新京报消息，据智通财经报道，2026年1月起，一批新的法律法规将开始施行。其中，根据中国人民银 行等多部门发布的《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》，自2026年1月1 日起，"个人存取现金超5万元需登记资金来源"的规定取消。 应该看到，一刀切地要求对存取款超5万元的行为进行登记、询问，本质上是把所有的金融客户当作了 潜在风险对象进行防范。这一逻辑，不仅与银行和客户之间的服务与被服务关系存在内在的冲突，也反 映出一种非常粗放、效率存疑的应对思维，与现代化治理要求和技术进步的大背景，在一定程度上形成 了一种脱节。 一方面，这在一定程度上限制了个人的存取款自由，不仅可能徒增不便和不适，也带来个人隐私泄露的 新风险；另一方面，还加大了银行工作人员的业务负担，既耗费更多的沟通精力，也容易影响工作效 率。 更不容忽视的是，它在部分地方还出现了执行上的"层层加码"。如媒体报道，一些地方的银行甚至要 求，客户取款达到3万元，就需联系民警到场核实。如此一刀切，且不说显著增加了个人金融业务办理 的不便，也明显推高了全社会风险防控的综合成本。因此，舆论对于优化相关规定的呼声一直存在。 随着新规落地，"个人 ...

▲资料图：用户正在存取款。图/IC photo 过去几年，在银行存取款达到一定额度，即可能被要求登记，并被工作人员询问资金来源、用途等信 息，想必很多人都经历过。这一做法的一个现实背景是，为了防范电信诈骗等金融犯罪，是金融领域配 合打击电信网络诈骗的重要举措之一。 客观说，在电信诈骗风险高发的现实背景下，该做法起到了风险防范关口前移的作用。但与此同时，它 的合理性一直伴随着争议。 一方面，这在一定程度上限制了个人的存取款自由，不仅可能徒增不便和不适，也带来个人隐私泄露的 新风险；另一方面，还加大了银行工作人员的业务负担，既耗费更多的沟通精力，也容易影响工作效 率。 而所谓"基于风险"开展客户尽职调查，既包括金融机构对较低洗钱风险采取简化措施，也包括对涉及较 高洗钱风险的情形采取强化尽职调查措施。也就是说，要实现"该严则严、当放则放"，推动金融机构在 提供金融服务时更加充分、合理地兼顾安全和便利。这一点，其实恰恰体现了治理现代化所追求的"精 准"要义。 更不容忽视的是，它在部分地方还出现了执行上的"层层加码"。如媒体报道，一些地方的银行甚至要 求，客户取款达到3万元，就需联系民警到场核实。如此一刀切，且不说显著 ...

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has officially released the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Keeping" which will take effect on January 1, 2026, emphasizing a risk-based approach to customer due diligence in financial institutions [1][3]. Group 1: Regulatory Changes - The requirement for banks to register the source of funds for cash withdrawals exceeding 50,000 yuan has been removed, aligning with the previous draft [1]. - Financial institutions are now required to conduct customer due diligence based on the risk profile of the customer and the nature of the transaction, avoiding measures that do not correspond to the identified money laundering risks [3][7]. Group 2: Risk-Based Approach - The new regulations allow banks to simplify procedures for low-risk transactions, such as pension withdrawals, where the source of income is clear and stable [4][5]. - In contrast, for high-risk scenarios, such as unusual large transfers from a student’s account, banks must implement enhanced due diligence measures to investigate the source and purpose of the funds [6][7]. Group 3: Implementation and Impact - The measures aim to balance the need for financial security with the facilitation of financial services, promoting a more efficient banking experience for customers [3][7]. - The principle of "strict where necessary, lenient where possible" is emphasized to ensure that financial institutions can provide services while maintaining adequate risk management [3][7].

