{"id":49355,"date":"2026-03-24T08:52:52","date_gmt":"2026-03-24T07:52:52","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49355"},"modified":"2026-03-24T08:52:55","modified_gmt":"2026-03-24T07:52:55","slug":"%e4%ba%86%e8%a7%a3%e5%ae%a2%e6%88%b7%ef%bc%88kyc%ef%bc%89%e6%b5%81%e7%a8%8b%e7%9a%84%e5%85%b3%e9%94%ae%e6%ad%a5%e9%aa%a4%e5%8c%85%e6%8b%ac%ef%bc%9a1-%e8%ba%ab%e4%bb%bd%e8%af%86%e5%88%ab%e5%92%8c","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/what-are-the-key-processes-in-the-kyc-process\/","title":{"rendered":"\u4e86\u89e3\u5ba2\u6237\uff08KYC\uff09\u6d41\u7a0b\u7684\u5173\u952e\u73af\u8282\u6709\u54ea\u4e9b\uff1f"},"content":{"rendered":"

\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\uff08KYC\uff09\u6d41\u7a0b\u5305\u542b\u591a\u4e2a\u5173\u952e\u6b65\u9aa4\uff0c\u91d1\u878d\u673a\u6784\u548c\u53d7\u76d1\u7ba1\u7ec4\u7ec7\u5fc5\u987b\u9075\u5faa\u8fd9\u4e9b\u6b65\u9aa4\u6765\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u3001\u8bc4\u4f30\u98ce\u9669\uff0c\u5e76\u786e\u4fdd\u6301\u7eed\u9075\u5b88\u53cd\u6d17\u94b1\uff08AML\uff09\u548c\u53cd\u6050\u878d\u8d44\uff08CTF\uff09\u6cd5\u89c4\u3002\u8fd9\u4e9b\u5173\u952e\u6d41\u7a0b\u5305\u62ec\uff1a<\/p>\n\n\n\n

    \n
  1. \u5ba2\u6237\u8bc6\u522b\u7a0b\u5e8f<\/strong> \u8fd9\u4e00\u521d\u6b65\u6b65\u9aa4\u6d89\u53ca\u6536\u96c6\u548c\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\uff0c\u4f8b\u5982\u653f\u5e9c\u7b7e\u53d1\u7684\u8eab\u4efd\u8bc1\u4ef6\uff08\u62a4\u7167\u3001\u56fd\u6c11\u8eab\u4efd\u8bc1\u6216\u9a7e\u9a76\u6267\u7167\uff09\u4ee5\u53ca\u5730\u5740\u8bc1\u660e\u3002CIP \u786e\u4fdd\u673a\u6784\u5728\u63a5\u7eb3\u5ba2\u6237\u5e76\u5efa\u7acb\u4e1a\u52a1\u5173\u7cfb\u4e4b\u524d\uff0c\u80fd\u591f\u51c6\u786e\u5730\u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u7684\u771f\u5b9e\u6027\u3002.<\/li>\n\n\n\n
  2. \u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD)\uff1a<\/strong> \u5728\u8bc6\u522b\u540e\uff0c\u91d1\u878d\u673a\u6784\u901a\u8fc7\u8bc4\u4f30\u804c\u4e1a\u3001\u6536\u5165\u6765\u6e90\u3001\u4ea4\u6613\u6a21\u5f0f\u548c\u5730\u7406\u4f4d\u7f6e\u7b49\u56e0\u7d20\u6765\u8bc4\u4f30\u5ba2\u6237\u7684\u98ce\u9669\u72b6\u51b5\u3002\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09\u5305\u62ec\u5c06\u5ba2\u6237\u4e0e\u5236\u88c1\u540d\u5355\u3001\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff08PEP\uff09\u6570\u636e\u5e93\u548c\u8d1f\u9762\u5a92\u4f53\u8fdb\u884c\u6bd4\u5bf9\uff0c\u4ee5\u8bc6\u522b\u6f5c\u5728\u98ce\u9669\u3002.<\/li>\n\n\n\n
  3. \u589e\u5f3a\u5c3d\u804c\u8c03\u67e5 (EDD)<\/strong> \u5bf9\u4e8e\u88ab\u89c6\u4e3a\u9ad8\u98ce\u9669\u7684\u5ba2\u6237\uff0c\u4f8b\u5982\u653f\u6cbb\u516c\u4f17\u4eba\u7269\u3001\u6765\u81ea\u9ad8\u98ce\u9669\u53f8\u6cd5\u7ba1\u8f96\u533a\u7684\u4eba\u58eb\u6216\u4ea4\u6613\u7ed3\u6784\u590d\u6742\u7684\u516c\u53f8\u5b9e\u4f53\uff0c\u589e\u5f3a\u7684\u5c3d\u804c\u8c03\u67e5 (EDD) \u6d89\u53ca\u66f4\u5168\u9762\u7684\u8c03\u67e5\u3002\u8fd9\u5305\u62ec\u66f4\u6df1\u5165\u7684\u80cc\u666f\u8c03\u67e5\u3001\u9891\u7e41 \u8eab\u4efd\u9a8c\u8bc1<\/a>, \u4ee5\u53ca\u5bf9\u5ba2\u6237\u4e1a\u52a1\u6d3b\u52a8\u548c\u53d7\u76ca\u6240\u6709\u4eba\u8fdb\u884c\u66f4\u5bc6\u5207\u7684\u5ba1\u67e5\u3002.<\/li>\n\n\n\n
  4. \u6301\u7eed\u76d1\u63a7<\/strong> KYC\u662f\u4e00\u4e2a\u6301\u7eed\u7684\u8fc7\u7a0b\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u5b9a\u671f\u76d1\u63a7\u5ba2\u6237\u7684\u4ea4\u6613\u548c\u884c\u4e3a\uff0c\u4ee5\u68c0\u6d4b\u5f02\u5e38\u6216\u53ef\u7591\u6d3b\u52a8\u3002\u8fd9\u5305\u62ec\u66f4\u65b0\u98ce\u9669\u753b\u50cf\u548c\u8fdb\u884c\u5b9a\u671f\u5ba1\u67e5\uff0c\u4ee5\u786e\u4fdd\u9075\u5b88\u4e0d\u65ad\u53d8\u5316\u7684\u76d1\u7ba1\u8981\u6c42\u3002.<\/li>\n\n\n\n
  5. \u53ef\u7591\u6d3b\u52a8\u62a5\u544a<\/strong> \u5f53\u8bc6\u522b\u51fa\u53ef\u7591\u4ea4\u6613\u6216\u884c\u4e3a\u65f6\uff0c\u673a\u6784\u5fc5\u987b\u5411\u76f8\u5173\u7684\u76d1\u7ba1\u673a\u6784\u548c\u6267\u6cd5\u90e8\u95e8\u63d0\u4ea4\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\uff08SAR\uff09\uff0c\u4ee5\u534f\u52a9\u9884\u9632\u91d1\u878d\u72af\u7f6a\u3002.<\/li>\n\n\n\n
  6. \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1<\/strong> \u901a\u8fc7\u5229\u7528\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u3001\u9762\u90e8\u8bc6\u522b\u548c\u81ea\u52a8\u5316 KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\u89e3\u51b3\u65b9\u6848\u7b49\u6280\u672f\uff0c\u673a\u6784\u53ef\u4ee5\u7b80\u5316\u8eab\u4efd\u9a8c\u8bc1\uff0c\u540c\u65f6\u63d0\u9ad8\u51c6\u786e\u6027\u548c\u5b89\u5168\u6027\u3002\u8fd9\u4e9b\u6570\u5b57\u5de5\u5177\u652f\u6301\u66f4\u5feb\u7684\u5165\u804c\u6d41\u7a0b\u548c\u6301\u7eed\u5408\u89c4\u3002.<\/li>\n<\/ol>\n\n\n\n

    \u901a\u8fc7\u4e25\u683c\u9075\u5faa\u8fd9\u4e9b\u5173\u952e\u6d41\u7a0b\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u6709\u6548\u964d\u4f4e\u4e0e\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u3001\u8eab\u4efd\u76d7\u7a83\u53ca\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u76f8\u5173\u7684\u98ce\u9669\uff0c\u540c\u65f6\u4fdd\u6301\u5408\u89c4\u6027\u5e76\u4fdd\u62a4\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\u3002.<\/p>\n\n\n\n

