重大调整！事关个人存取款
<section data-support="96编辑器" data-style-id="63993" data-pm-slice="0 0 []" style="margin-top: 0px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; caret-color: rgba(0, 0, 0, 0.898); color: rgba(0, 0, 0, 0.898); letter-spacing: 0.544px; text-wrap: wrap; box-sizing: border-box; overflow-wrap: break-word; visibility: visible; max-width: 100% !important;"><section style="margin-top: -8px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; padding: 26px 13px 18px; box-sizing: border-box; overflow-wrap: break-word; border: 1px solid rgb(46, 82, 164); max-width: 100% !important; visibility: visible;"><section data-pm-slice="0 0 []" style="margin-top: 0px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><p style="text-align: justify; letter-spacing: 2px; text-indent: 2.11765em; line-height: 2em; font-size: 16px; visibility: visible;"><span style="box-sizing: border-box; overflow-wrap: break-word; line-height: 2em; visibility: visible; max-width: 100% !important;"><span leaf="" style="visibility: visible;">近日，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（征求意见稿）》（以下简称《管理办法》），面向社会公开征求意见。该征求意见稿已于8月4日起向社会公开征集意见，截止日期为9月3日。</span></span></p><p style="line-height: 1.75em; font-size: 15px; text-align: justify; visibility: visible;"><span style="font-size: 16px; box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><br style="visibility: visible;"/></span></p></section><section style="margin-top: 0px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><section style="margin: 0px 8px; box-sizing: border-box; overflow-wrap: break-word; font-size: 17px; line-height: 1.75em; letter-spacing: 0.034em; max-width: 100% !important; visibility: visible;"><section style="text-align: justify; box-sizing: border-box; overflow-wrap: break-word; margin-bottom: unset; max-width: 100% !important; visibility: visible;"><section nodeleaf="" style="visibility: visible;"></section></section></section><p style="text-align: center; line-height: 1.75em; visibility: visible;" mpa-font-style="me5hh8qe1s7t" data-mpa-action-id="me5hh8raqdg" data-pm-slice="0 0 []"><span leaf="" style="visibility: visible;"><span textstyle="" style="color: rgb(136, 136, 136); visibility: visible;">官网截图</span></span></p></section></section></section><p><br/></p><section style="margin-top: 0px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; caret-color: rgba(0, 0, 0, 0.898); color: rgba(0, 0, 0, 0.898); letter-spacing: 0.544px; text-wrap: wrap; box-sizing: border-box; overflow-wrap: break-word; visibility: visible; max-width: 100% !important;" data-mpa-action-id="me5jatrg1cpm" data-pm-slice="0 0 []"><p style="line-height: 1.75em; visibility: visible;"><span leaf="" style="font-size: 16px; box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><br style="visibility: visible;"/></span></p><section style="margin-top: 0px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;" data-mpa-action-id="me5jaoouikx" data-pm-slice="0 0 []"><p style="text-align: justify; letter-spacing: 2px; line-height: 2em; font-size: 17px; text-indent: 2.11765em; visibility: visible;"><span style="box-sizing: border-box; overflow-wrap: break-word; line-height: 2em; font-size: 16px; max-width: 100% !important; visibility: visible;"><span leaf="" style="visibility: visible;">这份新规中最引人注目的变化是：</span><strong style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><span style="line-height: 2em; color: rgb(50, 90, 160); box-sizing: border-box; overflow-wrap: break-word; visibility: visible; max-width: 100% !important;"><span leaf="" style="visibility: visible;">取消了2022年版监管规则中关于个人办理单笔5万元以上现金存取业务需“了解并登记资金来源或用途”的硬性要求。</span></span></strong></span></p><p style="text-align: justify; letter-spacing: 2px; line-height: 2em; font-size: 17px; text-indent: 2.11765em; visibility: visible;"><span style="box-sizing: border-box; overflow-wrap: break-word; font-size: 16px; max-width: 100% !important; visibility: visible;"><span leaf="" style="visibility: visible;"><br style="visibility: visible;"/></span></span></p><p style="text-align: justify; letter-spacing: 2px; line-height: 2em; font-size: 17px; text-indent: 2.11765em; visibility: visible;"><span style="box-sizing: border-box; overflow-wrap: break-word; font-size: 16px; max-width: 100% !important; visibility: visible;"><span leaf="" style="visibility: visible;">此外，在为客户提供现金汇款、实物贵金属买卖等一次性交易金额业务超过5万元的，</span><strong style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><span style="color: rgb(50, 90, 160); box-sizing: border-box; overflow-wrap: break-word; visibility: visible; max-width: 100% !important;"><span leaf="" style="visibility: visible;">金</span></span></strong><strong style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important; visibility: visible;"><span style="color: rgb(50, 90, 160); box-sizing: border-box; overflow-wrap: break-word; visibility: visible; max-width: 100% !important;"><span leaf="" style="visibility: visible;">融机构仍需开展尽职调查，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</span></span></strong><span leaf="">。