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 the People's Bank of China and other regulatory bodies, effective from January 1, 2026, emphasizing a risk-based approach to customer due diligence in financial institutions [1][4]. Group 1: Regulatory Framework - The "Management Measures" were developed after extensive consultation with various stakeholders, including financial institutions, and reference to international anti-money laundering standards [1]. - The measures require financial institutions to conduct customer due diligence based on customer characteristics and transaction activities, avoiding mismatched actions concerning money laundering risks [4][5]. Group 2: Risk-Based Approach - The core principle of the "Management Measures" is to balance safety and convenience by implementing simplified due diligence for low-risk situations and enhanced measures for high-risk scenarios [2][5]. - Financial institutions are mandated to continuously monitor and assess customer situations and transaction patterns to identify potential money laundering and terrorist financing risks [4][8]. Group 3: Implementation Guidelines - Financial institutions must take reasonable steps to verify customer identities and their beneficial owners, adapting their due diligence measures according to the assessed risk levels [4][8]. - In cases of high money laundering or terrorist financing risks, institutions are required to implement enhanced due diligence measures, including obtaining detailed information about the business relationship and transaction purposes [8][9]. Group 4: Information Security and Privacy - The article highlights the importance of information security and personal data protection in the context of anti-money laundering efforts, ensuring that customer identity and transaction information are kept confidential [11]. - It notes that in regions with stringent personal information protection laws, customers generally accept necessary due diligence measures as part of the financial service relationship [12].