    \u5173\u4e8e KYC \u6d41\u7a0b\u7684\u5e38\u89c1\u95ee\u9898\u89e3\u7b54<\/h2>\n\n\n\n
      \n
    1. \u5728\u7ebf\u6cd5\u5b66\u7855\u58eb\uff08LLM\uff09\u8bfe\u7a0b\u901a\u5e38\u7684\u5f55\u53d6\u6807\u51c6\u662f\u4ec0\u4e48\uff1f<\/strong>
      \u5165\u5b66\u901a\u5e38\u9700\u8981\u4e13\u4e1a\u7684\u6cd5\u5f8b\u5b66\u4f4d\uff0c\u5982\u6cd5\u5b66\u535a\u58eb\uff08J.D.\uff09\u6216\u540c\u7b49\u5b66\u5386\uff0c\u5b98\u65b9\u6210\u7ee9\u5355\uff0c\u63a8\u8350\u4fe1\uff0c\u5c65\u5386\u6216\u7b80\u5386\uff0c\u5bf9\u4e8e\u56fd\u9645\u7533\u8bf7\u8005\uff0c\u8fd8\u9700\u8981\u63d0\u4f9b\u82f1\u8bed\u8bed\u8a00\u80fd\u529b\u8bc1\u660e\u3002\u6ee1\u8db3\u8fd9\u4e9b\u6807\u51c6\u662f\u83b7\u5f97\u5f55\u53d6\u7684\u5173\u952e\u3002.<\/li>\n\n\n\n
    2. \u5728\u7ebf\u5b66\u4e60\u8bed\u8a00\u6a21\u578b\u9879\u76ee\u901a\u5e38\u9700\u8981\u591a\u957f\u65f6\u95f4\u624d\u80fd\u5b8c\u6210\uff1f<\/strong>
      \u5168\u65e5\u5236\u5b66\u751f\u901a\u5e38\u4e00\u5e74\u5de6\u53f3\u53ef\u4ee5\u5b8c\u6210\u5728\u7ebfLLM\u8bfe\u7a0b\uff0c\u800c\u517c\u804c\u5b66\u751f\u5219\u9700\u8981\u4e24\u5230\u4e09\u5e74\u624d\u80fd\u5b8c\u6210\u5b66\u4e1a\u3002.<\/li>\n\n\n\n
    3. \u5728\u7ebf\u6cd5\u5b66\u7855\u58eb\u9879\u76ee\u901a\u5e38\u63d0\u4f9b\u54ea\u4e9b\u4e13\u4e1a\u65b9\u5411\uff1f<\/strong>
      \u5728\u7ebf\u4eba\u5de5\u667a\u80fd\u5927\u8bed\u8a00\u6a21\u578b\u9879\u76ee\u7ecf\u5e38\u5305\u542b\u4e13\u95e8\u7684\u5b66\u4e60\u65b9\u5411\uff0c\u4f8b\u5982\u73af\u5883\u6cd5\u3001\u653f\u5e9c\u91c7\u8d2d\u6cd5\u3001\u56fd\u5bb6\u5b89\u5168\u6cd5\u3001\u7f51\u7edc\u5b89\u5168\u6cd5\uff0c\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u548c\u6280\u672f\u6cd5\u7b49\u65b0\u5174\u9886\u57df\u3002.<\/li>\n<\/ol>\n\n\n\n
        \n
      1. \u5728\u7ebf\u5927\u8bed\u8a00\u6a21\u578b\u5b66\u4f4d\u662f\u5426\u88ab\u96c7\u4e3b\u63a5\u53d7\uff1f<\/strong>
        \u6765\u81ea\u8ba4\u53ef\u673a\u6784\u7684\u5728\u7ebf\u8bed\u8a00\u6a21\u578b\u5b66\u4f4d\u901a\u5e38\u88ab\u96c7\u4e3b\u63a5\u53d7\uff0c\u5e76\u88ab\u8ba4\u4e3a\u4e0e\u4f20\u7edf\u6821\u56ed\u5b66\u5386\u540c\u7b49\u3002\u9009\u62e9\u4e00\u4e2a\u4fe1\u8a89\u826f\u597d\u7684\u8bfe\u7a0b\u5bf9\u4e8e\u6700\u5927\u5316\u804c\u4e1a\u673a\u4f1a\u81f3\u5173\u91cd\u8981\u3002.<\/li>\n\n\n\n
      2. \u5728\u7ebf\u6cd5\u5b66\u7855\u58eb\u5b66\u751f\u6709\u54ea\u4e9b\u7c7b\u578b\u7684\u7ecf\u6d4e\u63f4\u52a9\uff1f<\/strong>
        \u653b\u8bfb\u5728\u7ebf\u6cd5\u5b66\u7855\u58eb\u5b66\u4f4d\u7684\u5b66\u751f\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u5404\u79cd\u5f62\u5f0f\u7684\u7ecf\u6d4e\u63f4\u52a9\uff0c\u5305\u62ec\u5956\u5b66\u91d1\u3001\u52a9\u5b66\u91d1\u548c\u8d37\u6b3e\uff0c\u8fd9\u4e9b\u901a\u5e38\u57fa\u4e8e\u7ecf\u6d4e\u9700\u6c42\u3002\u653f\u5e9c\u8ba1\u5212\u548c\u79c1\u4eba\u7ec4\u7ec7\u4e5f\u53ef\u80fd\u63d0\u4f9b\u989d\u5916\u7684\u8d44\u52a9\u9009\u62e9\u3002.<\/li>\n<\/ol>\n\n\n\n

        KYC (\u4e86\u89e3\u4f60\u7684\u5ba2\u6237) \u7b80\u4ecb<\/h3>\n\n\n\n

        \u5728\u5f53\u4eca\u5feb\u901f\u53d1\u5c55\u7684\u91d1\u878d\u9886\u57df\uff0c\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff08KYC\uff09\u7a0b\u5e8f\u5df2\u6210\u4e3a\u53d7\u76d1\u7ba1\u673a\u6784\u76d1\u7ba1\u5408\u89c4\u548c\u98ce\u9669\u7ba1\u7406\u7684\u91cd\u8981\u57fa\u77f3\u3002\u5728\u91d1\u878d\u884c\u4e1a\u5185\uff0cKYC \u5bf9\u4e8e\u786e\u4fdd\u5408\u89c4\u548c\u6709\u6548\u7684\u98ce\u9669\u7ba1\u7406\u81f3\u5173\u91cd\u8981\u3002KYC \u6307\u7684\u662f\u4f7f\u7ec4\u7ec7\u80fd\u591f\u9a8c\u8bc1\u548c\u4fdd\u969c\u5ba2\u6237\u8eab\u4efd\u3001\u8bc4\u4f30\u98ce\u9669\u72b6\u51b5\u4ee5\u53ca\u76d1\u63a7\u91d1\u878d\u4ea4\u6613\u4ee5\u53d1\u73b0\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u8ff9\u8c61\u7684\u6d41\u7a0b\u548c\u63a7\u5236\u63aa\u65bd\u3002\u4f7f\u7528\u6570\u5b57\u9a8c\u8bc1\u65b9\u6cd5\u9a8c\u8bc1\u548c\u8ba4\u8bc1\u5ba2\u6237\u8eab\u4efd\u5bf9\u4e8e\u786e\u4fdd\u76d1\u7ba1\u5408\u89c4\u3001\u5efa\u7acb\u4fe1\u4efb\u548c\u964d\u4f4e\u91d1\u878d\u4ea4\u6613\u98ce\u9669\u81f3\u5173\u91cd\u8981\u3002\u901a\u8fc7\u5b9e\u65bd\u5065\u5168\u7684 KYC \u6846\u67b6\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u5728\u7ef4\u62a4\u81ea\u8eab\u548c\u66f4\u5e7f\u6cdb\u91d1\u878d\u7cfb\u7edf\u514d\u53d7\u975e\u6cd5\u91d1\u878d\u6d3b\u52a8\u3001\u8eab\u4efd\u76d7\u7a83\u548c\u58f0\u8a89\u635f\u5bb3\u7684\u540c\u65f6\uff0c\u5b9e\u73b0\u4fdd\u62a4\u3002 \u4e3b\u6743<\/a> \u5bf9\u5176\u5408\u89c4\u6d41\u7a0b\u7684\u63a7\u5236.<\/p>\n\n\n\n

        KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u6d41\u7a0b\u4e0d\u4ec5\u662f\u4e00\u9879\u76d1\u7ba1\u8981\u6c42\uff0c\u8fd8\u662f\u7ef4\u62a4\u5ba2\u6237\u5173\u7cfb\u548c\u884c\u4e1a\u8bda\u4fe1\u7684\u5173\u952e\u5de5\u5177\u3002\u5b83\u6db5\u76d6\u4e86\u4ece\u521d\u6b65\u5ba2\u6237\u8bc6\u522b\u548c\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09\u5230\u9ad8\u98ce\u9669\u5ba2\u6237\u548c\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff08PEP\uff09\u7684\u6301\u7eed\u76d1\u63a7\u548c\u52a0\u5f3a\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u7684\u4e00\u7cfb\u5217\u6d3b\u52a8\u3002KYC\u9a8c\u8bc1\u662f\u5165\u804c\u6d41\u7a0b\u4e2d\u7684\u5173\u952e\u4e00\u6b65\uff0c\u5b83\u786e\u4fdd\u91d1\u878d\u673a\u6784\u80fd\u591f\u9a8c\u8bc1\u8eab\u4efd\u3001\u68c0\u6d4b\u53ef\u7591\u6d3b\u52a8\uff0c\u5e76\u5c65\u884c\u5176\u5728\u53cd\u6d17\u94b1\uff08AML\uff09\u548c\u53cd\u6050\u878d\u8d44\uff08CFT\uff09\u6cd5\u89c4\u4e0b\u7684\u62a5\u544a\u4e49\u52a1\uff0c\u540c\u65f6\u7ef4\u62a4\u6570\u636e\u4e3b\u6743\u548c\u8fd0\u8425\u63a7\u5236\u3002.<\/p>\n\n\n\n

        \u968f\u7740\u9762\u90e8\u8bc6\u522b\u548c\u81ea\u52a8KYC\u89e3\u51b3\u65b9\u6848\u7b49\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u6280\u672f\u7684\u51fa\u73b0\uff0c\u53d7\u76d1\u7ba1\u7684\u673a\u6784\u73b0\u5728\u80fd\u591f\u7b80\u5316\u5165\u804c\u6d41\u7a0b\uff0c\u51cf\u5c11\u624b\u52a8\u9519\u8bef\uff0c\u5e76\u63d0\u9ad8\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u7684\u51c6\u786e\u6027\u3002\u8fd9\u79cd\u6570\u5b57\u5316\u8f6c\u578b\u652f\u6301\u6301\u7eed\u76d1\u63a7\uff0c\u5e76\u4f7f\u7ec4\u7ec7\u80fd\u591f\u8fc5\u901f\u54cd\u5e94\u5ba2\u6237\u98ce\u9669\u72b6\u51b5\u7684\u53d8\u5316\uff0c\u786e\u4fdd\u6301\u7eed\u9075\u5b88\u5168\u7403KYC\u6cd5\u89c4\uff0c\u540c\u65f6\u7ef4\u62a4\u4f18\u5148\u8003\u8651\u6570\u636e\u4fdd\u62a4\u548c\u6cd5\u89c4\u9075\u4ece\u6027\u7684\u5b89\u5168\u3001\u53ef\u4fe1\u8d56\u7684\u57fa\u7840\u8bbe\u65bd\u3002.<\/p>\n\n\n\n

        KYC\u8981\u6c42\u5df2\u8d85\u8d8a\u4f20\u7edf\u94f6\u884c\uff0c\u6269\u5c55\u81f3\u5176\u4ed6\u91d1\u878d\u673a\u6784\u548c\u91d1\u878d\u9886\u57df\u5b9e\u4f53\uff0c\u4f8b\u5982\u8d44\u4ea7\u7ba1\u7406\u4eba\u3001\u4fdd\u9669\u516c\u53f8\u548c\u865a\u62df\u8d44\u4ea7\u670d\u52a1\u63d0\u4f9b\u5546\u3002\u968f\u7740\u76d1\u7ba1\u9884\u671f\u7684\u4e0d\u65ad\u6f14\u53d8\uff0c\u91c7\u7528\u5148\u8fdb\u7684KYC\u6d41\u7a0b\u548c\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u5de5\u5177\u5df2\u6210\u4e3a\u6240\u6709\u5bfb\u6c42\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u548c\u7ef4\u62a4\u91d1\u878d\u7cfb\u7edf\u4fe1\u4efb\u7684\u7ec4\u7ec7\u7684\u5173\u952e\u3002\u53d7\u76d1\u7ba1\u7684\u673a\u6784\u65e5\u76ca\u91cd\u89c6\u5f3a\u8c03\u5408\u89c4\u6027\u3001\u5b89\u5168\u6027\u548c\u5bf9\u5176\u5173\u952eKYC\u57fa\u7840\u8bbe\u65bd\u8fd0\u8425\u63a7\u5236\u7684\u4e3b\u6743\u89e3\u51b3\u65b9\u6848\u3002.<\/p>\n\n\n\n

