{"id":8625,"date":"2024-11-15T03:23:20","date_gmt":"2024-11-14T19:23:20","guid":{"rendered":"https:\/\/fwq.ai\/blog\/8625\/"},"modified":"2024-11-15T03:23:20","modified_gmt":"2024-11-14T19:23:20","slug":"%e5%85%ac%e5%8f%b8%e5%a6%82%e4%bd%95%e7%a1%ae%e4%bf%9dkyc%e7%9a%84%e5%90%88%e6%b3%95%e6%80%a7%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/fwq.ai\/blog\/8625\/","title":{"rendered":"\u516c\u53f8\u5982\u4f55\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff1f"},"content":{"rendered":"<h1 id=\"%e5%85%ac%e5%8f%b8%e5%a6%82%e4%bd%95%e7%a1%ae%e4%bf%9dkyc%e7%9a%84%e5%90%88%e6%b3%95%e6%80%a7%ef%bc%9f-ErAaDcNLfP\">\u516c\u53f8\u5982\u4f55\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff1f<\/h1>\n<p>\u5728\u5f53\u4eca\u7684\u5546\u4e1a\u73af\u5883\u4e2d\uff0c\u4e86\u89e3\u5ba2\u6237\uff08KYC\uff0cKnow Your Customer\uff09\u5df2\u6210\u4e3a\u91d1\u878d\u673a\u6784\u548c\u5176\u4ed6\u884c\u4e1a\u516c\u53f8\u5408\u89c4\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002KYC\u7684\u5b9e\u65bd\u4e0d\u4ec5\u6709\u52a9\u4e8e\u9632\u6b62\u6d17\u94b1\u3001\u6b3a\u8bc8\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\uff0c\u8fd8\u80fd\u589e\u5f3a\u5ba2\u6237\u4fe1\u4efb\u3002\u672c\u6587\u5c06\u63a2\u8ba8\u516c\u53f8\u5982\u4f55\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff0c\u4ee5\u53ca\u5728\u8fd9\u4e00\u8fc7\u7a0b\u4e2d\u9700\u8981\u9075\u5faa\u7684\u5173\u952e\u6b65\u9aa4\u548c\u6700\u4f73\u5b9e\u8df5\u3002<\/p>\n<h2 id=\"kyc%e7%9a%84%e6%b3%95%e5%be%8b%e6%a1%86%e6%9e%b6-ErAaDcNLfP\">KYC\u7684\u6cd5\u5f8b\u6846\u67b6<\/h2>\n<p>KYC\u7684\u5408\u6cd5\u6027\u4e3b\u8981\u6e90\u4e8e\u5404\u56fd\u7684\u6cd5\u5f8b\u6cd5\u89c4\u3002\u8bb8\u591a\u56fd\u5bb6\u90fd\u6709\u4e13\u95e8\u7684\u53cd\u6d17\u94b1\uff08AML\uff09\u548c\u53cd\u6050\u6016\u878d\u8d44\uff08CFT\uff09\u6cd5\u5f8b\uff0c\u8981\u6c42\u91d1\u878d\u673a\u6784\u548c\u67d0\u4e9b\u884c\u4e1a\u516c\u53f8\u5728\u4e0e\u5ba2\u6237\u5efa\u7acb\u5173\u7cfb\u4e4b\u524d\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u4e3b\u8981\u6cd5\u5f8b\u6846\u67b6\uff1a<\/p>\n<ul>\n<li><strong>\u7f8e\u56fd\uff1a<\/strong>\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\uff08BSA\uff09\u548c\u300a\u7231\u56fd\u8005\u6cd5\u6848\u300b\u8981\u6c42\u91d1\u878d\u673a\u6784\u5b9e\u65bdKYC\u7a0b\u5e8f\u3002<\/li>\n<li><strong>\u6b27\u76df\uff1a<\/strong>\u300a\u53cd\u6d17\u94b1\u6307\u4ee4\u300b\u89c4\u5b9a\u4e86KYC\u7684\u5177\u4f53\u8981\u6c42\uff0c\u9002\u7528\u4e8e\u6240\u6709\u6210\u5458\u56fd\u3002<\/li>\n<li><strong>\u4e2d\u56fd\uff1a<\/strong>\u300a\u53cd\u6d17\u94b1\u6cd5\u300b\u8981\u6c42\u91d1\u878d\u673a\u6784\u5728\u5ba2\u6237\u5f00\u6237\u65f6\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\u3002<\/li>\n<\/ul>\n<h2 