ãªã³ã©ã¤ã³ã«ã¸ããæ¥½ããéãå¤ãã®ãã¬ã¤ã¤ã¼ãéè¦ããã®ã¯ãåå©éã®åºéãã©ãã ãæ©ãããã¨ããç¹ã§ããæ¥½ããã§ã²ã¼ã ããã¬ã¤ãããã¨ã¯ãã¡ããéè¦ã§ãããåå©ããè³éãã¹ã ã¼ãºã«æå ã«æ»ãããã©ããã¯ããªã³ã©ã¤ã³ã«ã¸ãé¸ã³ã«ããã¦æã大ããªå¤æåºæºã®ä¸ã¤ã§ããæ¬è¨äºã§ã¯ãã¼ã¯ã¼ãããªã³ã«ã¸åºéæ©ããã«ç¦ç¹ãå½ã¦ãåºéé度ãéè¦è¦ãããçç±ãæ©ãåºéã®ä»çµã¿ããã¬ã¤ã¤ã¼ãç¥ã£ã¦ããã¹ã注æç¹ãªã©ãç·åçã«è§£èª¬ãã¦ããã¾ãã
ãªã³ã©ã¤ã³ã«ã¸ããæ®åããã«ã¤ãã¦ãæ°å¤ãã®ãµã¼ãã¹ãèªçãã¾ãããåãã²ã¼ã å 容ã§ããåºéã¹ãã¼ããæç¶ãã®å¿«é©ãã¯å社ã§å¤§ããç°ãªãã¾ããä¾ãã°ãåãåå©éé¡ãç²å¾ãã¦ããA社ã§ã¯æ°åã§åºéæç¶ããå®äºããã®ã«å¯¾ããB社ã§ã¯æ°æ¥ããããã¨ãããã¾ããããããéãã¯ãã¬ã¤ã¤ã¼ã®æºè¶³åº¦ãä¿¡é ¼æã«ç´çµãã¾ãã
ç¾ä»£ã®ãªã³ã©ã¤ã³ã®ã£ã³ãã«å¸å ´ã§ã¯ãè¿ éãªåºéã¯ãã¬ã¤ã¤ã¼ã«ã¨ã£ã¦å½ç¶ã®ãµã¼ãã¹ã¨èããããããã«ãªã£ã¦ãã¾ãããã£ãã·ã¥ããã¼ãã¹ã ã¼ãºã§ãããã¨ã¯ããã¬ã¤ç¶ç¶ã®ã¢ããã¼ã·ã§ã³ãå®å¿æã«ã¤ãªãããããããªã³ã«ã¸åºéæ©ããã¨ãããã¼ã¯ã¼ãã¯å¤ãã®ã¦ã¼ã¶ã¼ãæ¤ç´¢ãã人æ°ã¯ã¼ãã¨ãã¦å¸¸ã«ä¸ä½ã«ããã¾ãã
ãªã³ã©ã¤ã³ã«ã¸ãã§ã®åºéã¯ãåã«åå©éãç³è«ãã¦éè¡ãé»åã¦ã©ã¬ããã«å ¥éãããã¨ããç°¡åãªãã®ã§ã¯ããã¾ããããã¬ã¤ã¤ã¼ãåå©éãåºéããéã«ã¯ãéå¶å´ã®æ¬äººç¢ºèªãåºéç³è«ã®å¯©æ»ã決æ¸ã·ã¹ãã ã®å¦çãªã©å¤æ®µéã®æç¶ããå¿ è¦ã§ãã
ç¹ã«æ¬äººç¢ºèªï¼KYC: Know Your Customerï¼ã¯ã䏿£å©ç¨ãããã¼ãã³ããªã³ã°é²æ¢ã®ããã«æ¬ ãããªãå·¥ç¨ã§ããããã§æåºããæ¸é¡ã«ä¸åãããã¨å¯©æ»ãé·å¼ããçµæã¨ãã¦åºéã¾ã§ã®æéãå»¶ã³ããã¨ã«ãªãã¾ããå対ã«ãæ¬äººç¢ºèªãæ¸ãã§ããã°ãåºéæç¶ãã¯åçã«æ©ããªãã±ã¼ã¹ãå¤ããããªã³ã«ã¸åºéæ©ããã¨ããè©ä¾¡ã«ã¤ãªããã¾ãã
ããã«ãæ±ºæ¸æ¹æ³ã®é¸æãåºéæéã«å¤§ããå½±é¿ãã¾ããä¾ãã°é»åã¦ã©ã¬ãããå©ç¨ããå ´åã峿åºéã«è¿ãã¹ãã¼ãã§å¦çããããã¨ãããã¾ãããéè¡ééã®å ´åã¯å¶æ¥æ¥ãéè¡å´ã®å¦çæéã«å·¦å³ãããçµæã¨ãã¦åºéã¾ã§æ°æ¥ããããã¨ãããã¾ãã
