央行等三部门发布新规，银行取钱不再“一刀切”式询问

Core Points - The new regulation issued by the People's Bank of China, the National Financial Regulatory Administration, and the China Securities Regulatory Commission aims to prevent money laundering and terrorist financing by allowing financial institutions to tailor their customer due diligence based on specific risk levels rather than applying a blanket approach [2][4][5] Group 1: General Provisions - The regulation is designed to standardize customer due diligence, customer identity information, and transaction record management to maintain national security and financial order [4] - Financial institutions are required to adopt a risk-based approach, conducting enhanced due diligence for high-risk situations and simplified measures for low-risk scenarios [4][5] Group 2: Customer Due Diligence - Financial institutions must conduct customer due diligence when establishing business relationships or providing significant one-time financial services, particularly when there are reasonable suspicions of money laundering or terrorist financing [9][10] - Institutions are prohibited from providing services to unidentified customers or opening anonymous accounts [10][11] Group 3: Record Keeping - Financial institutions are mandated to maintain customer identity information and transaction records for at least ten years after the end of the business relationship or one-time service [37][38] - The records must be stored securely to ensure they can be reproduced and provided to regulatory authorities when necessary [37] Group 4: Legal Responsibilities - Violations of the regulation may result in penalties imposed by the People's Bank of China or relevant financial management departments [41] - The regulation will come into effect on January 1, 2026, replacing previous regulations [47][52]