{"id":580306,"date":"2023-12-28T03:16:45","date_gmt":"2023-12-28T03:16:45","guid":{"rendered":"https:\/\/proxyelite.info\/glossary\/kyc-know-your-customer\/"},"modified":"2023-12-28T03:16:45","modified_gmt":"2023-12-28T03:16:45","slug":"kyc-know-your-customer","status":"publish","type":"glossary","link":"https:\/\/proxyelite.info\/vi\/glossary\/kyc-know-your-customer\/","title":{"rendered":"KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n)"},"content":{"rendered":"

Th\u00f4ng tin t\u00f3m t\u1eaft v\u1ec1 KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng)<\/h2>\n

Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n, th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 KYC, l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng c\u01a1 b\u1ea3n trong th\u1ebf gi\u1edbi t\u00e0i ch\u00ednh, th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1. \u0110\u00f3 l\u00e0 m\u1ed9t quy tr\u00ecnh m\u00e0 c\u00e1c doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng ho\u1eb7c kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, \u0111\u1ea3m b\u1ea3o h\u1ecd ch\u00ednh l\u00e0 ng\u01b0\u1eddi m\u00e0 h\u1ecd tuy\u00ean b\u1ed1. M\u1eb7c d\u00f9 KYC th\u01b0\u1eddng g\u1eafn li\u1ec1n v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh nh\u01b0ng n\u00f3 l\u1ea1i \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong nhi\u1ec1u ng\u00e0nh kh\u00e1c nhau, bao g\u1ed3m c\u1ea3 l\u0129nh v\u1ef1c m\u00e1y ch\u1ee7 proxy.<\/p>\n

Th\u00f4ng tin chi ti\u1ebft v\u1ec1 KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n). M\u1edf r\u1ed9ng ch\u1ee7 \u0111\u1ec1 KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n).<\/h2>\n

KYC l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m nhi\u1ec1u m\u1eb7t bao g\u1ed3m nhi\u1ec1u kh\u00eda c\u1ea1nh kh\u00e1c nhau c\u1ee7a vi\u1ec7c x\u00e1c minh danh t\u00ednh. M\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a n\u00f3 l\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro nh\u01b0 gian l\u1eadn, r\u1eeda ti\u1ec1n v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c. Trong b\u1ed1i c\u1ea3nh m\u00e1y ch\u1ee7 proxy, KYC \u0111\u00f3ng vai tr\u00f2 l\u00e0 th\u00e0nh ph\u1ea7n quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec t\u00ednh minh b\u1ea1ch v\u00e0 b\u1ea3o m\u1eadt.<\/p>\n

Ph\u00e2n t\u00edch c\u00e1c t\u00ednh n\u0103ng ch\u00ednh c\u1ee7a KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n).<\/h2>\n

\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 KYC, \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 ph\u1ea3i ph\u00e2n t\u00edch c\u00e1c t\u00ednh n\u0103ng ch\u00ednh c\u1ee7a n\u00f3:<\/p>\n

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    X\u00e1c minh danh t\u00ednh<\/strong>: KYC li\u00ean quan \u0111\u1ebfn vi\u1ec7c x\u00e1c minh danh t\u00ednh c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng t\u00e0i li\u1ec7u \u0111\u00e1ng tin c\u1eady, ch\u1eb3ng h\u1ea1n nh\u01b0 ID do ch\u00ednh ph\u1ee7 c\u1ea5p, h\u1ed9 chi\u1ebfu ho\u1eb7c h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc.<\/p>\n<\/li>\n

  2. \n

    Th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng (CDD)<\/strong>: CDD l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a KYC, n\u01a1i c\u00e1c doanh nghi\u1ec7p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro li\u00ean quan \u0111\u1ebfn t\u1eebng kh\u00e1ch h\u00e0ng v\u00e0 theo d\u00f5i c\u00e1c giao d\u1ecbch c\u1ee7a h\u1ecd.<\/p>\n<\/li>\n

