If the customer is a foreign politician, the opening of an account by a financial institution should be approved by the senior management.
When a financial institution handles cash deposit and withdrawal business of RMB 50,000 yuan or more or the equivalent of US$ 65,438+RMB 0,000 yuan for natural person customers, it shall check the valid identity documents or other identification documents of the customers.
When providing safe deposit box services, financial institutions should know the actual users of safe deposit boxes.
Securities companies, futures companies, fund management companies and other institutions engaged in fund sales shall identify their customers when handling the following businesses:
(1) Opening, closing, alteration, deposit and withdrawal of capital accounts, etc.
(2) Opening a capital account.
(3) Handling the opening, loss reporting and cancellation of securities accounts or the application, loss reporting and cancellation of trading codes of futures customers.
(4) Signing futures brokerage contracts with clients.
(five) to handle the agency authorization or cancel the agency authorization for customers.
(6) Transfer custody, designated transaction and cancellation of designated transaction.
(7) Confirmation of proxy shares.
(8) Report the loss of transaction password.
(nine) modify the customer identity and other basic information materials.
(ten) the opening of online transactions, telephone transactions and other non counter transactions.
(eleven) to sign credit transaction contracts with customers such as margin financing and securities lending.
(twelve) to handle other businesses as determined by the People's Bank of China and the China Securities Regulatory Commission.
Customer identification includes: knowing the natural person who actually controls the customer and the actual beneficiary of the transaction, checking the customer's valid identity documents or other identification documents, registering the basic information of the customer's identity, and keeping copies or photocopies of the valid identity documents or other identification documents.
Property insurance contracts with an insurance amount of more than RMB 65,438+00000 or an equivalent foreign currency of more than USD 65,438+0000 and paid in cash, life insurance contracts with an insurance amount of more than RMB 20,000 or an equivalent foreign currency of more than USD 2,000 and paid in cash, and insurance contracts with an insurance premium of more than RMB 200,000 or an equivalent foreign currency of more than USD 20,000 and paid by transfer, When concluding an insurance contract, an insurance company shall confirm the relationship between the applicant and the insured, check the valid identity documents or other identification documents of the designated beneficiaries other than the applicant, the insured and their legal heirs, register the basic identity information of the designated beneficiaries other than the applicant, the insured and their legal heirs, and keep copies or photocopies of the valid identity documents or other identification documents.
When a customer applies to cancel an insurance contract, if the cash value of the refunded insurance premium or the refunded insurance policy exceeds RMB 65,438+0,000 or the equivalent foreign currency exceeds USD 65,438+0,000, the insurance company shall require the applicant to show the original insurance contract or insurance certificate, check the applicant's valid identity certificate or other identification documents, and confirm the identity of the applicant.
When the insured or beneficiary requests compensation or payment of insurance money from the insurance company, if the amount exceeds RMB 65,438+0,000 or the equivalent foreign currency exceeds USD 65,438+0,000, the insurance company shall check the valid identity documents or other identification documents of the insured or beneficiary, confirm the relationship between the insured, beneficiary and the applicant, register the basic information of the insured and beneficiary, and keep the valid identity documents or other identification documents.
If the identity certificate or identity certificate previously submitted by the customer has expired, and the customer fails to update it within a reasonable period of time without giving a reasonable reason, the financial institution shall stop handling business for the customer.
Financial institutions should confirm the existence of agency relationship in a reasonable way. In accordance with the relevant requirements of these Measures, when taking customer identification measures against the client, the valid identity certificate or identity certificate of the agent shall be examined, and the name, contact information, type and number of the identity certificate or identity certificate of the agent shall be registered.
In the following cases, financial institutions should re-identify customers:
(1) The customer requests to change its name, identity document or type, identity document number, registered capital, business scope, legal representative or person in charge.
(2) Abnormal customer behavior or transaction.
(3) The customer's name is the same as that of a criminal suspect, money launderer or terrorist financier who is required by relevant departments, institutions and judicial organs in the State Council to investigate or pay attention to according to law.
(4) The customer is suspected of money laundering or terrorist financing activities.
(5) The customer information obtained by the financial institution is inconsistent or contradictory with the relevant information previously mastered.
(6) Have doubts about the authenticity, validity and integrity of the customer identity information obtained before.
(7) Other circumstances in which the financial institution considers that the customer's identity should be re-identified.