Users can print bank running water through the bank counter, and can print running water within 2 years at most; Self-service printing of bank flow through the terminal can print the bank flow within 1 year at the longest; Print bank running water through online banking, which can print running water within 5 years at the longest. In fact, it usually takes half a year or more for users to apply for loans.
The demand for bank flow is stable and continuous. If users don't have a stable job, they need to do their own bank running six months ago.
Article 1 These Measures are formulated in accordance with the Anti-Money Laundering Law of People's Republic of China (PRC) and other laws and administrative regulations in order to prevent money laundering and terrorist financing activities, standardize customer identification, keep customer identification data and transaction records of financial institutions, and maintain financial order.
Article 2 These Measures shall apply to the following financial institutions legally established within the territory of People's Republic of China (PRC):
(1) Policy banks, commercial banks, rural cooperative banks, urban credit cooperatives and rural credit cooperatives.
(2) Securities companies, futures companies and fund management companies.
(3) Insurance companies and insurance asset management companies.
(4) Trust companies, financial asset management companies, finance companies, financial leasing companies, auto financing companies and money brokerage companies.
(5) Other financial institutions determined and announced by the People's Bank of China.
These Measures shall apply to institutions engaged in exchange business, payment and clearing business and fund sales business in fulfilling the obligations of customer identification, customer identity data and transaction record keeping.
Article 3 Financial institutions should be diligent and conscientious, establish and implement a customer identification system, follow the principle of "know your customer", and take corresponding measures for customers, business relationships or transactions with different risk characteristics of money laundering or terrorist financing, so as to know the customers, the purpose and nature of the transactions, and the natural persons who actually control the customers and the actual beneficiaries of the transactions.
Financial institutions shall, in accordance with the principles of safety, accuracy, integrity and confidentiality, properly keep customer identification data and transaction records, and ensure that each transaction can be fully copied, so as to provide information needed for identifying customers, monitoring and analyzing transactions, investigating suspicious transaction activities and investigating money laundering cases.
Article 4 Financial institutions shall, in accordance with laws and regulations on anti-money laundering and anti-terrorist financing, establish and improve internal operating systems such as customer identification, customer identity data and transaction record keeping, designate special personnel to be responsible for compliance management of anti-money laundering and anti-terrorist financing, rationally design business processes and operating systems, conduct internal audits on a regular basis, assess whether the internal operating systems are sound and effective, and revise and improve relevant systems in a timely manner.
Article 5 A financial institution shall supervise and manage the implementation of the customer identification system, customer identification data and transaction record keeping system by its branches.
The headquarters of financial institutions and group headquarters should make unified requirements for customer identification, customer identity data and transaction records.
Financial institutions shall require their overseas branches and subsidiaries to implement the relevant requirements of these Measures within the scope permitted by the laws and regulations of the host country (region). Where the host country (region) has stricter requirements, its provisions shall prevail. If the requirements of these Measures are stricter than the relevant provisions of the host country (region), but the laws of the host country (region) prohibit or restrict the implementation of these Measures by overseas branches and subsidiaries, financial institutions shall report to the People's Bank of China.
Article 6 When establishing correspondent bank or similar business relationship with overseas financial institutions, financial institutions shall fully collect the business, reputation, internal control and supervision information of overseas financial institutions, evaluate the soundness and effectiveness of anti-money laundering supervision and anti-money laundering and anti-terrorist financing measures of overseas financial institutions, and clarify in writing the responsibilities of this financial institution and overseas financial institutions in customer identification, customer identity information and transaction record keeping.
The establishment of correspondent bank or similar business relationship between financial institutions and overseas financial institutions shall be approved by the board of directors or other senior management.