內地監管機關要求向境外匯款單筆逾5,000元人幣 須核實匯款人身份
人行、國家金監總局、中證監上日(4日)發布《金融機構客戶盡職調查和客戶身份資料及交易記錄保存管理辦法(徵求意見稿)》,進一步明確基於風險的客戶盡職調查具體要求,並向社會公開徵求意見。
近年來,監管部門發現金融機構在結合風險狀況採取與風險相匹配的客戶盡職調查措施方面存在不足。參考金融行動特別工作組(FATF)反洗錢國際標準,內地在金融機構簡化盡職調查、持續盡職調查、受益所有人等方面的具體規定上,與國際標準還存在差距。
《管理辦法》要求,金融機構應當勤勉盡責,遵循「了解你的客戶」的原則,識別並採取合理措施核實客戶及其受益所有人身份,根據客戶特徵和交易活動的性質、風險狀況,採取相應的盡職調查措施。
在業務關係存續期間,金融機構應當持續關注並評估客戶整體狀況及交易情況,了解客戶的洗錢風險。涉及較高洗錢或恐怖融資風險的,應當採取相應的強化盡職調查措施,必要時可以採取與風險相匹配的洗錢風險管理措施。
《管理辦法》規定,金融機構不得為身份不明的客戶提供服務或者與其進行交易,不得為客戶開立匿名賬戶或者假名賬戶,不得為冒用他人身份的客戶開立賬戶。
對於金融機構和從事匯兌業務的機構為客戶向境外匯出資金金額為單筆5,000元人民幣或者外幣等值1,000美元以上的,《管理辦法》要求,應當核實匯款人身份,確保匯款人信息的準確性。發現客戶涉嫌洗錢或者恐怖融資的,無論匯出資金金額大小,金融機構都應當採取合理措施核實匯款人身份。
《管理辦法》強調,簡化盡職調查不等於豁免金融機構對客戶的盡職調查,應當識別並核實客戶身份,至少登記客戶姓名或者名稱等身份信息,留存客戶盡職調查過程中必要的身份資料。
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