(1) considerable risk principle. Financial institutions should scientifically allocate anti-money laundering resources according to the results of risk assessment, take enhanced anti-money laundering measures in areas with high money laundering risks and adopt simplified anti-money laundering measures in areas with low money laundering risks.
(2) The principle of comprehensiveness. In addition to the exceptions listed in these guidelines, financial institutions should comprehensively assess the risk status of customers and regions, businesses and industries (occupations) and scientifically and reasonably determine the risk level for each customer.
(3) the principle of identity. Financial institutions shall establish and improve the process of money laundering risk assessment and customer risk classification, and give the same customer a unique risk level within the financial institution, but the same customer may be given different risk levels by different financial institutions within the same group.
(4) the principle of dynamic management. Financial institutions should adjust the risk level and corresponding risk control measures in a timely manner according to the changes in the risk status of customers.
(5) the principle of independent management. After evaluation and demonstration, if a financial institution determines that the implementation effect of self-determined risk assessment standards or risk control measures is not lower than these guidelines or one of their requirements, it may decide not to follow these guidelines or one of their requirements, but it shall record the methods, processes and conclusions of evaluation and demonstration in writing.
(6) the principle of confidentiality. Financial institutions shall not disclose customer risk level information to customers or other third parties unrelated to anti-money laundering work.