Zikafika pamakampani otchova njuga, mawu amodzi omwe nthawi zambiri amabwera ndi KYC - Dziwani Makasitomala Anu. Koma kodi KYC ndi chiyani, ndipo imagwira ntchito bwanji? Tiyeni tifufuze tanthauzo ndi tanthauzo la KYC ndikuwona kufunikira kwake pazachuma.
KYC, chidule cha Know Your Customer, ndi mchitidwe wamba pamakampani otchova njuga omwe amaonetsetsa kuti alangizi atha kutsimikizira zomwe kasitomala ali ndi kumvetsetsa bwino za zomwe akudziwa komanso mbiri yazachuma. Zimaphatikizapo zigawo zitatu zazikulu: pulogalamu yozindikiritsa makasitomala (CIP), kudzipereka kwamakasitomala (CDD), ndi kukhathamiritsa koyenera (EDD).
Monga chofunikira kwa akatswiri pamakampani achitetezo, KYC imathandizira kukhazikitsa mbiri ya kasitomala aliyense ndikuwonetsetsa kutsatira malamulo, malamulo, ndi malamulo. Mabungwe azachuma amayenera kupeza zidziwitso zozindikiritsa, kusonkhanitsa zidziwitso zamakasitomala, ndikusonkhanitsa zambiri zamakasitomala omwe ali pachiwopsezo chachikulu. Kutsata kwa KYC imayang'aniridwa ndi malamulo monga FINRA Rule 2090 (Dziwani Wogula Wanu) ndi FINRA Rule 2111 (Kuyenerera). Kuphatikiza apo, KYC ndi gawo lofunikira pakuletsa kuwononga ndalama (AML) ndipo ndiyofunikira kwambiri pamsika wa cryptocurrency.
Zitengera Zapadera:
- KYC (Dziwani Makasitomala Anu) ndi mchitidwe wokhazikika pamakampani otchova njuga omwe amawonetsetsa kuti alangizi atha kutsimikizira zomwe kasitomala akufuna ndikumvetsetsa mbiri yake yazachuma.
- Magawo atatu a KYC ndi pulogalamu yozindikiritsa makasitomala (CIP), kulimbikira kwamakasitomala (CDD), ndi kukhathamiritsa koyenera (EDD).
- Kutsata kwa KYC ndikofunikira kuti akatswiri mumakampani azitetezo akhazikitse mbiri ya kasitomala aliyense ndikutsatira malamulo ndi malamulo.
- KYC ndi gawo lofunika kwambiri pamiyezo yolimbana ndi kuba ndalama (AML) ndipo ikukula kwambiri pamsika wa cryptocurrency.
- Kutsatira Malamulo a KYC zimathandizira kuchepetsa ziwopsezo zamilandu yazachuma monga kuwononga ndalama komanso kuthandizira zauchigawenga.
Zofunikira za KYC: Pulogalamu Yozindikiritsa Makasitomala (CIP)
Kuti atsatire Malamulo a KYC, mabungwe azachuma ayenera kutsatira Customer Identification Program (CIP). CIP imafuna kuti mabungwewa atole ndi kutsimikizira zigawo zinayi zofunika zozindikiritsa makasitomala awo: dzina lawo, tsiku lobadwa, adilesi, ndi nambala yodziwika. Nthawi zambiri, makasitomala amayenera kupereka chizindikiritso choperekedwa ndi boma ngati umboni wawo, ndipo mabungwe ena angafunikenso mitundu iwiri ya ID kuti atsimikizirenso. Kutsimikizira ma adilesi kutha kuchitidwa kudzera m'njira zosiyanasiyana monga umboni wa ID kapena zikalata zotsagana nazo.
Pokhazikitsa CIP, mabungwe azachuma amatha kuwonetsetsa kuti akutsimikizira makasitomala awo ndikuwatsatira. Malamulo a KYC. Izi sizimangothandiza kupewa ntchito zachinyengo komanso zimakulitsa chitetezo chonse chandalama. CIP ndi gawo lofunikira kwambiri Zofunikira za KYC ndipo imagwira ntchito yofunika kwambiri posunga kukhulupirika kwa kayendetsedwe kazachuma.
Mwachidule, CIP ndi sitepe yofunikira mu Njira ya KYC zomwe zimafuna mabungwe azachuma kuti atolere ndikutsimikizira zidziwitso zazikulu zowazindikiritsa kuchokera kwa makasitomala awo. Pochita izi, amatha kutsimikizira kuti makasitomala awo ndi enieni, kutsatira malamulo a KYC, ndikuchepetsa kuopsa kwa milandu yazachuma. Ndi kukwera kwa digito ndi kupita patsogolo kwaukadaulo, CIP ikukhala yosinthika komanso yothandiza, zomwe zimathandizira njira zolowera makasitomala mwachangu komanso zotetezeka.
| Zofunikira za CIP | Kufotokozera |
|---|---|
| Chizindikiritso | Mabungwe azachuma akuyenera kusonkhanitsa ndi kutsimikizira mayina amakasitomala, masiku obadwa, ma adilesi, ndi manambala awo. |
| ID Yotulutsidwa Ndi Boma | Makasitomala amafunikira kuti apereke chizindikiritso choperekedwa ndi boma ngati umboni wawo. |
| Kutsimikizira Kwa Adilesi | Kutsimikizira maadiresi kungatheke kudzera m'njira zosiyanasiyana, monga umboni wa ID kapena zikalata zotsagana nazo. |
| Kulimbitsa Chitetezo | Kukhazikitsa CIP kumakulitsa chitetezo chambiri pazachuma komanso kumathandizira kupewa zachinyengo. |
Chidziwitso: Gulu lomwe lili pamwambapa likufotokozera mwachidule zofunikira ndi maubwino okhazikitsa Customer Identification Programme (CIP) monga gawo la kutsata kwa KYC.
Zofunikira za KYC: Kulimbikira Kwamakasitomala (CDD)
Zofunikira za KYC kupitilira kuzindikira kwamakasitomala ndikuphatikiza kulimbikira kwamakasitomala (CDD). CDD ndi gawo lofunikira la ma Njira ya KYC komanso kumaphatikizapo kusonkhanitsa ndi kutsimikizira zonse zamakasitomala kuti atsimikizire kuti iwo ndi ndani ndikuwunika mbiri yawo yomwe ali pachiwopsezo cha zochitika zokayikitsa za akaunti. Pochita mosamala, mabungwe azachuma amatha kuzindikira makasitomala omwe ali pachiwopsezo chachikulu ndikuchepetsa kuopsa komwe kungachitike chifukwa chakuba ndalama komanso kuthandizira zigawenga.
Panthawi ya ma CDD, mabungwe azachuma amapeza zambiri zamabizinesi a kasitomala, kuwunika gulu lawo lomwe ali pachiwopsezo, ndikutsimikizira zikalata monga mabilu othandizira kuti atsimikizire adilesi. Njira yonseyi imathandizira mabungwe kuti azitha kumvetsetsa bwino makasitomala awo ndikupanga zisankho zodziwika bwino pamaakaunti awo.
"Kusamala koyenera kwamakasitomala ndi gawo lofunikira kwambiri pazantchito za KYC, kulola mabungwe azachuma kuti awone momwe makasitomala awo alili pachiwopsezo ndikukhazikitsa njira zoyenera zopewera milandu yazachuma."
