存款取款单笔超5万元，或不用说明“来源”和“用途”
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.58cammp.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section><p style="line-height: 2em; text-align: center;"><strong><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; color: #007aaa; font-weight: bold;">存取款单笔超</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; color: #007aaa; font-weight: bold;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; color: #007aaa; font-weight: bold;">万元，</span></span><br /></strong></p><p style="line-height: 2em; text-align: center;"><strong><span style="font-size: 16px; color: #007aaa; font-weight: bold;">或不用说明“来源”和“用途”了？</span></strong></p><p> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">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</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">8</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">4</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">日起向社会公开征集意见，截止日期为</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">9</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">3</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">日。</span></span></p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="line-height: 2em;"><img class="rich_pages wxw-img js_img_placeholder wx_img_placeholder" style="-webkit-tap-highlight-color: transparent; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; vertical-align: middle; overflow-wrap: break-word !important; width: 661px !important; height: 315.811px !important;" src="https://pic.app.58cammp.com/FnRu1Y0AFrV8D_1yleS2IrTXU5_K" alt="图片" width="100%" /></p><p> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">据悉，制定《管理办法》是落实《反洗钱法》和迎接国际评估的必然之举。</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2024</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">年</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">11</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月修订通过的《中华人民共和国反洗钱法》已于今年</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">1</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">1</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">日起正式施行。《反洗钱法》专门明确了基于风险开展客户尽职调查的原则，要求金融机构开展客户尽职调查应当根据客户特征和交易活动的性质、风险状况进行。</span></span></p><p> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">记者留意到，《管理办法》中取消了</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2022</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">年版监管规则中关于个人办理单笔</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">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></p><p style="line-height: 2em;"> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">《管理办法》提到，政策性银行、商业银行、农村合作银行、农村信用合作社、村镇银行等金融机构和从事汇兑业务的机构，为客户提供现金汇款、现钞兑换、票据兑付、实物贵金属买卖、销售各类金融产品等一次性金融服务且交易金额人民币</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;"> 5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">万元以上或者外币等值</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">1</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">万美元以上的业务时，应当开展客户尽职调查，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。</span></span></p><section><section style="line-height: 2em;"><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p></section><section><section style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 2em; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><img class="rich_pages wxw-img js_img_placeholder wx_img_placeholder" style="-webkit-tap-highlight-color: transparent; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; vertical-align: middle; overflow-wrap: break-word !important; width: 661px !important; height: 379.708px !important;" src="https://pic.app.58cammp.com/FhXR7kckaP8rW4y6VXg_7QrhsPRy" alt="图片" width="100%" /></section></section><section><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 15px; color: #888888;">《征求意见稿》第九条</span></span></p></section></section><p> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">据了解，</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2022</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">年，针对自然人客户单笔存取</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">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><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2022</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">年</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">1</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月曾发布的《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》（中国人民银行银保监会证监会令〔</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2022</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">〕第</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">1</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">号）中明确规定：商业银行等金融机构为自然人客户办理人民币单笔</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">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> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">央行相关部门负责人当时回应称，统计数据显示超过</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">万元的现金存取业务仅占全部现金存取业务的</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2%</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">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</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2022</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">年</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">3</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">1</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">日实施，但在当年</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">2</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">月</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">21</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">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> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">取消</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">万元现金资金来源或用途的登记，并不意味着反洗钱监管的放松。有业内分析指出，不要求对</span></span><span lang="EN-US"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">5</span></span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">万元以上现金存取业务一律了解资金来源和用途，而是规定金融机构对洗钱风险较高的情形采取强化的尽职调查措施，这么做是为了在防范风险的同时，保障公众正常的金融服务，体现了监管部门进一步平衡好洗钱风险管理与优化金融服务的意图。</span></span></p><p> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">博通咨询首席分析师王蓬博指出，在全球化背景下，中国积极履行国际反洗钱义务，也反映了监管对金融安全与稳定的重视。《管理办法》通过明确各类金融机构在客户尽职调查、客户身份资料及交易记录保存等方面的具体要求，为金融机构提供了操作指南，有助于提升整个行业的风险管理水平，也有助于加强金融机构的合规性，减少洗钱、恐怖融资等非法活动的风险，进一步维护金融市场秩序和社会稳定。</span></span></p><p style="line-height: 2em;"> </p><p style="line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">来源：广州日报</span></span></p><p style="line-height: 2em;"> </p></section><p style="display: none;"> </p> <!----></div> 我没有那么多钱 钱来钱来 或不用说明 我家里有一万，放了几十年了 每天搬砖赚一万，容易的了 早点取消这些不合理的条条框框
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