興業(yè)銀行柜面常見個(gè)人外匯業(yè)務(wù)操作手冊(cè)

1、1興業(yè)銀行柜面常見個(gè)人外匯業(yè)務(wù)操作手冊(cè) 興業(yè)銀行柜面常見個(gè)人外匯業(yè)務(wù)操作手冊(cè)目 錄第一部分 個(gè)人外匯賬戶及外幣現(xiàn)鈔管理.....................................................................................41．1 個(gè)人外匯賬戶管理...........................................................

2、..............................................41. 1. 1 個(gè)人外匯賬戶管理基本業(yè)務(wù)規(guī)定...................................................................41．2 外幣現(xiàn)鈔管理 ........................................................................

3、........................................51．2．1 外幣現(xiàn)鈔管理基本業(yè)務(wù)規(guī)定...........................................................................51．3 個(gè)人外匯賬戶及外幣現(xiàn)鈔管理常見問題解答.............................................................7

4、第二部分 個(gè)人結(jié)售匯 ....................................................................................................................82．1 個(gè)人結(jié)匯 ...................................................................................

5、.....................................82．1．1 個(gè)人結(jié)匯業(yè)務(wù)基本規(guī)定...................................................................................82．1．2 個(gè)人經(jīng)常項(xiàng)目下非經(jīng)營(yíng)性結(jié)匯管理審核標(biāo)準(zhǔn) .............................................102．2 個(gè)人售匯

6、......................................................................................................................122．2．1 個(gè)人售匯業(yè)務(wù)基本規(guī)定.................................................................................122

7、．2．2 境內(nèi)個(gè)人購匯管理審核標(biāo)準(zhǔn).........................................................................132. 3 個(gè)人結(jié)售匯業(yè)務(wù)管理相關(guān)規(guī)定...................................................................................202. 4 個(gè)人結(jié)售匯業(yè)務(wù)常見問題解答.......

8、............................................................................22第三部分 個(gè)人外匯收支與國(guó)際收支申報(bào)...................................................................................253．1 個(gè)人外匯收支業(yè)務(wù)基本規(guī)定.......................

9、................................................................253．2 個(gè)人外匯收支業(yè)務(wù)操作...............................................................................................273. 2. 1 個(gè)人外匯境內(nèi)匯款...........................

10、..............................................................273．2．2 個(gè)人外匯境外匯款.........................................................................................283．3 國(guó)際收支申報(bào)基本業(yè)務(wù)規(guī)定...................................

11、....................................................313．4 個(gè)人外匯收支及國(guó)際收支申報(bào)常見問題解答...........................................................32第四部分 個(gè)人外匯業(yè)務(wù)操作流程...................................................................

12、............................334．1 個(gè)人外匯儲(chǔ)蓄賬戶開戶操作.......................................................................................334．2 個(gè)人外幣活期存款業(yè)務(wù)操作.....................................................................

13、..................364．3 外幣整存整取定期儲(chǔ)蓄存款業(yè)務(wù)操作.......................................................................374．4 個(gè)人外幣活期取款業(yè)務(wù)操作.......................................................................................394．

14、5 個(gè)人外幣定期儲(chǔ)蓄存款取款業(yè)務(wù)操作.......................................................................404．6 個(gè)人結(jié)匯業(yè)務(wù)操作.......................................................................................................414．7 個(gè)人售匯業(yè)務(wù)操作

15、.......................................................................................................434．8 個(gè)人外匯收支業(yè)務(wù)操作...............................................................................................484．8．

16、1 個(gè)人外匯境內(nèi)匯款.........................................................................................484．8．2 個(gè)人外匯境外匯款.........................................................................................49第五部分 個(gè)人外匯業(yè)務(wù)重要法

17、規(guī)政策集錦...............................................................................505．1 個(gè)人外匯管理辦法.......................................................................................................505．2 個(gè)人外匯管理辦法實(shí)施細(xì)則.

18、......................................................................................555．3 攜帶外幣現(xiàn)鈔出入境管理暫行辦法...........................................................................625．4 攜帶外幣現(xiàn)鈔出入境管理操作規(guī)程.................

19、..........................................................655．5 興業(yè)銀行個(gè)人結(jié)匯、售匯業(yè)務(wù)操作規(guī)程...................................................................723前 言隨著近年來國(guó)內(nèi)經(jīng)濟(jì)的突飛猛進(jìn)，國(guó)內(nèi)居民境外消費(fèi)規(guī)模逐年攀升，出境人次快速增長(zhǎng)，境外消費(fèi)規(guī)模不斷攀升。龐大的出國(guó)金融市場(chǎng)，

20、吸引了眾多金融機(jī)構(gòu)參與競(jìng)爭(zhēng)開發(fā)。2014 年，本行以簽證申請(qǐng)代傳遞業(yè)務(wù)為突破口，正式進(jìn)軍出國(guó)金融市場(chǎng)，通過為客戶提供出境咨詢、財(cái)力證明、信貸支持、代開海外賬戶、外匯買賣等境外金融業(yè)務(wù)，深度挖掘各環(huán)節(jié)蘊(yùn)含的商機(jī)，帶動(dòng)本行零售負(fù)債、資產(chǎn)、核心客戶、刷卡交易等全面發(fā)展，持續(xù)壯大中間業(yè)務(wù)收入規(guī)模，促進(jìn)提升全行零售條線綜合收益水平。為實(shí)現(xiàn)出國(guó)金融方案的落地實(shí)施，確保所有網(wǎng)點(diǎn)均能為客戶提供完整的出國(guó)金融服務(wù)，總行下發(fā)了《關(guān)于做好網(wǎng)點(diǎn)個(gè)人外匯業(yè)務(wù)開辦

21、準(zhǔn)備工作的通知》 ，要求所有網(wǎng)點(diǎn)均需具備個(gè)人外匯業(yè)務(wù)開辦資質(zhì)及能力。同時(shí)，為指導(dǎo)網(wǎng)點(diǎn)人員掌握柜面常見個(gè)人外匯業(yè)務(wù)，確保本行業(yè)務(wù)人員能為客戶提供專業(yè)、優(yōu)質(zhì)的個(gè)人外匯服務(wù)，總行組織編寫《柜面常見個(gè)人外匯業(yè)務(wù)操作手冊(cè)》 。本手冊(cè)在全面梳理柜面?zhèn)€人外匯業(yè)務(wù)的基礎(chǔ)上，選取了個(gè)人外匯賬戶及外幣現(xiàn)鈔管理、個(gè)人結(jié)售匯、個(gè)人外匯收支以及國(guó)際收支申報(bào)等柜面常見個(gè)人外匯業(yè)務(wù)種類，通過對(duì)重要外匯政策進(jìn)行解讀，明確柜面操作的業(yè)務(wù)規(guī)定、操作流程，并配上操作界面的方