We're upgrading the KYC system. The old system rates customer risk as low, medium, or high; the new one uses levels 1 to 5, and anyone at level 4 or above gets an annual review. Of our 120,000 customers, 30% are rated medium, and the business says just map all medium to level 3. Do you agree?

KYC 系统升级，旧系统客户风险评级只有低中高三档，新系统是 1 到 5 级，4 级以上每年复审。12 万客户里 30% 是「中」，业务方说「中」统一映射成 3 级就行。你同意吗？