  3. \n

    Gi\u00e1m s\u00e1t li\u00ean t\u1ee5c<\/strong>: KYC kh\u00f4ng ph\u1ea3i l\u00e0 qu\u00e1 tr\u00ecnh m\u1ed9t l\u1ea7n. Doanh nghi\u1ec7p ph\u1ea3i li\u00ean t\u1ee5c theo d\u00f5i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 ph\u00e1t hi\u1ec7n b\u1ea5t k\u1ef3 h\u00e0nh vi \u0111\u00e1ng ng\u1edd ho\u1eb7c thay \u0111\u1ed5i n\u00e0o trong h\u1ed3 s\u01a1 r\u1ee7i ro.<\/p>\n<\/li>\n

  4. \n

    S\u1ef1 tu\u00e2n th\u1ee7<\/strong>: Th\u1ee7 t\u1ee5c KYC ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 qu\u1ed1c t\u1ebf, ch\u1eb3ng h\u1ea1n nh\u01b0 lu\u1eadt Ch\u1ed1ng r\u1eeda ti\u1ec1n (AML) v\u00e0 Ch\u1ed1ng t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 (CTF).<\/p>\n<\/li>\n<\/ol>\n

    C\u00e1c lo\u1ea1i KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n)<\/h2>\n

    KYC c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i th\u00e0nh nhi\u1ec1u lo\u1ea1i, t\u00f9y thu\u1ed9c v\u00e0o m\u1ee9c \u0111\u1ed9 gi\u00e1m s\u00e1t v\u00e0 t\u00ednh ch\u1ea5t c\u1ee7a m\u1ed1i quan h\u1ec7 kinh doanh:<\/p>\n\n\n\n\n\n\n\n\n
    Lo\u1ea1i KYC<\/th>\nS\u1ef1 mi\u00eau t\u1ea3<\/th>\n<\/tr>\n<\/thead>\n
    KYC \u0111\u01a1n gi\u1ea3n<\/td>\nTh\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 r\u1ee7i ro th\u1ea5p v\u1edbi m\u1ee9c \u0111\u1ed9 th\u1ea9m \u0111\u1ecbnh t\u1ed1i thi\u1ec3u.<\/td>\n<\/tr>\n
    KYC c\u01a1 b\u1ea3n<\/td>\nLi\u00ean quan \u0111\u1ebfn vi\u1ec7c x\u00e1c minh danh t\u00ednh v\u00e0 ti\u1ebfn h\u00e0nh ki\u1ec3m tra l\u00fd l\u1ecbch c\u01a1 b\u1ea3n.<\/td>\n<\/tr>\n
    KYC n\u00e2ng cao<\/td>\nD\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao, y\u00eau c\u1ea7u \u0111i\u1ec1u tra chuy\u00ean s\u00e2u v\u00e0 gi\u00e1m s\u00e1t li\u00ean t\u1ee5c.<\/td>\n<\/tr>\n
    KYC doanh nghi\u1ec7p<\/td>\nT\u1eadp trung v\u00e0o vi\u1ec7c x\u00e1c minh danh t\u00ednh c\u1ee7a c\u00e1c ph\u00e1p nh\u00e2n v\u00e0 ch\u1ee7 s\u1edf h\u1eefu h\u01b0\u1edfng l\u1ee3i c\u1ee7a h\u1ecd.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    C\u00e1c c\u00e1ch s\u1eed d\u1ee5ng KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n), c\u00e1c v\u1ea5n \u0111\u1ec1 v\u00e0 gi\u1ea3i ph\u00e1p li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng.<\/h2>\n

    S\u1eed d\u1ee5ng KYC<\/h3>\n
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      Gi\u1ea3m thi\u1ec3u r\u1ee7i ro<\/strong>: KYC gi\u00fap doanh nghi\u1ec7p x\u00e1c \u0111\u1ecbnh v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ti\u1ec1m \u1ea9n li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh, ch\u1eb3ng h\u1ea1n nh\u01b0 gian l\u1eadn ho\u1eb7c t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh.<\/p>\n<\/li>\n

