客户身份识别与客户尽职调查的国际监管溯源——基于合规与反洗钱视角的对标与辨析  

Tracing the International Supervision of KYC and CDD——Benchmarking and Discrimination Based on the Perspective of Compliance and AML

作　　者：蔡宁伟[1] 贾帅帅 Cai Ningwei;Jia Shuaishuai

机构地区：[1]中信银行合规部 [2]广州大学金融研究院

出　　处：《开发性金融研究》2024年第4期79-89,共11页Development Finance Research

基　　金：国家社会科学基金青年项目(21CTJ013)

摘　　要：长期以来,客户身份识别作为反洗钱“四大核心义务”之一,在反洗钱管理中承担了关键职能。本文尝试从主要国际监管组织、国际准则和业务实践等维度,追溯客户身份识别和客户尽职调查的来龙去脉,从合规与反洗钱管理的视角厘清二者之间的关系,区别二者的异同。在此基础上,本文对我国反洗钱监管和金融机构实践提出三点建设性意见:一是要正确理解客户身份识别的狭义界定和广义内涵;二是应强力治理片面理解客户身份识别的问题;三是要进一步健全中国特色的反洗钱监管体系。For a long time,as one of the“four core obligations”of AML,KYC has undertaken important management responsibilities.At the same time,CDD also plays a key role in AML management.This paper attempts to trace the context of KYC and CDD from multiple dimensions such as the major international regulatory organizations,international standards and business practice,clarify the relationship between them from the perspective of compliance and AML management,and compare the similarities and differences between them.On this basis,the paper puts forward three constructive suggestions for China’s AML supervision and financial institution practice:firstly,to correctly understand the narrow definition and broad connotation of KYC;The second is to strongly address the problem of onesided understanding and completing KYC;The third is to further improve the AML regulatory system with Chinese characteristics.

关 键 词：客户身份识别 客户尽职调查 国际监管溯源 中国反洗钱制度 

分 类 号：D922.281[政治法律—经济法学] F832.2[政治法律—法学]