區塊鏈應用認證

Ⅰ 浠涔堟槸KYC璁よ瘉錛熶竴鏂囪繪噦鍖哄潡閾句腑KYC璁よ瘉

浼楁墍鍛ㄧ煡錛屾垜浠鎯寵佹姇璧勬暟瀛楄揣甯侊紝瑕佸仛鐨勭涓浠朵簨灝辨槸閫夋嫨涓瀹朵氦鏄撴墍榪涜屼拱甯侊紝濡傛灉浣犳槸甯佸湀鑰佹墜錛屽湪閫夋嫨濂戒氦鏄撴墍鍚庡氨浼氱啛緇冪殑鐧誨綍娉ㄥ唽鐒跺悗瀹屾垚KYC璁よ瘉錛屼絾鏄濡傛灉浣犳槸涓涓甯佸湀鏂版墜錛屽逛氦鏄撴墍鐨勬祦紼嬭繕涓嶆槸寰堟竻妤氾紝閭ｄ箞浣犲彲鑳藉氨涓嶅お娓呮氬埌搴曚粈涔堟槸KYC璁よ瘉錛孠YC璁よ瘉瑕佹庝箞鎿嶄綔錛屾垜浠鍙堜負浠涔堣佽繘琛孠YC璁よ瘉錛屽逛簬澶у剁殑榪欑嶇枒鎯戝竵鍦堝瓙灝忕紪閮芥槸鍙浠ョ悊瑙ｇ殑錛屾瘯絝熺涓嬈′氦鏄撴湁涓嶆槑鐧界殑鍦版柟鏄寰堟ｅ父鐨勩傞偅涔堝埌搴曚粈涔堟槸KYC璁よ瘉錛熶笅闈㈠氨璁╁竵鍦堝瓙灝忕紪鏉ュ甫澶у朵竴鏂囪繪噦鍖哄潡閾句腑KYC璁よ瘉銆
浠涔堟槸KYC璁よ瘉錛
韙忓叆鍖哄潡閾句駭涓氱殑鏂版墜鍦ㄥ悇浜ゆ槗鎵娉ㄥ唽浼氬憳浼氶亣鍒頒互寰涓鑸緗戠珯鐨勬敞鍐屼細鍛樻病鏈夌殑KYC瀹炲悕璁よ瘉錛岀涓嬈￠亣鍒伴氬父鍗佸垎涓嶄簡瑙ｏ紝鍦ㄩ獙璇佺殑榪囩▼涓浼氱板埌鍚勫紡鍚勬牱鐨勯棶棰橈紝浣嗘病瀹屾垚KYC瀹炲悕璁よ瘉灝卞湪浜ゆ槗涓婂氨浼氭湁鎵闄愬埗錛屾墍浠ユ柊鎵嬬殑絎涓涓鎸戞垬灝辨槸閫氳繃鍚勫ぇ浜ゆ槗鎵瀹炲悕璁よ瘉銆
KYC璁よ瘉閫氬父鍜孉ML鍙嶆礂閽卞垎涓嶅紑錛屽畠浠鏄閲戣瀺棰嗗煙閲岀殑涓撲笟鏈璇銆侹YC鐨勬剰鎬濇槸浜嗚В浣犵殑瀹㈡埛(Know Your Customer鐨勭緝鍐)錛屼負浠涔堣佷簡瑙ｄ綘鐨勫㈡埛鍛?涓轟簡閲戣瀺瀹夊叏錛岄噾鋙嶅畨鍏ㄩ渶瑕佸弽媧楅挶ALM(鍗矨nti Money Laundering)銆傛墍浠ラ渶瑕佸疄鍚嶈よ瘉錛屽苟瑕佹眰瀹㈡埛鎻愪緵韜浠借瘉鏄庡拰甯鎬綇鍦板潃銆
KYC瀹炲悕璁よ瘉鐨勮嫳鏂囧師鏂囨槸Know Your Customer鐨勭緝鍐欙紝鐭ラ亾浣犵殑淇℃伅錛屼負浠涔堣佽╃綉絝欑煡閬撹嚜宸辯殑鐪熷疄淇℃伅鍛? 涓轟簡閲戣瀺瀹夊叏錛岄噾鋙嶅畨鍏ㄩ渶瑕佸弽媧楅挶闃插埗涓庢墦鍑昏祫鍔╂亹鎬栦富涔夛紝鎵浠ラ渶瑕佸㈡埛鎻愪緵鐩稿叧鐨勮祫鏂欙紝閫氬父浼氳佹眰瀹㈡埛鎻愪緵韜浠借瘉鏄庡拰甯鎬綇鍦板潃絳夈
