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 aim to balance risk prevention and service optimization, effective from January 1, 2026 [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 customer due diligence and transaction record management [1]. - The guidelines emphasize the need for financial institutions to "know your customer" to identify suspicious activities and prevent money laundering [1][2]. Group 2: Risk-Based Approach - The management measures are based on a "risk-based" principle, requiring institutions to tailor their due diligence efforts according to customer characteristics and transaction risks [3]. - Institutions are encouraged to implement simplified measures for low-risk scenarios while applying enhanced measures for high-risk situations [3]. Group 3: Balancing Security and Convenience - There is a challenge in balancing financial security with customer convenience, as some clients express dissatisfaction with excessive inquiries during transactions [4]. - The guidelines aim to address this issue by clarifying the specific requirements and scope of customer due diligence, moving away from rigid cash transaction thresholds [5]. Group 4: Technological Integration - Experts suggest that financial institutions should leverage technology to enhance risk monitoring capabilities while maintaining a customer-friendly approach [5].