最近，日常工作似乎都绕不开一个表格，感受下: 香港、新加坡、BVI、开曼等公司注册需要KYC（Know your Customer 了解你的客户）， 公司年检需要KYC，公司财务审计需要KYC，开立银行户口需要KYC，甚至和做亚马逊的朋友聊天依然避不开KYC.
KYC到底是个啥？为什么似乎所有的机构都需要它呢？
Do you attach importance to KYC when the company opens a bank account?
Recently, there seems to be a form that cannot be avoided in daily work. I feel: Hong Kong, Singapore, BVI, Cayman and other companies require KYC (Know your Customer) for company registration, company annual inspection requires KYC, company financial audit requires KYC, open KYC is required to establish a bank account. Even chatting with friends who are Amazons still cannot avoid KYC.
What is KYC? Why does it seem that all institutions need it?
全球每天都有数亿的产品在交易，大部分是通过网络和金融机构来实现的。我们使用平台或者金融机构，没有相应的机制或者规则去设置，一方面交易热火朝天，另一面也容易滋生欺诈、造假、洗钱等非法活动。
Hundreds of millions of products are traded every day around the world, most of which are realized through the Internet and financial institutions. We use platforms or financial institutions without corresponding mechanisms or rules to set up. On the one hand, transactions are in full swing, and on the other hand, fraud, fraud, money laundering and other illegal activities are prone to breed.
如果把商业活动看成一个组合，人、货物/服务、文件、货币的组合。 给这个组合找到一个链接器的话，始终绕不开金融机构。最近几年，尤其是需要海外银行户口的朋友，感受到开户的难度加大，且账户开立后的问询亦比以往增多。其实从1990年代后期到2008年危机期间，许多金融机构简化流程和改善运营，以满足客户对速度和效率的需求，开立户口以及处理交易相对容易很多。这样客量增加的同时，也吸引了犯罪组织，洗钱和恐怖分子融资等金融犯罪大多发生在匿名账户中。由此政府制定了一些打击措施，尤其加强反洗钱相关，反洗钱（AML）是一系列程序、法规和法律，旨在防止“通过非法活动洗钱”， 对不遵守这些程序的机构将处以罚款之类的制裁。KYC是反洗钱计划的第一步，它还可以通过验证客户身份来防止潜在风险。
If you think of business activities as a combination, a combination of people, goods/services, documents, and currency.If you find a linker for this combination, financial institutions cannot be bypassed. In recent years, especially those who need an overseas bank account, they have felt that the difficulty of opening an account has increased, and the inquiries after the account has been opened have also increased. In fact, from the late 1990s to the 2008 crisis, many financial institutions streamlined processes and improved operations to meet customers' needs for speed and efficiency. It was relatively easy to open accounts and process transactions. While the number of customers has increased, it has also attracted criminal organizations. Financial crimes such as money laundering and terrorist financing mostly occur in anonymous accounts. As a result, the government has formulated some countermeasures, especially related to anti-money laundering. Anti-money laundering (AML) is a series of procedures, regulations and laws designed to prevent "money laundering through illegal activities". Institutions that fail to comply with these procedures will be fined. Sanctions. KYC is the first step of an anti-money laundering program. It can also prevent potential risks by verifying the identity of the customer.
我的同事S近期处理的事情，做个类比。S在X购物平台购买礼券，有效期三年，作为公司的福利。结果第二年有同事发现礼券兑换不了，一直未联系到商家客服，转而S联系平台客服，得到的回复，等待核实。S是急性子，有问题希望最快得到解决。第二天，S改变了策略，直接拨打平台投诉，投诉的不是商家，而是X平台招商部。简短描述了事情经过，结合所说的情况，我有理由怀疑贵司招商部，一般商家入驻，平台亦有审核流程或需要担保金，出现这类事情是否出在内部审核流程，与店家存在直接利益关系等。这通投诉的第二天，平台退还我们全部费用，收到这笔退款是否和投诉有关，就天知道了。起码S运作了工作日常中的初级流程，KYC 了解你的客户。
My colleague S dealt with things recently, to make an analogy. S purchases gift certificates on the X shopping platform, valid for three years, as the company's welfare. As a result, a colleague found out that the gift certificate could not be redeemed in the second year and had not contacted the customer service of the merchant. Instead, S contacted the customer service of the platform and got a reply, waiting to be verified. S is impatient, and if there is a problem, he hopes to be resolved soon. The next day, S changed its strategy and directly called the platform to complain. The complaint was not the merchant, but the Investment Promotion Department of the X platform. A brief description of what happened, combined with what I said, I have reason to suspect that your investment department, general merchants have settled in, and the platform also has an audit process or requires a guarantee. Whether such things happen in the internal audit process and are directly related to the store. Interest relations, etc. On the second day of the complaint, the platform refunded all of our fees. Whether the refund is related to the complaint, God knows. At least S operates the primary processes in daily work, and KYC understands your customers.
从这件事我们类推，在购物平台，需要KYC审核流程和担保金来核实商家的真实交易。我们来看金融机构开户的整个流程，是不是也很类似？如果没有KYC的合规流程，或者开立好户口之后持续的审核跟踪，导致户口出现诈骗、洗钱等违法活动，那么被监管机构罚款的事例也不再少数。随着金融犯罪的增加，法规越来越严格，金融机构需要付出更多的努力来遵守它们。
By analogy from this matter, in shopping platforms, KYC review process and guarantee money are required to verify the real transactions of merchants. Let’s take a look at the entire process of opening an account in a financial institution. Is it similar? If there is no KYC compliance process, or continuous audit and follow-up after the account is opened, resulting in illegal activities such as fraud and money laundering in the account, there will be no fewer cases of fines by the regulatory authorities. As financial crimes increase and regulations become stricter, financial institutions need to make more efforts to comply with them.
借助“了解您的客户”KYC法规，金融机构可以在开设新客户账户之前，通过适用的控制程序来检测它们将来可能面临的风险。
KYC政策在打击金融犯罪方面具有重要作用，根据监管要求在客户账户开设过程中应用的控制措施：
With the "know your customer" KYC regulations, financial institutions can detect the risks they may face in the future through applicable control procedures before opening new customer accounts.
KYC policies play an important role in combating financial crimes. The control measures applied in the process of opening customer accounts in accordance with regulatory requirements:
收集客户信息并检查准确性；
通过客户尽职调查和（如果需要）增强尽职调查程序确定客户风险级别；
制定适合客户风险水平的控制程序；
AML本身是一系列程序、法规和法律，KYC是其计划的第一步。
基于此，从公司注册、账户开立、后续公司的管理环节，重视填写KYC表格吧！
Collect customer information and check accuracy;
Determine the level of customer risk through customer due diligence and (if necessary) enhanced due diligence procedures;
Develop control procedures suitable for the customer's risk level;
AML itself is a series of procedures, regulations and laws, and KYC is the first step of its plan.
Based on this, from company registration, account opening, and subsequent company management, pay attention to filling out the KYC form!
