金融业反洗钱客户身份识别制度的主要原则与关键环节

Main Principle and Key Link of Clients Personal Identification on Financial Industry Anti-money Laundering

客户身份识别是反洗钱的一项核心工作。金融业反洗钱客户身份识别制度的主要原则:一是确认、验证客户及其受益人,了解客户交易的目的和性质原则;二是风险为本原则;三是报告可疑交易原则。在执行反洗钱客户身份识别制度的过程中,金融机构要落实好上述主要原则,就必须高度重视接受客户、持续识别客户和重点审查高风险客户三个关键环节。

Clients personal identification is the core job of anti-money laundering. The main principles in client personal identification system of anti-money laundering are including 3 principles as the followings. 1： Principle of clients and their beneficiary＇ s confirmation and verification, acknowledge the purposes and properties of the transaction. 2： Principle of oriented risk. 3： Principle of suspicious transaction reporting. During the execution process of client personal identification system of anti-money laundering, the financial institutions should carry out those principles well by paying highly attention on 3 key links including client acceptance, client identification continuously and high-risk clients in high spot viewing.