Under what circumstances should financial institutions re identify customers

Where financial institutions discover signs of abnormalities or have doubts about the authenticity, validity, or completeness of previously obtained customer identity materials in the course of handling business, they shall re-identify the customer's identity.

According to Article 9 of the Provisions on Anti-Money Laundering of Financial Institutions, financial institutions shall establish and implement a customer identification system in accordance with the regulations.

1) Where abnormal signs are discovered in the course of handling operations, or where there are doubts about the authenticity, validity, or completeness of previously obtained customer identity materials, the customer's identity shall be re-identified;

2) Identify the identity of customers who request to establish a business relationship or handle one-time financial business of a specified amount or more, require customers to present true and valid identity documents or other identification documents, conduct verification and registration, and update customer identity information in a timely manner when there is a change;

3) Understand the purpose and nature of the customer's transaction in accordance with the regulations, and effectively identify the beneficiary of the transaction;

4) Ensure that the overseas financial institution with which it has a ** relationship or similar business relationship conducts effective customer identification, and can obtain the required customer identity information from the overseas financial institution.

1) The customer requests to change the name or title, identity document or identification type, and identity document number; (2) The client's trading habits have changed significantly; (3) The name or title of the customer and the criminal suspect and money laundering issued by the relevant departments, institutions and judicial authorities; (4) Suspecting that the customer is suspected of money laundering or terrorist financing activities; (5) Other circumstances that doubt the authenticity, validity and completeness of the previously obtained customer identity information.

In the following cases, financial institutions should re-identify customers.

a.The customer requests to change the name or title, the type of identity document or identification document, the ID card number, the registered capital, the business scope, the legal representative or the person in charge.

b.There is an abnormality in the customer's behavior or transaction situation.

c.The name or title of the customer is the same as the name or title of the criminal suspect, money laundering and terrorist financing person that the relevant departments, institutions and judicial organs require the financial institution to investigate or pay attention to in accordance with the law.

d.The customer is suspected of money laundering or terrorist financing activities.

e.Change of customer** and address.

Correct answer: ABCD

Answer analysis: A financial institution shall re-identify a customer when the following circumstances arise: (1) The customer requests to change the name or title, the type of identity document or identification document, the number of the identity document, the registered capital, the scope of business, the legal representative or the person in charge.

2) There is an abnormality in the customer's behavior or transaction situation. (3) The name or title of the customer is the same as the name or title of the criminal suspect, money laundering and terrorist financing person that the relevant departments, institutions and judicial organs require financial institutions to investigate or pay attention to in accordance with law. (4) The customer is suspected of money laundering or terrorist financing activities.

5) There are inconsistencies or contradictions between the customer information obtained by the financial institution and the relevant information already in its possession. (6) There are doubts about the authenticity, validity, and completeness of previously obtained customer identity materials. (7) Other circumstances in which the financial institution deems it necessary to re-identify the customer's identity.

In the event of any of the following circumstances, the financial institution shall re-identify the customer.

If the customer is suspected of money laundering or terrorist financing activities (correct answer), and there are doubts about the authenticity, validity and completeness of the customer's identity information previously obtained (correct answer).

The customer's request to change the ID number, the dispersion of the representative or person in charge of the law (correct answer) The customer's behavior or transaction situation is abnormal (correct answer) Answer analysis: "Anti-Money Laundering Regulations of Financial Institutions".

Answer]: According to the Anti-Money Laundering Law, any unit or individual shall provide a true and valid identity document or other identity documents of the excavator when establishing a relationship with a financial institution or requesting a financial institution to provide one-time financial services for it.

Answer]: C The answer is C. According to Article 16 of the Anti-Money Laundering Law, when Ren and Xiaohe units and individuals establish relationships with financial institutions or request Jinlun Peng Imitation Financial Institutions to provide one-time financial services for them, they shall provide real and valid identity documents or other identity documents.

Answer]: According to Article 16 of the Anti-Money Laundering Law, when any unit or individual establishes a relationship with a financial institution or requires a financial institution to provide one-time financial services for it, it shall provide a true and valid identity document or other documents of good identity and good information.