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關(guān)于鴻遠(yuǎn)
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聯(lián)系鴻遠(yuǎn)
人民銀行官宣！跨境電商支付政策迎來(lái)重大利好，7月21日起實(shí)施The People's Bank of China officially announced! The cross-border e-commerce payment policy has ushered in a major positive, and it will be implemented on July 21
發(fā)布時(shí)間：
2022-06-22
6月20日晚間，人民銀行發(fā)布《關(guān)于支持外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算的通知》（以下簡(jiǎn)稱《通知》），支持銀行和支付機(jī)構(gòu)更好服務(wù)外貿(mào)新業(yè)態(tài)發(fā)展，《通知》自2022年7月21日起實(shí)施。《通知》主要內(nèi)容包括：一是加大對(duì)外貿(mào)新業(yè)態(tài)的支持力度，完善跨境電商等外貿(mào)新業(yè)態(tài)跨境人民幣業(yè)務(wù)相關(guān)政策。二是將支付機(jī)構(gòu)跨境業(yè)務(wù)辦理范圍由貨物貿(mào)易、服務(wù)貿(mào)易拓寬至經(jīng)常項(xiàng)下。三是明確銀行、支付機(jī)構(gòu)等相關(guān)業(yè)務(wù)主體展業(yè)和備案要求。四是明確
6月20日晚間，人民銀行發(fā)布《關(guān)于支持外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算的通知》（以下簡(jiǎn)稱《通知》），支持銀行和支付機(jī)構(gòu)更好服務(wù)外貿(mào)新業(yè)態(tài)發(fā)展，《通知》自2022年7月21日起實(shí)施。
《通知》主要內(nèi)容包括：一是加大對(duì)外貿(mào)新業(yè)態(tài)的支持力度，完善跨境電商等外貿(mào)新業(yè)態(tài)跨境人民幣業(yè)務(wù)相關(guān)政策。二是將支付機(jī)構(gòu)跨境業(yè)務(wù)辦理范圍由貨物貿(mào)易、服務(wù)貿(mào)易拓寬至經(jīng)常項(xiàng)下。三是明確銀行、支付機(jī)構(gòu)等相關(guān)業(yè)務(wù)主體展業(yè)和備案要求。四是明確業(yè)務(wù)真實(shí)性審核、反洗錢、反恐怖融資、反逃稅以及數(shù)據(jù)報(bào)送等要求，壓實(shí)銀行與支付機(jī)構(gòu)展業(yè)責(zé)任，防控業(yè)務(wù)風(fēng)險(xiǎn)。
人民銀行表示，將穩(wěn)步推進(jìn)《通知》的落地實(shí)施，為外貿(mào)新業(yè)態(tài)市場(chǎng)主體提供良好的配套金融服務(wù)，切實(shí)發(fā)揮跨境人民幣業(yè)務(wù)服務(wù)實(shí)體經(jīng)濟(jì)、推動(dòng)外貿(mào)新業(yè)態(tài)高質(zhì)量發(fā)展的積極作用，支持和引導(dǎo)外貿(mào)新業(yè)態(tài)新模式健康持續(xù)創(chuàng)新發(fā)展，助力穩(wěn)定宏觀經(jīng)濟(jì)大盤。
今年1月7日，為完善外貿(mào)新業(yè)態(tài)跨境人民幣業(yè)務(wù)管理，支持銀行和支付機(jī)構(gòu)更好服務(wù)外貿(mào)新業(yè)態(tài)發(fā)展，中國(guó)人民銀行起草了《關(guān)于支持外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算的通知（征求意見稿）》。
↓ ↓ 以下是政策全文↓ ↓
關(guān)于支持外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算的通知
中國(guó)人民銀行上?？偛浚鞣中?、營(yíng)業(yè)管理部，各省會(huì)（首府）城市中心支行，各副省級(jí)城市中心支行；國(guó)家開發(fā)銀行，各政策性銀行、國(guó)有商業(yè)銀行，中國(guó)郵政儲(chǔ)蓄銀行，各股份制商業(yè)銀行；中國(guó)銀聯(lián)、跨境清算公司、網(wǎng)聯(lián)清算有限公司：
