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为完善银行卡跨境使用的反洗钱、反恐怖融资、反逃税监管，《国家外汇管理局关于规范银行卡境外大额提取现金交易的通知》（汇发〔2017〕29号，以下简称《通知》）于2018年1月1日正式实施。《通知》遵循经常项目可兑换要求，不改变一年5万美元的个人便利化购汇额度，不影响个人正常提取现金和消费，不影响个人用汇便利性。 政策要点 一、银行卡境外取现额度是多少 一是个人持境内银行卡在境外提取现金，本人名下银行卡（含附属卡）合计每个自然年度不得超过等值10万元人民币。 二是人民币卡、外币卡境外提取现金每卡每日不得超过等值1万元人民币。 二、超额提现会怎么样 个人持境内银行卡境外提取现金超过年度额度的（等值10万元人民币），本年及次年将被暂停持境内银行卡在境外提取现金。 三、借卡使用行不行 个人不得通过借用他人银行卡或出借本人银行卡等方式规避或协助境外提取现金管理。 温馨提示 一、境外旅游“买买买”受影响吗 《通知》主要是规范银行卡境外大额提取现金，并不改变银行卡外汇管理基本框架和个人用汇政策，个人境外合法合规消费不受影响。 二、境外提现明细怎么查 个人被列入暂停持境内银行卡在境外提取现金名单的，可向发卡金融机构查询本人所持的该机构银行卡提取现金明细，也可凭本人有效身份证件向外汇局分支局查询。委托他人进行查询的，应提供委托人和受托人的有效身份证件、委托人的授权书。 外汇局对银行卡境外提取现金明细信息有严格的保密规定，任何信息的使用都将在法律法规的规定范围内，并要求各发卡金融机构妥善保管暂停境内银行卡在境外提取现金个人信息。 三、保护自身权益怎么做 个人在境外提取现金应注意保障自身权益。一是合理规划用汇需求，减少携带和使用大额现金，既可避免人身和财产安全遭受侵害，又可避免银行卡境外超限提现。二是注意用卡安全和信息保护，避免银行卡被他人盗用，影响正常交易。三是依法合规使用银行卡，不借用他人银行卡规避额度管理，也不向他人出借银行卡，避免被不法人员利用从事违法犯罪活动。 2019-11-20/guangdong/2019/1120/1568.html
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在经历了三个月的休渔期后，渔民终于迎来了期待已久的开渔日。2019年8月16日，茂名滨海新区的千年古港——博贺渔港，锣鼓齐鸣、千帆竞发，独具民族特色的祭海仪式和民俗表演精彩非凡，吸引了来自各地的游客。 当天，外汇局茂名市中心支局趁着开渔节这个好时机，在活动现场开展了外汇知识宣传活动。宣传小组拉起了“加强外汇法规宣传，共建健康外汇市场”的横幅，向群众和周边的商铺店主讲解外汇小知识、个人外汇政策等，热情地为群众解答关于外汇业务方面的疑问。同时，积极倡导正确的境外合规用卡理念，提醒注意用卡安全和信息保护，避免信用卡被他人盗用；个人在境外提取现金应注意保障自身的权益，不借用他人银行卡，也不向他人出借银行卡，避免被不法人员利用从事违法犯罪活动。 此外，宣传小组还上船向渔民派发宣传资料，普及外汇市场秩序相关知识，讲解外汇违法违规行为的处罚规定，呼吁渔民们遵守国家外汇管理法规，做一名诚信守法的公民。 2019-08-27/guangdong/2019/0827/1487.html
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为贯彻落实党中央、国务院关于大力发展“互联网+政务服务”决策部署，2019年6月28日起，国家外汇管理局政务服务网上办理系统（以下简称政务服务系统）上线试运行。外汇局广东省分局以此为契机，多措并举，积极推进政务服务网上办理，全面提升外汇管理政务服务规范化便利化水平。截至2019年9月末，全辖通过政务服务系统办理外汇业务7848笔。 公众可登录国家外汇管理局“数字外管”平台（http://zwfw.safe.gov.cn/asone），访问政务服务系统；若曾在“数字外管”平台或中国政务服务平台上注册过用户，使用原用户登录即可。政务服务系统提供外汇管理行政许可项目名称、设定依据、受理条款、申报材料等信息，可在线查询行政许可办理进度和办理结果。对于进出口企业名录登记、变更、注销，银行申请即期结售汇业务市场准入等较常办理的业务提供了在线申请功能，申请主体可根据政务服务系统提示，上传申请材料，实现业务办理“零跑动”。政务服务系统还提供外汇管理行政许可项目材料是否完备的在线预审功能，申请主体可先网上提交相关材料供外汇局预审，外汇局将结果通过网络反馈；申请主体根据外汇局指引，到现场一次性提交准确资料后办理，实现业务现场办理“最多跑一次”。 2019-10-11/guangdong/2019/1011/1530.html
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2019年1月18日，国家外汇管理局广东省分局印发了《国家外汇管理局广东省分局关于开展货物贸易外汇收支便利化试点的指导意见（试行）》（粤汇发〔2019〕1号，以下简称原指导意见），在辖区粤港澳大湾区8市启动货物贸易外汇收支便利化试点。为进一步深化“放管服”改革，提升贸易自由化便利化水平，充分发挥正向激励作用，支持粤港澳大湾区涉外经济健康发展，国家外汇管理局广东省分局对原指导意见进行了完善，草拟了《国家外汇管理局广东省分局关于开展货物贸易外汇收支便利化试点的指导意见（征求意见稿）》（以下简称《征求意见稿》）。 《征求意见稿》包括总则、业务备案、便利化措施、业务管理等内容，共计23条，现向社会公开征求意见。因情况紧急，请有关单位或个人于2019年10月7日前，通过信函、传真等方式反馈意见，随函留下联系人和联系方式，以便进一步联系。如以信函方式反馈的，请在信封上注明“便利化试点征求意见”字样。 邮寄地址：广州市越秀区沿江西路137号1403室国家外汇管理局广东省分局经常项目管理处（邮编：510000） 传真号码：020-81888425 附件：国家外汇管理局广东省分局关于开展货物贸易外汇收支便利化试点的指导意见（征求意见稿） 国家外汇管理局广东省分局 2019年9月16日 2019-09-16/guangdong/2019/0916/1505.html
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近日，外汇局湛江市中心支局指导银行在廉江市开展主题为“聚焦县域发展 助力企业成长”政策宣讲活动，本次活动也是广东省外汇与跨境人民币业务展业自律机制“聚焦湾区发展 贡献金融力量”——广东庆祝外汇管理改革40周年暨人民币国际化10周年系列活动湛江站活动之一。 活动通过现场展示宣传海报、播放视频短片等形式，介绍国际收支统计间接申报、贸易信贷统计调查等政策；特邀人民银行广州分行、外汇局广东省分局宣讲货物贸易外汇收支便利化试点政策、跨境人民币结算业务和推介“国际汇税通”一站式服务平台；银行外汇业务专家从银行视野分析预判近期汇率走势，展示跨境理财产品。参会银企表示，宣讲活动提高了企业对外汇及人民币便利化政策的了解，增强了银行以客户需求为导向的创新意识，有助于县域实体经济进一步发展。 2019-10-23/guangdong/2019/1023/1541.html