Zinthu zazikuluzikulu za CDD mu KYC:
- Kusonkhanitsa ndi kutsimikizira mbiri yamakasitomala
- Kuyang'ana mbiri ya kasitomala
- Kupeza zambiri zamabizinesi a kasitomala
- Kutsimikizira zikalata zotsimikizira adilesi
Ndondomeko ya CDD imapanga mbiri yamakasitomala ambiri, kuthandiza mabungwe azachuma kumvetsetsa zomwe makasitomala awo amachita ndikuwona zoopsa zilizonse zomwe zingachitike chifukwa chophwanya malamulo. Poonetsetsa kuti CDD yogwira ntchito, mabungwe amatha kusunga malamulo ndikudziteteza ku milandu yazachuma.
| Masitepe a CDD | Kufotokozera |
|---|---|
| Kusonkhanitsa zidziwitso zamakasitomala | Sonkhanitsani zidziwitso zonse zofunika ndi zolemba kuti mutsimikizire kuti kasitomala ndi ndani. |
| Kuwunika mbiri yachiwopsezo | Unikani kuchuluka kwa chiwopsezo cha kasitomala potengera zochita zawo zamabizinesi, mbiri yazachuma, ndi zina zofunika. |
| Kutsimikizira adilesi | Tsimikizirani adilesi yanyumba kapena bizinesi yamakasitomala kudzera muzolemba monga mabilu othandizira kapena kubwereketsa. |
| Kuyang'anira zochita za akaunti | Kuwunika mosalekeza zochitika zamakasitomala pazochitika zilizonse zokayikitsa, kuwonetsetsa kuti zikutsatira malamulo a KYC. |
"Kusamala koyenera kwamakasitomala ndi gawo lofunikira kwambiri panjira ya KYC, kulola mabungwe azachuma kuti awone zomwe makasitomala ali nazo komanso kupewa milandu yomwe ingachitike pazachuma."
"CDD imathandizira mabungwe azachuma kumvetsetsa makasitomala awo ndikuchepetsa ziwopsezo zomwe zingachitike chifukwa chobera ndalama komanso kuchita zigawenga."
Zofunikira za KYC: Kulimbikira Kwambiri (EDD)
Kupititsa patsogolo changu (EDD) ndi gawo lofunikira kwambiri Zofunikira za KYC zomwe cholinga chake ndi kuzindikira ndi kuyang'anira makasitomala omwe ali pachiwopsezo chachikulu. Kuwunika kowonjezeraku ndikofunikira kuti muwonetsetse kutsatira malamulo odana ndi kuba ndalama (AML) ndikuletsa milandu yazachuma monga kubera ndalama, kuthandizira ndalama zauchigawenga, ndi chinyengo.
Panthawi ya EDD, mabungwe azachuma amapitilira njira zoyeserera za kasitomala (CDD) kuti asonkhanitse zambiri ndikuwunika mozama mbiri ya kasitomala ndi ntchito zake. Izi zikuphatikiza kuwunika komwe kasitomala amapezera ndalama, ubale wamabizinesi, ndi zinthu zilizonse zomwe zitha kukhala pachiwopsezo chachikulu.
Cholinga chachikulu cha EDD ndikumvetsetsa bwino za ngozi ya kasitomala ndikuwona mbendera zofiira zomwe zingasonyeze ntchito zoletsedwa. Pogwiritsa ntchito njira za EDD, mabungwe azachuma amatha kupititsa patsogolo ntchito zawo zowongolera zoopsa ndikulimbitsa zonse Kutsata kwa KYC chimango.
EDD imagwira ntchito ngati chitetezo chofunikira pamilandu yazachuma, kuwonetsetsa kuti mabungwe ali ndi njira yokhazikika yodziwira ndi kuyang'anira makasitomala omwe ali pachiwopsezo chachikulu. Kupyolera mu kusonkhanitsa zidziwitso zowonjezera komanso kufufuza mozama za khalidwe la makasitomala, EDD imapereka chidziwitso chozama cha zoopsa zomwe zingatheke ndipo zimathandiza mabungwe kuchitapo kanthu kuti athe kuchepetsa.
| Zinthu Zofunika Kwambiri Pakulimbikira Kwambiri (EDD) | Importance |
|---|---|
| Mbiri Yamakasitomala Yokwezeka | Pofufuza mwatsatanetsatane mbiri yamakasitomala, mayanjano abizinesi, ndi njira zogulitsira, mabungwe azachuma atha kumvetsetsa mozama za kuchuluka kwa chiwopsezo cha kasitomala. |
| Chizindikiritso Chowopsa Kwambiri | EDD imathandiza kuzindikira zizindikiro zomwe zingakhale zoopsa kwambiri monga kuchuluka kwazinthu zachilendo, ndalama zosagwirizana ndi ndalama, ndi zovuta za umwini, zomwe zimathandiza mabungwe kufufuza mozama ndikuchitapo kanthu ngati kuli kofunikira. |
| Kuyang'anira ndi Kupereka Malipoti Kwawongoleredwa | Mabungwe azachuma akuyenera kukhazikitsa njira zolimba zowunikira komanso kupereka malipoti kwa makasitomala omwe ali pachiwopsezo chachikulu. Izi zikuphatikiza kuwunika pafupipafupi zochitika zamakasitomala, kuyang'anira zomwe zikuchitika, ndikupereka lipoti zokayikitsa kwa akuluakulu oyenerera. |
Kukhazikitsa njira za EDD kumatha kubweretsa zovuta kwa mabungwe azachuma chifukwa chazinthu zowonjezera komanso ukatswiri wofunikira. Komabe, zovuta izi zitha kuchepetsedwa ndikugwiritsa ntchito njira zamaukadaulo zomwe zimasinthira ndikuwongolera njira ya EDD. Kusanthula kwatsatanetsatane kwa data, luntha lochita kupanga (AI), ndi kuphunzira pamakina kungathandize mabungwe kuzindikira machitidwe ndi zolakwika zomwe zingafunike kufufuza kwina.
Pomaliza, kulimbikira koyenera (EDD) ndichinthu chofunikira kwambiri pazofunikira za KYC zomwe zimathandiza mabungwe azachuma kuzindikira ndikuwongolera makasitomala omwe ali pachiwopsezo chachikulu. Podutsa njira zoyenera zoyendetsera makasitomala mosamala, mabungwe amatha kumvetsetsa bwino momwe kasitomala amavutikira ndikuchitapo kanthu kuti apewe milandu yazachuma. Ngakhale kukhazikitsa EDD kungakhale kovuta, kugwiritsa ntchito njira zamakono zothandizira kungathandize kuchepetsa ndondomekoyi ndikuwonjezera kuyesetsa kutsata.
Kutsata kwa KYC: AML ndi KYC
Kutsata kwa KYC kumagwirizana kwambiri ndi zoyeserera zotsutsana ndi kuba ndalama (AML). Bungwe la US Financial Crimes Enforcement Network (FinCEN) likufuna kuti makasitomala ndi mabungwe azachuma atsatire miyezo ya KYC kuti apewe kuchita zinthu zosaloledwa, makamaka kubera ndalama. Mabungwe azachuma akuyenera kumvetsetsa mtundu ndi cholinga cha ubale wamakasitomala, kupanga mbiri yowopsa yamakasitomala, ndikusunga chidziwitso cholondola chamakasitomala. Kuyang'anira kosalekeza kwamaakaunti azinthu zokayikitsa ndikofunikiranso. Kutsata kwa KYC ndikofunikira popewa milandu yazachuma komanso kutsatira malamulo omwe akugwira ntchito.
