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".
インストールする前に、エージェントに与えられる指示の中身を確認できます。
Define 中国KYC与反洗钱规则 — comprehensive KYC/AML requirements for Chinese financial services.
wind-mcp（需 WIND_API_KEY 密钥，以 ak_ 开头）| 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 |
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 |
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 |
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 |
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) |
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 |
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 |
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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Before completing:
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概要と使いどころ
Three-statement financial model for A-share stocks. Adapts the standard 3-statement-model methodology for Chinese accounting standards (CAS), Chinese GAAP differences, and AkShare-sourced financials. Use instead of the original 3-statement-model skill when building integrated IS/BS/CF models for Chinese listed companies.
日本語の概要は準備中です。原文の説明を表示しています。
Build accrual schedules for A-share companies tracking revenue recognition, expense accruals, and working capital timing. Adapted from the original accrual-schedule skill for CAS accounting and Chinese business practices. Triggers on "A股应计项目", "应计计提", "accrual schedule China", "应计账款分析", or "working capital accruals [company]".
日本語の概要は準備中です。原文の説明を表示しています。
Build accrual schedules for A-share fund administration. Tracks revenue recognition, expense accruals, and working capital timing for fund accounting. Adapted from the original accrual-schedule skill for fund accounting standards. Triggers on "基金应计项目", "应计计提基金", "accrual schedule fund", "NAV accruals", or "accruals [fund]".
日本語の概要は準備中です。原文の説明を表示しています。
Assess an A-share portfolio company's AI readiness for China-focused private equity investments. Evaluates data infrastructure, technology stack, talent, and AI adoption opportunities in the Chinese market context. Triggers on "A股公司AI评估", "AI readiness China", "AI assessment portfolio company", "AI转型评估", or "artificial intelligence readiness [company]".
日本語の概要は準備中です。原文の説明を表示しています。
Audit financial models and Excel workbooks for A-share analysis. Adapts the original audit-xls skill for Chinese financial modeling standards, CAS conventions, and A-share-specific checks. Triggers on "A股模型审计", "财务模型核查", "audit model China", "audit xlsx", "模型QC", or "check model [company]".
日本語の概要は準備中です。原文の説明を表示しています。
Forensic financial analysis for A-share fund holdings and portfolio companies. Adapts the original break-trace skill for fund administration context and Chinese market standards. Triggers on "基金持仓核查", "持仓异常", "forensic fund analysis China", "持仓质量分析", or "investigate [fund] holdings".
日本語の概要は準備中です。原文の説明を表示しています。