人民银行：金融机构采取洗钱风险管理措施，不得违法冻结客户资金

Core Viewpoint - The People's Bank of China has approved new regulations on customer due diligence and transaction record management, effective from January 1, 2026, emphasizing enhanced risk management for money laundering and terrorist financing [1] Group 1: Regulatory Framework - The new regulations were reviewed and approved during the 14th executive meeting of the People's Bank of China on October 11, 2025, with consent from the National Financial Regulatory Administration and the China Securities Regulatory Commission [1] - Financial institutions are required to implement strengthened due diligence measures and may impose reasonable restrictions on customers' transaction methods, scales, frequencies, and types of services if risks are identified [1] Group 2: Risk Management Measures - If a financial institution assesses that a customer's money laundering or terrorist financing risk exceeds its risk management capabilities, it must refuse to conduct business or terminate existing business relationships [1] - Financial institutions must adhere to relevant management regulations and procedures when implementing money laundering risk management measures, ensuring that they do not unlawfully freeze customer funds or take disproportionate actions against the identified risks [1] Group 3: Customer Rights Protection - The regulations stipulate that basic and essential financial services related to medical care, social security, and public utilities must be guaranteed for customers, regardless of the money laundering risk status [1]