2025年11月28日，中國人民銀行正式在官方網站發布《金融機構客戶盡職調查和客戶身份資料及交易記錄保存管理辦法》（以下簡稱「辦法」），引起社會各界的高度關注。這部新規明確規範金融機構在客戶身份識別、交易記錄保存以及盡職調查等方面的義務，尤其對跨境資金流動提出更為嚴格的要求。

其中一條備受矚目的規定指出，單筆人民幣5000元或等值1000美元以上的境外匯款，金融機構必須核實匯款人的身份。這意味著，不論是個人還是企業，只要涉及較大額的跨境資金流動，都將面臨更加嚴格的身份審核和交易監管。更值得注意的是，這一新規將於2026年1月1日起正式施行，給金融機構和普通民眾都留下不到兩個月的適應時間。

分析人士指出，這項措施並非單純限制民眾資金流動，而是中國外匯管理和金融監管趨嚴的延伸。隨著國際資本流動加速和跨境交易日益頻繁，中國金融機構承擔著防範洗錢、反恐怖融資以及跨境資本外流的責任。因此，規定單筆匯款額門檻並要求身份核實，是加強金融透明度、降低金融風險的重要手段。

此外，這也反映出中國對外匯管制逐步收緊的趨勢。近年來，隨著人民幣國際化進程加快以及全球資本市場的不確定性增加，中國政府更加重視跨境資金流動的監控。一方面是為了保護國內金融穩定，防止大量資金無序外流；另一方面，也是為了確保金融機構能夠及時掌握交易信息，便於應對潛在的金融犯罪風險。

對普通民眾而言，新規實施後，涉及跨境匯款的個人和企業將需要提前準備好身份證明材料，並配合銀行的盡職調查要求。專家建議民眾在境外匯款時，務必確保信息真實完整，以免因資料不符而被延遲或拒絕匯款。

總體而言，此次新規的出台，標誌著中國金融監管向更加精細化、嚴格化方向邁進，也反映出在全球資金流動加速的大背景下，中國對外匯管控和金融安全的重視程度不斷提高。這一措施既是防範金融風險的必要手段，也在一定程度上表明，跨境資金的自由流動將受到更嚴格的監管。

On November 28, 2025, the People’s Bank of China officially released the “Measures for Customer Due Diligence by Financial Institutions and the Preservation of Customer Identity Information and Transaction Records” (hereafter referred to as the “Measures”) on its official website, drawing widespread attention from the public. The new regulation clearly sets out obligations for financial institutions regarding customer identification, transaction record-keeping, and due diligence, and imposes stricter requirements on cross-border capital flows.

One provision that attracted particular attention stipulates that for a single cross-border remittance of 5,000 RMB or an equivalent of 1,000 USD, financial institutions must verify the identity of the remitter. This means that whether for individuals or enterprises, any substantial cross-border transfer will be subject to stricter identity verification and transaction supervision. Notably, this regulation will take effect on January 1, 2026, giving both financial institutions and the general public less than two months to adapt.

Analysts have noted that this measure is not merely intended to restrict capital movement but represents an extension of China’s tightening foreign exchange and financial regulatory policies. As international capital flows accelerate and cross-border transactions become increasingly frequent, Chinese financial institutions bear responsibility for preventing money laundering, countering terrorism financing, and curbing uncontrolled capital outflows. Setting a remittance threshold and requiring identity verification is therefore an important step to enhance financial transparency and reduce financial risk.

Moreover, this reflects a broader trend of tightening foreign exchange control in China. In recent years, as the internationalization of the RMB has advanced and global capital markets have become more uncertain, the Chinese government has placed greater emphasis on monitoring cross-border capital flows. On one hand, this aims to protect domestic financial stability and prevent massive uncontrolled outflows of funds; on the other hand, it ensures that financial institutions can timely access transaction information to address potential financial crimes.

For the general public, once the regulation takes effect, individuals and enterprises involved in cross-border remittances will need to prepare identity verification documents in advance and cooperate with banks’ due diligence procedures. Experts advise that when making overseas transfers, remitters must ensure that all information is accurate and complete to avoid delays or rejection of funds.

Overall, the introduction of this new regulation marks a move toward more precise and stringent financial supervision in China. It underscores the increasing importance the country places on foreign exchange control and financial security amid accelerated global capital flows. While it serves as a necessary measure to prevent financial risks, it also signals that cross-border capital movement will face stricter regulatory oversight.