三部门：完善金融机构客户尽职调查，兼顾安全与便利

Core Viewpoint - The article discusses the implementation of the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Keeping" by Chinese regulatory authorities, which will take effect on January 1, 2026, to enhance anti-money laundering (AML) practices in financial institutions [1]. Group 1: Regulatory Framework - The new measures were developed after extensive consultation with various stakeholders, including financial institutions, and reference to international AML standards [2]. - The core principle of the measures is "risk-based," requiring financial institutions to conduct customer due diligence based on customer characteristics and transaction activities to avoid mismatched measures against money laundering risks [3][5]. Group 2: Customer Due Diligence - Customer due diligence is emphasized as a critical component of AML obligations, with specific requirements for different risk scenarios, including simplified measures for low-risk situations and enhanced measures for high-risk cases [6][7]. - Financial institutions are required to continuously monitor and assess customer status and transaction activities throughout the business relationship [3][6]. Group 3: Balancing Security and Convenience - The measures aim to balance security and convenience in customer due diligence, addressing the tension between regulatory requirements and customer experience [2][5]. - Financial institutions must take reasonable steps to verify customer identities and transaction purposes, especially when unusual or high-risk transactions occur [4][6]. Group 4: Information Security and Privacy - The article highlights the importance of information security and personal data protection in the context of AML efforts, with strict confidentiality requirements for customer identity and transaction information [8][9]. - The measures reflect a need for financial institutions to operate within reasonable limits while gathering customer information to prevent misuse of the financial system [8].