    2. \n

      B\u1ea3o m\u1eadt n\u00e2ng cao<\/strong>: Vi\u1ec7c tri\u1ec3n khai c\u00e1c quy tr\u00ecnh KYC m\u1ea1nh m\u1ebd s\u1ebd n\u00e2ng cao t\u00ednh b\u1ea3o m\u1eadt t\u1ed5ng th\u1ec3 c\u1ee7a doanh nghi\u1ec7p, b\u1ea3o v\u1ec7 c\u1ea3 c\u00f4ng ty v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.<\/p>\n<\/li>\n

    3. \n

      S\u1ef1 tu\u00e2n th\u1ee7<\/strong>: KYC r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd v\u00e0 quy \u0111\u1ecbnh, tr\u00e1nh c\u00e1c kho\u1ea3n ti\u1ec1n ph\u1ea1t n\u1eb7ng v\u00e0 c\u00e1c bi\u1ebfn ch\u1ee9ng ph\u00e1p l\u00fd.<\/p>\n<\/li>\n<\/ol>\n

      Nh\u1eefng th\u00e1ch th\u1ee9c v\u00e0 gi\u1ea3i ph\u00e1p<\/h3>\n
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        Quy\u1ec1n ri\u00eang t\u01b0 d\u1eef li\u1ec7u<\/strong>: B\u1ea3o v\u1ec7 d\u1eef li\u1ec7u nh\u1ea1y c\u1ea3m c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 r\u1ea5t quan tr\u1ecdng. Vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p m\u00e3 h\u00f3a v\u00e0 l\u01b0u tr\u1eef an to\u00e0n c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u vi ph\u1ea1m d\u1eef li\u1ec7u.<\/p>\n<\/li>\n

      2. \n

        Ngu\u1ed3n l\u1ef1c chuy\u00ean s\u00e2u<\/strong>: Qu\u00e1 tr\u00ecnh KYC c\u00f3 th\u1ec3 t\u1ed1n th\u1eddi gian v\u00e0 t\u1ed1n nhi\u1ec1u t\u00e0i nguy\u00ean. C\u00e1c gi\u1ea3i ph\u00e1p t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 h\u1ee3p l\u00fd h\u00f3a c\u00e1c quy tr\u00ecnh n\u00e0y.<\/p>\n<\/li>\n<\/ol>\n

        C\u00e1c \u0111\u1eb7c \u0111i\u1ec3m ch\u00ednh v\u00e0 c\u00e1c so s\u00e1nh kh\u00e1c v\u1edbi c\u00e1c thu\u1eadt ng\u1eef t\u01b0\u01a1ng t\u1ef1 d\u01b0\u1edbi d\u1ea1ng b\u1ea3ng v\u00e0 danh s\u00e1ch.<\/h2>\n

        KYC so v\u1edbi AML (Ch\u1ed1ng r\u1eeda ti\u1ec1n)<\/h3>\n\n\n\n\n\n\n\n\n
        Di\u1ec7n m\u1ea1o<\/th>\nKYC<\/th>\nAML<\/th>\n<\/tr>\n<\/thead>\n
        T\u1eadp trung<\/td>\nX\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng<\/td>\nPh\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n<\/td>\n<\/tr>\n
        Ph\u1ea1m vi<\/td>\nL\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m<\/td>\nL\u1ea5y giao d\u1ecbch l\u00e0m trung t\u00e2m<\/td>\n<\/tr>\n
        C\u01a1 s\u1edf ph\u00e1p l\u00fd<\/td>\nM\u1ed9t ph\u1ea7n c\u1ee7a Quy \u0111\u1ecbnh AML<\/td>\nQuy \u0111\u1ecbnh \u0111\u1ed9c l\u1eadp<\/td>\n<\/tr>\n
        Kh\u00e1ch quan<\/td>\nX\u00e1c minh danh t\u00ednh<\/td>\nPh\u00e1t hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh \u0111\u00e1ng ng\u1edd<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        C\u00e1c quan \u0111i\u1ec3m v\u00e0 c\u00f4ng ngh\u1ec7 trong t\u01b0\u01a1ng lai li\u00ean quan \u0111\u1ebfn KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n).<\/h2>\n