為貫徹落實(shí)《國(guó)務(wù)院辦公廳關(guān)于加快發(fā)展外貿(mào)新業(yè)態(tài)新模式的意見》（國(guó)辦發(fā)〔2021〕24號(hào)），進(jìn)一步發(fā)揮跨境人民幣結(jié)算業(yè)務(wù)服務(wù)實(shí)體經(jīng)濟(jì)、促進(jìn)貿(mào)易投資便利化的作用，支持外貿(mào)新業(yè)態(tài)發(fā)展，現(xiàn)將有關(guān)事項(xiàng)通知如下：
一、在“了解你的客戶”“了解你的業(yè)務(wù)”和“盡職審查”三原則的基礎(chǔ)上，境內(nèi)銀行可與依法取得互聯(lián)網(wǎng)支付業(yè)務(wù)許可的非銀行支付機(jī)構(gòu)（以下簡(jiǎn)稱支付機(jī)構(gòu)）、具有合法資質(zhì)的清算機(jī)構(gòu)合作，為市場(chǎng)交易主體及個(gè)人提供經(jīng)常項(xiàng)下跨境人民幣結(jié)算服務(wù)。
本通知所稱市場(chǎng)交易主體是指跨境電子商務(wù)、市場(chǎng)采購(gòu)貿(mào)易、海外倉(cāng)和外貿(mào)綜合服務(wù)企業(yè)等外貿(mào)新業(yè)態(tài)經(jīng)營(yíng)者、購(gòu)買商品或服務(wù)的消費(fèi)者。
二、與支付機(jī)構(gòu)合作的境內(nèi)銀行應(yīng)具備3年以上開展跨境人民幣結(jié)算業(yè)務(wù)的經(jīng)驗(yàn)，滿足備付金銀行相關(guān)要求，具備審核支付機(jī)構(gòu)跨境人民幣結(jié)算業(yè)務(wù)真實(shí)性、合法性的能力，具備適應(yīng)支付機(jī)構(gòu)跨境人民幣結(jié)算業(yè)務(wù)特點(diǎn)的反洗錢、反恐怖融資、反逃稅系統(tǒng)處理能力。
三、參與提供本通知規(guī)定的跨境人民幣結(jié)算服務(wù)的支付機(jī)構(gòu)應(yīng)滿足以下條件：
（一）在境內(nèi)注冊(cè)并依法取得互聯(lián)網(wǎng)支付業(yè)務(wù)許可。
（二）具有使用人民幣進(jìn)行跨境結(jié)算的真實(shí)跨境業(yè)務(wù)需求。
（三）具備健全的跨境業(yè)務(wù)相關(guān)內(nèi)部控制制度和專職人員，能夠按本通知要求及相關(guān)規(guī)定做好商戶信息采集和準(zhǔn)入管理，交易信息采集，跨境業(yè)務(wù)真實(shí)性、合法性審核等。
（四）具備跨境人民幣結(jié)算服務(wù)相關(guān)反洗錢、反恐怖融資、反逃稅等具體制度和措施；具備高效的跨境人民幣結(jié)算服務(wù)相關(guān)反洗錢、反恐怖融資、反逃稅系統(tǒng)處理和對(duì)接能力。
（五）遵守國(guó)家有關(guān)法律法規(guī)，合規(guī)經(jīng)營(yíng)，風(fēng)險(xiǎn)控制能力較強(qiáng)，近兩年未發(fā)生嚴(yán)重違規(guī)情況。
四、境內(nèi)銀行在為支付機(jī)構(gòu)辦理跨境人民幣結(jié)算業(yè)務(wù)時(shí)，應(yīng)按本通知第三條規(guī)定評(píng)估支付機(jī)構(gòu)展業(yè)能力，與支付機(jī)構(gòu)簽署跨境人民幣結(jié)算業(yè)務(wù)協(xié)議，明確雙方權(quán)利和義務(wù)，并于10個(gè)工作日內(nèi)向所在地中國(guó)人民銀行副省級(jí)城市中心支行以上分支機(jī)構(gòu)（以下簡(jiǎn)稱中國(guó)人民銀行分支機(jī)構(gòu)）備案。境內(nèi)銀行應(yīng)每年對(duì)已備案支付機(jī)構(gòu)展業(yè)能力進(jìn)行評(píng)估并定期報(bào)送所在地中國(guó)人民銀行分支機(jī)構(gòu)?？缇橙嗣駧沤Y(jié)算業(yè)務(wù)協(xié)議發(fā)生變更的，境內(nèi)銀行應(yīng)于10個(gè)工作日內(nèi)向所在地中國(guó)人民銀行分支機(jī)構(gòu)備案。對(duì)于經(jīng)評(píng)估不滿足本通知第三條相關(guān)要求的支付機(jī)構(gòu)或跨境人民幣結(jié)算業(yè)務(wù)協(xié)議終止的，境內(nèi)銀行應(yīng)于10個(gè)工作日內(nèi)向所在地中國(guó)人民銀行分支機(jī)構(gòu)報(bào)告并辦理撤銷備案。
五、開展本通知規(guī)定的跨境人民幣結(jié)算業(yè)務(wù)應(yīng)具有真實(shí)、合法的交易基礎(chǔ)，且符合國(guó)家有關(guān)法律法規(guī)規(guī)定。境內(nèi)銀行與支付機(jī)構(gòu)合作開展本通知規(guī)定的跨境人民幣結(jié)算業(yè)務(wù)的，雙方應(yīng)協(xié)商建立業(yè)務(wù)真實(shí)性審核機(jī)制，共同做好業(yè)務(wù)背景真實(shí)性、合法性審核，不得以任何形式為非法交易提供跨境人民幣結(jié)算服務(wù)。
