教授，博士生導(dǎo)師。復(fù)旦大學(xué)中國反洗錢研究中心首任主任，復(fù)旦大學(xué)俄...
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復(fù)旦大學(xué)法學(xué)院教授、博士生導(dǎo)師；復(fù)旦大學(xué)國際刑法研究中心主任。...
華東政法大學(xué)刑法學(xué)教授，復(fù)旦大學(xué)中國反洗錢研究中心特聘研究員，荷...
安永金融服務(wù)風(fēng)險管理、咨詢總監(jiān)，曾任螞蟻金服反洗錢總監(jiān)，復(fù)旦大學(xué)...
周錦賢先生，香港人，廣州暨南大學(xué)法律學(xué)士，復(fù)旦大學(xué)中國反洗錢研究中...
高級經(jīng)濟(jì)師，復(fù)旦大學(xué)金融學(xué)博士，復(fù)旦大學(xué)經(jīng)濟(jì)學(xué)博士后。現(xiàn)供職于中...
武漢中南財經(jīng)政法大學(xué)信息安全學(xué)院教授。長期專注于反洗錢/反恐...
生辰：1977.7.26 籍貫：遼寧撫順 民族：漢 黨派：九三學(xué)社 職稱：教授 研究...
祝亞雄，1974年生，浙江衢州人。浙江師范大學(xué)經(jīng)濟(jì)與管理學(xué)院副教授，博...
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工作履歷：曾在國家審計署從事審計工作，是國家第一批政府審計師；曾在...
Reserve Bank of India Governor Sanjay Malhotra today highlighted that there is a need to be mindful of the measures meant to prevent money laundering should not be overzealous which can stifle investments. He noted that laws and regulations with surgical precision target only the illegitimate and the illicit but are broad and blunt tools to unintentionally hurt even the honest.
"While we continue to keep our financial systems safe from money laundering and terrorist financing, policymakers must ensure that our measures are not overzealous and do not stifle legitimate activities and investments," Malhotra said while speaking at the Private Sector Collaborator Forum 2025 in Mumbai.
"...While making the policy, it's important to have very precise and balanced regulations. It's equally important that while we are implementing them, we keep the impact that they are going to have on the person in mind. Risk-based approach is recommended in this regard,” he added.
Taking the example of digital KYC and video KYC, the Governor further highlighted that India has made huge strides in applying digitalisation for customer onboarding and customer due diligence processes. He said that the Central KYC Records Registry with more than one billion records is another example that has the potential of ushering in a new era of customer onboarding by making it easier and seamless not only for the customers but also for the regulated entities to perform customer identification and due diligence.
Malhotra also pitched for better coordination among the stakeholders to avoid the "unnecessary" process of making people repeatedly undergo the know-your-customer (KYC) requirements.
RBI on Money Laundering
The central bank plays an important role in combating money laundering through its Anti-Money Laundering (AML) and Countering Financing of Terrorism (CFT) guidelines.
Through its KYC norms, the RBI protects banks from intentional or unintentional money laundering or terrorist financing activities. Banks are also advised to follow certain customer identification procedures for opening of accounts and monitoring transactions of a suspicious nature to report it to the appropriate authority.
Activities like money laundering can destabilise a country's financial sector. It can disrupt the flow of “hot money” from sudden inflows and outflows, potentially leading to banking crises, poor revenue collection, weak governance, damage to the reputation of international financial centers, and even the loss of correspondent banking relationships (CBRs).