客户尽职调查管理办法正式发布 2026年起施行

Core Points - The People's Bank of China, along with the Financial Regulatory Administration and the China Securities Regulatory Commission, has officially announced the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Preservation" which will take effect on January 1, 2026 [1] - The measures emphasize the principles of safety, accuracy, completeness, and confidentiality in preserving customer identity information and transaction records, ensuring that each transaction can be reproduced for due diligence, monitoring, and investigation of suspicious activities, including money laundering and terrorist financing [1][2] - The "risk-based" approach requires financial institutions to conduct customer due diligence based on customer characteristics and the nature of transaction activities, balancing money laundering risk prevention with the optimization of financial services [1][2] Risk-Based Due Diligence - Financial institutions are expected to implement simplified measures for customers with lower money laundering risks, while applying enhanced due diligence for higher-risk scenarios [1] - For example, pension accounts for elderly clients are considered low-risk due to their stable income sources and reasonable transaction amounts, leading to minimal additional verification requirements [1] - Conversely, if a typical university student suddenly receives large transfers inconsistent with their usual transaction patterns, banks must take extra precautions to investigate and verify the transaction background [2] - The core principle of "strict where necessary, lenient where possible" aims to promote a balanced approach in providing financial services while ensuring security [2]