中经记者 张漫游 北京报道 11月28日，中国人民银行、国家金融监督管理总局、中国证监会联合发布《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》（以下简称《管理办法》，亦称为"新规"），破题"一刀切"。 此前，"律师取款4万元被银行反复盘问用途""储户取2万元要求说明资金去向"等案例接连引发热议。与 旧版《管理办法》相比，"自然人客户办理人民币单笔5万元以上或者外币等值1万美元以上现金存取业 务的，应当识别并核实客户身份，了解并登记资金的来源或者用途"的规定取消，并明确"金融机构应当 根据风险状况差异化确定客户尽职调查措施的程度和具体方式，不得采取与风险状况明显不符的尽职调 查措施"，自2026年1月1日起正式施行。 在技术层面，银行应构建精细化风险画像系统，整合客户多维数据，通过机器学习识别真实异常行为， 如对社保代发养老金账户、长期稳定工资入账的工薪阶层等低风险客户，应自动豁免常规用途问询。 近年来，金融领域反洗钱形势愈发严峻。此前，中国人民银行发布的《中国面临的洗钱和恐怖融资风险 评估报告（摘要）2025年》指出，银行业资产规模大、业务种类复杂、客户群体广泛，面临的洗钱威胁 较高。自上一轮 ...

Core Viewpoint - The recent incident of a man being questioned by a bank while attempting to withdraw 40,000 yuan highlights the excessive measures taken by financial institutions in anti-fraud efforts, which, while well-intentioned, have led to unnecessary inconveniences for law-abiding citizens [1][2] Group 1: Anti-Fraud Measures - The necessity of anti-fraud measures is acknowledged, as telecom and online fraud is becoming increasingly sophisticated, with banks playing a crucial role in intercepting fraudulent transactions to protect customers' funds [1] - However, the current approach of "over-correcting" has resulted in rigid execution that deviates from the essence of financial services and creates multiple risks [1][2] Group 2: Regulatory and Operational Challenges - Recent regulatory changes have removed the strict requirement for banks to inquire about the source of cash transactions over 50,000 yuan, yet some banks have lowered the threshold to 10,000 yuan, effectively shifting regulatory responsibility onto the public [2] - This practice reveals a lack of risk identification capabilities and outdated technological methods within banks, leading to misjudgments that infringe on customers' rights to withdraw funds [2] Group 3: Recommendations for Improvement - To resolve the conflict between anti-fraud efforts and customer convenience, banks should transition from excessive scrutiny to precise empowerment, balancing security and convenience [3] - There is a need for enhanced focus from bank executives on anti-fraud initiatives, increased resource allocation, and collaboration across departments to create a unified approach [3] - Banks should shift the focus of anti-fraud responsibilities from frontline staff to specialized risk management teams, providing clear operational guidelines to alleviate pressure on frontline employees [3] - The integration of advanced technologies, such as big data analytics, is essential for real-time risk assessment and the automatic identification of suspicious activities, achieving a balance between effective fraud prevention and seamless customer service [3]