        \u4ec0\u4e48\u662f KYC\uff1f<\/h4>\n\n\n\n

        \u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff08KYC\uff09\u662f\u4e00\u4e2a\u57fa\u672c\u6d41\u7a0b\uff0c\u5b83\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u5e76\u8bc4\u4f30\u4e0e\u6bcf\u4e2a\u4e1a\u52a1\u5173\u7cfb\u76f8\u5173\u7684\u98ce\u9669\u3002\u5176\u6838\u5fc3\u662f\u901a\u8fc7\u786e\u4fdd\u5ba2\u6237\u5f97\u5230\u51c6\u786e\u8bc6\u522b\u5e76\u6301\u7eed\u76d1\u63a7\u5176\u6d3b\u52a8\uff0c\u6765\u9632\u6b62\u6d17\u94b1\u3001\u6050\u6016\u878d\u8d44\u3001\u8eab\u4efd\u76d7\u7a83\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u3002.<\/p>\n\n\n\n

        \u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff08KYC\uff09\u6d41\u7a0b\u59cb\u4e8e\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\uff0c\u91d1\u878d\u673a\u6784\u5728\u6b64\u73af\u8282\u6536\u96c6\u5e76\u9a8c\u8bc1\u53ef\u9760\u7684\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\uff0c\u5982\u62a4\u7167\u3001\u56fd\u6c11\u8eab\u4efd\u8bc1\u6216\u9a7e\u9a76\u6267\u7167\u3002\u8fd9\u4e00\u521d\u59cb\u6b65\u9aa4\u5bf9\u4e8e\u786e\u7acb\u5ba2\u6237\u5408\u6cd5\u6027\u81f3\u5173\u91cd\u8981\uff0c\u5e76\u6784\u6210\u4e86\u540e\u7eed\u5c3d\u804c\u8c03\u67e5\u7684\u57fa\u7840\u3002\u4f5c\u4e3a\u8be5\u6d41\u7a0b\u7684\u4e00\u90e8\u5206\uff0c\u91d1\u878d\u673a\u6784\u4f1a\u8fdb\u884cKYC\u68c0\u67e5\uff0c\u4ee5\u786e\u4fdd\u5408\u89c4\u6027\u548c\u9632\u6b62\u6b3a\u8bc8\u3002\u968f\u540e\u8fdb\u884c\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09\uff0c\u5176\u4e2d\u5305\u62ec\u98ce\u9669\u56e0\u7d20\u8bc4\u4f30\u3001\u4ea4\u6613\u5386\u53f2\u5ba1\u67e5\u4ee5\u53ca\u5bf9\u5f02\u5e38\u6216\u53ef\u7591\u6d3b\u52a8\u7684\u7b5b\u9009\u3002\u8fd9\u5305\u62ec\u98ce\u9669\u8bc4\u4f30\uff0c\u5373\u57fa\u4e8e\u804c\u4e1a\u3001\u6536\u5165\u6765\u6e90\u548c\u4ea4\u6613\u6a21\u5f0f\u7b49\u56e0\u7d20\u5bf9\u5ba2\u6237\u98ce\u9669\u8fdb\u884c\u7684\u7cfb\u7edf\u8bc4\u4f30\u3002\u5bf9\u4e8e\u88ab\u8ba4\u4e3a\u98ce\u9669\u8f83\u9ad8\u7684\u5ba2\u6237\uff0c\u4f8b\u5982\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff08PEP\uff09\u6216\u6d89\u53ca\u590d\u6742\u516c\u53f8\u7ed3\u6784\u7684\u4eba\u5458\uff0c\u5219\u9700\u8981\u8fdb\u884c\u52a0\u5f3a\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u3002EDD\u6d89\u53ca\u66f4\u5f7b\u5e95\u7684\u5206\u6790\u3001\u9891\u7e41\u7684\u9a8c\u8bc1\u4ee5\u53ca\u5bf9\u5ba2\u6237\u4e1a\u52a1\u6d3b\u52a8\u66f4\u4e25\u683c\u7684\u5ba1\u67e5\u3002 \u5b9e\u76ca\u62e5\u6709\u4eba<\/a>.<\/p>\n\n\n\n

        \u6301\u7eed\u76d1\u63a7\u662f KYC \u6846\u67b6\u7684\u53e6\u4e00\u4e2a\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u6301\u7eed\u5ba1\u67e5\u5ba2\u6237\u4fe1\u606f\u3001\u76d1\u63a7\u4ea4\u6613\u5e76\u66f4\u65b0\u98ce\u9669\u72b6\u51b5\uff0c\u4ee5\u6839\u636e\u76d1\u7ba1\u8981\u6c42\u68c0\u6d4b\u548c\u62a5\u544a\u53ef\u7591\u6d3b\u52a8\u3002\u4e3a\u6bcf\u4f4d\u5ba2\u6237\u7ef4\u62a4\u51c6\u786e\u7684\u98ce\u9669\u72b6\u51b5\u81f3\u5173\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u51b3\u5b9a\u4e86\u6301\u7eed\u5c3d\u804c\u8c03\u67e5\u7684\u7ea7\u522b\u548c\u6240\u9700\u7684 KYC \u68c0\u67e5\u7c7b\u578b\u3002\u8fd9\u4e00\u6301\u7eed\u7684\u5c3d\u804c\u8c03\u67e5\u8fc7\u7a0b\u6709\u52a9\u4e8e\u4fdd\u62a4\u91d1\u878d\u673a\u6784\u514d\u4e8e\u65e0\u610f\u4e2d\u534f\u52a9\u975e\u6cd5\u91d1\u878d\u6d3b\u52a8\uff0c\u5e76\u786e\u4fdd\u9075\u5b88\u5168\u7403\u6cd5\u89c4\uff0c\u4f8b\u5982\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\u548c\u300a\u6b27\u76df\u53cd\u6d17\u94b1\u6307\u4ee4\u300b\u3002.<\/p>\n\n\n\n

        \u6570\u5b57\u5316\u7684\u91c7\u7528 \u8eab\u4efd\u9a8c\u8bc1\u65b9\u6cd5<\/a>, \u5305\u62ec\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u548c\u9762\u90e8\u8bc6\u522b\u5728\u5185\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u5df2\u7ecf\u6539\u53d8\u4e86\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b (KYC) \u7684\u683c\u5c40\u3002\u7531\u4eba\u5de5\u667a\u80fd\u548c\u673a\u5668\u5b66\u4e60\u652f\u6301\u7684\u81ea\u52a8\u5316 KYC \u89e3\u51b3\u65b9\u6848\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u9ad8\u6548\u5730\u9a8c\u8bc1\u8eab\u4efd\uff0c\u964d\u4f4e\u624b\u52a8\u9519\u8bef\u7684\u98ce\u9669\uff0c\u5e76\u4f18\u5316\u5ba2\u6237\u4f53\u9a8c\u3002\u8fd9\u4e9b\u6280\u672f\u8fd8\u901a\u8fc7\u542f\u7528\u5b9e\u65f6\u76d1\u63a7\u548c\u5feb\u901f\u68c0\u6d4b\u5ba2\u6237\u98ce\u9669\u72b6\u51b5\u7684\u53d8\u5316\u6765\u652f\u6301\u6301\u7eed\u5408\u89c4\u3002.<\/p>\n\n\n\n

        KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u6cd5\u89c4\u4e0d\u4ec5\u9002\u7528\u4e8e\u94f6\u884c\uff0c\u8fd8\u9002\u7528\u4e8e\u5e7f\u6cdb\u7684\u91d1\u878d\u9886\u57df\u5b9e\u4f53\uff0c\u5305\u62ec\u8d27\u5e01\u670d\u52a1\u4f01\u4e1a\u3001\u865a\u62df\u8d44\u4ea7\u4ea4\u6613\u5546\u548c\u5176\u4ed6\u53d7\u76d1\u7ba1\u7684\u7ec4\u7ec7\u3002\u901a\u8fc7\u5b9e\u65bd\u5168\u9762\u7684 KYC \u7a0b\u5e8f\uff0c\u8fd9\u4e9b\u673a\u6784\u53ef\u4ee5\u5c65\u884c\u5176\u76d1\u7ba1\u4e49\u52a1\uff0c\u964d\u4f4e\u91d1\u878d\u6b3a\u8bc8\u548c\u6d17\u94b1\u7684\u98ce\u9669\uff0c\u5e76\u7ef4\u62a4\u91d1\u878d\u7cfb\u7edf\u7684\u5b8c\u6574\u6027\u3002.<\/p>\n\n\n\n

        \u603b\u4e4b\uff0c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff08KYC\uff09\u662f\u91d1\u878d\u884c\u4e1a\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u3001\u4fdd\u62a4\u5ba2\u6237\u4fe1\u606f\u548c\u786e\u4fdd\u5408\u89c4\u6027\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002\u5c3d\u804c\u8c03\u67e5\u662f\u4e00\u4e2a\u7cfb\u7edf\u6027\u7684\u7a0b\u5e8f\uff0c\u7528\u4e8e\u6838\u5b9e\u8eab\u4efd\u3001\u8bc4\u4f30\u98ce\u9669\u5e76\u786e\u4fdd\u6301\u7eed\u9075\u5b88\u6cd5\u5f8b\u6846\u67b6\u3002\u901a\u8fc7\u6709\u6548\u7684\u5ba2\u6237\u8bc6\u522b\u3001\u5c3d\u804c\u8c03\u67e5\u548c\u6301\u7eed\u76d1\u63a7\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u4fdd\u969c\u5176\u8fd0\u8425\uff0c\u4e0e\u5ba2\u6237\u5efa\u7acb\u4fe1\u4efb\uff0c\u5e76\u4e3a\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u7684\u7a33\u5b9a\u4e0e\u5b89\u5168\u505a\u51fa\u8d21\u732e\u3002.<\/p>\n\n\n\n