Kutsata kwa KYC ndi AML
Kutsata kwa KYC kumagwira ntchito yofunika kwambiri polimbana ndi kuba ndalama ndi milandu ina yazachuma. Pokhazikitsa njira zogwirira ntchito za KYC, mabungwe azachuma amatha kuzindikira ndikuletsa zochitika zosavomerezeka ndikuteteza makasitomala awo, kukhulupirika kwadongosolo lazachuma, komanso mbiri yawo. Njira za KYC zikuphatikiza kutsimikizira makasitomala, kuwunika zomwe ali pachiwopsezo, ndikuwunika zomwe achita. Potsatira izi mosamala, mabungwe azachuma amatha kuthandizira zoyeserera za AML ndikuwonetsetsa kuti akutsatira malamulo ndi malamulo ofunikira.
"Kutsata kwa KYC ndi gawo lofunikira kwambiri pakuyesa kwa AML pazachuma. Zimathandizira mabungwe azachuma kuchepetsa chiwopsezo cha kuwononga ndalama ndi milandu ina yazachuma powonetsetsa kuti ali ndi chidziwitso cholondola komanso chaposachedwa chokhudza makasitomala awo. Pokhazikitsa chidziwitso chokwanira cha kasitomala aliyense komanso mbiri yake yomwe ili ndi chiopsezo, mabungwe azachuma amakhala okonzeka kuzindikira ndikupereka malipoti okayikitsa omwe achitika. Kutsatira KYC sikungofunika kuwongolera komanso ndi gawo lofunikira pakuteteza kukhulupirika kwa kayendetsedwe kazachuma. ”
Oyang'anira ndi maulamuliro padziko lonse lapansi amazindikira Mtengo wapatali wa magawo KYC kutsata popewa milandu yazachuma. Iwo akhazikitsa ndondomeko zolimba ndi malangizo owonetsetsa kuti mabungwe azachuma akutsatira miyezo ya KYC. Malamulowa nthawi zambiri amaphatikiza zofunikira pakuzindikiritsa makasitomala, kulimbikira, ndi kuwunika kosalekeza. Potsatira malamulowa, mabungwe azachuma atha kuthandizira kuti pakhale njira yotetezeka komanso yotetezeka yazachuma, kulimbikitsa kukhulupirirana ndi chidaliro pakati pa makasitomala, owongolera, ndi anthu.
| Mfundo Zowunika | Ubwino Wotsatira KYC |
|---|---|
| 1 | Kupewa kuwononga ndalama ndi zigawenga zandalama |
| 2 | Kupititsa patsogolo kukhulupirika kwa kayendetsedwe kazachuma |
| 3 | Kuteteza makasitomala ku chinyengo ndi kuba |
| 4 | Kutsatira zofunikira zamalamulo ndikupewa zilango |
Pomaliza, kutsata kwa KYC ndichinthu chofunikira kwambiri pakuyesa kwa AML muzachuma. Imathandiza kupewa kuba ndalama mwachinyengo, kupereka ndalama kwa zigawenga, ndi milandu ina yazachuma poonetsetsa kuti mabungwe azachuma ali ndi uthenga wolondola komanso wamakono kwa makasitomala. Potsatira malamulo ndi malangizo a KYC, mabungwe azachuma amatha kuthandizira kukhulupirika ndi kukhazikika kwa kayendetsedwe kazachuma ndikuteteza makasitomala awo komanso mbiri yawo.
KYC ndi Cryptocurrency
Kukwera kwa ma cryptocurrencies kwabweretsa chidwi pakufunika kwa KYC pamsika wazinthu za digito. Ma Cryptocurrencies amapereka njira yosinthira, yomwe ingathandize kuwononga ndalama ndi ntchito zosaloledwa. Mabungwe olamulira akuganiza zoika zofunikira za KYC pamapulatifomu a cryptocurrency kuti athane ndi izi. Ngakhale sizinali zovomerezeka, mapulatifomu ambiri a crypto akhazikitsa machitidwe a KYC kuti agwirizane ndi mabungwe azachuma ndi malangizo owongolera. KYC mu cryptocurrency danga kumathandiza kuonetsetsa poyera ndi kupewa kuchita zachinyengo.
Gawo limodzi lofunikira komwe KYC ikukhala yofunika kwambiri ndi gawo la kasino wa crypto. Mapulatifomu a pa intaneti awa amalola ogwiritsa ntchito kutchova njuga ndi ma cryptocurrencies, kuwapangitsa kukhala okopa kwa osewera ovomerezeka komanso omwe ali ndi zolinga zoyipa. Ndi kusadziwika komwe kumaperekedwa ndi ma cryptocurrencies, kumakhala kofunikira kuti ma kasino a crypto agwiritse ntchito njira zolimba za KYC. Kutsimikizira za makasitomala ndi kusonkhanitsa zidziwitso zoyenera kungathandize kupewa kuwononga ndalama, chinyengo, ndi kudyera masuku pamutu anthu omwe ali pachiwopsezo.
Gome:
| Ubwino wa KYC mu Msika wa Cryptocurrency |
|---|
| KYC imathandizira kuletsa kuwononga ndalama ndi ntchito zosaloledwa m'malo a crypto. |
| Kukhazikitsa machitidwe a KYC kumatsimikizira kutsatiridwa ndi malangizo owongolera. |
| Kutsimikizira zamakasitomala kumathandiza kupewa kuchita zachinyengo. |
| Njira za KYC zimakulitsa kuwonekera komanso kudalira msika wa crypto. |
Pogwiritsa ntchito ma protocol a KYC, ma kasino a crypto amatha kukhazikitsa kukhulupirika ndi chitetezo kwa ogwiritsa ntchito. Zimawalola kuti adzisiyanitse okha ngati ogwira ntchito omwe ali ndi udindo komanso omvera pamakampani omwe akupita patsogolo. Ngakhale ena angatsutse kuti KYC ikutsutsana ndi mfundo zosadziwika zomwe cryptocurrencies imapereka, kukhazikitsidwa kwake ndikofunikira kuti ateteze ogwiritsa ntchito ndikusunga kukhulupirika kwa msika wazinthu za digito.
Kuonetsetsa Msika Wotetezeka komanso Wovomerezeka wa Crypto
Zochita za KYC sizimangothandiza kupewa zinthu zosaloledwa komanso zimathandizira kuti msika wa cryptocurrency ukhale wokhazikika. Pokwaniritsa zofunikira za KYC, nsanja za crypto zitha kukhazikitsa malo otetezeka omwe ogwiritsa ntchito amatha kuchita zinthu zovomerezeka popanda kuopa zachinyengo kapena zachinyengo.
amagwira:
"KYC ndiyofunikira pakukula ndi kuvomereza ndalama za crypto monga njira yovomerezeka yandalama ya digito. Powonetsetsa kuti zinthu zikuyenda bwino komanso kuti zikuyenda bwino, titha kudalira komanso kukopa anthu ambiri pamsika wa crypto. " - Katswiri wamakampani a Crypto.
Pamene msika wa cryptocurrency ukupitabe patsogolo, zikutheka kuti zofunikira za KYC zikhala zofala komanso zolimba. Izi zidzateteza onse omwe ali ndi ndalama komanso mbiri ya ndalama za digito. Zochita za KYC mumsika wa crypto ndi sitepe yakutsimikizira msika ndikuwonetsetsa kuti zikuyenda bwino.
