The Detailed Rules for the Implementation of the Measures for the Administration of Personal Foreign Exchange mainly adjusts and improves personal foreign exchange receipts and payments in four aspects:
(1) On the basis of the annual total management of individual foreign exchange purchase, the annual total management of individual foreign exchange purchase is implemented. Within the total annual amount, open an account directly in the bank with my valid identity certificate; If it exceeds the annual total, banks under the current account will also review the relevant supporting materials, and banks under the capital account need to obtain the necessary approval.
(2) Managing foreign exchange receipts and payments under personal current account, distinguishing between operating foreign exchange and non-operating foreign exchange, comprehensively facilitating operating foreign exchange receipts and payments under personal trade, and conducting relevant audits on non-operating foreign exchange receipts and payments under other current accounts other than trade.
(3) Cash and cash accounts are no longer distinguished, and personal non-operating foreign exchange receipts and payments are managed through foreign exchange savings accounts.
(four) the opening of personal foreign exchange settlement and sale management information system, to provide technical support for the implementation of the annual total management. Banks are required to handle personal settlement and sale of foreign exchange through this information system.
1, foreign currency cash deposit problem. According to the "Detailed Rules for the Implementation of the Measures for the Administration of Personal Foreign Exchange", it is required to provide the withdrawal voucher of the original bank and endorse it when depositing foreign currency cash with the equivalent value of more than 5,000 US dollars every day. However, in practice, if the original passbook is used to withdraw money without the customer's receipt, it is impossible to endorse it, so even if the cash that the customer wants to deposit is actually taken out of the bank, it is difficult to handle it. After checking the foreign currency withdrawal amount correctly, most people generally do not keep the foreign currency withdrawal documents of the original bank, which will also cause some trouble in the future.
2. Personal cash withdrawal in foreign currency. According to the Detailed Rules for the Implementation of the Measures for the Administration of Personal Foreign Exchange, the daily cumulative withdrawal of foreign currency cash with the equivalent value of 1 0,000 USD or more shall be filed with the foreign exchange bureau in advance. However, in practice, if customers have multiple bank cards, passbooks and certificates of deposit, it is difficult to withdraw foreign currency cash at different business outlets or even different financial institutions. If the same customer handles transactions in different business outlets of the same bank or between different tellers of the same business outlet on the same day, how to coordinate between tellers; How to avoid excess for the same teller in different time periods on the same day; At present, the "Rules" do not include the automatic control of foreign currency cash deposit and withdrawal into the system, nor do they make specific provisions on manual control, which leads to policy risks in operation.
3. At present, there is no linkage between the personal foreign exchange settlement and sale system and the banking business system, and the manual entry efficiency is low. Tellers do not strictly follow the process or make mistakes, which may lead to missing orders or making mistakes, resulting in the actual settlement and sale of foreign exchange exceeding the limit.