        \u53cd\u6d17\u94b1\u548c\u9632\u8303\u91d1\u878d\u72af\u7f6a<\/h3>\n\n\n\n

        \u53cd\u6d17\u94b1\uff08AML\uff09\u548c\u91d1\u878d\u72af\u7f6a\u7684\u9884\u9632\u4ecd\u7136\u662f\u53d7\u76d1\u7ba1\u91d1\u878d\u673a\u6784\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff08KYC\uff09\u6d41\u7a0b\u7684\u6838\u5fc3\u3002\u901a\u8fc7\u5b9e\u65bd\u5168\u9762\u7684KYC\u7a0b\u5e8f\uff0c\u7ec4\u7ec7\u53ef\u4ee5\u6709\u6548\u5730\u4fdd\u62a4\u81ea\u5df1\u514d\u53d7\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u3001\u8eab\u4efd\u76d7\u7a83\u4ee5\u53ca\u5176\u4ed6\u5a01\u80c1\u6211\u4eec\u91d1\u878d\u4f53\u7cfb\u5b8c\u6574\u6027\u7684\u91d1\u878d\u72af\u7f6a\u7684\u4fb5\u5bb3\u3002.<\/p>\n\n\n\n

        \u5f3a\u5927\u7684\u5ba2\u6237\u8bc6\u522b\u8ba1\u5212 (CIP) \u662f\u53cd\u6d17\u94b1\u5de5\u4f5c\u7684\u57fa\u77f3\uff0c\u8981\u6c42\u91d1\u878d\u673a\u6784\u901a\u8fc7\u53ef\u9760\u7684\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\u6838\u5b9e\u6bcf\u4f4d\u5ba2\u6237\u7684\u8eab\u4efd\uff0c\u540c\u65f6\u7ef4\u62a4\u6240\u6536\u96c6\u4fe1\u606f\u7684\u51c6\u786e\u8bb0\u5f55\u3002\u8fd9\u4e00\u8fc7\u7a0b\u5bf9\u4e8e\u5efa\u7acb\u6e05\u6670\u7684\u5ba1\u8ba1\u8ffd\u8e2a\u4ee5\u53ca\u786e\u4fdd\u53ea\u6709\u5408\u6cd5\u4e2a\u4eba\u548c\u5b9e\u4f53\u5728\u9002\u5f53\u7684\u76d1\u7ba1\u5ba1\u67e5\u4e0b\u83b7\u5f97\u91d1\u878d\u670d\u52a1\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n

        \u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09\u662f\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff08KYC\uff09\u6846\u67b6\u7684\u5173\u952e\u7ec4\u6210\u90e8\u5206\uff0c\u6d89\u53ca\u5168\u9762\u7684\u98ce\u9669\u8bc4\u4f30\u3001\u4ea4\u6613\u5386\u53f2\u5ba1\u67e5\u4ee5\u53ca\u5bf9\u5ba2\u6237\u8fdb\u884c\u5f02\u5e38\u6a21\u5f0f\u6216\u4e0e\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff08PEPs\uff09\u76f8\u5173\u8054\u7684\u7b5b\u67e5\u3002\u5bf9\u4e8e\u9ad8\u98ce\u9669\u5ba2\u6237\uff0c\u5305\u62ec\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff08PEPs\uff09\u6216\u62e5\u6709\u590d\u6742\u6240\u6709\u6743\u7ed3\u6784\u7684\u5ba2\u6237\uff0c\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u6210\u4e3a\u5f3a\u5236\u6027\u8981\u6c42\u3002EDD\u6d89\u53ca\u66f4\u6df1\u5165\u7684\u5206\u6790\u3001\u66f4\u9891\u7e41\u7684\u8eab\u4efd\u9a8c\u8bc1\uff0c\u4ee5\u53ca\u5bf9\u53d7\u76ca\u6240\u6709\u4eba\u548c\u4e1a\u52a1\u5173\u7cfb\u7684\u66f4\u5bc6\u5207\u5ba1\u67e5\uff0c\u4ee5\u8bc6\u522b\u6f5c\u5728\u98ce\u9669\u5e76\u9632\u6b62\u975e\u6cd5\u91d1\u878d\u6d3b\u52a8\u3002.<\/p>\n\n\n\n

        \u6301\u7eed\u76d1\u63a7\u5bf9\u4e8e\u6709\u6548\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u4ecd\u7136\u4e0d\u53ef\u6216\u7f3a\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u6301\u7eed\u76d1\u63a7\u4ea4\u6613\u3001\u66f4\u65b0\u5ba2\u6237\u98ce\u9669\u753b\u50cf\uff0c\u5e76\u8bc6\u522b\u53ef\u80fd\u8868\u660e\u53ef\u7591\u6d3b\u52a8\u7684\u7684\u884c\u4e3a\u53d8\u5316\u6216\u65b0\u5174\u98ce\u9669\u56e0\u7d20\u3002\u8fd9\u79cd\u52a8\u6001\u65b9\u6cd5\u4f7f\u7ec4\u7ec7\u80fd\u591f\u8fc5\u901f\u5e94\u5bf9\u4e0d\u65ad\u6f14\u53d8\u7684\u5a01\u80c1\uff0c\u540c\u65f6\u4fdd\u6301\u9075\u5b88\u76d1\u7ba1\u8981\u6c42\uff0c\u5305\u62ec\u5728\u5fc5\u8981\u65f6\u63d0\u4ea4\u53ef\u7591\u6d3b\u52a8\u62a5\u544a (SARs)\u3002.<\/p>\n\n\n\n

        \u76d1\u7ba1\u5408\u89c4\u901a\u8fc7\u9075\u5b88\u5168\u7403\u548c\u56fd\u5bb6\u6807\u51c6\u5f97\u5230\u52a0\u5f3a\uff0c\u5305\u62ec\u7f8e\u56fd\u7684\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\u548c\u6b27\u76df\u7684\u300a\u53cd\u6d17\u94b1\u6307\u4ee4\u300b\u3002\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\uff08FATF\uff09\u63d0\u4f9b\u4e86\u56fd\u9645\u516c\u8ba4\u7684\u53cd\u6d17\u94b1\u548c\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d\uff08KYC\uff09\u6cd5\u89c4\u6307\u5357\uff0c\u88ab\u4e16\u754c\u5404\u56fd\u91c7\u7528\uff0c\u4ee5\u786e\u4fdd\u6253\u51fb\u8de8\u4e3b\u6743\u8fb9\u754c\u7684\u91d1\u878d\u72af\u7f6a\u7684\u65b9\u6cd5\u5f97\u5230\u4e00\u81f4\u548c\u6709\u6548\u3002.<\/p>\n\n\n\n

        \u81ea\u52a8\u5316\u8eab\u4efd\u9a8c\u8bc1\u89e3\u51b3\u65b9\u6848\u548c\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u6280\u672f\uff08\u5305\u62ec\u9762\u90e8\u8bc6\u522b\u548c\u89c6\u9891KYC\uff09\u7684\u91c7\u7528\uff0c\u663e\u8457\u63d0\u9ad8\u4e86\u9a8c\u8bc1\u6d41\u7a0b\u7684\u6548\u7387\u548c\u51c6\u786e\u6027\u3002\u8fd9\u4e9b\u53ef\u9760\u7684\u5de5\u5177\u5e2e\u52a9\u91d1\u878d\u673a\u6784\u8fdc\u7a0b\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\uff0c\u51cf\u5c11\u4eba\u4e3a\u9519\u8bef\uff0c\u5e76\u4f18\u5316\u98ce\u9669\u8bc4\u4f30\u7684\u6709\u6548\u6027\u3002\u81ea\u52a8\u5316\u89e3\u51b3\u65b9\u6848\u8fd8\u652f\u6301\u6301\u7eed\u76d1\u63a7\uff0c\u540c\u65f6\u80fd\u591f\u5b9e\u65f6\u68c0\u6d4b\u53ef\u7591\u6d3b\u52a8\uff0c\u8fdb\u4e00\u6b65\u52a0\u5f3a\u673a\u6784\u4fdd\u62a4\u7ec4\u7ec7\u53ca\u5176\u5ba2\u6237\u7684\u80fd\u529b\u3002.<\/p>\n\n\n\n

        \u516c\u53f8 KYC\uff08KYB\uff09\u540c\u6837\u81f3\u5173\u91cd\u8981\uff0c\u8981\u6c42\u91d1\u878d\u673a\u6784\u5728\u4e25\u683c\u7684\u76d1\u7ba1\u76d1\u7763\u4e0b\u6838\u5b9e\u4f01\u4e1a\u5b9e\u4f53\u3001\u53d7\u76ca\u6240\u6709\u4eba\u53ca\u76f8\u5173\u65b9\u7684\u8eab\u4efd\u3002\u6b64\u8fc7\u7a0b\u6d89\u53ca\u5bf9\u5546\u4e1a\u6ce8\u518c\u6587\u4ef6\u8fdb\u884c\u5c3d\u804c\u8c03\u67e5\uff0c, \u76d1\u63a7\u4ea4\u6613<\/a>, \u5e76\u786e\u4fdd\u6240\u6709\u6743\u7ed3\u6784\u7684\u900f\u660e\u5ea6\uff0c\u4ee5\u9632\u6b62\u5728\u53d7\u76d1\u7ba1\u7684\u73af\u5883\u4e2d\u6ee5\u7528\u516c\u53f8\u5b9e\u4f53\u8fdb\u884c\u6d17\u94b1\u6216\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u3002.<\/p>\n\n\n\n

