【中英文对照版】银行外汇展业管理办法(试行).docx

国家外汇管理局公告（2023年第1号）为进一步提升银行外汇展业能 力，促进跨境贸易与投融资便利 化，防范跨境资金流动风险，国 家外汇管理局根据中华人民共 和国外汇管理条例及相关法律 法规制定了银行外汇展业管理 办法（试行）（以下简称办 法，见附件），现予以公布， 自2024年1月1日起施行。有关 事项公告如下：一、办法实施期间，银 行可以自愿选择适用办法模 式进行外汇展业；未选择适用 办法模式的，外汇展业执行 原有相关外汇管理法律法规。银行外汇展业管理办法(试行)AdministrativeMeasuresforDevelopingtheForeignExchangeBusinessbyBanks(forTrialImplementation)制定机关：国家外汇管理局发文字号：国家外汇管理局公告2023年第1号公布日期:2023.12.29施行日期：2024.01.01效力位阶：部门规范性文件法规类别：外汇综合规定IssuingAuthority：StateAdministrationofForeignExchangeDocumentNumber：AnnouncementNo.12023oftheStateAdministrationofForeignExchangeDateIssued：12-29-2023EffectiveDale：01-01-20241.evelofAuthority:DepartmentalRegulatoryDocumentsAreaofLaw：GeneralProvisionsonForeignExchangeAnnouncementoftheStateAdministrationofForeignExchange(No.12023)Forthepurposesoffurtherenhancingthecapabilitiesofbanksindevelopingtheforeignexchangebusiness,promotingthefacilitationofcross-bordertrade,investment,andfinancing,andpreventingrisksinthecross-borderflowoffunds,inaccordancewiththeRegulationofthePeople'sRepublicofChinaonForeignExchangeAdministrationandrelevantlawsandregulations,theStateAdministrationofForeignExchange(SAFE)hasdevelopedtheAdministrativeMeasuresforDevelopingtheForeignExchangeBusinessbyBanks(forTrialImplementation)(the“Measures,"seetheAnnex),whichareherebyissuedandshallcomeintoforceonJanuary1,2024.Therelevantmattersareannouncedasfollows:I.DuringtheimplementationoftheMeasures,banksmayvoluntarilychoosetoapplythemodeprescribedintheMeasuresindevelopingtheforeignexchangebusiness.BanksthatdonotchoosetoapplythemodeprescribedintheMeasuresshallbegovernedbytheexistinglawsandregulationsonforeignexchangeadministrationindevelopingtheirforeignexchangebusiness.II.AbankthatchoosestodevelopitsforeignexchangebusinessbyapplyingthemodeprescribedintheMeasuresshallreporttotheSAFEthecomplianceofitsorganizationalstructure,internalcontrolrules,informationsystemdevelopment,andotherconditionswiththerequirementsspecifiedinArticle3oftheMeasures,andshallnotdevelopitsforeignexchangebusinessbyapplyingthemodeprescribedintheMeasuresuntilitreceivesanoticefromtheSAFE.二、选择适用办法模式进行外汇展业的银行，应当就本行组织架构、内控制度、信息系统建设等符合办法第三条规定的情况，向国家外汇管理局报告，收到国家外汇管理局通知后方可适用办法模式进行外汇展业。III.TheSAFEshallguideitsbranchesinprovinces,autonomousregions,municipalitiesdirectlyundertheCentralGovernment,andcitiesunderseparatestateplanningtoprovidecounselingtobankswithintheirrespectivejurisdictionswhichintendtoapplythemodeprescribedintheMeasures,andeffectivelyconductsuchworkasimprovingtheorganizationalstructure,internalcontrolrules,andinformationsystemdevelopment.Annex:AdministrativeMeasuresforDevelopingtheForeignExchangeBusinessbyBanks(forTrialImplementation)三、国家外汇管理局指导省、自治区、直辖市、计划单列市分局，辅导辖内有意愿适用办法模式的银行，做好完善组织架构、内控制度和信息系统建设等工作。附件：银行外汇展业管理办法（试行）StateAdministrationofForeignExchange国家外汇管理局December29,20232023年12月29日Annex附件AdministrativeMeasuresforDevelopingtheForeignExchangeBusinessbyBanks(forTrialImplementation)ChapterIGeneralProvisionsArticle1TheseMeasuresaredevelopedinaccordancewiththeRegulationofthePeople'sRepublicofChinaonForeignExchangeAdministrationandrelevantlawsandregulationstofurtherenhancethecapabilitiesofbanksindevelopingtheforeignexchangebusiness,promotethefacilitationofcross-bordertrade,investment,andfinancing,andpreventrisksinthecross-borderflowoffunds.银行外汇展业管理办法（试行）第一章总则第一条为进一步提升银行外汇展业能力，促进跨境贸易与投融资便利化，防范跨境资金流动风险，根据中华人民共和国外汇管理条例及相关法律法规，制定本办法。第二条本办法所称银行外 汇展业，是指银行为境内企业、 事业单位、社会团体等机构（不 含金融机构，以下简称客户）开 展外汇业务时，依法实施客户尽 职调查，确定客户外汇合规风险 等级，实施差异化措施办理外汇 业务，及时监测处置外汇合规风 险的活动。Article2ForthepurposesoftheseMeasures,"developingtheforeignexchangebusinessbybanksnmeanstheactivitiescarriedoutbybanksinprocessingforeignexchangetransactionsfordomesticenterprises,publicinstitutions,socialgroups,andotherinstitutions(excludingfinancialinstitutions,hereinafterreferredtoasthe“clients"),includingperformingclientduediligenceinaccordancewiththelaw,determiningclients'foreignexchangecompliancerisklevels,takingdifferentiatedmeasuresinprocessingforeignexchangetransactions,andpromptlymonitoringanddisposingofforeignexchangecompliancerisks.前款所称外汇业务，是指银行为 客户办理的外汇账户、外汇资金 收付、结售汇等业务。Forthepurposesoftheprecedingparagraph,uforeignexchangetransactionsnmeansforeignexchangeaccountmanagement,foreignexchangereceiptsandpayments,foreignexchangesaleandsettlement,andothertransactionsprocessedbybanksfortheirclients.第三条银行按照本办法进 行外汇展业应当符合以下要求：Article3AbankshallsatisfythefollowingrequirementsindevelopingitsforeignexchangebusinessinaccordancewiththeseMeasures:（一）建立科学有效、职责明确 的外汇合规管理组织架构；(1) Itshallestablishascientificandeffectiveorganizationalstructureforforeignexchangecompliancemanagementwithspecificduties.（二）建立全面、系统、规范的 内控制度并辅以信息系统控制；(2) Itshalldevelopcomprehensive,systematic,andstandardizedinternalcontrolrulessupportedbyinformationsystem-basedcontrol.（三）能够有效开展客户尽职调 查；(3) Itshallbeabletoeffectivelyconductclientduediligence.（四）能够合理确