2026年起，个人存取现金将一律按“新规”来，有存款的赶紧看看！

Core Viewpoint - The recent regulation by the central bank and financial regulatory authorities to abolish the requirement for individuals to register the source of funds for cash withdrawals exceeding 50,000 yuan starting in 2026 is seen as a move to enhance privacy while raising concerns about potential misuse for illegal activities such as money laundering and tax evasion [1][3]. Group 1: Regulatory Changes - The new regulation marks a shift from the previous requirement established in early 2022, which mandated individuals to register the source or purpose of cash withdrawals over 50,000 yuan, a rule that faced significant public debate and was later postponed due to "technical reasons" [3]. - The cancellation of the cash withdrawal registration requirement is not a relaxation of regulations but rather a transition to more efficient financial oversight methods [5][9]. Group 2: Differentiated Supervision - The new regulatory framework introduces a "differentiated" supervision model, where banks will not inquire about the source of funds for large cash withdrawals under low-risk conditions, thus reducing the burden on customers [5]. - In cases of "abnormal transactions," such as a sudden influx of large cash withdrawals, banks are still required to investigate the source and flow of funds [5][6]. Group 3: Limitations of Previous Regulations - The previous requirement for customers to state the purpose of large cash withdrawals was often ineffective, as customers could easily provide vague reasons without thorough verification from banks, limiting the regulation's impact on deterring illegal activities [6]. - The effectiveness of the prior cash withdrawal regulation in combating money laundering and other illicit activities was minimal, serving more as a deterrent than a robust enforcement mechanism [6]. Group 4: Digital Currency Implications - The introduction and promotion of digital currency in China are expected to enhance regulatory capabilities, as digital transactions can be tracked in detail, making it harder for illegal activities to go undetected [7][9]. - The shift away from cash transaction regulations is aligned with the broader strategy to accelerate the adoption of digital currency, which offers better tools for monitoring and preventing non-cash-related financial crimes [9].