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What is know your client (KYC)?
What is KYC & why is it important?
What is a KYC registry?
What is a KYC policy?
KYC, or "Know Your Customer", is a set of processes that allow banks and other financial institutions to confirm the identity of the organisations and individuals they do business with, and ensures those entities are acting legally.
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2023年1月17日 · KYC 意即 Know Your Customer ( 了解你的客戶) ，是銀行了解和核實客戶身份的過程；也是銀行按監管要求進行盡職審查 (Customer Due Diligence) 的必要過程之一。 銀行要求企業提交什麼 KYC 資料? 無論企業需要開立銀行戶口，還是申請貸款，銀行必然需要企業提交以下四大類別的資料︰. 公司資料 ︰例如公司名稱、註冊地址及號碼等。 業務資料 ︰例如公司從事的行業、業務性質等。 股東架構 ︰包括不同股東的佔比、完整的股東架構 ( 包括最終擁有人) 。 關鍵人士身份及授權 ︰董事和最終擁有人的身份認證。 上述資料主要是協助銀行識別和核實企業的身份，以及評估企業參與洗黑錢、恐怖分子資金籌集等這類金融犯罪活動的風險。
Know Your Customer (KYC) is a legal requirement for financial institutions to know who their customers are before they work with them. Mandated by global and local regulations, the goal of KYC is to prevent financial crimes such as money laundering, fraud, terrorism financing, and identity theft.
- Importance and Benefits of KYC
- KYC Documents Required
- KYC Process
- KYC Verification Agencies
- More Resources
To be mandated by the law, the Know Your Client (KYC) process also helps the financial institutions in several ways: 1. Helps lenders perform risk assessment by identifying the previous financial history and assets owned 2. Limits fraud that result mainly due to hiding of identity 3. Prevents money laundering and other anti-social activities 4. Bri...
The KYC process is carried out for both individuals and organizations. KYC authentication is based on verification of identity and place of residence. The documents required for the KYC process for individuals include the usual documents that individuals generally use, such as: 1. Driver’s license 2. Social security card/number 3. Passport 4. Docum...
The KYC process is simple and differs only slightly from country to country. A simple KYC process flow is depicted below: The KYC process can follow the following steps, although not always in the same order:
As discussed earlier, the KYC process consumes a significant amount of time and effort. Hiring staff and performing physical verification is a cumbersome and costly affair. The cost becomes higher for smaller financial institutions. As a result, the KYC process is usually contracted out to agencies that specialize in them. The two major reasons for...
CFI is the official provider of the global Capital Markets & Securities Analyst (CMSA)®certification program, designed to help anyone become a world-class financial analyst. To keep advancing your career, the additional CFI resources below will be useful: 1. Anti-Money Laundering 2. Customer Bonding 3. Fraud Triangle 4. Types of Due Diligence 5. Se...
The very nature of KYC and AML regulations globally prohibits organizations from following a uniform KYC model. In an ever-changing regulatory landscape, with no standardized model, the processes and rules for collecting, maintaining, and updating client data differ vastly across banking organizations.
KYC procedures defined by banks involve all the necessary actions to ensure their customers are real and assess and monitor risks. These client-onboarding processes help prevent and identify money laundering, terrorism financing, and other illegal corruption schemes.
認識你的客戶 （Know your customer），是企業確認客戶身份的程序，通稱 KYC ，在各個公司或機關的 華語 名稱不同，也稱為 瞭解你的客戶 、 認識客戶政策 、 客戶身分審查 、 客戶身分盡職調查 等。 此一詞語也用在 银行监管 （英语：bank regulation） 。 「認識你的客戶」程序也適用在不同規模的公司，以確認其可能的客戶、顾问或经销商符合反 賄賂 标准（anti-bribery compliant）。 越來越多的 銀行 、 保险公司 會要求客戶提供具體的反 腐敗 盡職調查 資訊，以確認客戶的诚实和正直。