Core Viewpoint - The new regulations issued by the People's Bank of China and other financial authorities emphasize a risk-based approach to customer due diligence and transaction monitoring, aiming to balance anti-money laundering measures with the facilitation of financial services [5][10]. Group 1: Regulatory Changes - The new "Customer Due Diligence and Customer Identity Information and Transaction Record Management Measures" will take effect on January 1, 2026, focusing on the principles of safety, accuracy, completeness, and confidentiality in managing customer information [5]. - The requirement for customers to register the source of funds for cash withdrawals exceeding 50,000 yuan has been removed, aligning with the previous draft [2]. Group 2: Risk-Based Approach - Financial institutions are now required to conduct customer due diligence based on the risk profile of the customer and the nature of the transactions, allowing for simplified measures for low-risk situations and enhanced scrutiny for high-risk cases [5][10]. - For example, pension withdrawals from social security accounts are considered low-risk, requiring only basic identity verification without additional documentation [6][7]. Group 3: Practical Implications - The new regulations allow banks to tailor their inquiries based on the risk level associated with transactions, thus avoiding a one-size-fits-all approach [4][10]. - Instances of unusual transactions, such as a university student receiving multiple large transfers inconsistent with their typical activity, will trigger enhanced investigation protocols [8][9]. Group 4: Industry Perspectives - Industry insiders highlight the need for clearer rules to balance "withdrawal freedom" with financial security obligations, emphasizing that withdrawal rights are subject to compliance with legal and regulatory standards [12][14]. - The call for a collaborative effort among financial institutions, regulators, and customers is crucial to achieving a balance between risk management and service optimization [14][15].

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has issued a new regulation on customer due diligence and transaction record management, effective from January 1, 2026, which simplifies the process for low-risk transactions while enhancing scrutiny for high-risk cases [1][5]. Group 1: Regulation Overview - The new regulation cancels the previous requirement for customers to register the source of funds for cash withdrawals exceeding 50,000 yuan, aligning with the earlier draft [1]. - Financial institutions are now required to conduct customer due diligence based on risk levels, allowing for a more tailored approach rather than a blanket inquiry for all customers [3][5]. Group 2: Risk-Based Approach - Banks will implement enhanced investigations for transactions deemed high-risk, while simplifying procedures for low-risk customers, such as those with consistent income sources [3][4]. - For example, a customer with a stable pension income will only need to verify their identity without further questioning about the funds' purpose [3]. Group 3: Transaction Monitoring - The regulation emphasizes the importance of maintaining accurate and complete records of customer identities and transaction histories to facilitate monitoring and investigation of suspicious activities [5]. - Financial institutions must balance the need for anti-money laundering measures with the optimization of financial services, ensuring that their actions are proportionate to the assessed risk [5].

Core Viewpoint - The new regulations issued by the People's Bank of China and other financial authorities emphasize a risk-based approach to customer due diligence, allowing financial institutions to tailor their inquiries based on the risk level associated with transactions and customers [3][9]. Summary by Sections Regulatory Changes - The requirement for customers to register the source of funds for cash withdrawals exceeding 50,000 yuan has been removed, aligning with previous drafts [4]. - Starting January 1, 2026, financial institutions must maintain customer identity information and transaction records securely and accurately, ensuring they can reproduce each transaction for due diligence and suspicious activity investigations [8]. Risk-Based Approach - The regulations mandate that financial institutions conduct customer due diligence based on the characteristics of the customer and the nature of the transactions, balancing anti-money laundering measures with the need to optimize financial services [9]. - Institutions are encouraged to simplify procedures for low-risk customers while implementing enhanced due diligence for high-risk scenarios [9]. Practical Examples - For instance, elderly customers receiving pensions are considered low-risk, requiring only basic identity verification without additional documentation [10][11]. - Conversely, if a university student suddenly receives multiple large transfers inconsistent with their usual transaction patterns, banks must initiate enhanced investigations to verify the source and purpose of the funds [12][13].

Core Viewpoint - The new regulations from the People's Bank of China and other financial authorities aim to balance anti-money laundering measures with customer service, emphasizing a risk-based approach to customer due diligence and transaction monitoring [4][5][7]. Regulatory Changes - The new "Customer Due Diligence and Customer Identity Data and Transaction Record Management Measures" will take effect on January 1, 2026, and eliminate the requirement for customers withdrawing cash over 50,000 yuan to declare the source of funds [2][4]. - Banks will no longer apply a uniform questioning policy for all customers but will assess the risk level to determine the necessity of further inquiries [3][5]. Risk-Based Approach - Financial institutions are required to conduct customer due diligence based on the risk profile of the customer and the nature of the transactions, allowing for simplified measures for low-risk situations and enhanced scrutiny for high-risk cases [5][7]. - Examples include treating pension withdrawals as low-risk transactions, while sudden large transfers from a student’s account would trigger enhanced investigation protocols [6][7]. Industry Perspectives - The concept of "withdrawal freedom" is framed as a relative freedom constrained by financial regulatory obligations, emphasizing that banks must ensure the legality and compliance of transactions before allowing withdrawals [10][11]. - Industry experts suggest that a balance between risk prevention and service optimization requires collaboration among financial institutions, regulatory bodies, and customers [13].

