/china-kyc-rules

name: china-kyc-rules
description: Chinese KYC (Know Your Customer) and AML (Anti-Money Laundering) rules for financial services. Adapts the original kyc-rules skill for Chinese regulatory requirements and domestic compliance. Triggers on "A股KYC规则", "中国反洗钱", "AML rules China", "KYC compliance China", "反洗钱规定", or "KYC requirements".

china-kyc-rules

Purpose

Define **中国KYC与反洗钱规则** — comprehensive KYC/AML requirements for Chinese financial services.

Data Sources

Tier 0 — 万得 Wind（最全面付费数据）

• 覆盖：A股/港美股/基金/指数/债券/宏观/研报/分析（44个工具）
• MCP 服务：`wind-mcp`（需 `WIND_API_KEY` 密钥，以 `ak_` 开头）
• 优势：全市场覆盖面最广、数据最全面、包含研报和量化分析
• 密钥申请：https://aifinmarket.wind.com.cn/#/home

Tier 1 — 同花顺 iFind（付费精确数据）/ AkShare MCP（Tier-2 免费备选）

Regulatory Framework

Primary Regulations

| Regulation | Authority | Key Requirement | |------------|-----------|-----------------| | 反洗钱法 | 全国人大常委会 | AML framework law | | 金融机构客户尽职调查和客户身份资料及交易记录保存管理办法 | 央行 | CDD/KYC requirements | | 金融机构大额交易和可疑交易报告管理办法 | 央行 | STR reporting | | 法人金融机构洗钱和恐怖融资风险自评估指引 | 央行 | Risk assessment | | 受益所有人身份识别办法 | 央行 | UBO identification | | 证券期货业反洗钱工作规程 | 证监会 | Securities-specific AML |

Customer Identification

1. 客户身份识别 (Customer Identification)

**Minimum identification requirements:**

| Customer Type | Required ID | Additional | |--------------|-------------|------------| | 中国自然人 | 身份证 (verified) | | | 外国自然人 | 护照 + 居留许可 | | | 中国法人 | 营业执照 + 法人身份证 | | | 外国法人 | 注册证明 + 授权代表 | | | 合伙企业 | 营业执照 + 合伙协议 | | | 个体工商户 | 营业执照 + 经营者身份证 | |

2. 受益所有人识别 (UBO Identification)

**UBO identification rules:**

| Ownership % | UBO Identification | |------------|-------------------| | ≥25% direct | Direct owner | | ≥25% indirect | Chain through entities | | No 25% owner | Controlling person (实际控制人) | | Government | N/A (state entity) |

**UBO information to collect:**

| Field | Content | |-------|---------| | 姓名/名称 | Name | | 身份证件 | ID type and number | | 地址 | Address | | 持股比例 | Ownership % | | 控制方式 | Control mechanism |

3. 客户风险分类 (Customer Risk Classification)

**Risk categories:**

| Category | Criteria | Due Diligence | |----------|----------|--------------| | 低风险 | Listed companies, government entities | Simplified CDD | | 中风险 | Private companies, HNW individuals | Standard CDD | | 高风险 | PEPs, high-risk jurisdictions | Enhanced CDD |

**Risk factors:**

| Factor | Low | Medium | High | |--------|-----|--------|------| | 客户类型 | Listed, gov | Private corp | Shell company | | 行业 | Low risk | Medium | Gambling, MSB | | 地理位置 | Onshore | Main cities | Offshore, high-risk | | 交易模式 | Simple, regular | Moderate | Complex, unusual | | PEP | No | No | Yes |

4. 尽职调查程序 (Due Diligence Procedures)

**Simplified CDD (低风险):**

| Step | Action | |------|--------| | 1 | Identify customer | | 2 | Verify identity | | 3 | Record information |

**Standard CDD (中风险):**

| Step | Action | |------|--------| | 1 | Identify customer | | 2 | Verify identity | | 3 | Identify UBO | | 4 | Understand nature of business | | 5 | Verify source of funds | | 6 | Ongoing monitoring |

**Enhanced CDD (高风险):**

| Step | Action | |------|--------| | 1-6 | Standard CDD | | 7 | Senior management approval | | 8 | Enhanced source of wealth | | 9 | Enhanced ongoing monitoring | | 10 | PEP approval (if applicable) |

5. 持续识别 (Ongoing Monitoring)

**Ongoing CDD requirements:**

| Activity | Frequency | |----------|-----------| | 客户信息更新 | Every 3-5 years or upon change | | 交易监控 | Real-time / Daily | | 风险等级重估 | Every 1-3 years | | 受益所有人更新 | Upon change |

Transaction Monitoring

大额交易 (Large Transactions)

**Reporting thresholds:**

| Type | Threshold | Action | |------|-----------|--------| | 现金 | RMB 50,000+ | Report | | 转账 | RMB 200,000+ (individual) | Report | | 转账 | RMB 500,000+ (entity) | Report | | 跨境 | RMB 20,000+ | Report |

可疑交易 (Suspicious Transactions)

**Suspicious transaction indicators:**

| Pattern | Concern | |---------|---------| | 快进快出 | Rapid in-out (layering) | | 分散转入集中转出 | Multiple in, one out (structuring) | | 集中转入分散转出 | One in, multiple out | | 长期休眠账户突然激活 | Dormant account activation | | 交易对手为高风险地区 | High-risk jurisdiction | | 交易与客户背景不符 | Mismatch with profile | | 大额现金交易 | Large cash transactions | | 频繁跨境交易 | Frequent cross-border |

交易记录保存 (Record Keeping)

| Record | Retention Period | |--------|-----------------| | 客户身份资料 | Business relationship + 5 years | | 交易记录 | 5 years from transaction | | 大额交易报告 | 5 years | | 可疑交易报告 | 20 years |

A-share Specific Requirements

Securities Account KYC

| Requirement | Detail | |-------------|--------| | 三方存管 | Third-party custody | | 身份核验 | Real-name registration | | 风险测评 | Risk assessment questionnaire | | 适当性匹配 | Suitability matching | | 回访 | Follow-up calls |

Account Opening Process

| Step | Action | Document | |------|--------|----------| | 1 | 身份核验 | ID card verification | | 2 | 风险测评 | Risk questionnaire | | 3 | 适当性评估 | Suitability assessment | | 4 | 签署协议 | Account agreement | | 5 | 三方存管 | Bank linkage | | 6 | 回访 | Telephone confirmation |

Sanctions & Restrictions

禁止交易名单 (Restricted List)

| Category | Examples | |----------|---------| | 失信被执行人 | Debtors in default | | 资本市场失信 | Market ban list | | 私募禁止 | Private fund bans | | 证券业协会 | Industry bans |

高风险地区 (High-Risk Jurisdictions)

| Region | Risk Level | |--------|-----------| | FATF灰名单 | Enhanced CDD | | FATF黑名单 | Prohibited | | OFAC制裁名单 | Prohibited | | 联合国制裁名单 | Prohibited |

Quality Checks

Before completing:

• [ ] Customer identified and verified
• [ ] UBO identified
• [ ] Risk classification assigned
• [ ] CDD procedures followed
• [ ] Source of funds verified
• [ ] Transaction monitoring in place
• [ ] Records maintained
• [ ] Reports filed as required