新规来了！银行取钱不再一刀切式询问：取消“个人存取现金超5万元需登记”规定

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has officially released the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Keeping" which will take effect on January 1, 2026, emphasizing a risk-based approach to customer due diligence in financial institutions [1][3]. Group 1: Regulatory Changes - The requirement for banks to register the source of funds for cash withdrawals exceeding 50,000 yuan has been removed, aligning with the previous draft [1]. - Financial institutions are now required to conduct customer due diligence based on the risk profile of the customer and the nature of the transaction, avoiding measures that do not correspond to the identified money laundering risks [3][7]. Group 2: Risk-Based Approach - The new regulations allow banks to simplify procedures for low-risk transactions, such as pension withdrawals, where the source of income is clear and stable [4][5]. - In contrast, for high-risk scenarios, such as unusual large transfers from a student’s account, banks must implement enhanced due diligence measures to investigate the source and purpose of the funds [6][7]. Group 3: Implementation and Impact - The measures aim to balance the need for financial security with the facilitation of financial services, promoting a more efficient banking experience for customers [3][7]. - The principle of "strict where necessary, lenient where possible" is emphasized to ensure that financial institutions can provide services while maintaining adequate risk management [3][7].