        \u901a\u8fc7\u5c06\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u3001\u589e\u5f3a\u5c3d\u804c\u8c03\u67e5\u3001\u6301\u7eed\u76d1\u63a7\u4ee5\u53ca\u5148\u8fdb\u7684\u6570\u5b57\u9a8c\u8bc1\u65b9\u6cd5\u6574\u5408\u5230\u5176 KYC \u7a0b\u5e8f\u4e2d\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u5728\u6ee1\u8db3\u76d1\u7ba1\u4e49\u52a1\u7684\u540c\u65f6\uff0c\u964d\u4f4e\u91d1\u878d\u72af\u7f6a\u98ce\u9669\u5e76\u7ef4\u62a4\u5ba2\u6237\u4fe1\u4efb\u3002\u5f3a\u5927\u7684 KYC \u6846\u67b6\u4e0d\u4ec5\u80fd\u4fdd\u62a4\u5355\u4e2a\u7ec4\u7ec7\uff0c\u8fd8\u80fd\u901a\u8fc7\u9002\u5f53\u7684\u4e3b\u6743\u76d1\u7763\u548c\u76d1\u7ba1\u5408\u89c4\uff0c\u4e3a\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u7684\u6574\u4f53\u5b89\u5168\u548c\u7a33\u5b9a\u505a\u51fa\u8d21\u732e\u3002.<\/p>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u548c\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5<\/h3>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u5728\u91d1\u878d\u673a\u6784\u4e2d\u7684\u4f5c\u7528<\/h4>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u662f\u53d7\u76d1\u7ba1\u91d1\u878d\u673a\u6784\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d(KYC)\u6846\u67b6\u7684\u57fa\u672c\u652f\u67f1\u3002\u5b83\u4f7f\u7ec4\u7ec7\u80fd\u591f\u901a\u8fc7\u9762\u90e8\u8bc6\u522b\u3001\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u548c\u81ea\u52a8\u5316KYC\u89e3\u51b3\u65b9\u6848\u7b49\u5148\u8fdb\u6280\u672f\u8fdc\u7a0b\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u3002\u8fd9\u79cd\u80fd\u529b\u5bf9\u4e8e\u5efa\u7acb\u4fe1\u4efb\u5173\u7cfb\u3001\u786e\u4fdd\u5408\u89c4\u6027\u4ee5\u53ca\u4fdd\u62a4\u91d1\u878d\u673a\u6784\u514d\u53d7\u91d1\u878d\u72af\u7f6a\uff08\u5982\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u548c\u8eab\u4efd\u76d7\u7a83\uff09\u7684\u4fb5\u5bb3\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u8fc7\u7a0b\u59cb\u4e8e\u5f3a\u5927\u7684\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\uff0c\u5728\u6b64\u8fc7\u7a0b\u4e2d\uff0c\u62a4\u7167\u3001\u56fd\u6c11\u8eab\u4efd\u8bc1\u548c\u9a7e\u9a76\u6267\u7167\u7b49\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\u5c06\u63a5\u53d7\u4e25\u683c\u7684\u8eab\u4efd\u9a8c\u8bc1\u3002\u9762\u90e8\u8bc6\u522b\u6280\u672f\u968f\u540e\u5c06\u5ba2\u6237\u7684\u4f53\u8c8c\u7279\u5f81\u4e0e\u5176\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\u4e0a\u7684\u56fe\u50cf\u8fdb\u884c\u5339\u914d\uff0c\u540c\u65f6\u901a\u8fc7\u6c34\u7535\u8d39\u8d26\u5355\u6216\u94f6\u884c\u5bf9\u8d26\u5355\u7b49\u652f\u6301\u6027\u6587\u4ef6\u8fdb\u884c\u5730\u5740\u9a8c\u8bc1\u3002\u8fd9\u4e9b\u7a0b\u5e8f\u6784\u6210\u4e86\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CDD\uff09\u7684\u57fa\u77f3\uff0c\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u5728\u4fdd\u6301\u5bf9\u9a8c\u8bc1\u6d41\u7a0b\u7684\u5b8c\u5168\u63a7\u5236\u7684\u540c\u65f6\uff0c\u7cbe\u786e\u6709\u6548\u5730\u9a8c\u8bc1\u8eab\u4efd\u3002.<\/p>\n\n\n\n

        \u76d1\u7ba1\u5408\u89c4\u63a8\u52a8\u4e86\u53d7\u76d1\u7ba1\u673a\u6784\u5bf9\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u7684\u6218\u7565\u6027\u91c7\u7528\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u9075\u5b88\u4e25\u683c\u7684\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d(KYC)\u6cd5\u89c4\u3001\u201c\u53cd\u6d17\u94b1\u201d(AML)\u6307\u4ee4\u548c\u201c\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212\u201d(CIP)\u7684\u8981\u6c42\u3002\u8fd9\u4e9b\u6846\u67b6\u8981\u6c42\u8fdb\u884c\u5168\u9762\u7684\u5c3d\u804c\u8c03\u67e5\u6d41\u7a0b\uff0c\u5305\u62ec\u5bf9\u9ad8\u98ce\u9669\u5ba2\u6237\u548c\u653f\u6cbb\u516c\u4f17\u4eba\u7269(PEP)\u8fdb\u884c\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5(EDD)\u3002\u901a\u8fc7\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\uff0c\u673a\u6784\u53ef\u4ee5\u5c65\u884c\u5176\u62a5\u544a\u4e49\u52a1\uff0c\u6301\u7eed\u76d1\u63a7\u5ba2\u6237\u98ce\u9669\u72b6\u51b5\uff0c\u5e76\u5b9e\u65f6\u68c0\u6d4b\u53ef\u7591\u6d3b\u52a8\uff0c\u540c\u65f6\u4fdd\u6301\u5bf9\u5176\u5408\u89c4\u57fa\u7840\u8bbe\u65bd\u7684\u4e3b\u6743\u3002.<\/p>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u7684\u4f18\u52bf\u8fdc\u8fdc\u8d85\u51fa\u4e86\u6cd5\u89c4\u9075\u4ece\u6027\u3002\u5b83\u4f18\u5316\u4e86\u5165\u804c\u6d41\u7a0b\uff0c\u53ef\u5927\u5e45\u964d\u4f4e\u91d1\u878d\u6b3a\u8bc8\u548c\u8eab\u4efd\u76d7\u7a83\u7684\u98ce\u9669\uff0c\u5e76\u5728\u4fdd\u6301\u673a\u6784\u63a7\u5236\u7684\u540c\u65f6\u63d0\u5347\u5ba2\u6237\u4f53\u9a8c\u3002\u81ea\u52a8\u5316\u7684 KYC \u89e3\u51b3\u65b9\u6848\u53ef\u5b9e\u73b0\u6301\u7eed\u76d1\u63a7\u548c\u6301\u7eed\u5408\u89c4\uff0c\u786e\u4fdd\u5ba2\u6237\u4fe1\u606f\u4fdd\u6301\u6700\u65b0\u72b6\u6001\u5e76\u53ca\u65f6\u8bc6\u522b\u98ce\u9669\u56e0\u7d20\u53d8\u5316\u3002\u8fd9\u79cd\u4e3b\u52a8\u7684\u98ce\u9669\u7ba1\u7406\u65b9\u6cd5\u53ef\u5728\u4fdd\u62a4\u91d1\u878d\u673a\u6784\u548c\u66f4\u5e7f\u6cdb\u7684\u91d1\u878d\u4f53\u7cfb\u514d\u53d7\u975e\u6cd5\u91d1\u878d\u6d3b\u52a8\u4fb5\u5bb3\u7684\u540c\u65f6\uff0c\u7ef4\u62a4\u8fd0\u8425\u4e3b\u6743\u3002.<\/p>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u652f\u6301\u7cbe\u5bc6\u7684\u57fa\u4e8e\u98ce\u9669\u7684\u5c3d\u804c\u8c03\u67e5\u65b9\u6cd5\uff0c\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u6839\u636e\u5ba2\u6237\u7684\u4e1a\u52a1\u6982\u51b5\u3001\u4ea4\u6613\u8bb0\u5f55\u548c\u98ce\u9669\u8bc4\u4f30\u6765\u5b9a\u5236\u7a0b\u5e8f\u3002\u5b83\u6709\u52a9\u4e8e\u8bc6\u522b\u53d7\u76ca\u6240\u6709\u4eba\u53ca\u6cd5\u4eba\u5b9e\u4f53\uff0c\u786e\u4fdd\u91d1\u878d\u4ea4\u6613\u7684\u900f\u660e\u5ea6\u548c\u95ee\u8d23\u5236\uff0c\u540c\u65f6\u4fdd\u6301\u673a\u6784\u5bf9\u654f\u611f\u6570\u636e\u548c\u6d41\u7a0b\u7684\u63a7\u5236\u3002.<\/p>\n\n\n\n

        \u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u662f\u5f53\u4ee3\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d\uff08KYC\uff09\u6d41\u7a0b\u7684\u57fa\u77f3\uff0c\u5b83\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u3001\u9075\u5b88\u5168\u7403\u6cd5\u89c4\u3001\u6253\u51fb\u91d1\u878d\u72af\u7f6a\uff0c\u540c\u65f6\u7ef4\u62a4\u8fd0\u8425\u4e3b\u6743\u3002\u901a\u8fc7\u5c06\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u6574\u5408\u5230\u5ba2\u6237\u6d41\u7a0b\u4e2d\uff0c\u91d1\u878d\u673a\u6784\u80fd\u591f\u52a0\u5f3a\u5ba2\u6237\u5173\u7cfb\u3001\u4fdd\u62a4\u8fd0\u8425\u5b89\u5168\uff0c\u5e76\u5728\u6570\u636e\u4e3b\u6743\u548c\u673a\u6784\u63a7\u5236\u81f3\u5173\u91cd\u8981\u7684\u65e5\u76ca\u6570\u5b57\u5316\u7684\u91d1\u878d\u884c\u4e1a\u4e2d\u4fdd\u6301\u5f3a\u5927\u7684\u5408\u89c4\u80fd\u529b\u3002.<\/p>\n\n\n\n

        \u901a\u8fc7\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212\uff08CIP\uff09\u52a0\u5f3a\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b<\/h4>\n\n\n\n

        \u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u8ba1\u5212 (CIP) \u662f KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u6d41\u7a0b\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u5b83\u89c4\u5b9a\u4e86\u5728\u5ba2\u6237\u5165\u804c\u8fc7\u7a0b\u4e2d\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u7684\u5f3a\u5236\u6027\u6b65\u9aa4\u3002CIP \u8981\u6c42\u91d1\u878d\u673a\u6784\u6536\u96c6\u7279\u5b9a\u7684 KYC \u6587\u4ef6\uff0c\u4f8b\u5982\u653f\u5e9c\u9881\u53d1\u7684\u8eab\u4efd\u8bc1\u3001\u62a4\u7167\u548c\u5730\u5740\u8bc1\u660e\uff0c\u4ee5\u786e\u8ba4\u5ba2\u6237\u8eab\u4efd\u7684\u771f\u5b9e\u6027\u3002\u8be5\u8ba1\u5212\u4e3a\u6709\u6548\u7684 KYC \u5408\u89c4\u5960\u5b9a\u4e86\u57fa\u7840\uff0c\u6709\u52a9\u4e8e\u673a\u6784\u6ee1\u8db3\u5168\u7403\u53cd\u6d17\u94b1\u6cd5\u89c4\u548c\u5408\u89c4\u6cd5\u89c4\u7684\u8981\u6c42\u3002.<\/p>\n\n\n\n

