强化反洗钱监管！客户尽职调查和资料保存新规将至，涉多类金融机构

Core Viewpoint - The People's Bank of China and other regulatory bodies have released a draft regulation aimed at enhancing anti-money laundering (AML) measures across various financial institutions, with a feedback deadline set for September 3, 2025 [1][6]. Group 1: Regulatory Framework - The draft regulation outlines detailed requirements for customer due diligence, customer identity documentation, and transaction record retention, providing operational guidelines for financial institutions [1][6]. - Six categories of financial institutions are required to comply with the AML obligations, including policy banks, commercial banks, rural cooperative banks, securities firms, insurance companies, and non-bank payment institutions [4][5]. - The regulation mandates that banks conduct customer due diligence for transactions exceeding RMB 50,000 or USD 10,000, and non-bank payment institutions must do the same for transactions above RMB 10,000 [4][5]. Group 2: Implementation and Impact - The regulation aims to enhance the effectiveness of customer due diligence and align with international AML standards, thereby improving risk management and compliance within the financial sector [6][8]. - Analysts suggest that while compliance costs may increase in the short term, the long-term benefits include enhanced stability and confidence in China's financial markets, facilitating cross-border capital flows and international cooperation [9]. - The regulation is seen as a critical upgrade to the AML regulatory framework, filling gaps in oversight and contributing to a safer and more transparent financial system [9].