新规来了！银行存取钱不再一刀切式询问，取款超5万不再需要登记

Core Viewpoint - The People's Bank of China and other regulatory bodies have introduced a new regulation that allows for differentiated treatment of cash transactions, moving away from a one-size-fits-all approach to enhance efficiency and privacy for customers [3][12]. Group 1: Regulatory Changes - The new regulation will take effect on January 1, 2026, allowing banks to assess the risk profile of customers and adjust their inquiries accordingly during cash transactions [3]. - High-risk transactions will still require additional questioning regarding the source and purpose of funds, while low-risk transactions will be processed with simplified measures [3][12]. Group 2: Rationale Behind Changes - The shift from a one-size-fits-all approach to a differentiated method aims to improve the efficiency of banking operations, as the previous regulations caused delays and dissatisfaction among customers [5][9]. - The new approach is expected to reduce the workload for bank staff, as it eliminates the need for all customers to provide detailed information for large cash transactions [6][9]. - Previous methods of managing large cash transactions were largely ineffective, as customers often provided fabricated information without thorough verification from banks [10]. Group 3: Benefits of the New Regulation - The new regulation will facilitate quicker and more convenient cash transactions for the general public, while also protecting customer privacy [12]. - Banks will be able to provide more precise and efficient services by focusing on high-risk transactions rather than applying blanket rules to all customers [12].