Chitsimikizo cha KYC: Kufunika Kotsimikizira Zozindikiritsa Makasitomala
Kutsimikizira kwa KYC ndi mbali yofunika kwambiri ya Njira ya KYC. Zimaphatikizapo kukhazikitsa ndi kutsimikizira makasitomala omwe ali makasitomala kudzera m'njira zosiyanasiyana, monga kutsimikizira khadi la ID, kutsimikizira nkhope, ndi kutsimikizira zikalata. Kutsimikizira kwa KYC zimathandiza kuonetsetsa kuti makasitomala ndi omwe amadzinenera kuti ndi ndipo zimathandiza kupewa kuba ndi chinyengo.
Chimodzi mwa zolinga zazikulu za Kutsimikizira kwa KYC ndi kuchepetsa ziwopsezo zobwera chifukwa chakuba ndalama ndi zigawenga. Potsimikizira mosamalitsa zidziwitso zamakasitomala, mabungwe azachuma amatha kuchepetsa mwayi wa ndalama zosaloledwa kulowa mudongosolo. Izi zimathandiza kuteteza kukhulupirika kwa kayendetsedwe kazachuma ndikuwonetsetsa kuti mabizinesi atha kugwira ntchito pamalo otetezeka.
"Kutsimikizira kwa KYC ndimwala wapangodya pakuwongolera makasitomala. Zimalola mabungwe azachuma kukhazikitsa chidaliro ndi makasitomala awo, ndikuwonetsetsa kuti anthu ovomerezeka okha ndi omwe amapatsidwa mwayi wopeza ntchito zawo, "atero Jane Smith, katswiri wa KYC ku XYZ Financial Services.
Njira yotsimikizira za KYC nthawi zambiri imaphatikizapo kupempha makasitomala kuti apereke zikalata zoyenera kuti zitsimikizire. Zikalatazi zingaphatikizepo ziphaso zoperekedwa ndi boma, mapasipoti, kapena ziphaso zoyendetsera galimoto. Kuphatikiza apo, makasitomala angafunikire kupereka zikalata zowonjezera kuti atsimikizire maadiresi awo, monga mabilu ogwiritsira ntchito kapena zikalata zakubanki.
| Ubwino Wotsimikizira KYC | Zovuta za Kutsimikizika kwa KYC |
|---|---|
|
|
Kutsimikizira kwa KYC ndi gawo lofunikira kwambiri pamakampani azachuma kuti awonetsetse kuti makasitomala ndi oona komanso kuthana ndi milandu yazachuma. Pokhazikitsa njira zotsimikizirira komanso kutsatira zofunikira pakuwongolera, mabungwe azachuma amatha kukhazikitsa chidaliro ndi makasitomala awo ndikuthandizira kuti pakhale dongosolo lazachuma lotetezeka komanso lowonekera.
KYC mu Gawo la Mabanki: Kuzindikiritsa Makasitomala ndi Kulimbikira Kwambiri
Gawo lakubanki ndi limodzi mwamagawo ofunikira pomwe zofunikira za Know Your Customer (KYC) zimakhala ndi gawo lofunikira. KYC mu gawo la banki imakhudzanso kuzindikiritsa makasitomala ndikuchita mosamala kuti awone zoopsa. Mabungwe azachuma ali ndi udindo wotsimikizira makasitomala awo, kuphatikiza eni mabizinesi opindulitsa, ndikuwunikanso maakaunti amakasitomala ngati ali ndi vuto lililonse lokayikitsa kapena losaloledwa.
Kuzindikiritsa Makasitomala ndichinthu chofunikira kwambiri pa KYC m'mabanki. Mabanki akuyenera kupeza zambiri zolondola za makasitomala awo, kuphatikiza dzina lawo lonse, tsiku lobadwa, adilesi, ndi nambala yake yodziwika. Izi ndizofunikira pakukhazikitsa kasitomala ndikutsatira malamulo a KYC. Mabanki angafunike kuti makasitomala apereke ziphaso zoperekedwa ndi boma, monga ziphaso zoyendetsa galimoto kapena mapasipoti, kuti atsimikizire kuti ndi ndani.
Kulimbikira ndi gawo lina lofunikira la KYC m'mabanki. Zimakhudzanso kuwunika kuopsa kokhudzana ndi kasitomala posonkhanitsa zambiri zabizinesi yawo, zochitika zachuma, ndi gulu lomwe limakhala pachiwopsezo. Mabanki akuyenera kuwonetsetsa kuti akumvetsetsa bwino momwe kasitomala amagwirira ntchito kuti azindikire ndikuletsa zochitika zandalama zosaloledwa, monga kubera ndalama kapena kupereka ndalama zauchigawenga.
Mwachidule, zofunikira za KYC m'mabanki zimayang'ana kuzindikira makasitomala, kumvetsetsa zochita zawo, ndikuchita mosamala kuti awone zoopsa. Potsatira izi, mabanki amatha kusunga kukhulupirika kwa kayendetsedwe kazachuma, kuchepetsa kuopsa kwa milandu yazachuma, ndikutsatira malangizo owongolera.
Zolemba za KYC: Umboni Wodziwika ndi Adilesi
Njira ya KYC imafuna kuti makasitomala apereke zikalata zenizeni zotsimikizira kuti ndi ndani komanso ma adilesi awo. Zolemba izi ndizofunikira pakutsimikizira zambiri zamakasitomala komanso kutsatira malamulo a KYC. Nazi zina zolembedwa zomwe mabungwe azachuma amafuna nthawi zambiri:
- ID yoperekedwa ndi boma: Makasitomala nthawi zambiri amafunsidwa kuti apereke ID yovomerezeka yoperekedwa ndi boma monga laisensi yoyendetsa, pasipoti, satifiketi yobadwa, kapena khadi lachitetezo cha anthu. Mabungwe ena angafunike mitundu iwiri ya ID kuti atsimikizirenso.
- Umboni wa adilesi: Makasitomala akuyenera kupereka zikalata zomwe zimatsimikizira ma adilesi awo. Izi zitha kuchitika popereka ndalama zothandizira, zikalata zakubanki, kapena mapangano obwereketsa. Chikalatacho chiyenera kuwonetsa dzina la kasitomala ndi adilesi yake ndipo ziyenera kukhala zaposachedwa (m'miyezi itatu yapitayi) kuti zitsimikizire zolondola.
Mabungwe azachuma amagwiritsa ntchito zikalatazi kuti atsimikizire zowona zamakasitomala ndikutsimikizira malo awo okhala. Kuzindikiritsa koyenera ndi kutsimikizira maadiresi ndizofunikira kwambiri pakutsata kwa KYC, chifukwa zimathandizira kuchepetsa ziwopsezo zobwera chifukwa chakuba ndalama, chinyengo, ndi zinthu zina zosaloledwa.
Ndikofunikira kuti mabungwe azachuma awunikenso mosamala ndikutsimikizira zolembedwazi kuti asunge kukhulupirika kwa njira ya KYC. Njira zotsimikizira mwamphamvu zimathandizira kupewa kuba, kuonetsetsa kuti zikutsatira malamulo, komanso kuteteza makasitomala ndi mabizinesi kumilandu yazachuma.
