(1) Development financial institutions, policy banks, commercial banks, rural cooperative banks, rural credit cooperatives and village banks;
(2) Securities companies, futures companies and securities investment fund management companies.
(3) Insurance companies and insurance asset management companies;
(4) Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies, money brokerage companies, loan companies and wealth management companies;
(5) Other institutions engaged in financial business as determined and announced by the People's Bank of China.
Non-bank payment institutions, bank card clearing institutions, fund settlement centers, and institutions engaged in remittance business, fund sales business, insurance professional agents and insurance brokerage business shall fulfill the obligations of customer due diligence, customer identity information and transaction record keeping, and the provisions of these Measures on financial institutions shall apply. Article 3 Financial institutions shall be diligent and conscientious, follow the principle of "know your customer", identify and verify the identities of customers and their beneficial owners, and take corresponding due diligence measures for customers, business relationships or transactions with different risk characteristics of money laundering or terrorist financing.
Financial institutions should take continuous due diligence measures when conducting business with customers. In view of the high risk of money laundering or terrorist financing, financial institutions should take corresponding measures to strengthen due diligence, refuse to establish business relations or handle business when necessary, or terminate established business relations. Article 4 Financial institutions shall, in accordance with the principles of safety, accuracy, integrity and confidentiality, properly keep customer identity information and transaction records, ensure that each transaction can be fully copied, and provide the necessary information for customer due diligence, transaction monitoring and analysis, suspicious transaction activity investigation, money laundering and terrorist financing case investigation. Article 5 Financial institutions shall, in accordance with these Measures and relevant laws and regulations on anti-money laundering and anti-terrorist financing, establish and improve internal control systems such as customer due diligence, customer identity information and transaction record keeping, regularly audit and evaluate whether the internal control system is sound and effective, and timely revise and improve relevant systems.
Financial institutions should reasonably design business processes and operational norms to ensure the effective implementation of customer due diligence, customer identity information and transaction record keeping systems. Article 6 Financial institutions shall make unified arrangements for customer due diligence, customer identity data and transaction record keeping at the headquarters level, formulate anti-money laundering and anti-terrorist financing information sharing systems and processes, and ensure effective customer due diligence, money laundering and terrorist financing risk management.
Financial institutions shall supervise and manage the implementation of customer due diligence system, customer identity data and transaction record keeping system by branches.
Financial institutions shall require their overseas branches and subsidiaries to implement the relevant requirements of these Measures within the scope permitted by the laws of the country or region where they are located. If the host country or region has stricter requirements, it should abide by its regulations. If the requirements of these Measures are stricter than the relevant provisions of the host country or region, but the laws of the host country or region prohibit or restrict the implementation of these Measures by overseas branches and subsidiaries, financial institutions shall take appropriate measures to deal with the risks of money laundering and terrorist financing and report to the People's Bank of China. Chapter II Customer Due Diligence Section 1 General Provisions Article 7 If a financial institution suspects that its customers and their transactions are suspected of money laundering or terrorist financing, or doubts the authenticity, validity or completeness of the customer identity information obtained before, it shall conduct customer due diligence and take the following due diligence measures when establishing business relations with customers:
(a) to identify the identity of customers, and to verify the identity of customers through reliable and independent certification materials, data or information;
(2) Understand the purpose and nature of establishing business relations and transactions with customers, and obtain relevant information according to the risk status;
(3) In the case of high risk of money laundering or terrorist financing, understand the source and purpose of the client's funds and take enhanced due diligence measures according to the risk status;
(4) During the existence of the business relationship, taking continuous due diligence measures for customers, and examining their identities and transactions, so as to confirm that all kinds of services and transactions provided to customers are in line with the financial institutions' understanding of their identity background, business needs, risk status and sources and uses of funds;
(5) If the customer is a legal person or an unincorporated organization, determine and take reasonable measures to verify the beneficial owner of the customer.
Financial institutions should determine the degree and specific methods of customer due diligence measures according to the differentiation of risk status, and should not take due diligence measures that are obviously inconsistent with risk status, and grasp the balance between risk prevention and service optimization.