本文字数：1759，阅读时长大约3分钟 11月28日，新版《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》正式发布，自2026 年1月1日起实施。该管理办法的一大亮点是减轻了人们的配合义务和配合成本，明确个人到银行单笔存 款或取款超过5万元人民币，或者等值1万美元的现金，银行无需向客户"了解并登记资金的来源或者用 途"，而只需"开展客户尽职调查，并登记客户身份基本信息，留存客户有效身份证件或者其他身份证明 文件的复印件或者影印件"即可。 自2022年1月，央行联合原银保监会、证监会发布《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》以来，公众时有反映不满于这种"用自己的钱还需报备"的行为，银行等则苦于登记流程 繁琐，且对储户随意填写的各种理由无法核查真伪。同时这种强制客户"自证清白"的行为，给人们正常 的金融活动带来诸多不便，不利于金融对实体经济展开有效支持。 当前新的《管理办法》对此作出了矫正，是及时的，也势必将释放出更多民间活力，并降低经济社会的 运行成本。这种敬民便民意识的回归，是真正用实际行动坚定对私产私权的尊重和敬畏，这是整个经济 社会增强信心、信任的最基础的塔基工作，具有 ...

Core Viewpoint - The new regulations on customer due diligence and identity verification by financial institutions aim to reduce compliance burdens and costs for individuals, enhancing the efficiency of financial activities and supporting the real economy [2][3]. Summary by Sections Policy Changes - The newly released management measures will take effect on January 1, 2026, allowing banks to forgo detailed inquiries into the source or purpose of cash deposits or withdrawals exceeding 50,000 RMB or 10,000 USD, focusing instead on basic identity verification [2]. Public Response and Economic Impact - The previous regulations faced public dissatisfaction due to the cumbersome reporting requirements, which hindered normal financial activities and did not effectively support the economy [2][3]. - The new measures are expected to release more private sector vitality and lower operational costs in the economy, reflecting a return to respecting private property rights [3]. Compliance and Responsibility - Citizens have a responsibility to cooperate with anti-money laundering laws, but this should not compromise their property rights or impose excessive costs on them [4]. - The article emphasizes the need for a cost-sharing mechanism in compliance efforts, where those best positioned to identify and manage money laundering risks should bear the associated responsibilities [4]. Technological Solutions - Existing technologies, such as digital tools and AI, can streamline compliance processes without burdening citizens, suggesting that government should leverage these technologies to reduce administrative costs [5]. Governance Principles - A governance framework should prioritize citizen convenience and satisfaction, ensuring that policies minimize economic and social activity costs [5][6]. - The article advocates for open legislation and accountability in decision-making to enhance the quality of governance and responsiveness to societal needs [5][6].