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近日，外汇局茂名市中心支局举办“诚信兴商宣传月”系列活动，大力宣传外汇政策。 ——联合人民银行茂名市中心支行、茂名银保监分局、茂名市网信办等多个部门和金融机构在广东石油化工学院举办主题为“金融知识普及月 金融知识进万家”宣传活动，向广大学生普及外汇政策法规。 ——充分利用电视、报刊、公交等传媒投放公益广告，组织银行在营业网点门楣显示屏滚动播放活动主题标语、在网点大厅LED显示屏播放《网络炒汇不合法 资金安全无保障》宣传视频等，警示外汇违规操作风险。 ——建立“诚信兴商”企业教育基地，对企业开展合法合规经营宣传教育活动。 ——举办外汇知识进社区、进大学校园、进乡村集市等专题教育活动，广泛宣传个人外汇管理政策，提醒市民不参与非法外汇活动。 2019-11-04/guangdong/2019/1104/1551.html
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为进一步提高群众安全用汇及外汇风险防范意识，2019年8月19日，外汇局肇庆市中心支局联合市金融局、金融行业协会，组织金融机构在四会市大沙镇举办“外汇知识进乡村”主题宣传活动。 宣传活动借助大沙镇农贸市场集市日人流量大的优势，通过悬挂宣传横幅、发放宣传折页、现场咨询解答等方式，吸引众多群众前来咨询。宣传人员针对学生暑假出境游和出国留学等用汇需求，介绍相关政策和知识，并对分拆购付汇、出借额度为他人办理外汇业务等违法行为进行风险提示，进一步增强广大群众遵法守法意识。 这次活动累计发放宣传资料300多份，接受群众咨询解答问题100余人，受到群众的热烈欢迎和一致好评。 2019-08-30/guangdong/2019/0830/1492.html
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为促进银行个人外汇业务合规、健康发展，增强粤港澳大湾区金融服务能力，2019年10月15日下午，外汇局广东省分局对中国建设银行广东省分行开展个人外汇业务专场培训。该行辖属广州地区及各地市62个分支行网点的个人外汇专管员、营运主管及客户经理近100人参加了现场培训。 外汇局广东省分局介绍了经常项目可兑换的政策涵义与个人外汇管理改革实践，结合案例解读了个人外汇政策、业务操作要点和注意事项，分析常见问题，并与银行业务人员开展交流互动，气氛热烈。 2019-10-24/guangdong/2019/1024/1542.html
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为进一步普及外汇知识，提高社会公众依法用汇、合法经营的意识，近日，外汇局清远市中心支局籍2019年清远慧灵公益慈善慢跑活动举办之际开展外汇政策宣传活动。 在活动现场，外汇局清远市中心支局通过悬挂宣传横幅、派发宣传业务手册、展示宣传海报、面对面宣讲政策和答疑等多种方法方式，积极引导社会公众了解国际收支统计申报、境内个人购付汇等外汇政策，营造诚信守法用汇的良好氛围。 2019-08-29/guangdong/2019/0829/1489.html
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General Secretary Xi Jinping has stressed that deepening financial reform and opening-up is essential both for the improvement of financial services and for the prevention of financial risks. As required in the government work report delivered by Premier Li Keqiang at the third session of the 13th National People’s Congress, the greater the difficulties and challenges we face, the more important it is for us to go further in reform, remove institutional barriers, and boost internal driving forces for development. In line with the overall arrangements of the Financial Stability and Development Committee (FSDC) under the State Council and the principle of “launching a reform measure when conditions are ripe”, FSDC members, including the National Development and Reform Commission, the Ministry of Finance, the People’s Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange, have conducted in-depth research and will roll out the following 11 financial reform measures in the near future. 1. The Measures for the Regulatory Assessment of Commercial Banks’ Financial Services for Micro and Small Enterprises will be introduced to improve the incentive and restraint mechanism for the provision of financial services for micro and small enterprises (MSEs). Assessments will be made in terms of credit allocation, specialized internal institution building, implementation of regulatory policies, and innovation of products and services, with differentiated assessment indicators put in place. Relevant requirements for commercial banks will be implemented so that those who have fulfilled their duties will not be held liable for losses. MSE loans will be priced on a differentiated basis. More importance will be attached to the application of assessment results. 