事关存钱取钱央行等三部门向社会征求意见

Core Points - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has drafted a consultation paper for a new management method regarding customer due diligence and the preservation of customer identity information and transaction records [1] - The consultation draft does not mention the previous requirement for individuals to register the source of funds for cash deposits or withdrawals exceeding 50,000 RMB [1] - Financial institutions are required to conduct customer due diligence for one-time financial services with transaction amounts exceeding 50,000 RMB or equivalent to 10,000 USD, and to retain copies of valid identification documents [1] - The management method emphasizes the use of electronic means for high-quality preservation of customer data and transaction records, mandating that such records be kept for at least 10 years after the end of the business relationship or transaction [1] Related Information - The People's Bank of China is enhancing risk-based anti-money laundering regulatory requirements [2] - The central bank plans to revise the rules for the RMB cross-border payment system [2] - Starting from August 1, cash purchases of gold exceeding 100,000 RMB will need to be reported [2]