风险情报洞察 | KYC 与 KYB：你真的了解它们的区别吗？

Core Viewpoint - KYC (Know Your Customer) and KYB (Know Your Business) are essential components of global anti-money laundering (AML) and compliance regulations, aimed at combating fraud and other illegal activities in the financial ecosystem [1][2]. Group 1: Importance of KYC and KYB - KYC focuses on individual identity verification, while KYB emphasizes due diligence on business entities, both being critical for AML compliance and fraud prevention [2][3]. - Implementing a risk-based approach allows for efficient resource allocation by concentrating on high-risk individuals or entities, thus maintaining customer relationships [2][3]. Group 2: Risk Categories - Six risk categories must be assessed: identity risk, integrity risk, financial risk, operational risk, ESG risk, and cybersecurity risk to prevent illegal activities [2][4][5][6]. - Identity risk involves verifying the existence and identity of customers, including the source of funds for individuals and the ultimate beneficial ownership (UBO) for businesses [3][5]. - Integrity risk assesses whether individuals or entities might use services for illegal financial activities, including verifying any government sanctions [4][5]. - Financial risk entails evaluating the creditworthiness and financial stability of both individual and business clients [5]. - Operational risk involves assessing the business suitability of clients, including performance, scale, and related parties [5]. - ESG risk encompasses issues like environmental crimes and human rights violations, as well as conflicts of interest among executives [6][7]. Group 3: Dynamic Nature of Risks - The need for due diligence in a digital environment is emphasized due to the rise of online financial crimes, necessitating ongoing verification of customer identities throughout the relationship [8]. - A flexible and proactive risk mitigation approach is crucial as new risk types may emerge [8].