ãªã³ã©ã¤ã³ã«ã¸ãã§ã®ã¹ã ã¼ãºãªåºéãå®ç¾ããæãæå¹ãªæ¹æ³ã¯ãã¢ã«ã¦ã³ãç»é²å¾ããã«æ¬äººç¢ºèªã®æç¶ããæ¸ã¾ãã¦ãããã¨ã§ããæåºæ¸é¡ãæã£ã¦ããã°ãåºéç³è«ãåºããç¬éããã»ã¼ã¹ãã¼ãã£ã¼ãªå¦çãå¯è½ã«ãªãã¾ããéå¶å´ã¯æ¬äººç¢ºèªæ¸ã¿ã®ã¢ã«ã¦ã³ãã«å¯¾ãã¦å¯©æ»å·¥æ°ãå¤§å¹ ã«åæ¸ã§ãããããçµæã¨ãã¦ã¦ã¼ã¶ã¼ã®ããªã³ã«ã¸åºéæ©ããã¨ããæå¾ ã«å¿ãããããªãã¾ãã
å¤ãã®ãªã³ã©ã¤ã³ã«ã¸ãã¯ãæ¬äººç¢ºèªæ¸é¡ãäºåã«æåºãã¦ããªãå ´åãåãã¦ã®åºéæã«å¤§éã®æ¸é¡ãæ±ãããããã¨ãããã¾ããããããæéããããããçµãããã¦ãããã¨ã§ãå¾ã ã®åºéã¹ãã¼ãã大ããåä¸ãã¾ãã
ãªã³ã©ã¤ã³ã«ã¸ãã§ã¯æ§ã ãªåºéæ¹æ³ãé¸ã¶ãã¨ãã§ãã¾ãããããããã®æ¹æ³ã§å¦çæéãç°ãªãã¾ãã
é»åã¦ã©ã¬ããï¼ä¾ï¼ã¨ã³ãã¤ãºãã¹ãã£ãã¯ãã¤ãªã©ï¼ã¯ãä¸è¬çã«å³æãæ°æéã§åºéãå®äºããã±ã¼ã¹ãå¤ãã§ããããã¯ãªã³ã©ã¤ã³æ±ºæ¸ãµã¼ãã¹ã®ç¹æ§ã¨ãã¦ãéè¡ãããå¦çãæ©ããã¨ãçç±ã§ãã
䏿¹ã§ãéè¡ééã¯åæ ã¾ã§1ã3å¶æ¥æ¥ç¨åº¦ããããã¨ãä¸è¬çã§ããããã¯éè¡å´ã®å¦çã¹ã±ã¸ã¥ã¼ã«ãã»ãã¥ãªãã£ãã§ãã¯ã«ä¾åããé¨åã大ããããã§ãã
ãããã£ã¦ãããªã³ã«ã¸åºéæ©ãããæ±ããã®ã§ããã°ãé»åã¦ã©ã¬ããã®å©ç¨ãé常ã«å¹æçã§ãã
ãªã³ã©ã¤ã³ã«ã¸ãã®åºéç³è«ã¯ããã¬ã¤ã¤ã¼å´ãç³è«ãã¿ã³ãæ¼ãã¨å³åº§ã«ç¢ºå®ããããã§ã¯ããã¾ãããç³è«ãå±ãã¨ãéå¶å´ã¯ä»¥ä¸ã®ãããªå¯©æ»ããã»ã¹ãé²ãã¾ãã
æ¬äººç¢ºèªæ¸é¡ã®ç §å
ãã¬ã¤å±¥æ´ã¨åºéé¡ã®æ´åæ§ãã§ãã¯
ãã¼ãã¹å©ç¨æ¡ä»¶ã®ç¢ºèª
éå»ã®å ¥åºéç¶æ³ã®ç¢ºèª
ãããã®å¯©æ»ãå ¨ã¦å®äºãã¦åãã¦åºéå¦çãè¡ããã¾ããç¹ã«ãã¼ãã¹ãå©ç¨ãã¦ããå ´åãå©ç¨æ¡ä»¶ãã¯ãªã¢ããã¦ããªãã¨åºéãä¿çã«ãªã£ãããæå¦ãããã±ã¼ã¹ãããã¾ãããããã£ã¦ããªã³ã«ã¸åºéæ©ããä½é¨ãå¾ãããã«ã¯ããã¼ãã¹æ¡ä»¶ãååã«ç¢ºèªããªãããã¬ã¤ãããã¨ãéè¦ã§ãã
ä¾ãã°ãæ¬äººç¢ºèªæ¸é¡ã®ç»åãä¸é®®æã ã£ãããæå¹æéãåãã¦ããå ´åã審æ»ã忢ããçµæã¨ãã¦åºéãé å»¶ãããã¨ãããã¾ãã
