u4ebf\u7f8e\u5143\u7684\u7f5a\u6b3e\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u89c6\u5408\u89c4\u6027\u7684\u540e\u679c\u53ef\u80fd\u8fdc\u8fdc\u8d85\u51fa\u8d22\u653f\u5904\u7f5a\u3002\u4ee5\u6469\u6839\u5927\u901a\u4e3a\u4f8b\u3002\u7531\u4e8e\u758f\u4e8e\u62a5\u544a\u6709\u95ee\u9898\u7684\u6d3b\u52a8\uff0c\u4ed6\u4eec\u88ab\u5904\u4ee5\u8d85\u8fc7 $2 \u4ebf\u7f8e\u5143\u7684\u7f5a\u6b3e\u3002\u4e3a\u4e86\u6700\u5927\u9650\u5ea6\u5730\u51cf\u5c11\u6f5c\u5728\u7684\u6b3a\u8bc8\u884c\u4e3a\uff0c\u7ef4\u62a4\u91d1\u878d\u884c\u4e1a\u7684\u8bda\u4fe1\uff0c\u8fd9\u4e9b\u673a\u6784\u5fc5\u987b\u91c7\u53d6\u4ee5\u98ce\u9669\u4e3a\u4e2d\u5fc3\u7684\u65b9\u6cd5\u6765\u5b9e\u65bd\u5176 KYC \u63aa\u65bd\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u968f\u7740\u5168\u7403\u7ecf\u6d4e\u7684\u76f8\u4e92\u8054\u7cfb\u65e5\u76ca\u7d27\u5bc6\uff0c\u8de8\u5883\u72af\u7f6a\u6d3b\u52a8\u7684\u53ef\u80fd\u6027\u4e5f\u5728\u589e\u52a0\uff0c\u56e0\u6b64\u4e25\u683c\u9075\u5b88 \"\u5ba2\u6237\u8bc6\u522b\"\uff08KYC\uff09\u60ef\u4f8b\u53d8\u5f97\u66f4\u52a0\u91cd\u8981\u3002\u91d1\u878d\u5b9e\u4f53\u5728\u63a5\u5f85\u65b0\u5ba2\u6237\u65f6\u5fc5\u987b\u9075\u5b88\u76d1\u7ba1\u89c4\u5b9a--\u8fd9\u53ef\u786e\u4fdd\u9075\u5b88\u5fc5\u8981\u7684\u6cd5\u5f8b\u6846\u67b6\uff0c\u540c\u65f6\u52a0\u5f3a\u5bf9\u975e\u6cd5\u91d1\u878d\u884c\u4e3a\u7684\u9632\u5fa1\u3002\u901a\u8fc7\u4e25\u683c\u6267\u884c\u7ed3\u6784\u5408\u7406\u7684 KYC \u6218\u7565\uff0c\u8fd9\u4e9b\u673a\u6784\u4e0d\u4ec5\u80fd\u786e\u4fdd\u5176\u7a33\u5065\u8fd0\u8425\uff0c\u8fd8\u80fd\u589e\u5f3a\u6d88\u8d39\u8005\u7684\u6301\u4e45\u4fe1\u5fc3\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-summary\">\u6458\u8981<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u672c\u8d28\u4e0a\u8bb2\uff0c\u9075\u5b88 KYC \u6807\u51c6\u5bf9\u4e8e\u4fdd\u62a4\u91d1\u878d\u7cfb\u7edf\u514d\u53d7\u6b3a\u8bc8\u6d3b\u52a8\u548c\u6d17\u94b1\u4f01\u56fe\u7684\u4fb5\u5bb3\u81f3\u5173\u91cd\u8981\u3002\u91d1\u878d\u673a\u6784\u5728\u5176\u7a33\u5065\u7684 KYC \u6218\u7565\u4e2d\uff0c\u901a\u8fc7\u5168\u9762\u638c\u63e1\u548c\u5e94\u7528 KYC \u7684\u4e3b\u8981\u65b9\u9762\uff0c\u5305\u62ec\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP)\u3001\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u548c\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5 (EDD)\uff0c\u80fd\u591f\u6709\u6548\u76d1\u7763\u5ba2\u6237\u98ce\u9669\u6982\u51b5\uff0c\u5e76\u4e0e\u6cd5\u5f8b\u57fa\u51c6\u4fdd\u6301\u4e00\u81f4\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9075\u5b88\u65e2\u5b9a\u7684 KYC \u6cd5\u89c4\u4e0d\u4ec5\u80fd\u9632\u6b62\u6f5c\u5728\u7684\u6cd5\u5f8b\u540e\u679c\uff0c\u8fd8\u80fd\u901a\u8fc7\u589e\u8fdb\u4fe1\u4efb\u6765\u63d0\u9ad8\u673a\u6784\u5728\u5ba2\u6237\u4e2d\u7684\u58f0\u8a89\u3002\u968f\u7740\u91d1\u878d\u884c\u4e1a\u7684\u4e0d\u65ad\u53d8\u9769\uff0c\u6280\u672f\u5c06\u5728\u9075\u5b88 KYY \u8981\u6c42\u65b9\u9762\u53d1\u6325\u8d8a\u6765\u8d8a\u91cd\u8981\u7684\u4f5c\u7528\u3002\u901a\u8fc7\u5c06\u5148\u8fdb\u7684\u6570\u5b57\u9a8c\u8bc1\u6280\u672f\u4e0e\u7528\u4e8e\u6301\u7eed\u76d1\u63a7\u7684\u81ea\u52a8\u5316\u7cfb\u7edf\u76f8\u7ed3\u5408\uff0c\u91d1\u878d\u5b9e\u4f53\u65e2\u80fd\u4fdd\u6301\u5408\u89c4\u6027\uff0c\u53c8\u80fd\u79ef\u6781\u4e3b\u52a8\u5730\u786e\u4fdd\u5176\u8fd0\u8425\u4e0d\u53d7\u8fdd\u89c4\u98ce\u9669\u7684\u5f71\u54cd\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">\u5e38\u89c1\u95ee\u9898<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-the-purpose-of-the-customer-identification-program-cip\">\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP) \u7684\u76ee\u7684\u662f\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP) \u7684\u76ee\u7684\u662f\u9a8c\u8bc1\u5ba2\u6237\u7684\u5408\u6cd5\u8eab\u4efd\uff0c\u8fd9\u5bf9\u786e\u4fdd\u91d1\u878d\u4ea4\u6613\u5b89\u5168\u548c\u51cf\u5c11\u94f6\u884c\u6d3b\u52a8\u4e2d\u7684\u6b3a\u8bc8\u884c\u4e3a\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-is-customer-due-diligence-cdd-important\">\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u4e3a\u4f55\u91cd\u8981\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u81f3\u5173\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u6709\u52a9\u4e8e\u6838\u5b9e\u8eab\u4efd\u3001\u4e86\u89e3\u5173\u7cfb\u5e76 <a href=\"https:\/\/www.investglass.com\/zh\/2023-%e5%b9%b4%e4%ba%a4%e6%98%93%e7%9b%91%e6%b5%8b%e7%bb%88%e6%9e%81%e6%8c%87%e5%8d%97\/\" target=\"_self\" rel=\"noopener noreferrer\">\u76d1\u63a7\u4ea4\u6613<\/a> \u6709\u6548\u9884\u9632\u91d1\u878d\u72af\u7f6a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u79ef\u6781\u4e3b\u52a8\u7684\u65b9\u6cd5\u53ef\u4ee5\u4fdd\u969c\u4f01\u4e1a\u7684\u5229\u76ca\uff0c\u4fc3\u8fdb\u4f01\u4e1a\u9075\u5b88\u76d1\u7ba1\u6807\u51c6\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-additional-steps-are-involved-in-enhanced-due-diligence-edd\">\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u8fd8\u6d89\u53ca\u54ea\u4e9b\u6b65\u9aa4\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u9700\u8981\u4e00\u5957\u5f7b\u5e95\u7684\u65b9\u6cd5\uff0c\u5176\u4e2d\u5305\u62ec\u5f3a\u5316\u8eab\u4efd\u9a8c\u8bc1\u63aa\u65bd\u548c\u5bf9\u88ab\u89c6\u4e3a\u9ad8\u98ce\u9669\u5ba2\u6237\u7684\u6df1\u5165\u80cc\u666f\u8c03\u67e5\uff0c\u4ece\u800c\u786e\u4fdd\u6709\u6548\u7684\u98ce\u9669\u7ba1\u7406\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9e\u65bd\u8fd9\u79cd\u5f3a\u5316\u68c0\u67e5\u5bf9\u4e8e\u51cf\u5c11\u4e0e\u8fd9\u4e9b\u5ba2\u6237\u6709\u5173\u7684\u53ef\u80fd\u5371\u9669\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-are-the-consequences-of-non-compliance-with-kyc-regulations\">\u4e0d\u9075\u5b88 KYC \u6cd5\u89c4\u4f1a\u6709\u4ec0\u4e48\u540e\u679c\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u9075\u5b88 KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\u6cd5\u89c4\u53ef\u80fd\u4f1a\u5bfc\u81f4\u5927\u91cf\u5904\u7f5a\u3001\u6cd5\u5f8b\u8bc9\u8bbc\u4ee5\u53ca\u91d1\u878d\u673a\u6784\u58f0\u8a89\u53d7\u635f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u6f5c\u5728\u7ed3\u679c\u7684\u4e25\u91cd\u6027\u5f3a\u8c03\u4e86\u6b64\u7c7b\u673a\u6784\u9075\u5b88 \"\u4e86\u89e3\u4f60\u7684\u5ba2\u6237 \"\u8981\u6c42\u7684\u91cd\u8981\u6027\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-does-technology-enhance-kyc-compliance\">\u6280\u672f\u5982\u4f55\u63d0\u9ad8 KYC \u5408\u89c4\u6027\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u7b80\u5316\u7a0b\u5e8f\u4ee5\u51cf\u5c11\u4eba\u4e3a\u9519\u8bef\u7684\u53ef\u80fd\u6027\uff0c\u5e76\u63d0\u4f9b\u5b89\u5168\u7684\u8eab\u4efd\u9a8c\u8bc1\u65b9\u6cd5\uff08\u5982\u751f\u7269\u8bc6\u522b\u8ba4\u8bc1\uff09\uff0c\u6280\u672f\u5728\u6539\u5584 KYC \u5408\u89c4\u6027\u65b9\u9762\u53d1\u6325\u7740\u81f3\u5173\u91cd\u8981\u7684\u4f5c\u7528\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u7ed3\u679c\u662f\u4e00\u5957\u66f4\u6709\u6548\u3001\u66f4\u53ef\u9760\u7684\u5408\u89c4\u505a\u6cd5\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>Know Your Customer (KYC) requirements are regulatory standards that financial institutions must follow to verify the identities of their clients. To effectively implement these standards, it is crucial to know your customer requirements, which aim to prevent financial crimes like money laundering and fraud while ensuring legal compliance. This guide will break down the essential [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45812,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1035,1034,1036],"class_list":["post-45763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-identity-verification","tag-kyc-compliance","tag-regtech-solutions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Know Your Customer Requirements for Better Sales<\/title>\n<meta name=\"description\" content=\"Explore essential Know Your Customer requirements to enhance compliance and minimize risk. Read the article for practical insights and best practices.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/zh\/\u5168\u9762\u4e86\u89e3\u5ba2\u6237\u9700\u6c42\u7684\u57fa\u672c\u6307\u5357\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Essential Know Your Customer Requirements: A Comprehensive Guide\" \/>\n<meta property=\"og:description\" content=\"Know Your Customer (KYC) requirements are regulatory standards that financial institutions must follow to verify the identities of their clients. To\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/zh\/\u5168\u9762\u4e86\u89e3\u5ba2\u6237\u9700\u6c42\u7684\u57fa\u672c\u6307\u5357\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-09T09:20:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-06T19:03:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/getty-images-ScJxs8KFEqU-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 \u5206\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u4e86\u89e3\u5ba2\u6237\u9700\u6c42\uff0c\u63d0\u9ad8\u9500\u552e\u4e1a\u7ee9","description":"\u63a2\u7d22 \"\u4e86\u89e3\u4f60\u7684\u5ba2\u6237 \"\u7684\u57fa\u672c\u8981\u6c42\uff0c\u4ee5\u52a0\u5f3a\u5408\u89c4\u6027\u5e76\u6700\u5927\u9650\u5ea6\u5730\u964d\u4f4e\u98ce\u9669\u3002\u9605\u8bfb\u6587\u7ae0\uff0c\u4e86\u89e3\u5b9e\u7528\u89c1\u89e3\u548c\u6700\u4f73\u5b9e\u8df5\u3002.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/zh\/\u5168\u9762\u4e86\u89e3\u5ba2\u6237\u9700\u6c42\u7684\u57fa\u672c\u6307\u5357\/","og_locale":"zh_CN","og_type":"article","og_title":"Essential Know Your Customer Requirements: A Comprehensive Guide","og_description":"Know Your Customer (KYC) requirements are regulatory standards that financial institutions must follow to verify the identities of their clients. 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