向境外汇款单笔超5000元应核实汇款人身份

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has released a draft management measure aimed at enhancing customer due diligence and transaction record-keeping in financial institutions, addressing deficiencies in risk-based customer due diligence practices [1][2]. Group 1: Regulatory Framework - The draft management measure is designed to align with international anti-money laundering standards set by the Financial Action Task Force (FATF) and to fulfill requirements of the Anti-Money Laundering Law [1]. - Financial institutions are required to adopt a diligent approach, following the principle of "Know Your Customer" to identify and verify customer identities based on their characteristics and transaction activities [1][2]. Group 2: Customer Due Diligence Requirements - Financial institutions must continuously monitor and assess the overall status and transaction activities of customers during the business relationship, particularly focusing on money laundering risks [2]. - Institutions are prohibited from providing services to unidentified customers or opening anonymous accounts, and must verify the identity of remitters for transactions exceeding RMB 5,000 or USD 1,000 [2]. Group 3: Simplified Due Diligence - The draft emphasizes that simplified due diligence does not exempt financial institutions from their obligation to conduct customer due diligence, requiring at least the registration of customer names or identities [2].