央行：金融机构开展客户尽职调查时，应识别并核实客户受益所有人

Core Viewpoint - The People's Bank of China has drafted the "Management Measures for the Identification of Beneficial Owners of Financial Institutions (Draft for Comments)" to enhance anti-money laundering (AML) efforts and comply with international assessments [2][3] Group 1: Regulatory Framework - The draft measures apply to institutions required to conduct customer due diligence as per existing AML regulations [2] - The measures aim to refine the implementation of the Anti-Money Laundering Law and enhance the effectiveness of beneficial owner identification [2][3] Group 2: Identification Requirements - The draft specifies basic requirements and principles for financial institutions to identify and verify beneficial owners [3] - It emphasizes a risk-based approach, allowing simplified identification for low-risk clients [3] Group 3: Process and Responsibilities - The measures outline the identification and verification process, including the necessary identity and rights information to be collected [3] - A feedback mechanism is established to address discrepancies in identification, with clear standards for major and minor discrepancies [3]