å¤ãã®ãªã³ã©ã¤ã³ã«ã¸ãã§ã¯ãè¤æ°ã®ã¢ã«ã¦ã³ãã使ãããã¨ãç¦æ¢ãã¦ãã¾ããããè¤æ°ã¢ã«ã¦ã³ããçºè¦ããã¨ãåºéã忢ãããææªã®å ´åã¯ã¢ã«ã¦ã³ããåçµããããã¨ãããã¾ããããã«ããåºéãå¤§å¹ ã«é ããããããã¯åºéä¸å¯ã«ãªãã±ã¼ã¹ãããã¾ãã
ãã¼ããã¼ã«ã®ä½¿ç¨ã䏿£è¡çºãçãããå ´åãéå¶å´ã¯åºéãä¿çãã詳細ãªèª¿æ»ãè¡ãã¾ãããããåºéãé ããçç±ã®ä¸ã¤ã§ãã
以ä¸ã®ãããªç¹ãé¿ãããã¨ã§ãããªã³ã«ã¸åºéæ©ããã¨ããçæ³ã®ç°å¢ãå®ç¾ãããããªãã¾ãã
ãªã³ã©ã¤ã³ã«ã¸ãã§ã¹ã ã¼ãºã«åºéã§ããã¨ãããã¨ã¯ãåã«ç¾éãæ©ãæå ã«å ¥ãã ãã§ã¯ããã¾ããããã¬ã¤ã¤ã¼ã«ã¨ã£ã¦æ¬¡ã®ãããªä¾¡å¤ãçã¾ãã¾ãã
åºéãé ããã¨ããã£ããã®åå©éãæã«ããåã³ãèãã¦ãã¾ãã¾ããéã«æ©ãå¼ãåºããã°ãå®å¿æãéææãå¢ããããé·ããµã¼ãã¹ãå©ç¨ããããªãå¾åãããã¾ãã
åºéã¹ãã¼ããæ©ããã¨ã¯ããã®ãªã³ã©ã¤ã³ã«ã¸ããéå¶é¢ã§æçãã¦ãããã¨ã®è¨¼ã§ãããã¾ããè³é管çã顧客対å¿ããã¡ãã¨æ´åããã¦ããããããã¬ã¤ã¤ã¼ããã®ä¿¡é ¼åº¦ãé«ããªãããã§ãã
æ©ãåºéã¯ããã¬ã¤ã¤ã¼èªèº«ã®è³é管çã«ãè²¢ç®ãã¾ããåå©éãããã«æå ã«æ»ããã°ã次ã®ãã¬ã¤è¨ç»ãè³éé åãç«ã¦ããããªãã¾ãã
æ¬è¨äºã§ã¯ããªã³ã«ã¸åºéæ©ããã¨ãããã¼ãã«ã¤ãã¦ããã®éè¦æ§ãä»çµã¿ãæ©ãåºéãå®ç¾ããããã®ãã¤ã³ããããã¦åºéã«é¢ããæ³¨æç¹ã詳ãã解説ãã¾ããããªã³ã©ã¤ã³ã«ã¸ããé¸ã¶éãåã«ã²ã¼ã ã®ç¨®é¡ããã¼ãã¹ã®å¤§ããã ããè¦ã¦ãã¾ããã¡ã§ãããæçµçã«éè¦ãªã®ã¯ãåå©éãå®å¿ãã¦åãåãããã©ãããã§ãã
ã¹ã ã¼ãºãªåºéã¯ãã¬ã¤ã¤ã¼ã«å®å¿æãããããããµã¼ãã¹èªä½ã¸ã®ä¿¡é ¼æ§ãé«ãã¾ããäºåã«æ¬äººç¢ºèªãæ¸ã¾ããåºéæ¹æ³ãæé©åããã«ã¸ãå´ã®ã«ã¼ã«ãããçè§£ãã¦ãããã¨ããããªã³ã«ã¸åºéæ©ããä½é¨ãå¾ãããã®è¿éã§ãã
ãªã³ã©ã¤ã³ã«ã¸ãã§ã®åå©ããã£ããã¨ç¾å®ã®ãã®ã«ããããã«ããã²ãã®è¨äºã§ç´¹ä»ãããã¤ã³ããåèã«ãã¦ãã ãããé«ãåºéé度ã¯ãæé«ã®ãªã³ã©ã¤ã³ã«ã¸ãä½é¨ã®ä¸é¨ã§ãããããªãã®æºè¶³åº¦ã大ããå·¦å³ããéè¦ãªè¦ç´ ã§ãã