2. The Work Plan for Deepening the Reform and Replenishing the Capital of Small and Medium-sized Banks will be released to further push ahead with the reform of small and medium-sized banks and to speed up their capital replenishment. Based on market- and law-based principles, funds will be raised through multiple channels, while capital replenishment will be combined with the optimization of corporate governance. In addition, the Opinions on Deepening the Reform of Rural Credit Cooperatives will be formulated, which is aimed at keeping their county-level legal person status generally stable, enhancing positive incentives, and coordinating reform with risk prevention. 3. The Guidelines on Performance Appraisal of Government-backed Financing Guarantee and Re-guarantee Institutions will be released. It is aimed at prompting government-backed financing guarantee institutions at all levels to prioritize support for MSEs and the agricultural sector and to lower the guarantee fees, so that they will fully play their role in risk sharing and help enterprises resume production and pull through the difficulties. 4. Four regulations, such as the Administrative Measures for Registration-based Initial Public Offerings on ChiNext (For Trial Implementation), and eight major rules, such as the Rules for the Listing of Stocks on ChiNext, will be introduced. They are aimed at advancing the reform of the ChiNext board, launching the pilot registration-based system, and establishing or improving the supporting rules, such as those for the arrangements of the registration-based system, ongoing supervision over ChiNext-listed enterprises, and the sponsorship of offerings on ChiNext. 5. The Guidelines on Companies Listed on the National Equities Exchange and Quotations Switching Boards for Listing will be released to accelerate the reform of the so-called “new third board”. Active but prudent steps will be taken to launch public offerings, while qualified enterprises will enter the selected tier, and investments by publicly offered funds will be allowed. A mechanism will be established for companies listed on the new third board to switch to other boards for listing, with basic requirements laid down for the scope, conditions, and procedures, so that the role of the new third board as a transitional link will be brought into full play to strengthen the connection between multiple tiers of the capital market. 6. The Administrative Measures for Standardized Commercial Papers will be introduced to regulate the mechanism of financing via standardized commercial papers. Measures will be taken to support bond market circulation of products backed by commercial paper packages and to promote investments in standardized commercial papers by asset management products, so that the bond market will play its part in investment pricing, regulatory arbitrage will be reduced, and better services will be provided for small and medium-sized enterprises as well as supply chain financing. 