</span></span></p><p style="line-height:1.75em;font-size:15px;text-align:justify;"><span style="font-size:16px;box-sizing:border-box;overflow-wrap:break-word;max-width:100% !important;"><span leaf=""><br/></span></span></p><section style="margin-top:0px;margin-right:0px;margin-bottom:unset;margin-left:0px;max-width:100% !important;box-sizing:border-box;overflow-wrap:break-word;"><section style="margin:0px 8px;max-width:100% !important;box-sizing:border-box;overflow-wrap:break-word;font-size:17px;line-height:1.75em;letter-spacing:0.034em;"><section style="text-align:justify;box-sizing:border-box;overflow-wrap:break-word;max-width:100% !important;margin-bottom:unset;"><section nodeleaf=""></section></section></section></section><section style="margin-top: 0px; margin-right: 0px; margin-bottom: unset; margin-left: 0px; box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;" mpa-font-style="me5hhi0sc3k" data-mpa-action-id="me5hhi1q7wc" data-pm-slice="0 0 []"><p style="margin-right:8px;margin-bottom:24px;margin-left:8px;text-align:justify;line-height:1.75em;"><span style="letter-spacing:0.5px;box-sizing:border-box;overflow-wrap:break-word;color:#888888;max-width:100% !important;"><span leaf="">《征求意见稿》第九条</span></span></p></section></section><section data-pm-slice="0 0 []" style="margin-top:0px;margin-right:0px;margin-bottom:unset;margin-left:0px;max-width:100% !important;box-sizing:border-box;overflow-wrap:break-word;"><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; line-height: 2em; max-width: 100% !important;"><span leaf="">据报道，2022年，针对自然人客户单笔存取5万元以上现金的反洗钱监管规则，曾引发广泛社会争议。</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p></section><section style="margin-top:0px;margin-right:0px;margin-bottom:unset;margin-left:0px;max-width:100% !important;box-sizing:border-box;overflow-wrap:break-word;"><section style="margin-top:0px;margin-right:0px;margin-bottom:unset;margin-left:0px;max-width:100% !important;box-sizing:border-box;overflow-wrap:break-word;"><section style="margin-top:0px;margin-right:0px;margin-bottom:unset;margin-left:0px;max-width:100% !important;box-sizing:border-box;overflow-wrap:break-word;"><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">2022年1月，三部门曾发布《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》（中国人民银行银保监会证监会令〔2022〕第1号）。该办法第十条曾明确规定：商业银行等金融机构为自然人客户办理人民币单笔5万元以上现金存取时，“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。”</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p></section></section><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">这一规定在当时引发了社会广泛关注，“个人存取现金超5万元需登记资金来源或用途”迅速登上热搜。公众意见呈现分歧：部分声音认为此举增加了业务办理的繁琐性，甚至担忧可能侵犯个人隐私；而支持者则认为这是打击洗钱犯罪、维护金融安全的必要手段。</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">央行相关部门负责人当时回应称，统计数据显示超过5万元的现金存取业务仅占全部现金存取业务的2%左右，因此该规定对绝大多数客户影响有限，且不会降低业务便利性。然而，该办法原定于2022年3月1日实施，但在当年2月21日，三部门发布公告，宣布“因技术原因”暂缓实施，相关业务按原规定办理。</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">据报道，金融机构在《管理办法》要求下，遵循“了解你的客户”的原则，识别并采取合理措施核实客户及其受益所有人身份，根据客户特征和交易活动的性质、风险状况，采取相应的尽职调查措施。</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">未来如何在“落实反洗钱尽职调查要求”与客户体验、客户隐私之间实现平衡，成为金融机构面临的挑战。</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">融孚反洗钱与支付监管法律研究业务研究委员会主任金鹏认为，银行需在“合规底线”与 “体验温度” 间找到动态支点——通过技术替代人工提升效率，精准分级减少无效打扰，透明沟通消除隐私焦虑，最终实现“反洗钱合规不打折，客户体验不降级，隐私保护不松懈”的三重目标。</span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf=""><br/></span></span></p><p style="text-align:justify;letter-spacing:2px;text-indent:2.4em;line-height:2em;font-size:16px;"><span style="box-sizing: border-box; overflow-wrap: break-word; max-width: 100% !important;"><span leaf="">中国银行深圳市分行大湾区金融研究院高级研究员曾圣钧指出，银行平衡反洗钱尽职调查与客户体验、隐私保护可循以下路径：一是优化流程提升客户体验，落实分层管理策略。比如对低风险客户简化流程，对高风险客户强化调查，避免 “一刀切” 影响多数用户体验。二是更多应用数字化工具替代人工环节，如开发手机银行 “信息更新” 模块，支持客户在线上传证明文件并实时反馈核验结果，减少线下排队时间。三是严格保护客户隐私，遵循最小必要原则，仅收集与业务相关的信息。</span></span></p></section></section><p><br/></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_cKz" id="wcn_editor_css"/> 贪官污吏是怎么把钱转移到国外的。。 这个事情到底要怎么搞？
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