个人存取款超5万不再登记：该严则严，当放则放｜新京报快评

Core Viewpoint - Starting from January 1, 2026, the requirement for individuals to register the source of funds when withdrawing cash exceeding 50,000 yuan will be abolished, allowing banks to determine inquiries based on risk assessment rather than a blanket rule [2][3]. Group 1: Regulatory Changes - The new regulation will eliminate the mandatory registration of cash withdrawals over 50,000 yuan, which has been a significant measure to combat financial crimes such as telecom fraud [2][3]. - The policy shift aims to balance financial risk prevention with the optimization of banking services, allowing for simplified measures in low-risk situations while maintaining rigorous checks in high-risk scenarios [3][4]. Group 2: Impact on Banking Operations - The previous requirement for registration and inquiries has been criticized for limiting personal banking freedom and increasing the workload for bank staff, leading to inefficiencies [2][3]. - The new approach emphasizes a risk-based principle, enabling banks to conduct due diligence tailored to customer profiles and transaction characteristics, thus enhancing service efficiency [4]. Group 3: Broader Implications - The shift away from a one-size-fits-all approach reflects a modernized governance strategy that seeks to align financial services with technological advancements and customer needs [4]. - Similar blanket policies have been observed in other sectors, indicating a broader need for regulatory reform to reduce unnecessary burdens on individuals [5].