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问:据悉,国家外汇管理局近期发布了《境内居民个人购汇管理实施细则》(以下简称《细则》),正式在全国推广“境内居民个人购汇管理信息系统”(以下简称“个人购汇系统”),并规范居民个人购汇管理。您能介绍一下政策出台的背景吗?答:一直以来,银行办理居民个人售汇业务都是手工操作、手工统计,为防止重复购汇,国家外汇管理局授权中国银行独家办理个人售汇业务。这种管理方式虽然对维护国际收支平衡起到了积极作用,但也带来一些问题,如购汇网点较少,又限制异地购汇,给个人购汇带来很多不便;在新的形势下授权一家银行办理个人售汇业务,不利于银行间公平竞争;银行售汇业务靠手工操作,无法有效防止个人重复购汇,等等。
Q: It is learned that the SAFE recently issued the “Detailed Rules for the Administration of Foreign Exchange Purchase by Domestic Residents” (hereinafter referred to as the “Detailed Rules”), and formally promoted the “Management System of Foreign Exchange Purchase of Domestic Residents” (hereinafter referred to as the “ Personal foreign exchange purchase system ”), and regulate residents to purchase foreign exchange management. A: Since the banks have been handling personal resident sales of foreign exchange business all by hand, manual statistics, in order to prevent repeated purchase of foreign exchange, the SAFE authorized Bank of China to exclusively handle personal foreign exchange sales business. Although this management mode has played a positive role in maintaining the balance of payments, it also poses problems such as fewer outlets for foreign exchange purchase and restrictions on foreign exchange purchase, which brings many inconveniences to individual foreign exchange purchase. Under the new situation To authorize a bank to handle personal foreign exchange sales is not conducive to fair competition among banks; banks sell foreign exchange business by hand and can not effectively prevent individuals from repeatedly purchasing foreign exchange.