事关存钱取钱 三部门向社会征求意见！业内人士解读

Core Viewpoint - The People's Bank of China, along with financial regulatory authorities, has drafted a consultation document for a new management approach to customer due diligence and record-keeping in financial institutions, aiming to enhance the prevention of money laundering and terrorist financing activities [1] Group 1: Regulatory Changes - The consultation draft does not include the previous requirement for cash transactions over 50,000 yuan to register the source of funds, instead focusing on risk-based customer due diligence [3] - Financial institutions are required to implement simplified measures for low-risk situations, enhancing the convenience for the public in conducting normal financial transactions [3][5] - Enhanced due diligence measures are only mandated in high-risk scenarios related to money laundering or terrorist financing [3][5] Group 2: Record-Keeping Requirements - The management approach specifies that customer identity information and transaction records must be retained for at least 10 years after the business relationship or transaction ends [7] - Financial institutions are encouraged to gradually adopt electronic methods for high-quality preservation of customer data and transaction records [7] Group 3: Risk Management - Recent money laundering cases have highlighted the inadequacy of due diligence in some financial institutions, which often apply a one-size-fits-all approach to different risk levels [9] - The new management approach emphasizes a risk-based principle, detailing differentiated measures for various risk scenarios, aiming to establish a dynamic and precise money laundering risk prevention mechanism [9]