2. Interest: settled in the deposit currency, but if the interest amount is small or the depositor voluntarily settles in RMB, it can be paid at the benchmark foreign currency price of the day.
Supplement: Measures for the Administration of Individual Foreign Exchange Deposits (Provisional)
Chapter I General Provisions
Article 1 In order to regulate the administration of individual foreign exchange deposits, these Measures are formulated in accordance with the Regulations of People's Republic of China (PRC) Municipality on Foreign Exchange Administration, the Measures for the Administration of Individual Foreign Exchange and the Detailed Rules for the Implementation of the Measures for the Administration of Individual Foreign Exchange.
Article 2 Personal foreign exchange accounts are divided into domestic personal foreign exchange accounts and overseas personal foreign exchange accounts according to the main categories.
1. Domestic individuals refer to China citizens who hold resident identity cards of the People's Republic of China, temporary id card documents, household registration books, military identity documents and armed police identity documents.
2. Overseas individuals refer to foreign citizens (including stateless persons) who hold the mainland travel permit for taiwan residents and compatriots from Hong Kong, Macao and Taiwan who hold the Pass for Hong Kong and Macao Residents to and from the Mainland.
Three. The management of personal foreign exchange deposits follows the relevant provisions of real-name system management.
Article 3 Individual foreign exchange deposit accounts are divided into foreign exchange savings accounts, foreign exchange settlement accounts and foreign exchange fund accounts according to the nature of transactions, among which foreign exchange savings accounts and foreign exchange settlement accounts belong to current accounts.
Article 4 Deposit banks shall be responsible for keeping confidential the foreign exchange deposits of domestic individuals and overseas individuals, unless otherwise required by laws, regulations and regulatory provisions.
Article 5 Banks shall record, analyze and report large and suspicious foreign exchange transactions in accordance with the relevant provisions on anti-money laundering.
Article 6 These Measures shall apply to domestic business outlets.
Chapter II Personal Foreign Exchange Savings Account
Article 7 An individual may open a foreign exchange savings account in a bank with a valid identity document, and the name of the account opened shall be the same as that recorded in his valid identity document. foreign currency savings account
The income and expenditure range of households is non-operating foreign exchange income and expenditure, and the transfer of funds between foreign exchange savings accounts of the same subject category between themselves or their immediate family members.
Article 8 Individual foreign exchange savings accounts are divided into cash accounts and cash accounts.
1. Foreign exchange remitted, carried and freely convertible by domestic residents from abroad,
You can deposit it into a cash account or you can deposit it into a cash account, which needs to be converted into currency according to remittance.
The relevant provisions charge a handling fee. Foreign currency bills that cannot be paid immediately need to go through the bank.
Bank collection, entrusted deposit.
2. All freely convertible foreign currency cash brought from abroad or held by individuals.
Deposit in foreign currency cash account or cash account, and the deposit in cash account needs to be converted into foreign currency according to the banknotes.
The relevant provisions charge a handling fee.
Article 9 Term of deposit
Personal foreign exchange deposits are divided into demand deposits, time deposits and other deposits approved by the regulatory authorities. Time deposits are divided into call deposits, one month, three months, six months, one year, two years and so on.
Article 10 Deposit currency
The currencies of deposits are US dollars, British pounds, Hong Kong dollars, Macao dollars, Japanese yen, euros, Canadian dollars, Australian dollars, Singapore dollars, euros, Swiss francs and so on.
Article 11 Minimum deposit amount
Foreign currency savings deposits, current accounts and fixed accounts with an initial deposit of RMB 100.
Article 12 Opening an account
1. When opening an account, depositors will open a passbook and deposit it with their valid identity documents.
Single card or debit card. The bank should reach a clear written agreement with the customer on the payment of the deposit.
Withdrawal method: password withdrawal, reserved seal withdrawal or its withdrawal.
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Two, according to the wishes of depositors, banks can handle the automatic maturity of time deposits for them.
Transfer business.
Three, entrust others to open an account, you must also provide a valid identity certificate of the agent.
And keep a copy.
Article 13 deposit interest
1. The deposit interest shall be calculated and paid in foreign currency according to the personal foreign currency deposit interest rate published by Bank of China Limited.
2. In case of adjustment of deposit interest rate, interest will be calculated on demand deposit or settlement date, and interest will be calculated on time deposit.
3. The interest of demand deposit shall be settled on February 20th every year.
4. If the time deposit is transferred at maturity, the interest shall be calculated according to the time deposit rate on the transfer date; If it has not been withdrawn at maturity and has not gone through the renewal procedures, the overdue part will bear interest according to the deposit interest rate on the date of withdrawal.
5. If the time deposit is withdrawn in advance, the interest shall be calculated according to the deposit interest rate on the withdrawal date.
Article 14 Deposit withdrawal
I. Deposit withdrawal shall be handled by debit card, passbook, certificate of deposit and the withdrawal method agreed upon when opening an account.
Two, regardless of the cash account or cash account, when withdrawing foreign currency cash, its currency is lower than the unit currency, according to the foreign exchange rate on the date of withdrawal, converted into RMB withdrawal.
3. If the depositor withdraws the unexpired time deposit in advance due to special needs, it can handle it according to the withdrawal method agreed at the time of opening the account with the valid deposit certificate and the depositor's valid identity certificate. If you entrust others to take it on your behalf, you must also provide the valid identity certificate of the agent, and the bank must record the valid identity certificate numbers of the agent and the depositor.
Four, cash withdrawal from the cash deposit account, according to the relevant provisions of the transfer fee.
Fifteenth personal foreign exchange deposit business should follow the relevant regulatory policies.
