取款超5万不再需要登记，2026年1月1日起施行

Core Viewpoint - The People's Bank of China has released the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Retention" which emphasizes a risk-based approach to customer due diligence, balancing anti-money laundering risk prevention and optimizing financial services [1][5] Summary by Relevant Sections Customer Due Diligence - Financial institutions are required to conduct customer due diligence based on risk, with the principle of "Know Your Customer" guiding the identification and verification of customer identities and their beneficial owners [3][4] - The regulation cancels the previous requirement for cash withdrawals over 50,000 yuan to register the source of funds, aligning with the draft opinion [1][5] Risk Assessment - Banks will no longer uniformly inquire about the purpose of withdrawals; instead, they will assess the risk level and decide whether to conduct further inquiries based on the identified risks [3][4] - For higher money laundering and terrorist financing risks, enhanced due diligence measures must be taken, while lower-risk situations can follow simplified procedures [3][4] Cross-Border Transactions - The regulation specifies that for cross-border remittances, financial institutions must verify the accuracy of the remitter's information for amounts over 5,000 yuan or equivalent to 1,000 USD [4] - If there are reasonable grounds to suspect money laundering or terrorist financing, verification is required regardless of the amount [4] Industry Context - The introduction of these measures responds to the need for financial services to be efficient while addressing the rising threats of telecommunication fraud and online gambling [4] - The regulation aims to strike a balance between security and convenience in financial services, allowing for a more tailored approach to customer due diligence [5]