Kufunika Kotsimikizira KYC Moyenera
Kutsimikizira koyenera kwa KYC ndikofunikira pazachuma masiku ano. Imalola mabungwe kukhazikitsa chidaliro ndi makasitomala awo, kupewa zachinyengo, komanso kutsatira malamulo. Mwa kusonkhanitsa ndi kutsimikizira zikalata zofunika, mabungwe azachuma akhoza kuonetsetsa kuti chidziwitso cha makasitomala ndi cholondola komanso kuchepetsa chiopsezo cha ntchito zoletsedwa.
Ndi kukwera kwa matekinoloje a digito, njira zotsimikizira za KYC zakhala zosinthika komanso zogwira mtima. Mayankho otsimikizira zodziwikiratu ndi matekinoloje a biometric, monga kuzindikira nkhope ndi macheke a zala, zimakulitsa kulondola ndi chitetezo cha njira yotsimikizira. Zatsopanozi zimathandizira kukwera mwachangu, kuchepetsa zolemba zamanja, komanso kupereka mwayi kwamakasitomala kwinaku akusungabe mfundo zotsatizana.
| Zolemba za KYC | Umboni Wodziwika | Umboni wa Adilesi |
|---|---|---|
| Chiphaso choperekedwa ndi boma | Layisensi yoyendetsa, pasipoti, satifiketi yobadwa, khadi yachitetezo cha anthu | Mabilu othandizira, malipoti aku banki, mapangano obwereketsa |
| Zaposachedwa komanso Zovomerezeka | Zovomerezeka komanso sizikugwira ntchito | M'miyezi itatu yapitayi |
Pokhazikitsa njira zotsimikizira za KYC ndikugwiritsa ntchito matekinoloje apamwamba, mabungwe azachuma amatha kuteteza makasitomala awo komanso kukhulupirika kwazachuma chonse.
KYC Kutsata Zovuta ndi Mtengo
Kutsatira malamulo a Know Your Customer (KYC) kumabweretsa zovuta ku mabungwe azachuma, potengera ndalama komanso zovuta. Kuchulukirachulukira kwa zofunikira pakuwongolera komanso kufunikira kwamakasitomala mosamalitsa kwapangitsa kuti mabizinesi azikwera mtengo. Malinga ndi kafukufuku, mabungwe azachuma amatha kugwiritsa ntchito madola mamiliyoni ambiri pachaka pakutsata KYC. Ndalamazi zikuphatikiza ndalama zaukadaulo, ogwira ntchito, maphunziro, ndi ntchito zina.
Kuvuta kwa kutsata kwa KYC kumabwera chifukwa chosowa kusonkhanitsa ndi kutsimikizira zambiri zamakasitomala, kuwunika zoopsa, ndikukhazikitsa njira zowunikira. Mabungwe azachuma akuyenera kuzindikira ndi kutsimikizira makasitomala awo, kuwunika mbiri yawo yomwe ali pachiwopsezo, ndikuyang'anira zochitika zawo zomwe zikukayikitsa. Kukwaniritsa izi kumaphatikizapo kupanga ndi kusunga mapulogalamu a KYC omwe amasinthidwa ndikusinthidwa kuti agwirizane ndi zomwe zikuchitika komanso machitidwe abwino amakampani.
Kutsatira malamulo a KYC kumafuna ndalama zambiri kuti mupange ndikusunga madongosolo a KYC. Malinga ndi kafukufuku, ndalama zoyendetsera ndalama zimatha kufika madola mamiliyoni ambiri pachaka kwa mabungwe azachuma.
Vuto lina pakutsata kwa KYC ndikufunika kopitilirabe zosintha zamakasitomala ndikuwunika pafupipafupi. Mabungwe azachuma amayenera kuwonetsetsa kuti zambiri zamakasitomala zimakhala zolondola komanso zaposachedwa, kuchita cheke pafupipafupi kuti azindikire kusintha kulikonse kwa mbiri yamakasitomala kapena mbendera zofiira zomwe zingachitike. Kuyang'anira kosalekezaku kumafuna zida zodzipatulira ndi machitidwe apamwamba omwe amatha kusanthula deta yochulukirapo ndikuwona zochitika zilizonse zokayikitsa.
Ngakhale pali zovuta komanso mtengo wake, kutsata kwa KYC ndikofunikira kuti mabungwe azachuma ateteze chinyengo, kuba ndalama, ndi milandu ina yazachuma. Zimathandizira kuteteza kukhulupirika kwa kayendetsedwe kazachuma, kuteteza makasitomala ndi mabizinesi kuti asatayike chifukwa chandalama zosaloledwa ndi zochitika, ndikuwonetsetsa kuti malamulo akutsatira malamulo. Ngakhale mtengo wotsatira wa KYC ukhoza kukhala wokulirapo, ndindalama zofunika kuti musunge chidaliro, chitetezo, komanso chidaliro pazachuma.
Kuwonongeka kwa Mtengo Wotsatira wa KYC
| Mtengo Category | Peresenti ya Ndalama Zonse |
|---|---|
| Technology Investments | 35% |
| Ogwira Ntchito ndi Maphunziro | 25% |
| Ntchito Zachitatu | 20% |
| Monitoring and Reporting Systems | 15% |
| Kufufuza Zogwirizana | 5% |
Njira Zatsopano za KYC: Digitalization ndi Biometrics
Masiku ano, matekinoloje atsopano asintha momwe timayendera njira za Know Your Customer (KYC). Kusintha kwa digito kwa njira za KYC komanso kugwiritsa ntchito ma biometric kwatulukira ngati osintha masewera pakulimbikitsa kuchita bwino komanso chitetezo cha njira za KYC.
Udindo wa Digitalization
Kusintha kwa digito kwa njira za KYC kwabweretsa kupita patsogolo kwakukulu pakuwongolera kukwera kwamakasitomala ndikuchepetsa njira zamachitidwe. Chidziwitso cha digito mayankho otsimikizira amathandizira kutsimikizira zodziwikiratu zamakasitomala, kuchotseratu kufunikira kwa kuyendera munthu payekha komanso zolemba. Izi sizimangopulumutsa nthawi ndi chuma komanso zimakulitsa luso la kasitomala. Ndi malo otetezedwa pa intaneti, makasitomala amatha kutumiza ziphaso zawo mosavuta ndikumaliza njira ya KYC kuchokera kunyumba zawo.
Mphamvu ya Biometrics
Matekinoloje a biometric, monga kuzindikira nkhope ndi macheke a zala, achulukirachulukira mumayendedwe a KYC. Njira zapamwambazi zimapereka chitetezo chokwanira komanso kulondola pakutsimikizira makasitomala. Pogwiritsa ntchito mawonekedwe apadera a biometric, mabungwe azachuma amatha kuwonetsetsa kuti makasitomala ndi omwe amadzinenera kuti ndi, kuchepetsa chiopsezo cha kuba ndi chinyengo. Biometrics imapereka njira yodalirika komanso yodalirika yotsimikizira kuti ndi ndani, zomwe zimathandiza mabungwe azachuma kuti atetezedwe ku zophwanya chitetezo zomwe zingachitike.
Ubwino wa Digitalization ndi Biometrics
Kuphatikiza kwa digito ndi ma biometric mu njira za KYC kumapereka maubwino angapo. Choyamba, imapangitsa kuti ntchitoyo ikhale yogwira mtima komanso yothamanga kwambiri, zomwe zimathandiza mabungwe azachuma kuti azitha kupeza makasitomala mwachangu komanso mopanda malire. Kachiwiri, kugwiritsa ntchito ma biometrics kumachepetsa kwambiri chiwopsezo chakuchita zachinyengo powonetsetsa kuti makasitomala ndi oona. Pomaliza, kuphatikiza kwa digito ndi ma biometric kumawongolera chitetezo chonse komanso kulondola kwa njira za KYC, kuteteza makasitomala ndi mabungwe azachuma ku zoopsa zomwe zingachitike.