        T\u01b0\u01a1ng lai c\u1ee7a KYC g\u1eafn li\u1ec1n v\u1edbi nh\u1eefng ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7:<\/p>\n

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          X\u00e1c minh sinh tr\u1eafc h\u1ecdc<\/strong>: Vi\u1ec7c s\u1eed d\u1ee5ng sinh tr\u1eafc h\u1ecdc nh\u01b0 nh\u1eadn d\u1ea1ng khu\u00f4n m\u1eb7t v\u00e0 qu\u00e9t d\u1ea5u v\u00e2n tay cho KYC \u0111ang gia t\u0103ng, n\u00e2ng cao \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 b\u1ea3o m\u1eadt.<\/p>\n<\/li>\n

        2. \n

          Chu\u1ed7i kh\u1ed1i<\/strong>: C\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i \u0111\u01b0\u1ee3c kh\u00e1m ph\u00e1 \u0111\u1ec3 l\u01b0u tr\u1eef v\u00e0 chia s\u1ebb d\u1eef li\u1ec7u KYC m\u1ed9t c\u00e1ch an to\u00e0n, gi\u1ea3m nhu c\u1ea7u x\u00e1c minh d\u01b0 th\u1eeba.<\/p>\n<\/li>\n

        3. \n

          Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o<\/strong>: C\u00e1c quy tr\u00ecnh KYC do AI \u0111i\u1ec1u khi\u1ec3n c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ph\u00e1t hi\u1ec7n c\u00e1c \u0111i\u1ec3m b\u1ea5t th\u01b0\u1eddng v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd.<\/p>\n<\/li>\n<\/ol>\n

          C\u00e1ch s\u1eed d\u1ee5ng ho\u1eb7c li\u00ean k\u1ebft m\u00e1y ch\u1ee7 proxy v\u1edbi KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n).<\/h2>\n

          M\u00e1y ch\u1ee7 proxy \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong quy tr\u00ecnh KYC, cung c\u1ea5p t\u00ednh \u1ea9n danh v\u00e0 b\u1ea3o m\u1eadt trong qu\u00e1 tr\u00ecnh x\u00e1c minh danh t\u00ednh. \u0110\u00e2y l\u00e0 c\u00e1ch ch\u00fang c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c li\u00ean k\u1ebft:<\/p>\n

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            B\u1ea3o v\u1ec7 d\u1eef li\u1ec7u<\/strong>: M\u00e1y ch\u1ee7 proxy c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u nh\u1ea1y c\u1ea3m c\u1ee7a kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh KYC, gi\u1ea3m nguy c\u01a1 vi ph\u1ea1m d\u1eef li\u1ec7u.<\/p>\n<\/li>\n

          2. \n

            V\u1ecb tr\u00ed linh ho\u1ea1t<\/strong>: Proxy cho ph\u00e9p doanh nghi\u1ec7p truy c\u1eadp d\u1ecbch v\u1ee5 KYC t\u1eeb nhi\u1ec1u \u0111\u1ecba \u0111i\u1ec3m kh\u00e1c nhau, \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh to\u00e0n c\u1ea7u.<\/p>\n<\/li>\n

          3. \n

            B\u1ea3o m\u1eadt n\u00e2ng cao<\/strong>: M\u00e1y ch\u1ee7 proxy c\u1ee7a ProxyElite cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng m\u00e3 h\u00f3a v\u00e0 b\u1ea3o m\u1eadt ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u KYC, b\u1ea3o v\u1ec7 th\u00f4ng tin kh\u00e1ch h\u00e0ng.<\/p>\n<\/li>\n<\/ol>\n

            Li\u00ean k\u1ebft li\u00ean quan<\/h2>\n

            \u0110\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin v\u1ec1 KYC (Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n), b\u1ea1n c\u00f3 th\u1ec3 kh\u00e1m ph\u00e1 c\u00e1c t\u00e0i nguy\u00ean sau:<\/p>\n