央行等三部门：金融机构应当了解客户及信托业务性质、所有权和控制权结构

Core Points - The People's Bank of China, the National Financial Regulatory Administration, and the China Securities Regulatory Commission have released a draft regulation for public consultation regarding the management of customer due diligence and the preservation of customer identity information and transaction records [1] Group 1: Regulatory Framework - The draft regulation requires trust companies to identify and verify the identity of the trustor when establishing a trust or transferring trust beneficiary rights [1] - Financial institutions must understand the source of trust assets and maintain basic identity information of the trustor and beneficiary, including copies of valid identification documents [1] Group 2: Client Identification Requirements - For clients that are legal entities or non-legal organizations, or when the funds are trust funds, financial institutions must understand the nature of the client's business, ownership, and control structure [1] - Institutions are required to take reasonable measures to verify the identity of the ultimate beneficial owners of the clients [1] Group 3: Information Gathering - Financial institutions must obtain the name, founding agreement documents, and the name and address of the trust manager when dealing with trust funds [1] - In cases where the registered location and the main operating location of the manager differ, the main operating location should be used for identification [1] - For entities registered or operating overseas, at least the country or region information must be identified and recorded [1]