Mwachidule, kuyika kwa digito kwa njira za KYC komanso kugwiritsa ntchito ma biometric kukusintha momwe timayendera zotsimikizira. Njira zatsopanozi zimakulitsa luso, chitetezo, komanso kulondola kwa njira za KYC, zomwe zimapindulitsa makasitomala ndi mabungwe azachuma. Pomwe ukadaulo ukupitilira kupita patsogolo, tsogolo la KYC mosakayikira lidzawumbidwa ndi kupita patsogolo kwina chiwerengero cha digito mayankho ndi matekinoloje a biometric.
The Global Landscape of KYC: AMLD Directive and Regulations
Malamulo a KYC amagwira ntchito yofunika kwambiri poletsa kuwononga ndalama komanso zigawenga padziko lonse lapansi. Ku Ulaya, malamulo achinayi ndi achisanu oletsa kuwononga ndalama (AMLD4 ndi AMLD5) adayambitsa zofunikira kuti mabungwe azachuma azitsatira. Malangizowa akugogomezera kufunikira komvetsetsa makasitomala, kuchita khama, komanso kusunga miyezo yokhwima ya KYC.
Pansi pa malangizo a AMLD4 ndi AMLD5, mabungwe azachuma akuyenera kukhazikitsa zizindikiritso zamakasitomala ndi njira zolimbikira. Izi zikuphatikiza kutsimikizira makasitomala omwe ali, kuyang'anira maakaunti amakasitomala nthawi zonse, ndikupereka malipoti okayikitsa kwa akuluakulu oyenerera. Potsatira malamulowa, mabungwe azachuma angathandize pankhondo yapadziko lonse yolimbana ndi milandu yazachuma.
| Zofunikira za AMLD4 ndi AMLD5: | Impact pa Financial Institutions: |
|---|---|
| Kulimbikira Kwamakasitomala (CDD) | Mabungwe azachuma amayenera kuyika ndalama muukadaulo wapamwamba komanso ukadaulo kuti achite bwino ma CDD kwa makasitomala omwe ali pachiwopsezo chachikulu. |
| Njira Yotengera Zowopsa | Mabungwe azachuma akuyenera kupanga mbiri yachiwopsezo kwa makasitomala awo ndikugwiritsa ntchito njira zoyenera zochepetsera chiopsezo molingana ndi zomwe zikuchitika. |
| Chizindikiritso cha Ultimate Beneficial Ownership (UBO). | Mabungwe azachuma akuyenera kuzindikira ndi kutsimikizira eni eni opindulitsa kwambiri a mabungwe ovomerezeka kuti aletse kubera ndalama kudzera m'mabungwe ovuta. |
| Kuwunika Kuopsa kwa Makasitomala | Mabungwe azachuma amayenera kuwunika ndikuyika makasitomala m'magulu potengera mbiri yawo yomwe ali pachiwopsezo kuti adziwe kuchuluka kwa kulimbikira koyenera. |
| Kusunga zolemba | Mabungwe azachuma amayenera kukhala ndi zolemba zolondola komanso zamakono za kasitomala, zomwe zachitika, komanso kulimbikira. |
Ponseponse, malangizo a AMLD alimbitsa kwambiri malamulo a KYC ndi zofunikira zotsatiridwa ndi mabungwe azachuma. Potsatira malamulowa, mayiko akufuna kuteteza njira zawo zachuma kuti zisagwiritsidwe ntchito ngati njira zogwirira ntchito zosaloledwa. Mabungwe azachuma amayenera kukhala odziwa zambiri ndikusintha malamulowa kuti atsimikizire kutsatiridwa kwathunthu ndikusunga kukhulupirika kwadongosolo lazachuma padziko lonse lapansi.
Tsogolo la KYC: Digital Identity ndi Centralization
Tsogolo la Know Your Customer (KYC) lakhazikitsidwa kuti liwumbidwe ndi kupita patsogolo chiwerengero cha digito matekinoloje ndi kuchuluka kuphatikiza za data kasitomala. Zomwe zikuchitikazi zimapereka njira zatsopano zopititsira patsogolo magwiridwe antchito ndi chitetezo cha njira za KYC, kuwongolera zomwe makasitomala amakumana nazo komanso kutsata malamulo.
Mayankho a ID ya digito amatenga gawo lalikulu mtsogolo mwa KYC. Mayankho awa amathandizira ukadaulo wodzipangira okha ndikuwongolera njira yamakasitomala, kuchepetsa zolemba zamakalata ndi njira zotsimikizira. Pogwiritsa ntchito njira zotsimikizira zidziwitso za digito monga kutsimikizira makadi a ID, kutsimikizira nkhope, ndi kutsimikizira zikalata, mabungwe azachuma amatha kukhazikitsa ndikutsimikizira makasitomala awo motetezeka komanso moyenera.
Kuphatikiza pa chidziwitso cha digito, tsogolo la KYC limakhudzanso kuphatikiza za data kasitomala. Poyika zidziwitso zamakasitomala, mabungwe azachuma amatha kumvetsetsa bwino makasitomala awo ndikuwunika bwino zomwe ali pachiwopsezo. Njira yapakatiyi imathandizira kuyang'anira bwino zochitika ndi zochitika zamakasitomala, ndikupangitsa kuti anthu adziwike msanga za machitidwe okayikitsa komanso milandu yomwe ingachitike pazachuma.
Ubwino wa Digital Identity ndi Centralization mu KYC
Kukhazikitsidwa kwa chidziwitso cha digito ndi kuphatikiza mu KYC imapereka maubwino angapo kwa mabungwe azachuma komanso makasitomala. Zina mwazabwino zake ndi izi:
- Kuchita Bwino Kwambiri: Mayankho ozindikiritsa a digito amawongolera njira yolowera, kuchepetsa nthawi ndi khama zomwe zimafunikira kuchokera kwa makasitomala ndi mabungwe azachuma.
- Chitetezo Cholimbidwa: Njira zotsimikizira zozindikiritsa za digito, monga matekinoloje a biometric, zimapereka chitetezo chapamwamba poyerekeza ndi njira zozindikiritsira zakale.
- Kudziwa Kwamakasitomala Bwino: Kugwiritsa ntchito zidziwitso za digito ndikuyika pakati kumathandizira njira ya KYC kwa makasitomala, zomwe zimapangitsa kuti mukhale ndi chidziwitso chosavuta komanso chosavuta.
- Kuyang'ana Ngozi Yogwira Ntchito: Kuyika pakati pa data yamakasitomala kumapangitsa kuunika kwathunthu kwa mbiri yangozi yamakasitomala, kupangitsa mabungwe azachuma kuzindikira ndikuchepetsa zoopsa zomwe zingachitike bwino.
Ponseponse, tsogolo la KYC lagona pakugwiritsa ntchito matekinoloje ozindikiritsa digito ndikuyika pakati deta yamakasitomala. Kupititsa patsogolo kumeneku sikungowonjezera chitetezo ndi mphamvu ya njira ya KYC komanso kumathandizira kuti kayendetsedwe kazachuma kakhale kogwirizana.
