客户识别酝酿新规 金融机构合规能力临考

Core Viewpoint - The People's Bank of China has released a draft regulation on the identification of beneficial owners by financial institutions, marking a shift from "formal compliance" to "substantive penetration" in anti-money laundering (AML) supervision [1][2]. Group 1: Regulatory Changes - The new regulation aims to prevent and combat money laundering and terrorist financing by establishing clear processes and requirements for identifying and verifying beneficial owners [2][3]. - Financial institutions are now required to implement a "differential feedback mechanism," which mandates them to compare identification results with regulatory system records and report discrepancies within 30 working days [3]. Group 2: Compliance Challenges - The regulation introduces higher compliance demands, requiring institutions to enhance their data penetration and risk identification capabilities, especially in complex cross-border structures [3][4]. - Traditional reliance on customer-provided information for identity verification is no longer sufficient, as the regulation necessitates a deeper understanding of complex ownership structures [4][5]. Group 3: Implementation Difficulties - Financial institutions face significant challenges in adapting to the new requirements, particularly in identifying a greater number of beneficial owners and collecting more detailed information on each [5][6]. - The need for continuous updates and accurate data entry into internal systems adds pressure on institutions to manage information effectively [5][6]. Group 4: Collaborative Efforts - To effectively address AML challenges, collaboration among financial institutions, regulatory bodies, and businesses is essential, with a call for stronger administrative enforcement to ensure timely registration of beneficial owner information [6][7]. - Business owners and individual entrepreneurs are encouraged to enhance their compliance awareness, as timely and accurate registration of beneficial owner information reflects legal obligations and integrity in business operations [7].