        CIP\u7a0b\u5e8f\u8fd8\u6d89\u53ca\u6839\u636e\u6267\u6cd5\u673a\u6784\u548c\u56fd\u9645\u7ec4\u7ec7\u7ef4\u62a4\u7684\u540d\u5355\u7b5b\u67e5\u5ba2\u6237\uff0c\u4ee5\u8bc6\u522b\u653f\u6cbb\u654f\u611f\u4eba\u58eb\u548c\u4e0e\u53ef\u7591\u6d3b\u52a8\u6709\u5173\u8054\u7684\u4e2a\u4eba\u3002\u8fd9\u79cd\u7b5b\u67e5\u5bf9\u4e8e\u9632\u6b62\u91d1\u878d\u72af\u7f6a\u548c\u7ef4\u62a4\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\u81f3\u5173\u91cd\u8981\u3002\u901a\u8fc7\u5c06CIP\u7eb3\u5165\u66f4\u5e7f\u6cdb\u7684KYC\u6846\u67b6\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u786e\u4fdd\u5bf9\u5ba2\u6237\u8fdb\u884c\u5f7b\u5e95\u548c\u57fa\u4e8e\u98ce\u9669\u7684\u9a8c\u8bc1\uff0c\u4ece\u800c\u5728\u9075\u5b88\u76d1\u7ba1\u6807\u51c6\u7684\u540c\u65f6\u7b80\u5316\u5165\u804c\u6d41\u7a0b\u3002.<\/p>\n\n\n\n

        \u6301\u7eed\u76d1\u6d4b\u548c\u62a5\u544a\u7684\u91cd\u8981\u6027<\/h4>\n\n\n\n

        KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\u5e76\u975e\u4e00\u6b21\u6027\u6d41\u7a0b\uff0c\u800c\u662f\u4e00\u4e2a\u6301\u7eed\u7684\u52aa\u529b\uff0c\u6d89\u53ca\u5bf9\u5ba2\u6237\u4ea4\u6613\u548c\u884c\u4e3a\u7684\u6301\u7eed\u76d1\u63a7\u3002\u91d1\u878d\u673a\u6784\u91c7\u7528\u5148\u8fdb\u7684\u5de5\u5177\u6765\u8ddf\u8e2a\u4ea4\u6613\u6a21\u5f0f\u5e76\u6807\u8bb0\u53ef\u80fd\u8868\u660e\u53ef\u7591\u6d3b\u52a8\u7684\u5f02\u5e38\u60c5\u51b5\u3002\u5f53\u68c0\u6d4b\u5230\u6b64\u7c7b\u6d3b\u52a8\u65f6\uff0c\u673a\u6784\u6709\u4e49\u52a1\u5411\u76f8\u5173\u90e8\u95e8\u63d0\u4ea4\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\uff08SAR\uff09\uff0c\u4ee5\u4fbf\u6267\u6cd5\u673a\u6784\u53ca\u65f6\u5e72\u9884\u3002.<\/p>\n\n\n\n

        \u6301\u7eed\u76d1\u63a7\u8fd8\u5305\u62ec\u5b9a\u671f\u5ba1\u67e5\u5ba2\u6237\u98ce\u9669\u753b\u50cf\uff0c\u7279\u522b\u662f\u9488\u5bf9\u9ad8\u98ce\u9669\u5ba2\u6237\u548c\u9700\u8981\u63a5\u53d7\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\u7684\u5ba2\u6237\u3002\u8fd9\u79cd\u52a8\u6001\u65b9\u6cd5\u786e\u4fdd\u4e86 KYC \u6d41\u7a0b\u80fd\u591f\u9002\u5e94\u5ba2\u6237\u60c5\u51b5\u7684\u53d8\u5316\u548c\u4e0d\u65ad\u53d8\u5316\u7684\u76d1\u7ba1\u8981\u6c42\uff0c\u4ece\u800c\u4fdd\u62a4\u91d1\u878d\u673a\u6784\u548c\u66f4\u5e7f\u6cdb\u7684\u91d1\u878d\u751f\u6001\u7cfb\u7edf\u514d\u53d7\u65b0\u5174\u5a01\u80c1\u3002.<\/p>\n\n\n\n

        \u901a\u8fc7\u5c06\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u3001\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08CIP\uff09\u3001\u6301\u7eed\u76d1\u63a7\u548c\u62a5\u544a\u4e49\u52a1\u6574\u5408\u5230\u4e00\u4e2a\u7edf\u4e00\u7684 KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u7b56\u7565\u4e2d\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u5b9e\u73b0\u5168\u9762\u7684\u5408\u89c4\uff0c\u51cf\u8f7b\u4e0e\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u76f8\u5173\u7684\u98ce\u9669\uff0c\u5e76\u589e\u5f3a\u91d1\u878d\u4e1a\u7684\u4fe1\u4efb\u3002.<\/p>\n\n\n\n

        \u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u548c\u5b89\u5168\u8eab\u4efd\u8ba4\u8bc1<\/h3>\n\n\n\n

        \u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u5df2\u6210\u4e3a\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d(KYC)\u6d41\u7a0b\u4e2d\u5b89\u5168\u8eab\u4efd\u9a8c\u8bc1\u7684\u57fa\u77f3\uff0c\u4e3a\u91d1\u878d\u673a\u6784\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5f3a\u5927\u7684\u5de5\u5177\uff0c\u4ee5\u52a0\u5f3a\u5b89\u5168\u548c\u6cd5\u89c4\u9075\u4ece\u6027\u3002\u901a\u8fc7\u5229\u7528\u72ec\u7279\u7684\u751f\u7406\u7279\u5f81\uff0c\u5982\u9762\u90e8\u8bc6\u522b\u3001\u6307\u7eb9\u626b\u63cf\u6216\u8bed\u97f3\u8bc6\u522b\uff0c\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u4f7f\u7ec4\u7ec7\u80fd\u591f\u4ee5\u6781\u9ad8\u7684\u51c6\u786e\u6027\u548c\u53ef\u9760\u6027\u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u3002.<\/p>\n\n\n\n

        \u5bf9\u4e8e\u91d1\u878d\u673a\u6784\u800c\u8a00\uff0c\u91c7\u7528\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u5bf9\u4e8e\u52a0\u5f3a\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5 (CDD) \u548c\u652f\u6301\u5bf9\u9ad8\u98ce\u9669\u5ba2\u6237\u53ca\u653f\u6cbb\u516c\u4f17\u4eba\u7269 (PEP) \u8fdb\u884c\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5 (EDD) \u81f3\u5173\u91cd\u8981\u3002\u8fd9\u4e9b\u5148\u8fdb\u7684\u65b9\u6cd5\u901a\u8fc7\u786e\u4fdd\u53ea\u6709\u5408\u6cd5\u4e2a\u4eba\u624d\u80fd\u83b7\u5f97\u91d1\u878d\u670d\u52a1\uff0c\u6709\u52a9\u4e8e\u964d\u4f4e\u4e0e\u6d17\u94b1\u3001\u6050\u6016\u878d\u8d44\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u76f8\u5173\u7684\u98ce\u9669\u3002\u751f\u7269\u8bc6\u522b\u6570\u636e\u7684\u5229\u7528\u4f7f\u5f97\u6b3a\u8bc8\u8005\u5192\u5145\u5ba2\u6237\u6216\u8eab\u4efd\u76d7\u7a83\u7684\u884c\u4e3a\u66f4\u52a0\u56f0\u96be\uff0c\u4ece\u800c\u4fdd\u62a4\u673a\u6784\u53ca\u5176\u5ba2\u6237\u514d\u53d7\u91d1\u878d\u6b3a\u8bc8\u548c\u58f0\u8a89\u635f\u5bb3\u3002.<\/p>\n\n\n\n

        \u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u4e0e\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u6280\u672f\u65e0\u7f1d\u96c6\u6210\uff0c\u5f62\u6210\u4e86\u4e00\u4e2a\u5168\u9762\u7684 KYC \u9a8c\u8bc1\u65b9\u6cd5\u3002\u81ea\u52a8\u5316\u7684 KYC \u89e3\u51b3\u65b9\u6848\u5c06\u751f\u7269\u8bc6\u522b\u68c0\u67e5\u4e0e\u6587\u4ef6\u8eab\u4efd\u9a8c\u8bc1\u3001\u5730\u5740\u9a8c\u8bc1\u548c\u5b9e\u65f6\u98ce\u9669\u8bc4\u4f30\u76f8\u7ed3\u5408\uff0c\u4ece\u800c\u7b80\u5316\u4e86\u5165\u804c\u6d41\u7a0b\uff0c\u540c\u65f6\u4e25\u683c\u9075\u5b88\u76d1\u7ba1\u8981\u6c42\u3002\u8fd9\u79cd\u96c6\u6210 \u652f\u6301\u5ba2\u6237<\/a> \u8eab\u4efd\u8bc6\u522b\u8ba1\u5212\uff08CIP\uff09\uff0c\u786e\u4fdd\u6240\u6709\u5fc5\u8981\u7684\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff08KYC\uff09\u6587\u4ef6\u548c\u8eab\u4efd\u4fe1\u606f\u5f97\u4ee5\u9ad8\u6548\u5730\u6536\u96c6\u548c\u6838\u5b9e\u3002.<\/p>\n\n\n\n

