财经聚焦｜安全与便利咋平衡？银行开展客户尽职调查有了新要求！

Core Viewpoint - The new requirements for customer due diligence by financial institutions, effective from January 1, 2026, aim to enhance the understanding of customers to prevent money laundering activities [1][2]. Group 1: Regulatory Framework - The People's Bank of China, the Financial Regulatory Administration, and the China Securities Regulatory Commission have released guidelines for financial institutions to conduct customer due diligence effectively [1]. - The guidelines emphasize the need for financial institutions to identify unusual situations and block money laundering activities [1][2]. Group 2: Risk-Based Approach - The management measures are centered around a "risk-based" principle, requiring financial institutions to adopt differentiated due diligence measures based on customer characteristics and transaction risks [5][6]. - For low-risk scenarios, such as stable income sources and reasonable transaction amounts, simplified measures are recommended, while higher-risk situations necessitate enhanced scrutiny [5]. Group 3: Balancing Security and Convenience - There is a challenge in balancing financial security with customer convenience, as excessive inquiries during transactions can lead to customer dissatisfaction [7][8]. - The management measures aim to clarify specific requirements and applicable scopes for customer due diligence, addressing the need for a balance between security and convenience [8][9]. Group 4: Implementation and Public Perception - Recent incidents of customer complaints regarding excessive questioning during transactions highlight the need for financial institutions to implement due diligence effectively while maintaining customer satisfaction [7][9]. - Experts suggest that financial institutions should leverage technology to enhance risk monitoring capabilities while ensuring a warm service experience for customers [9].