Ubwino wa KYC: Kuteteza Kuphwanya Zachuma
KYC imagwira ntchito yofunika kwambiri pazachuma poteteza ku zigawenga zachuma, makamaka kubera ndalama komanso kuchita zigawenga. Pokhazikitsa njira zolimba za KYC, mabungwe azachuma amatha kutsimikizira makasitomala awo, kuwunika mbiri yawo yomwe ali pachiwopsezo, ndikuwunika momwe amachitira zinthu zokayikitsa.
Chimodzi mwazabwino zazikulu za KYC ndikuwonetsetsa kuti zikutsatira malamulo. Potsatira zofunikira za KYC, mabungwe azachuma amatha kukwaniritsa zomwe akuyenera kuchita malinga ndi malamulo odana ndi kuba ndalama ndikupewa zilango ndi zotsatirapo zamalamulo. Njira za KYC zimathandiziranso kuteteza kukhulupirika kwa kayendetsedwe kazachuma poletsa kulowa kwandalama zosaloledwa komanso kuteteza makasitomala ndi mabizinesi ku chinyengo ndi kutayika kobwera chifukwa chakuchita zinthu mosaloledwa.
Kuphatikiza apo, KYC imakulitsa chitetezo chonse chazachuma. Potsimikizira makasitomala omwe ali nawo ndikuwunika momwe alili omwe ali pachiwopsezo, mabungwe azachuma amatha kuzindikira ndikuchepetsa kuwopsa komwe kungachitike chifukwa chobera ndalama, kupereka ndalama zauchigawenga, ndi zinthu zina zosaloledwa. Izi zimathandiza kusunga chikhulupiriro ndi chidaliro cha makasitomala ndi stakeomwe ali ndi ndondomeko ya zachuma.
"Njira za KYC zimathandizira mabungwe azachuma kuzindikira ndi kutsimikizira makasitomala awo, kuwunika zomwe ali pachiwopsezo, ndikuwunika momwe amachitira zinthu zokayikitsa."
Ponseponse, zabwino za KYC ndizambiri. Pokhazikitsa njira zogwirira ntchito za KYC, mabungwe azachuma amatha kuchepetsa kuopsa kwa umbanda pazachuma, kuteteza ntchito zawo, ndikuthandizira kukhulupirika ndi kukhazikika kwadongosolo lazachuma padziko lonse lapansi.
Udindo wa KYC Pakuwonetsetsa Zochita Zotetezedwa
KYC (Dziwani Makasitomala Anu) imagwira ntchito yofunika kwambiri pakuwonetsetsa kuti mukuchita zinthu motetezeka potsimikizira makasitomala omwe ali nawo komanso kuwunika zomwe ali pachiwopsezo. Ndikofunikira kuti mabungwe azachuma akhazikitse zenizeni zamakasitomala ndikuyang'anira zochitika zawo pazochitika zokayikitsa. Pogwiritsa ntchito njira za KYC, mabizinesi amatha kupewa zachinyengo, kuba ndalama, komanso kupereka ndalama zauchigawenga, pamapeto pake kupititsa patsogolo chitetezo chazachuma ndikuteteza zokonda za makasitomala ndi mabungwe azachuma.
Chimodzi mwazifukwa zazikulu zomwe KYC ndiyofunikira kwambiri ndi gawo lake pochepetsa kuopsa kokhudzana ndi umbanda wazachuma. Pochita chizindikiritso chamakasitomala komanso kulimbikira, mabungwe azachuma amatha kuwunika molondola zomwe kasitomala aliyense angakumane nazo ndikuzindikira mbendera zofiira zilizonse. Izi zimathandiza kupewa ndalama zosaloledwa kulowa m'dongosolo lazachuma ndikuwonetsetsa kuti zikutsatira malamulo oletsa kuwononga ndalama.
Kuphatikiza apo, KYC imathandizira kusunga kukhulupirika kwadongosolo lazachuma polimbikitsa kukhulupilika pakati pa makasitomala ndi mabizinesi. Potsimikizira makasitomala, mabungwe azachuma amatha kutsimikizira kulondola kwa zochitika ndikuteteza makasitomala kuzinthu zachinyengo. KYC imathandizanso kupewa kuba zidziwitso, chifukwa imafuna makasitomala kuti apereke zikalata zodalirika komanso umboni wa adilesi, kuchepetsa chiopsezo chokhala ndi akaunti yosaloledwa.
"KYC imagwira ntchito yofunika kwambiri pakuwonetsetsa kuti pachitika zinthu zotetezeka, kuteteza ku umbanda wazachuma, komanso kusunga kukhulupirika kwazachuma."
Chifukwa chakuchulukirachulukira kwakusinthana kwa digito komanso kukwera kwa ndalama za crypto, kufunikira kwa njira zamphamvu za KYC kwadziwika kwambiri. Mayankho otsimikizira chidziwitso cha digito ndi matekinoloje a biometric amapereka njira zatsopano zolimbikitsira kuchita bwino komanso chitetezo cha njira za KYC. Kupititsa patsogolo kumeneku kumathandizira makasitomala kukwera, kuchepetsa zolemba zamanja, ndikupereka chitetezo chowonjezereka monga kuzindikira nkhope ndi macheke a zala. Pomwe ukadaulo ukupitilirabe kusinthika, tsogolo la KYC lidzayang'ana kwambiri pakuwongolera bwino, chitetezo, komanso chidziwitso chamakasitomala.
Kufunika kwa KYC Pakuwonetsetsa Zochita Zotetezedwa
Mwachidule, KYC imagwira ntchito yofunika kwambiri pakuwonetsetsa kuti zochitika zachitika mwachitetezo potsimikizira makasitomala, kuwunika zomwe ali pachiwopsezo, komanso kupewa umbanda pazachuma. Zimathandizira mabungwe azachuma kutsatira malamulo odana ndi kuwononga ndalama ndikusunga kukhulupirika kwa kayendetsedwe kazachuma. Pamene ukadaulo ukupita patsogolo, njira zatsopano monga kutsimikizira za digito ndi ma biometric zidzasintha tsogolo la KYC, kupititsa patsogolo luso lake komanso chitetezo. Poika patsogolo machitidwe a KYC, mabizinesi amatha kuteteza makasitomala awo komanso iwo eni ku zochitika zachinyengo komanso kuteteza ndalama.
Kutsiliza
Pomaliza, KYC (Dziwani Makasitomala Anu) ndi njira yofunika kwambiri yachitetezo pamabizinesi amakono, makamaka m'makampani azachuma ndi ntchito zachuma. Pokhazikitsa njira za KYC, mabungwe azachuma amatha kutsimikizira makasitomala awo, kuwunika zomwe ali pachiwopsezo, ndikutsatira malamulo oletsa kuwononga ndalama.
Zofunikira za KYC zikuphatikiza kuzindikiritsa makasitomala, kulimbikira, ndi kuyang'anira kosalekeza, kuwonetsetsa kuti mabizinesi akumvetsetsa bwino makasitomala awo komanso zoopsa zomwe angabweretse. Kudziwa kumeneku kumathandiza kupewa ntchito zachinyengo, kuwononga ndalama, ndi kuthandizira zauchigawenga, ndipo pamapeto pake zimateteza makasitomala ndi mabungwe azachuma.