        \u6301\u7eed\u76d1\u63a7\u662f\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u5728 KYC \u6846\u67b6\u5185\u7684\u53e6\u4e00\u4e2a\u5173\u952e\u4f18\u52bf\u3002\u901a\u8fc7\u5b9e\u73b0\u5ba2\u6237\u5173\u7cfb\u7684\u6301\u7eed\u8eab\u4efd\u9a8c\u8bc1\u548c\u76d1\u63a7\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u5feb\u901f\u68c0\u6d4b\u5ba2\u6237\u98ce\u9669\u72b6\u51b5\u7684\u53d8\u5316\u6216\u53ef\u7591\u6d3b\u52a8\u3002\u8fd9\u79cd\u4e3b\u52a8\u7684\u65b9\u6cd5\u5bf9\u4e8e\u6301\u7eed\u9075\u5b88\u53cd\u6d17\u94b1\uff08AML\uff09\u6cd5\u89c4\u3001\u94f6\u884c\u4fdd\u5bc6\u6cd5\u4ee5\u53ca\u6b27\u76df\u7684\u53cd\u6d17\u94b1\u6307\u4ee4\u81f3\u5173\u91cd\u8981\u3002\u5b83\u8fd8\u786e\u4fdd\u5728\u53d1\u751f\u53ef\u7591\u6d3b\u52a8\u65f6\uff0c\u673a\u6784\u80fd\u591f\u5c65\u884c\u5411\u6267\u6cd5\u673a\u6784\u548c\u76d1\u7ba1\u673a\u6784\u62a5\u544a\u7684\u4e49\u52a1\u3002.<\/p>\n\n\n\n

        \u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u7684\u5b9e\u65bd\u4e5f\u652f\u6301\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u8fdb\u884c\u5c3d\u804c\u8c03\u67e5\uff0c\u5141\u8bb8\u91d1\u878d\u673a\u6784\u6839\u636e\u6bcf\u4e2a\u5ba2\u6237\u7684\u98ce\u9669\u72b6\u51b5\u5b9a\u5236\u5176\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d\uff08KYC\uff09\u6d41\u7a0b\u3002\u4f8b\u5982\uff0c\u9ad8\u98ce\u9669\u5ba2\u6237\u6216\u4e1a\u52a1\u5173\u7cfb\u590d\u6742\u7684\u5ba2\u6237\uff0c\u53ef\u80fd\u9700\u8981\u66f4\u9891\u7e41\u6216\u66f4\u4e25\u683c\u7684\u751f\u7269\u8bc6\u522b\u68c0\u67e5\uff0c\u4f5c\u4e3a\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\uff08EDD\uff09\u7684\u4e00\u90e8\u5206\u3002\u8fd9\u79cd\u6709\u9488\u5bf9\u6027\u7684\u65b9\u6cd5\u4e0d\u4ec5\u6539\u5584\u4e86\u98ce\u9669\u7ba1\u7406\uff0c\u8fd8\u901a\u8fc7\u5c06\u8d44\u6e90\u96c6\u4e2d\u5728\u6700\u6709\u4ef7\u503c\u7684\u5730\u65b9\u6765\u4f18\u5316\u8fd0\u8425\u6548\u7387\u3002.<\/p>\n\n\n\n

        \u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u548c\u5b89\u5168\u8eab\u4efd\u8ba4\u8bc1\u662f\u73b0\u4ee3 KYC \u6846\u67b6\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002\u5b83\u4eec\u4e3a\u91d1\u878d\u673a\u6784\u63d0\u4f9b\u4e86\u5f3a\u5927\u7684\u5de5\u5177\uff0c\u7528\u4e8e\u9a8c\u8bc1\u8eab\u4efd\u3001\u6253\u51fb\u91d1\u878d\u72af\u7f6a\u4ee5\u53ca\u5728\u5ba2\u6237\u6574\u4e2a\u751f\u547d\u5468\u671f\u5185\u786e\u4fdd\u5408\u89c4\u3002\u901a\u8fc7\u5c06\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u4e0e\u6570\u5b57\u8eab\u4efd\u96c6\u6210 \u9a8c\u8bc1\u548c\u81ea\u52a8 KYC<\/a> \u89e3\u51b3\u65b9\u6848\uff0c\u7ec4\u7ec7\u53ef\u4ee5\u4fdd\u62a4\u81ea\u5df1\u53ca\u5176\u5ba2\u6237\uff0c\u7ef4\u62a4\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\uff0c\u5e76\u5728\u65e5\u76ca\u6570\u5b57\u5316\u7684\u91d1\u878d\u9886\u57df\u57f9\u517b\u503c\u5f97\u4fe1\u8d56\u7684\u3001\u5408\u89c4\u7684\u5ba2\u6237\u5173\u7cfb\u3002.<\/p>\n\n\n\n

        \u4f01\u4e1a\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff08KYB\uff09<\/h3>\n\n\n\n

        \u4f01\u4e1a\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff0c\u901a\u5e38\u79f0\u4e3a \u4e86\u89e3\u60a8\u7684\u4f01\u4e1a\uff08KYB<\/a>), \u5c06 KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u539f\u5219\u6269\u5c55\u5230\u5bf9\u4f01\u4e1a\u5b9e\u4f53\u53ca\u5176\u76f8\u5173\u4e2a\u4eba\u7684\u9a8c\u8bc1\u3002\u5bf9\u4e8e\u53d7\u76d1\u7ba1\u7684\u91d1\u878d\u673a\u6784\u800c\u8a00\uff0cKYB\uff08\u4e86\u89e3\u4f60\u7684\u4f01\u4e1a\uff09\u5bf9\u4e8e\u51cf\u8f7b\u53ef\u80fd\u7531\u590d\u6742\u7684\u5546\u4e1a\u7ed3\u6784\u548c\u4e0d\u900f\u660e\u7684\u6240\u6709\u6743\u5b89\u6392\u5f15\u8d77\u7684\u6d17\u94b1\u3001\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\u7684\u98ce\u9669\u81f3\u5173\u91cd\u8981\u3002\u8fd9\u4e00\u5f3a\u5927\u7684\u6846\u67b6\u786e\u4fdd\u7ec4\u7ec7\u5728\u9632\u6b62\u76d1\u7ba1\u98ce\u9669\u7684\u540c\u65f6\uff0c\u80fd\u591f\u5bf9\u5176\u5408\u89c4\u6d41\u7a0b\u4fdd\u6301\u4e3b\u6743\u63a7\u5236\u3002.<\/p>\n\n\n\n

        KYB\uff08\u4e86\u89e3\u4f60\u7684\u4f01\u4e1a\uff09\u6d41\u7a0b\u6d89\u53ca\u901a\u8fc7\u5ba1\u67e5\u516c\u53f8\u6ce8\u518c\u6587\u4ef6\u3001\u786e\u8ba4\u4f01\u4e1a\u5b9e\u9645\u5730\u5740\u4ee5\u53ca\u8bc6\u522b\u6700\u7ec8\u53d7\u76ca\u4eba\uff08UBO\uff09\u6765\u9a8c\u8bc1\u4f01\u4e1a\u5b9e\u4f53\u7684\u5408\u6cd5\u6027\u3002\u8fd9\u79cd\u5168\u9762\u7684\u5c3d\u804c\u8c03\u67e5\u786e\u4fdd\u91d1\u878d\u673a\u6784\u51c6\u786e\u4e86\u89e3\u8c01\u63a7\u5236\u7740\u4f01\u4e1a\u4ee5\u53ca\u4ece\u4f01\u4e1a\u4e2d\u83b7\u76ca\uff0c\u4ece\u800c\u964d\u4f4e\u4e86\u65e0\u610f\u4e2d\u52a9\u957f\u975e\u6cd5\u91d1\u878d\u6d3b\u52a8\u7684\u98ce\u9669\u3002\u5c06\u4f01\u4e1a\u5ba2\u6237\u4e0e\u56fd\u9645\u9ed1\u540d\u5355\u548c\u7070\u540d\u5355\u8fdb\u884c\u6bd4\u5bf9\u4e5f\u662f\u8bc6\u522b\u4e0e\u72af\u7f6a\u6d3b\u52a8\u6216\u53d7\u5236\u88c1\u4e2a\u4eba\u76f8\u5173\u7684\u5173\u952e\u6b65\u9aa4\uff0c\u4f7f\u7ec4\u7ec7\u80fd\u591f\u4f18\u5148\u8003\u8651\u5408\u89c4\u6027\u5e76\u7ef4\u62a4\u503c\u5f97\u4fe1\u8d56\u7684\u5ba2\u6237\u5173\u7cfb\u3002.<\/p>\n\n\n\n

        \u6301\u7eed\u76d1\u63a7\u662f\u4f01\u4e1a KYC \u7684\u57fa\u672c\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u4e3a\u4e1a\u52a1\u5173\u7cfb\u548c\u6240\u6709\u6743\u7ed3\u6784\u4f1a\u968f\u7740\u65f6\u95f4\u800c\u53d8\u5316\u3002\u91d1\u878d\u673a\u6784\u5fc5\u987b\u6301\u7eed\u8bc4\u4f30\u5176\u4f01\u4e1a\u5ba2\u6237\u7684\u98ce\u9669\u72b6\u51b5\uff0c\u76d1\u63a7\u53ef\u7591\u6d3b\u52a8\uff0c\u5e76\u5728\u5fc5\u8981\u65f6\u66f4\u65b0\u8bb0\u5f55\u4ee5\u4fdd\u6301\u5408\u89c4\u8fd0\u8425\u3002\u901a\u8fc7\u8fdb\u884c\u5f7b\u5e95\u7684\u5c3d\u804c\u8c03\u67e5\u548c\u4fdd\u6301\u8b66\u60d5\u7684\u76d1\u7763\uff0c\u7ec4\u7ec7\u53ef\u4ee5\u68c0\u6d4b\u548c\u62a5\u544a\u53ef\u7591\u6d3b\u52a8\uff0c\u4fdd\u62a4\u81ea\u5df1\u514d\u53d7\u76d1\u7ba1\u5904\u7f5a\uff0c\u5e76\u7ef4\u62a4\u91d1\u878d\u4f53\u7cfb\u7684\u5b8c\u6574\u6027\uff0c\u540c\u65f6\u5b8c\u5168\u63a7\u5236\u5176\u5408\u89c4\u57fa\u7840\u8bbe\u65bd\u3002.<\/p>\n\n\n\n

        KYC\u6280\u672f\u4e0e\u81ea\u52a8\u5316<\/h3>\n\n\n\n

        \u5148\u8fdb\u7684 KYC \u6280\u672f\u548c\u81ea\u52a8\u5316\u7684\u91c7\u7528\uff0c\u5df2\u7ecf\u6539\u53d8\u4e86\u53d7\u76d1\u7ba1\u7684\u91d1\u878d\u673a\u6784\u8fdb\u884c\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\u548c\u9a8c\u8bc1\u7684\u65b9\u5f0f\u3002\u81ea\u52a8\u5316\u7684 KYC \u89e3\u51b3\u65b9\u6848\u5229\u7528\u4eba\u5de5\u667a\u80fd\u3001\u673a\u5668\u5b66\u4e60\u548c\u751f\u7269\u7279\u5f81\u8bc6\u522b\u6280\u672f\uff0c\u4f18\u5316\u4e86\u8eab\u4efd\u9a8c\u8bc1\u6d41\u7a0b\uff0c\u4f7f\u5176\u66f4\u5feb\u3001\u66f4\u5b89\u5168\u3001\u66f4\u4e0d\u5bb9\u6613\u51fa\u9519\uff0c\u540c\u65f6\u4fdd\u6301\u4e86\u76d1\u7ba1\u5408\u89c4\u6027\u3002.<\/p>\n\n\n\n

