个人存取款超5万将告别“一刀切”式登记

Core Viewpoint - The new regulatory framework eliminates the blanket requirement for customers to declare the source of funds for cash withdrawals exceeding 50,000 yuan, shifting to a risk-based approach for customer due diligence [1][2][4] Group 1: Regulatory Changes - The new regulation cancels the requirement for customers to register the source of funds for cash withdrawals over 50,000 yuan, aiming to optimize financial services while maintaining anti-money laundering standards [2][5] - Financial institutions are now required to conduct customer due diligence based on risk, allowing for simplified measures for lower-risk transactions and enhanced scrutiny for higher-risk situations [2][5] Group 2: Customer Due Diligence - Customer due diligence remains essential for financial institutions to fulfill their anti-money laundering obligations and to identify suspicious activities [4][5] - In cases of higher money laundering risk, such as unusual transaction patterns, financial institutions will need to ask more questions and verify the transaction background [3][4] Group 3: Privacy and Information Protection - The new regulation emphasizes the protection of personal information and commercial secrets, requiring financial institutions to implement necessary measures to safeguard customer data [6] - Customer due diligence is framed as a public interest necessity, which does not conflict with individual privacy protection [5][6]