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has issued new regulations on customer due diligence and transaction record management, effective from January 1, 2026, emphasizing a risk-based approach to financial transactions [1][4]. Group 1: Regulatory Changes - The requirement for banks to register the source of funds for cash withdrawals exceeding 50,000 yuan has been removed, aligning with the previous draft [1][3]. - Financial institutions are mandated to maintain customer identity data and transaction records securely, ensuring they can reproduce each transaction for due diligence and suspicious activity investigations [4][8]. Group 2: Risk-Based Approach - The new regulations advocate for a risk-based customer due diligence process, allowing banks to simplify procedures for low-risk transactions while intensifying scrutiny for high-risk cases [4][8]. - For example, pension withdrawals from clear and stable income sources are considered low risk, requiring only basic identity verification [5][6]. Group 3: Practical Implications - The regulations aim to balance the need for security against the convenience of financial services, allowing banks to adjust their inquiry levels based on the risk profile of transactions [8][14]. - Instances of unusual transaction patterns, such as a sudden influx of large transfers inconsistent with a customer's typical behavior, will trigger enhanced investigations [7][8]. Group 4: Industry Perspectives - Industry experts emphasize the need for clearer rules to navigate the tension between withdrawal freedom and financial security, advocating for collaborative efforts among financial institutions, regulators, and customers [11][14]. - The concept of "withdrawal freedom" is framed as a relative right, subject to compliance with legal and regulatory obligations, particularly concerning anti-money laundering and fraud prevention [12][14].

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has announced the cancellation of the requirement for individuals to register the source of cash withdrawals exceeding 50,000 yuan, effective January 1, 2026, allowing banks to adopt a risk-based approach in their inquiries [1][2][3]. Group 1: Regulatory Changes - The new regulation eliminates the blanket requirement for banks to inquire about the purpose of cash withdrawals over 50,000 yuan, aligning with previous drafts [2][3]. - Banks will now assess the risk level of transactions to determine whether to conduct further inquiries, enhancing the balance between anti-money laundering measures and customer service [3][4]. Group 2: Risk-Based Approach - Financial institutions are mandated to conduct customer due diligence based on the risk profile of clients and the nature of transactions, ensuring that measures are proportionate to the identified risks [3][5]. - For low-risk transactions, such as pension withdrawals, banks will only need to verify identity without additional questioning, while higher-risk transactions will trigger enhanced scrutiny [4][5]. Group 3: Industry Reactions - The recent changes come in response to public concerns over excessive questioning by banks, as highlighted by a recent incident involving a lawyer being interrogated about cash withdrawals [6][7]. - Industry experts emphasize the need for clearer regulations to balance customer withdrawal freedoms with the obligations of banks to prevent fraud and money laundering [7][8].

Core Points - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has officially released the "Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Keeping Management" which will take effect on January 1, 2026 [4][6] - The new regulation eliminates the requirement for customers to register the source of funds for cash withdrawals exceeding 50,000 yuan, aligning with the previous draft [2][3] - Financial institutions are now required to conduct customer due diligence based on risk, allowing for simplified measures for low-risk situations while implementing enhanced scrutiny for high-risk cases [4][5] Summary by Sections Regulation Changes - The new regulation allows banks to determine the necessity of inquiries based on the risk profile of the transaction rather than applying a blanket approach [3][4] - The principle of "risk-based" customer due diligence is emphasized, requiring financial institutions to balance anti-money laundering measures with the optimization of financial services [4][6] Practical Examples - For low-risk transactions, such as pension withdrawals by elderly customers, banks will only need to verify identity without requiring additional documentation [5][6] - Conversely, if a university student suddenly receives multiple large transfers inconsistent with their usual transaction patterns, banks must initiate enhanced investigations to verify the source and purpose of the funds [6][7] Industry Perspectives - The recent changes have sparked discussions about the balance between "withdrawal freedom" and "fund security," highlighting the need for clearer regulations to address these concerns [7][8] - Industry experts suggest that achieving a balance between risk prevention and service optimization requires collaboration among financial institutions, regulatory bodies, and customers [10]