1. Cash withdrawal from a foreign exchange savings account with a cumulative equivalent of less than $65,438+$0,000 (inclusive) on that day can be handled directly at the bank; If it exceeds the above amount, it shall report to the foreign exchange bureau where the bank is located in advance with my valid identity certificate, proof of withdrawal purpose and other materials. The bank shall handle the foreign currency cash withdrawal procedures for individuals with my valid identity certificate and the foreign currency cash withdrawal record form signed by the foreign exchange bureau.
2. Individuals can deposit foreign currency cash into a foreign exchange savings account with a cumulative equivalent of less than $5,000 on the same day, which can be handled directly at the bank; If the amount exceeds the above amount, I will go to the bank with my valid identity certificate, the Declaration Form for Luggage and Articles of Entry Passengers of People's Republic of China (PRC) and China Customs signed by the customs, or the foreign currency cash withdrawal document of my original bank. The bank shall indicate the name of the deposit bank, the deposit amount and the deposit date on the relevant documents.
Third,
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2. The transfer of funds between individuals and their immediate family accounts shall be based on the valid identity documents of both parties and the proof of immediate family members. Immediate family members refer to parents, children and spouses.
3. The transfer of funds between domestic and overseas personal accounts is managed according to cross-border transactions. That is, domestic individuals transfer money to overseas personal foreign exchange accounts in accordance with the requirements of exit regulations; Transfers from overseas individuals to domestic personal foreign exchange accounts shall meet the requirements of access regulations.
4. The mutual transfer between domestic personal foreign exchange cash accounts and foreign exchange cash accounts is not limited by the quota, and shall be handled in accordance with the relevant charging regulations of Bank of China Limited.
4. The following capital account businesses of domestic and overseas individuals can be handled through personal foreign exchange savings accounts:
1
Domestic individuals use foreign exchange through qualified domestic machines such as banks and fund management companies.
2. The foreign exchange business involved in the employee stock ownership plan and stock option plan of overseas listed companies after domestic individuals apply to the foreign exchange bureau for approval through their affiliated companies or domestic institutions. Domestic individuals sell stocks under employee stock ownership plans and stock option plans. And remit the foreign exchange from dividends back to the special domestic foreign exchange account opened by its affiliated companies or domestic institutions.
After account cancellation, it can be transferred to the employee's own foreign exchange savings account or settlement of foreign exchange.
3. Domestic individuals pay to domestic insurance institutions approved to engage in foreign exchange insurance business.
Foreign exchange premiums are purchased and paid by insurance contracts and payment notices from insurance institutions.
4, domestic individuals as insurance beneficiaries under foreign exchange insurance compensation or payment of insurance benefits, can be deposited in my foreign exchange savings account, can also be settled.
5. Domestic individuals who have emigrated abroad will transfer their domestic property abroad before obtaining legal immigration status, and if foreign citizens inherit domestic heritage according to law, they will be deemed as "personal property transferred abroad".
Interim Measures for the Administration of Transfer, Sale and Payment of Foreign Exchange and other relevant provisions.
6. If foreign individuals sell commercial houses in China or acquire domestic real estate enterprises through equity transfer, which involves foreign exchange business, the business shall also comply with the relevant provisions of the Ministry of Construction of the State Administration of Foreign Exchange.
Notice on issues related to foreign exchange management in the real estate market and other relevant regulations.
7. Overseas individuals can invest in domestic B shares according to relevant regulations; Investment in other financial products issued and circulated in China shall be handled by qualified foreign institutional investors.
8. Other businesses approved by the State Administration of Foreign Exchange.
5. Foreign exchange purchased by individuals can be remitted abroad, deposited in foreign exchange savings accounts or taken out of the country in accordance with relevant regulations.
Six, domestic individuals remitted abroad for current account expenditures of foreign exchange, according to the following provisions:
1. If the accumulated equivalent foreign exchange in the foreign exchange savings account on the day of overseas remittance is less than USD 50,000 (inclusive), I will go to the bank with my valid identity certificate; More than the above amount, by
To prove the authenticity of the transaction amount under the current account.
2. Hand-held foreign currency cash with the cumulative equivalent of $654.38+USD 00,000 (inclusive) on the remittance day shall be handled at the bank with my valid identity certificate; More than the above amount, with the authenticity of the current account transaction amount, the customs signature "People's Republic of China (PRC) Customs and inbound passengers.
Baggage declaration form or foreign currency cash withdrawal document of my original bank.
7. Foreign exchange remittance of overseas individuals under current account shall be handled in the bank according to the following provisions:
1
The remittance of foreign exchange in the foreign exchange savings account shall be handled with my valid identity certificate;
2. Remittance with foreign currency cash in hand, with the accumulated equivalent value within $ 654.38+00000 (inclusive) on the same day, with my valid identity certificate; If the amount exceeds the above amount, I should also provide the Declaration Form for Luggage and Articles of Inbound Passengers in People's Republic of China (PRC) and China Customs signed by the Customs or the foreign currency cash withdrawal document of my original bank.
Chapter III Personal Foreign Exchange Settlement Account
Article 16 Individual foreign exchange settlement accounts refer to accounts opened by individual foreign trade operators and individual industrial and commercial households in accordance with regulations for handling operating foreign exchange receipts and payments under current account.
Article 17 Individual foreign exchange settlement accounts shall be incorporated into the foreign exchange account management information system, and their opening, use and closing shall be managed according to institutional accounts.
Article 18 The operating foreign exchange receipts and payments 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 this Exchange.
People's foreign exchange settlement account; Its foreign exchange receipts and payments, import and export verification and balance of payments declaration shall be based on.
Second, 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 with 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 use their own foreign exchange to settle accounts if they entrust enterprises with the right to operate foreign trade to handle exports.