金融机构反洗钱措施中了解客户原则之探析——兼议我国金融机构反洗钱体制中该原则的完善

洗钱作为一种国际犯罪,越来越引起人们的重视,无论就一国国内还是国际社会来看,金融机构在抵制洗钱犯罪中都扮演着至关重要的角色。了解客户原则(know your customer简称KYC原则)是金融机构加强反洗钱措施中的一个关键点,因此,文章重点阐述了该原则的核心地位、内涵,以及其适用程度和范围。在论述KYC原则的过程中,通过与《四十条建议》等法规进行比较,指出我国金融机构反洗钱立法中同该原则相关的待改进之处。

The Know-Your-Customers Principle in Financial Institutions Anti-money Laundering Measures-and how to Improve this Principle in the Domestic Anti-money Laundering System

As an international crime,money laundering has drawn great concerns.Financial institutions play a very important role in anti-money laundering action.The principle of know your customers(shortened as KYC) is the key point for financial institutions' to enforce anti-money laundering measures.The status and meaning of KYC principle are discussed in this paper,and its applicable extent and scope are expounded.Through comparing with the KFC principles in some foreign countries,shortcomings and improving measures about domestic anti-money laundering system are also discussed.