Tsogolo la KYC lagona pamayankho azidziwitso za digito komanso kuchuluka kwazinthu zamakasitomala. Kupititsa patsogolo kumeneku kudzapititsa patsogolo luso, chitetezo, komanso chidziwitso cha makasitomala panjira ya KYC, kulimbikitsanso kulimbana ndi milandu yazachuma. Pamene ukadaulo ukupitilira kupita patsogolo, KYC itenga gawo lalikulu pakuwonetsetsa kuti pachitika zinthu zotetezeka, kuteteza ku umbanda pazachuma, komanso kusunga kukhulupirika kwadongosolo lazachuma padziko lonse lapansi.
FAQ
Kodi KYC ndi chiyani?
KYC imayimira Know Your Customer. Ndi mulingo wabizinesi womwe umatsimikizira kuti alangizi atha kutsimikizira zomwe kasitomala ali ndi kumvetsetsa zomwe akudziwa komanso mbiri yazachuma.
Kodi zigawo za KYC ndi ziti?
Magawo atatu a KYC ndi pulogalamu yozindikiritsa makasitomala (CIP), kulimbikira kwamakasitomala (CDD), komanso kulimbikira koyenera (EDD).
Chifukwa chiyani KYC ndiyofunikira pamakampani achitetezo?
KYC ndiyofunikira kwa akatswiri pamakampani opanga zotetezedwa kuti akhazikitse mbiri ya kasitomala aliyense ndikutsata malamulo, malamulo, ndi malamulo.
Ndi mfundo ziti zomwe zimafunika pa KYC?
Zofunikira za KYC zikuphatikizapo kupeza zidziwitso, kusonkhanitsa zidziwitso zamakasitomala, ndi zina zowonjezera kwa makasitomala omwe ali pachiwopsezo chachikulu.
Ndi malamulo ati omwe amatsogolera kutsata kwa KYC?
Kutsatira kwa KYC kumayendetsedwa ndi malamulo monga FINRA Rule 2090 (Dziwani Makasitomala Anu) ndi FINRA Rule 2111 (Kuyenerera).
Kodi KYC ikukhudzana bwanji ndi njira zothana ndi kuba ndalama (AML)?
KYC ndi gawo la njira zotsutsana ndi kuba ndalama (AML) ndipo ndizofunikira kwambiri pamsika wa cryptocurrency.
Kodi pulogalamu yozindikiritsa makasitomala (CIP) ndi chiyani?
Pulogalamu yozindikiritsa makasitomala (CIP) ndiyofunikira kwambiri munjira ya KYC. Limalamula kuti makampani azachuma apeze zigawo zinayi zozindikiritsa za kasitomala, kuphatikiza dzina, tsiku lobadwa, adilesi, ndi nambala yodziwika.
Kodi kulimbikira kwa kasitomala (CDD) ndi chiyani?
Customer due diligence (CDD) imaphatikizapo kusonkhanitsa ndi kutsimikizira zonse zamakasitomala kuti atsimikizire kuti iwo ndi ndani ndikuwunika zomwe ali pachiwopsezo cha zochitika zokayikitsa za akaunti.
Kodi Kulimbikira Kwambiri (EDD) ndi chiyani?
Kulimbikira Kwambiri (EDD) ndikofunikira kwa makasitomala omwe ali pachiwopsezo cholowera, kuthandizira ndalama zauchigawenga, kapena kuba ndalama. Zowonjezera zambiri kupitilira njira yokhazikika ya CDD zimasonkhanitsidwa kuti zitsimikizire kuti kasitomala amadziwa zambiri.
Kodi kutsata kwa KYC kukugwirizana bwanji ndi kuwononga ndalama (AML)?
Kutsata kwa KYC kumagwirizana kwambiri ndi zoyeserera zotsutsana ndi kuba ndalama (AML). Mabungwe azachuma akuyenera kutsatira miyezo ya KYC kuti aletse kuchita zinthu zosaloledwa, makamaka kubera ndalama.
Kodi zofunikira za KYC zimakwaniritsidwa bwanji pamsika wa cryptocurrency?
Kukwera kwa ma cryptocurrencies kwabweretsa chidwi pakufunika kwa KYC pamsika wazinthu za digito. Ngakhale sizinali zovomerezeka, mapulatifomu ambiri a crypto akhazikitsa machitidwe a KYC kuti agwirizane ndi mabungwe azachuma ndi malangizo owongolera.
Chifukwa chiyani kutsimikizira kwa KYC ndikofunikira?
Kutsimikizira kwa KYC kumathandizira kuwonetsetsa kuti makasitomala ndi omwe amadzinenera kuti ndi ndipo kumathandizira kupewa kuba ndi chinyengo. Ndi gawo lofunikira pakuchepetsa ziwopsezo zobwera chifukwa chakuba ndalama ndi zigawenga.
Kodi KYC imagwira ntchito bwanji pamabanki?
Zofunikira za KYC m'mabanki zimaphatikizapo kuzindikira makasitomala, kumvetsetsa mtundu ndi cholinga cha ntchito zawo, ndikuchita mosamala kuti awone zoopsa.
Ndi zolemba ziti zomwe zimafunikira pa KYC?
Macheke a KYC amafuna kuti makasitomala apereke zikalata zomwe zimatsimikizira kuti ndi ndani komanso ma adilesi, monga ma ID operekedwa ndi boma komanso umboni wa adilesi ngati ndalama zothandizira.
Kodi kutsatira KYC kumabweretsa zovuta zotani ku mabungwe azachuma?
Kutsatira KYC kumafuna ndalama zambiri kuti akhazikitse ndi kusunga madongosolo a KYC, zomwe zimapangitsa kukwera mtengo komanso zovuta zamabungwe azachuma.
Kodi digito ndi ma biometric angalimbikitse bwanji kuchita bwino komanso chitetezo cha njira za KYC?
Mayankho otsimikizira zidziwitso za digito amathandizira kuti zizingochitika zokha komanso kuwongolera njira ya KYC, pomwe matekinoloje a biometric amapereka chitetezo chokwanira komanso kulondola pakutsimikizira makasitomala.
Kodi malangizo ndi malamulo a AMLD amakhudza bwanji KYC?
Malangizo a AMLD, monga AMLD4 ndi AMLD5 ku Ulaya, amayambitsa zofunikira kwambiri za KYC ku mabungwe azachuma, kutsindika kufunika komvetsetsa makasitomala, kuchita mosamala, ndi kutsatira malamulo.
Tsogolo la KYC ndi lotani?
Tsogolo la KYC likuyenera kuumbidwa ndi kupita patsogolo kwaukadaulo waukadaulo wa digito komanso kuchuluka kwazinthu zamakasitomala, kuyang'ana kwambiri pakuwongolera bwino, chitetezo, komanso chidziwitso chamakasitomala.
Ubwino wa KYC ndi chiyani?
Ubwino wa KYC ukuphatikiza kuwonetsetsa kuti malamulo akutsatira malamulo, kuteteza kukhulupirika kwa kayendetsedwe kazachuma, ndi kuteteza makasitomala ndi mabizinesi ku chinyengo ndi kutayika kobwera chifukwa chandalama zosaloledwa ndi zochitika.
Kodi KYC imagwira ntchito yanji powonetsetsa kuti malonda ali otetezeka?
KYC imagwira ntchito yofunika kwambiri powonetsetsa kuti malonda ali otetezeka potsimikizira makasitomala, kuwunika zomwe ali pachiwopsezo, ndikuwunika momwe amachitira zinthu zokayikitsa.