KYC瀹炲悕璁よ瘉鎵欏葷殑鏂囦歡(鍥藉唴浜ゆ槗鎵涓鑸鍙闇瑕佽韓浠借瘉)
1.韜浠借よ瘉鏂囦歡錛氳韓浠借瘉銆侀┚鐓с佸眳浣忚瘉銆佹姢鐓х瓑鏀垮簻棰佸彂鐨勬湁鏁堣韓浠借瘉浠
2.鍦板潃璁よ瘉鏂囦歡錛氫竴鑸涓轟笉瓚呰繃3涓鏈堝唴鐨勬按鐢點佺噧姘旇處鍗曟垨淇＄敤鍗¤處鍗曠瓑
KYC璁よ瘉娉ㄦ剰浜嬮」
1.鎻愪緵鐨勬枃浠訛紝鏃犺烘槸韜浠借瘉榪樻槸鍦板潃璇佹槑錛岄兘瑕佹敞鎰忕収鐗囨槸鍚︽竻鏅般侀湶鍑哄畬鏁寸殑鍥涜掋佽佸鉤鏁
2.鎻愪緵鏈浜轟笌璇佷歡鍚堢収鏃訛紝鎷嶇収鐨勬椂鍊欒佹敞鎰忚瘉浠舵槸鍚︿細鍙嶅厜銆佹槸鍚︽ā緋婏紝鏈浜虹殑鑴告槸鍚﹀畬鏁撮湶鍑恆
鏈浜轟笌璇佷歡鍚堢収鏈変釜鎷嶇収灝忔妧宸э紝銊ц埇浜轟細涔犳儻灝嗚瘉浠墮潬榪戣韓浣撴垨涓嬪反錛岃繖鏍峰規槗閫犳垚鍚堢収鐨勮瘉浠朵笂鐨勬枃瀛椾笉娓呮氾紝琚椹沖洖鏃朵篃涓嶇煡閬撹佹庝箞淇姝ｏ紝鍏跺疄寰堢畝鍗曪紝鎵嬫寔璇佷歡鍚戝墠灝嗚瘉浠墮潬榪戦暅澶達紝瀵圭劍璇佷歡鏂囧瓧紜璁ゆ竻鏅板悗錛岃皟鏁村ご鐨勪綅緗闇插嚭??瀹屾暣鐨勮劯錏嬶紝榪欐牱灝辮兘鎷嶅嚭瀹岀編鐨勬湰浜轟笌璇佷歡鍚堢収銆
緇間笂鎵榪幫紝灝辨槸甯佸湀瀛愬皬緙栧逛簬浠涔堟槸KYC璁よ瘉榪欎竴闂棰樼殑鍥炵瓟錛屽笇鏈涘竵鍦堝瓙灝忕紪鐨勮繖綃囦竴鏂囪繪噦鍖哄潡閾句腑KYC璁よ瘉鑳藉熷府鍔╁悇浣嶆姇璧勮呮洿鍔犲叏闈㈤忓交鐨勪簡瑙KYC璁よ瘉鏄浠涔堛傚叾瀹炵幇鍦ㄦ湁寰堝氫漢璁や負鍔犲瘑棰嗗煙鏄涓嶉渶瑕丩YC璁よ瘉鐨勶紝鍥犱負浠栦滑璁や負鍔犲瘑涓栫晫鏄涓涓鍘諱腑蹇冨寲鍖垮悕鐨勪笘鐣岋紝鍏跺疄浜嬫儏榪滀笉姝㈣繖涔堢畝鍗曪紝闅忕潃鍖哄潡閾炬妧鏈鐨勫彂灞曪紝寰堝氫笉娉曞垎瀛愪篃娉ㄦ剰鍒頒簡鏁板瓧璐у竵鐙鐗圭殑鎬ц川錛屽紑濮嬪埄鐢ㄥ畠鐨勭壒鎬у仛涓浜涢潪娉曠殑琛屼負錛岃繖鏄闈炲父鍗遍櫓鐨勶紝鎵浠ュ湪鍔犲瘑璐у竵棰嗗煙蹇呴』瑕佷弗鏍肩殑鎵ц孠YC瑙勫垯銆