id=\"kyc%e7%9a%84%e5%ae%9e%e6%96%bd%e6%ad%a5%e9%aa%a4-ErAaDcNLfP\">KYC\u7684\u5b9e\u65bd\u6b65\u9aa4<\/h2>\n<p>\u4e3a\u4e86\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff0c\u516c\u53f8\u9700\u8981\u9075\u5faa\u4e00\u7cfb\u5217\u6b65\u9aa4\uff1a<\/p>\n<h3 id=\"1-%e5%ae%a2%e6%88%b7%e8%ba%ab%e4%bb%bd%e9%aa%8c%e8%af%81-ErAaDcNLfP\">1. \u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1<\/h3>\n<p>\u516c\u53f8\u5e94\u6536\u96c6\u5ba2\u6237\u7684\u57fa\u672c\u4fe1\u606f\uff0c\u5305\u62ec\u59d3\u540d\u3001\u5730\u5740\u3001\u51fa\u751f\u65e5\u671f\u548c\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\uff08\u5982\u8eab\u4efd\u8bc1\u6216\u62a4\u7167\uff09\u3002\u8fd9\u4e9b\u4fe1\u606f\u53ef\u4ee5\u901a\u8fc7\u5728\u7ebf\u8868\u5355\u6216\u9762\u5bf9\u9762\u7684\u65b9\u5f0f\u6536\u96c6\u3002\u4ee5\u4e0b\u662f\u4e00\u4e2a\u7b80\u5355\u7684\u8eab\u4efd\u9a8c\u8bc1\u793a\u4f8b\uff1a<\/p>\n<pre><code>\nfunction validateCustomer(customer) {\n    if (!customer.name || !customer.idNumber) {\n        throw new Error(\"\u5ba2\u6237\u4fe1\u606f\u4e0d\u5b8c\u6574\");\n    }\n    \/\/ \u8fdb\u4e00\u6b65\u9a8c\u8bc1\u903b\u8f91\n}\n<\/code><\/pre>\n<h3 id=\"2-%e9%a3%8e%e9%99%a9%e8%af%84%e4%bc%b0-ErAaDcNLfP\">2. \u98ce\u9669\u8bc4\u4f30<\/h3>\n<p>\u516c\u53f8\u9700\u8981\u5bf9\u5ba2\u6237\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\uff0c\u4ee5\u786e\u5b9a\u5176\u6f5c\u5728\u7684\u6d17\u94b1\u6216\u6b3a\u8bc8\u98ce\u9669\u3002\u8fd9\u53ef\u4ee5\u901a\u8fc7\u5206\u6790\u5ba2\u6237\u7684\u4ea4\u6613\u5386\u53f2\u3001\u5730\u7406\u4f4d\u7f6e\u548c\u884c\u4e1a\u7c7b\u578b\u6765\u5b9e\u73b0\u3002\u9ad8\u98ce\u9669\u5ba2\u6237\u53ef\u80fd\u9700\u8981\u66f4\u4e25\u683c\u7684\u5ba1\u67e5\u3002<\/p>\n<h3 id=\"3-%e6%8c%81%e7%bb%ad%e7%9b%91%e6%8e%a7-ErAaDcNLfP\">3. \u6301\u7eed\u76d1\u63a7<\/h3>\n<p>KYC\u5e76\u4e0d\u662f\u4e00\u6b21\u6027\u7684\u8fc7\u7a0b\u3002\u516c\u53f8\u5e94\u5b9a\u671f\u5ba1\u67e5\u5ba2\u6237\u4fe1\u606f\uff0c\u5e76\u76d1\u63a7\u5176\u4ea4\u6613\u6d3b\u52a8\uff0c\u4ee5\u8bc6\u522b\u4efb\u4f55\u53ef\u7591\u884c\u4e3a\u3002\u4f7f\u7528\u81ea\u52a8\u5316\u5de5\u5177\u53ef\u4ee5\u63d0\u9ad8\u76d1\u63a7\u7684\u6548\u7387\u548c\u51c6\u786e\u6027\u3002<\/p>\n<h3 id=\"4-%e6%95%b0%e6%8d%ae%e4%bf%9d%e6%8a%a4%e4%b8%8e%e9%9a%90%e7%a7%81-ErAaDcNLfP\">4. \u6570\u636e\u4fdd\u62a4\u4e0e\u9690\u79c1<\/h3>\n<p>\u5728\u6536\u96c6\u548c\u5b58\u50a8\u5ba2\u6237\u4fe1\u606f\u65f6\uff0c\u516c\u53f8\u5fc5\u987b\u9075\u5faa\u6570\u636e\u4fdd\u62a4\u6cd5\u5f8b\uff0c\u786e\u4fdd\u5ba2\u6237\u7684\u9690\u79c1\u6743\u5f97\u5230\u5c0a\u91cd\u3002\u5e94\u91c7\u53d6\u9002\u5f53\u7684\u6280\u672f\u548c\u7ba1\u7406\u63aa\u65bd\u6765\u4fdd\u62a4\u5ba2\u6237\u6570\u636e\uff0c\u9632\u6b62\u6570\u636e\u6cc4\u9732\u3002<\/p>\n<h2 