        \u8fd9\u4e9b\u6280\u672f\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u4ece\u8eab\u4efd\u6587\u4ef6\u4e2d\u63d0\u53d6\u548c\u5206\u6790\u6570\u636e\uff0c\u5c06\u8eab\u4efd\u4fe1\u606f\u4e0e\u653f\u5e9c\u6570\u636e\u5e93\u8fdb\u884c\u6bd4\u5bf9\u4ee5\u9a8c\u8bc1\u8eab\u4efd\uff0c\u5e76\u6267\u884c\u9762\u90e8\u8bc6\u522b\u548c\u6d3b\u4f53\u68c0\u6d4b\uff0c\u4ee5\u9632\u6b62\u6b3a\u8bc8\u548c\u8eab\u4efd\u76d7\u7a83\u3002\u81ea\u52a8\u5316\u7684 KYC \u89e3\u51b3\u65b9\u6848\u8fd8\u652f\u6301\u5bf9\u5ba2\u6237\u98ce\u9669\u72b6\u51b5\u8fdb\u884c\u6301\u7eed\u76d1\u63a7\uff0c\u4f7f\u673a\u6784\u80fd\u591f\u5b9e\u65f6\u68c0\u6d4b\u5e76\u5e94\u5bf9\u53ef\u7591\u6d3b\u52a8\u3002\u6b64\u529f\u80fd\u5bf9\u4e8e\u7ba1\u7406\u9ad8\u98ce\u9669\u5ba2\u6237\u548c\u786e\u4fdd\u6301\u7eed\u9075\u5b88\u76d1\u7ba1\u8981\u6c42\u5c24\u4e3a\u91cd\u8981\u3002.<\/p>\n\n\n\n

        \u901a\u8fc7\u81ea\u52a8\u5316 KYC \u6d41\u7a0b\u7684\u5e38\u89c4\u73af\u8282\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u964d\u4f4e\u8fd0\u8425\u6210\u672c\uff0c\u5e76\u5c06\u8d44\u6e90\u4f18\u5148\u7528\u4e8e\u9ad8\u98ce\u9669\u6848\u4ef6\u548c\u590d\u6742\u7684\u5c3d\u804c\u8c03\u67e5\u6d3b\u52a8\u3002\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\uff08\u5982\u9762\u90e8\u8bc6\u522b\u548c\u6307\u7eb9\u626b\u63cf\uff09\u7684\u96c6\u6210\uff0c\u8fdb\u4e00\u6b65\u589e\u5f3a\u4e86\u8eab\u4efd\u9a8c\u8bc1\u7684\u5b89\u5168\u6027\u548c\u51c6\u786e\u6027\u3002\u81ea\u52a8\u5316 KYC \u89e3\u51b3\u65b9\u6848\u4e0d\u4ec5\u63d0\u9ad8\u4e86\u5165\u804c\u548c\u5408\u89c4\u6d41\u7a0b\u7684\u6548\u7387\uff0c\u8fd8\u6709\u52a9\u4e8e\u673a\u6784\u5728\u4fdd\u6301\u5bf9\u9a8c\u8bc1\u5de5\u4f5c\u6d41\u7a0b\u63a7\u5236\u7684\u540c\u65f6\uff0c\u7ef4\u6301\u5f3a\u6709\u529b\u7684\u9632\u5fa1\u80fd\u529b\uff0c\u4ee5\u5e94\u5bf9\u91d1\u878d\u72af\u7f6a\u548c\u76d1\u7ba1\u8fdd\u89c4\u884c\u4e3a\u3002.<\/p>\n\n\n\n

        KYC\u6311\u6218\u4e0e\u89e3\u51b3\u65b9\u6848<\/h3>\n\n\n\n

        \u5c3d\u7ba1\u6280\u672f\u548c\u76d1\u7ba1\u53d6\u5f97\u4e86\u957f\u8db3\u7684\u8fdb\u6b65\uff0c\u91d1\u878d\u673a\u6784\u5728\u5b9e\u73b0\u6709\u6548\u7684 KYC \u5408\u89c4\u65b9\u9762\u4ecd\u7136\u9762\u4e34\u8bf8\u591a\u6311\u6218\u3002\u5408\u89c4\u7684\u590d\u6742\u6027\u548c\u6210\u672c\u3001\u6301\u7eed\u76d1\u63a7\u548c\u62a5\u544a\u7684\u9700\u6c42\uff0c\u4ee5\u53ca\u8eab\u4efd\u9a8c\u8bc1\u4e2d\u51fa\u73b0\u8bef\u62a5\u548c\u6f0f\u62a5\u7684\u98ce\u9669\uff0c\u90fd\u5bf9\u7ef4\u6301\u5bf9\u76d1\u7ba1\u6d41\u7a0b\u7684\u4e3b\u6743\u63a7\u5236\u6784\u6210\u4e86\u91cd\u5927\u969c\u788d\u3002.<\/p>\n\n\n\n

        \u4e3a\u5e94\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0c\u8bb8\u591a\u7ec4\u7ec7\u6b63\u8f6c\u5411\u81ea\u52a8\u5316 KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\u89e3\u51b3\u65b9\u6848\uff0c\u8fd9\u4e9b\u89e3\u51b3\u65b9\u6848\u5229\u7528\u4eba\u5de5\u667a\u80fd\u548c\u673a\u5668\u5b66\u4e60\u6765\u4f18\u5316\u8eab\u4efd\u9a8c\u8bc1\u548c\u5c3d\u804c\u8c03\u67e5\u6d41\u7a0b\u3002\u8fd9\u4e9b\u6280\u672f\u53ef\u4ee5\u5e2e\u52a9\u51cf\u5c11\u624b\u52a8\u9519\u8bef\uff0c\u63d0\u9ad8\u5ba2\u6237\u98ce\u9669\u8bc4\u4f30\u7684\u51c6\u786e\u6027\uff0c\u5e76\u80fd\u591f\u6301\u7eed\u76d1\u63a7\u53ef\u7591\u6d3b\u52a8\u3002\u901a\u8fc7\u91c7\u7528\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\uff0c\u91d1\u878d\u7ec4\u7ec7\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u4f18\u5148\u914d\u7f6e\u8d44\u6e90\uff0c\u4e13\u6ce8\u4e8e\u9700\u8981\u52a0\u5f3a\u5ba1\u67e5\u7684\u9ad8\u98ce\u9669\u5ba2\u6237\u548c\u4ea4\u6613\uff0c\u540c\u65f6\u4fdd\u6301\u5bf9\u5176\u5408\u89c4\u5de5\u4f5c\u6d41\u7a0b\u7684\u5b8c\u5168\u63a7\u5236\u3002.<\/p>\n\n\n\n

        \u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u65b9\u6cd5\uff0c\u5982\u9762\u90e8\u8bc6\u522b\u548c\u6307\u7eb9\u626b\u63cf\uff0c\u4e3a\u9632\u6b62\u8eab\u4efd\u76d7\u7a83\u548c\u6b3a\u9a97\u653b\u51fb\u63d0\u4f9b\u4e86\u989d\u5916\u7684\u4fdd\u62a4\uff0c\u8fdb\u4e00\u6b65\u52a0\u5f3a\u4e86\u5b89\u5168 KYC \u6d41\u7a0b\u7684\u5b8c\u6574\u6027\u3002\u57fa\u4e8e\u4e91\u7684 KYC \u5e73\u53f0\u8fd8\u53ef\u4ee5\u4f7f\u7ec4\u7ec7\u80fd\u591f\u7ef4\u62a4\u6700\u65b0\u7684\u8bb0\u5f55\uff0c\u4fc3\u8fdb\u5b9e\u65f6\u62a5\u544a\uff0c\u5e76\u964d\u4f4e\u5408\u89c4\u6027\u7684\u603b\u4f53\u6210\u672c\u548c\u590d\u6742\u6027\uff0c\u540c\u65f6\u786e\u4fdd\u6570\u636e\u4ecd\u5904\u4e8e\u4e3b\u6743\u63a7\u5236\u4e4b\u4e0b\u3002.<\/p>\n\n\n\n

        \u901a\u8fc7\u91c7\u7528\u8fd9\u4e9b\u503c\u5f97\u4fe1\u8d56\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u514b\u670d KYC \u5408\u89c4\u6311\u6218\uff0c\u9632\u6b62\u975e\u6cd5\u91d1\u878d\u6d3b\u52a8\uff0c\u5e76\u4fdd\u62a4\u91d1\u878d\u4f53\u7cfb\u3002\u5728\u6570\u636e\u4e3b\u6743\u548c\u7ec4\u7ec7\u63a7\u5236\u81f3\u5173\u91cd\u8981\u7684\u4e0d\u65ad\u6f14\u53d8\u7684\u76d1\u7ba1\u73af\u5883\u4e2d\uff0c\u6301\u7eed\u521b\u65b0\u548c\u91c7\u7528\u5148\u8fdb\u6280\u672f\u5bf9\u4e8e\u7ef4\u62a4\u6709\u6548\u3001\u5408\u89c4\u7684 KYC \u6846\u67b6\u81f3\u5173\u91cd\u8981\u3002.<\/p>","protected":false},"excerpt":{"rendered":"

        The KYC process comprises several essential steps that financial institutions and regulated organisations must follow to verify customer identities, assess risks, and ensure ongoing compliance with anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. These key processes include: By diligently following these key processes, financial institutions can effectively mitigate risks related to money laundering, terrorist […]<\/p>\n","protected":false},"author":1,"featured_media":49054,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[968,14],"class_list":["post-49355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-compliance","tag-kyc"],"yoast_head":"\nKey Processes in the KYC Process Explained<\/title>\n<meta name=\"description\" content=\"Explore the key processes in the KYC process to properly verify customer identities and ensure regulatory compliance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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