7. The Rules for the Recognition of Standard Debt Assets will be released to implement the requirements of the new regulations on asset management. The scope and criteria for the recognition of standard debt assets will be defined; a mechanism will be established to recognize the conversion of non-standard debt assets into standard debt assets; and transitional arrangements will be made for existing debt assets that fall into neither standard nor non-standard categories so as to steadily advance the transformation of asset management businesses and enhance the ability of the financial sector to serve the real economy. 8. The Guidelines on the Participation of Foreign Governmental Agencies and International Development Institutions in Bond Businesses will be released, which will further improve the requirements for information disclosures of panda bonds, set detailed rules for the issuance of panda bonds, and encourage issuers with authentic needs for RMB funds to issue bonds in an effort to steadily promote the development of the panda bond market. 9. Efforts will be made to further open up the credit rating sector to both domestic and foreign agencies, allowing qualified international rating agencies as well as private rating agencies to conduct bond credit ratings in China and also encouraging domestic rating agencies to expand their international business. 10. The certified public accountant (CPA) industry will be guided to pursue well-regulated and orderly development. Accounting firms will be urged to improve their quality control systems, and implementation plans will be made to adjust the management of their practices and to improve audit quality effectively so that the overall management of accounting firms will be improved. Moreover, administrative measures will be introduced for the record filing of accounting firms participating in the securities service industry, with the procedures of qualification review and approval abolished for such participation. 11. The Opinions on Strengthening Administrative Penalties for Illegal Financial Conduct will be introduced. Based on the current legal framework and in line with the principle that penalties should be commensurate with the gravity of the offense, the Opinions specifies the criteria for imposing penalties per incident on financial institutions for illegal conduct and the criteria for determining illegal gains. Financial institutions and intermediaries as well as individuals responsible for the illegal conduct will be strictly held accountable according to the law, while efforts will be intensified to crack down on illegal financial conduct so as to effectively deter law breakers and protect the legitimate rights and interests of financial consumers. Office of the State Council Financial Stability and Development Committee May 27, 2020 2020-05-27/en/2020/0527/1693.html