跨境汇款超5000元需核实身份

Core Points - The new regulations aim to enhance anti-money laundering measures rather than restrict cross-border remittances, with a focus on verifying sender information for transactions above 5,000 RMB or 1,000 USD starting January 1, 2026 [1][2][5] Group 1: Regulatory Changes - The new regulations are a response to the revised Anti-Money Laundering Law, which will take effect on January 1, 2025, and are designed to meet international anti-money laundering standards [3][5] - The regulations establish a clear verification threshold for cross-border remittances, requiring financial institutions to verify sender identity for transactions exceeding 5,000 RMB or 1,000 USD [6][7] - The regulations emphasize a risk-based approach, allowing institutions to verify sender information regardless of transaction amount if there are reasonable suspicions of money laundering or terrorist financing [6][7] Group 2: Institutional Responsibilities - Financial institutions acting as intermediaries in cross-border remittances must fully transmit sender and recipient information and can suspend or refuse transactions if information is missing or suspicious [7][8] - The retention period for customer identity and transaction records has been extended from 5 years to 10 years, enhancing data availability for monitoring and investigation [7][9] - The scope of institutions required to conduct customer due diligence has been expanded to include non-bank payment institutions and wealth management companies [7][9] Group 3: Impact on Illegal Currency Exchange - The regulations aim to combat illegal currency exchange practices, which have become increasingly sophisticated, often involving complex methods to evade detection [8][9] - Recent cases have highlighted the use of virtual currencies, such as Tether (USDT), in illegal cross-border exchanges, with some cases involving transaction amounts exceeding 1 billion RMB [9][10] - Judicial cases have demonstrated a commitment to cracking down on illegal currency exchange, with significant penalties imposed for those involved in such activities [10]