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Core Viewpoint - The article discusses the new regulatory framework issued by the People's Bank of China, emphasizing a risk-based approach to customer due diligence in financial institutions, balancing anti-money laundering measures with the need for efficient financial services [1][3]. Group 1: Regulatory Changes - The new regulation cancels the previous requirement for customers to register the source of funds for cash withdrawals exceeding 50,000 yuan, maintaining consistency with the earlier draft [1]. - Financial institutions are now required to conduct customer due diligence based on the risk profile of clients and the nature of transactions, avoiding mismatched measures against money laundering risks [3][5]. Group 2: Balancing Security and Convenience - The regulation aims to address the tension between the public's desire for convenient financial services and the necessity for security against financial crimes such as telecom fraud and online gambling [3][5]. - There is a recognition of the complaints from customers regarding excessive inquiries during banking processes, while also acknowledging the need for thorough due diligence to prevent financial losses [5]. Group 3: Risk-Based Approach - Financial institutions must implement simplified measures for low money laundering risk scenarios while enhancing due diligence for high-risk situations [7][8]. - Examples illustrate that if a customer's transaction history is consistent and within reasonable limits, minimal additional verification is required. Conversely, unusual transaction patterns necessitate further investigation [8]. Group 4: Privacy and Compliance - The article clarifies that conducting customer due diligence does not conflict with personal privacy rights, as it is a standard practice in anti-money laundering efforts globally [10][11]. - Financial institutions are legally obligated to maintain confidentiality regarding customer information obtained during due diligence processes, with strict penalties for violations [11].