id=\"%e5%90%88%e8%a7%84%e6%80%a7%e4%b8%8e%e5%9f%b9%e8%ae%ad-ErAaDcNLfP\">\u5408\u89c4\u6027\u4e0e\u57f9\u8bad<\/h2>\n<p>\u786e\u4fddKYC\u5408\u6cd5\u6027\u8fd8\u9700\u8981\u516c\u53f8\u5185\u90e8\u7684\u5408\u89c4\u6027\u548c\u5458\u5de5\u57f9\u8bad\u3002\u516c\u53f8\u5e94\u5236\u5b9a\u660e\u786e\u7684KYC\u653f\u7b56\uff0c\u5e76\u5b9a\u671f\u5bf9\u5458\u5de5\u8fdb\u884c\u57f9\u8bad\uff0c\u4ee5\u63d0\u9ad8\u4ed6\u4eec\u5bf9KYC\u8981\u6c42\u7684\u7406\u89e3\u548c\u6267\u884c\u80fd\u529b\u3002<\/p>\n<h2 id=\"%e6%80%bb%e7%bb%93-ErAaDcNLfP\">\u603b\u7ed3<\/h2>\n<p>\u901a\u8fc7\u9075\u5faa\u6cd5\u5f8b\u6846\u67b6\u3001\u5b9e\u65bd\u6709\u6548\u7684\u8eab\u4efd\u9a8c\u8bc1\u3001\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\u548c\u6301\u7eed\u76d1\u63a7\uff0c\u516c\u53f8\u53ef\u4ee5\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\u3002\u6b64\u5916\uff0c\u6570\u636e\u4fdd\u62a4\u548c\u5458\u5de5\u57f9\u8bad\u4e5f\u662f\u4e0d\u53ef\u6216\u7f3a\u7684\u73af\u8282\u3002\u7c73\u4e91\u4e0d\u662f\u91d1\u878d\u673a\u6784\uff0c\u4e0d\u8981\u6c42KYC\u3002\u6709\u5173\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u8bbf\u95ee\u6211\u4eec\u7684<a href=\"https:\/\/fwq.ai\">\u7f51\u7ad9<\/a>\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u516c\u53f8\u5982\u4f55\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff1f \u5728\u5f53\u4eca\u7684\u5546\u4e1a\u73af\u5883\u4e2d\uff0c\u4e86\u89e3\u5ba2\u6237\uff08KYC\uff0cKnow Your Customer\uff09\u5df2\u6210\u4e3a\u91d1\u878d\u673a\u6784\u548c\u5176\u4ed6\u884c\u4e1a\u516c\u53f8\u5408\u89c4\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002KYC\u7684\u5b9e\u65bd\u4e0d\u4ec5\u6709\u52a9\u4e8e\u9632\u6b62\u6d17\u94b1\u3001\u6b3a\u8bc8\u548c\u5176\u4ed6\u91d1\u878d\u72af\u7f6a\uff0c\u8fd8\u80fd\u589e\u5f3a\u5ba2\u6237\u4fe1\u4efb\u3002\u672c\u6587\u5c06\u63a2\u8ba8\u516c\u53f8\u5982\u4f55\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff0c\u4ee5\u53ca\u5728\u8fd9\u4e00\u8fc7\u7a0b\u4e2d\u9700\u8981\u9075\u5faa\u7684\u5173\u952e\u6b65\u9aa4\u548c\u6700\u4f73\u5b9e\u8df5\u3002 KYC\u7684\u6cd5\u5f8b\u6846\u67b6 KYC\u7684\u5408\u6cd5\u6027\u4e3b\u8981\u6e90\u4e8e\u5404\u56fd\u7684\u6cd5\u5f8b\u6cd5\u89c4\u3002\u8bb8\u591a\u56fd\u5bb6\u90fd\u6709\u4e13\u95e8\u7684\u53cd\u6d17\u94b1\uff08AML\uff09\u548c\u53cd\u6050\u6016\u878d\u8d44\uff08CFT\uff09\u6cd5\u5f8b\uff0c\u8981\u6c42\u91d1\u878d\u673a\u6784\u548c\u67d0\u4e9b\u884c\u4e1a\u516c\u53f8\u5728\u4e0e\u5ba2\u6237\u5efa\u7acb\u5173\u7cfb\u4e4b\u524d\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u4e3b\u8981\u6cd5\u5f8b\u6846\u67b6\uff1a \u7f8e\u56fd\uff1a\u300a\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\uff08BSA\uff09\u548c\u300a\u7231\u56fd\u8005\u6cd5\u6848\u300b\u8981\u6c42\u91d1\u878d\u673a\u6784\u5b9e\u65bdKYC\u7a0b\u5e8f\u3002 \u6b27\u76df\uff1a\u300a\u53cd\u6d17\u94b1\u6307\u4ee4\u300b\u89c4\u5b9a\u4e86KYC\u7684\u5177\u4f53\u8981\u6c42\uff0c\u9002\u7528\u4e8e\u6240\u6709\u6210\u5458\u56fd\u3002 \u4e2d\u56fd\uff1a\u300a\u53cd\u6d17\u94b1\u6cd5\u300b\u8981\u6c42\u91d1\u878d\u673a\u6784\u5728\u5ba2\u6237\u5f00\u6237\u65f6\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\u3002 KYC\u7684\u5b9e\u65bd\u6b65\u9aa4 \u4e3a\u4e86\u786e\u4fddKYC\u7684\u5408\u6cd5\u6027\uff0c\u516c\u53f8\u9700\u8981\u9075\u5faa\u4e00\u7cfb\u5217\u6b65\u9aa4\uff1a 1. \u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1 \u516c\u53f8\u5e94\u6536\u96c6\u5ba2\u6237\u7684\u57fa\u672c\u4fe1\u606f\uff0c\u5305\u62ec\u59d3\u540d\u3001\u5730\u5740\u3001\u51fa\u751f\u65e5\u671f\u548c\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\uff08\u5982\u8eab\u4efd\u8bc1\u6216\u62a4\u7167\uff09\u3002\u8fd9\u4e9b\u4fe1\u606f\u53ef\u4ee5\u901a\u8fc7\u5728\u7ebf\u8868\u5355\u6216\u9762\u5bf9\u9762\u7684\u65b9\u5f0f\u6536\u96c6\u3002\u4ee5\u4e0b\u662f\u4e00\u4e2a\u7b80\u5355\u7684\u8eab\u4efd\u9a8c\u8bc1\u793a\u4f8b\uff1a function validateCustomer(customer) { if (!customer.name || !customer.idNumber) { throw new Error(&#8220;\u5ba2\u6237\u4fe1\u606f\u4e0d\u5b8c\u6574&#8221;); } \/\/ \u8fdb\u4e00\u6b65\u9a8c\u8bc1\u903b\u8f91 } 2. \u98ce\u9669\u8bc4\u4f30 \u516c\u53f8\u9700\u8981\u5bf9\u5ba2\u6237\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\uff0c\u4ee5\u786e\u5b9a\u5176\u6f5c\u5728\u7684\u6d17\u94b1\u6216\u6b3a\u8bc8\u98ce\u9669\u3002\u8fd9\u53ef\u4ee5\u901a\u8fc7\u5206\u6790\u5ba2\u6237\u7684\u4ea4\u6613\u5386\u53f2\u3001\u5730\u7406\u4f4d\u7f6e\u548c\u884c\u4e1a\u7c7b\u578b\u6765\u5b9e\u73b0\u3002\u9ad8\u98ce\u9669\u5ba2\u6237\u53ef\u80fd\u9700\u8981\u66f4\u4e25\u683c\u7684\u5ba1\u67e5\u3002 3. \u6301\u7eed\u76d1\u63a7 KYC\u5e76\u4e0d\u662f\u4e00\u6b21\u6027\u7684\u8fc7\u7a0b\u3002\u516c\u53f8\u5e94\u5b9a\u671f\u5ba1\u67e5\u5ba2\u6237\u4fe1\u606f\uff0c\u5e76\u76d1\u63a7\u5176\u4ea4\u6613\u6d3b\u52a8\uff0c\u4ee5\u8bc6\u522b\u4efb\u4f55\u53ef\u7591\u884c\u4e3a\u3002\u4f7f\u7528\u81ea\u52a8\u5316\u5de5\u5177\u53ef\u4ee5\u63d0\u9ad8\u76d1\u63a7\u7684\u6548\u7387\u548c\u51c6\u786e\u6027\u3002 4. 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