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Product overview
Personal foreign exchange settlement and sale business includes personal foreign exchange settlement and personal foreign exchange purchase business.
Personal foreign exchange settlement business refers to the exchange business in which individuals sell their foreign currency cash or cash to banks, and banks pay the equivalent RMB at the spot exchange rate;
Personal purchase of foreign exchange refers to the exchange business in which individuals purchase foreign exchange from banks with their own RMB, and the banks pay the equivalent foreign exchange at the spot exchange rate.
Three reasons for choosing CCB's personal settlement and sale of foreign exchange
1, high credibility: CCB is a well-known bank at home and abroad and can provide comprehensive services.
2. Professional services: All the handling personnel are qualified for foreign exchange business, and the service quality is guaranteed.
3. Unified price: Strictly implement the price standard of the People's Bank of China.
Service object
Personal foreign exchange settlement and sale business is applicable to domestic individuals and overseas individuals, in which: domestic individuals refer to China citizens who hold China * * * and national identity cards (including temporary id card), military identity cards and armed police identity cards. Overseas individuals refer to foreign citizens (including stateless persons) who hold the mainland travel permit for taiwan residents and Hong Kong, Macao and Taiwan compatriots who hold the Permit for Hong Kong and Macao Residents to Travel to and from the Mainland.
Service channel
China Construction Bank has outlets that have the right to handle personal settlement and sale of foreign exchange.
money
China Construction Bank can handle personal settlement and sale of foreign exchange in US dollars, Japanese yen, Hong Kong dollars, euros, British pounds and other currencies. Please contact all outlets for details.
Processing instructions
The State Administration of Foreign Exchange manages the annual total amount of individual foreign exchange settlement and domestic individual foreign exchange purchase, which is currently equivalent to 50,000 US dollars per person per year.
The settlement and purchase of foreign exchange under personal current account, if the annual total amount is less than, shall be handled by my valid identity certificate; If it exceeds the annual total amount, it shall be handled with my valid identity certificate and relevant certification materials of the transaction amount.
The foreign exchange settlement and sale business under personal current account shall be handled in accordance with the following provisions:
(1) Individual foreign trade operators shall purchase, pay and settle foreign exchange through their own foreign exchange settlement accounts; Its foreign exchange receipts and payments, import and export verification and balance of payments declaration are managed by the agency.
(2) If an individual industrial and commercial household entrusts an enterprise with the right to operate foreign trade to handle import, I will purchase foreign exchange by virtue of the import agency contract or agreement signed with the agency, and the purchased foreign exchange will be directly transferred to the current account of the agency through my foreign exchange settlement account. Individual industrial and commercial households can collect and settle foreign exchange through their own foreign exchange settlement accounts if they entrust enterprises with the right to operate foreign trade to handle exports. Settlement of foreign exchange shall be handled by the export agency contract or agreement signed with the agency and the export goods declaration form of the agency.
(3) The settlement of foreign exchange under the mode of overseas individual travel shopping trade shall be handled with my valid identity certificate and personal travel shopping declaration form.
If the non-operating foreign exchange settlement under the personal current account exceeds the annual total, it shall be handled with my valid identity certificate and the following supporting materials:
Non-operating settlement of domestic personal current account:
(1) Donation: notarized donation agreement or contract. Donations must comply with state regulations;
(2) Family support: proof of immediate family members or notarized proof of support relationship, and relevant income certificates of overseas payers, such as bank deposit certificate and personal income tax payment certificate;
(3) Income from inheritance: inherited legal documents or notarial certificates;
(4) Insurance foreign exchange income: insurance contracts and payment vouchers of insurance institutions. Foreign exchange insurance must comply with state regulations;
(5) Income from exclusive rights use and franchise: payment voucher, agreement or contract;
(6) Income from legal, accounting consulting and public relations services: proof of payment, agreement or contract;
(7) Employee compensation: employment contract and income certificate;
(8) Income from overseas investment: foreign exchange registration certificate for overseas investment, profit distribution resolution or dividend payment or other income certificates;
(9) Others: relevant certificates and payment vouchers.
Non-operating settlement of foreign personal current account:
(1) Rent expenditure: housing lease contract, invoice or payment notice registered by the housing management department;
(2) Living expenses: contracts or invoices;
(3) Medical and study expenses: proof of domestic hospital (school) fees;
(4) Others: relevant certificates and payment vouchers.
If the amount of single settlement is more than USD 50,000, the RMB funds obtained from settlement shall be directly transferred to the domestic RMB account of the counterparty.
If the non-operating foreign exchange purchase under the current account of domestic individuals exceeds the total annual amount, they shall go to the bank with their valid identity certificate and the following related documents of transaction amount. If the original cannot be provided, it can be handled by fax or online download, but the customer must sign to confirm the authenticity and validity of the relevant materials.
(1) Tuition or living expenses for studying abroad at one's own expense: I have a private passport and a valid visa (or endorsement); Notice of admission to overseas schools (no need to provide tuition or living expenses after the second academic year or semester); Proof of tuition or living expenses of overseas schools in the corresponding year or semester.
(2) Purchase of foreign exchange by studying abroad at one's own expense: I have a private passport; Notice of admission to overseas schools (no need to provide tuition or living expenses after the second academic year or semester); Proof of tuition or/and living expenses of overseas schools.
(3) Overseas medical treatment: I have a private passport and a valid visa (or endorsement); Certificate issued by domestic hospital (with doctor's opinion) and expense certificate issued by overseas hospital.
(4) Training abroad: I have a private passport and a valid visa (or endorsement); Proof of overseas training expenses.
(5) Payment of membership dues of overseas international organizations: notice of payment from overseas international organizations.
(6) Assistance to overseas immediate family members: the certificate of immediate family members issued by the competent department or notary office, and the supporting materials related to assistance (in case of illness, death, unexpected disasters, etc.).
(7) Overseas mail order: charging vouchers such as advertisements or orders.
(8) Overseas consultation: contract (agreement); Invoice (payment notice).
(9) Foreign exchange insurance: insurance contract; Payment notice of insurance institution.
(10) Other: Other supporting materials of the transaction amount.
Management of non-operating foreign exchange purchase under current account of overseas individuals;
(1) An overseas individual should purchase foreign exchange with his/her valid identity certificate and relevant proof materials (including tax vouchers) of the transaction amount if he/she earns legitimate RMB income in the current account in China.
(2) Overseas individuals who have not used up their original RMB foreign exchange should present their valid identity documents and the original exchange memo to any branch of our bank that offers private settlement and sale of foreign exchange, and the exchange memo is valid for 24 months from the exchange date; Before leaving the country, the exchange of the accumulated value of less than $500 (inclusive) at the domestic customs place on that day and the accumulated value of 1000 (inclusive) on that day can be handled with my valid identity certificate.
(3) Overseas individuals can withdraw unused RMB from our self-service equipment with a foreign currency card, and they can exchange it with their valid passport, the original foreign currency card and the withdrawal slip of the foreign currency card at any branch of our bank that provides private settlement and sale of foreign exchange. The teller copies the withdrawal slip and saves it.