（一）境內(nèi)銀行、支付機(jī)構(gòu)應(yīng)加強(qiáng)市場(chǎng)交易主體管理，依法采集市場(chǎng)交易主體基本信息，并定期核驗(yàn)更新，建立市場(chǎng)交易主體負(fù)面清單。
（二）境內(nèi)銀行、支付機(jī)構(gòu)應(yīng)根據(jù)市場(chǎng)交易主體類別、交易特征等，合理確定各類跨境人民幣結(jié)算業(yè)務(wù)的單筆交易限額。
（三）境內(nèi)銀行、支付機(jī)構(gòu)應(yīng)建立健全跨境人民幣結(jié)算業(yè)務(wù)事中審核和事后抽查制度，加強(qiáng)對(duì)大額交易、可疑交易、高頻交易等異常交易的監(jiān)測(cè)，相關(guān)信息至少留存5年備查。
（四）支付機(jī)構(gòu)應(yīng)制定交易信息采集及驗(yàn)證制度，對(duì)于違規(guī)風(fēng)險(xiǎn)較高的交易，支付機(jī)構(gòu)應(yīng)要求市場(chǎng)交易主體提供相關(guān)單證材料；不能確認(rèn)交易真實(shí)合法的，應(yīng)拒絕辦理相關(guān)跨境人民幣結(jié)算業(yè)務(wù)。
（五）與支付機(jī)構(gòu)合作的境內(nèi)銀行發(fā)現(xiàn)異常情況的，應(yīng)及時(shí)采取相應(yīng)措施，包括但不限于要求支付機(jī)構(gòu)及交易相關(guān)方就可疑交易提供真實(shí)合法的單證材料；確認(rèn)發(fā)生異常情況的，境內(nèi)銀行應(yīng)于5個(gè)工作日內(nèi)向所在地中國(guó)人民銀行分支機(jī)構(gòu)報(bào)告。境內(nèi)銀行對(duì)支付機(jī)構(gòu)違規(guī)業(yè)務(wù)依法承擔(dān)連帶責(zé)任。
境內(nèi)銀行直接為市場(chǎng)交易主體提供本通知規(guī)定的跨境人民幣結(jié)算服務(wù)的，參照本通知辦理。
六、境內(nèi)銀行和支付機(jī)構(gòu)提供跨境人民幣結(jié)算服務(wù)時(shí)，應(yīng)依法履行反洗錢、反恐怖融資、反逃稅義務(wù)，遵守打擊跨境賭博、電信網(wǎng)絡(luò)詐騙及非法從事支付機(jī)構(gòu)業(yè)務(wù)等相關(guān)規(guī)定。
七、境內(nèi)銀行應(yīng)按照人民幣跨境收付信息管理系統(tǒng)（RCPMIS）信息報(bào)送相關(guān)要求，及時(shí)、準(zhǔn)確、完整地報(bào)送跨境收付數(shù)據(jù)，軋差凈額結(jié)算應(yīng)還原為收款和付款信息報(bào)送。境內(nèi)銀行、支付機(jī)構(gòu)應(yīng)妥善保存集中收付或軋差凈額結(jié)算前境內(nèi)實(shí)際收付款機(jī)構(gòu)或個(gè)人的逐筆原始收付款數(shù)據(jù)備查。
八、中國(guó)人民銀行及其分支機(jī)構(gòu)可依法對(duì)境內(nèi)銀行和支付機(jī)構(gòu)開展的外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算業(yè)務(wù)開展非現(xiàn)場(chǎng)監(jiān)測(cè)，境內(nèi)銀行和支付機(jī)構(gòu)應(yīng)予以配合。
九、支持境內(nèi)銀行和支付機(jī)構(gòu)提升服務(wù)能力，加大對(duì)外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算業(yè)務(wù)的支持力度，豐富外貿(mào)新業(yè)態(tài)跨境人民幣結(jié)算業(yè)務(wù)配套產(chǎn)品，降低市場(chǎng)交易主體業(yè)務(wù)辦理成本。
十、本通知自2022年7月21日起施行?！吨袊?guó)人民銀行關(guān)于貫徹落實(shí)〈國(guó)務(wù)院辦公廳關(guān)于支持外貿(mào)穩(wěn)定增長(zhǎng)的若干意見〉的指導(dǎo)意見》（銀發(fā)〔2014〕168號(hào)）第七條等規(guī)定與本通知不一致的，以本通知為準(zhǔn)。
中國(guó)人民銀行
2022年6月16日
來(lái)源：中國(guó)人民銀行網(wǎng)站
On the evening of June 20, the People's Bank of China issued the "Notice on Supporting New Formats of Foreign Trade Cross-border RMB Settlement" (hereinafter referred to as the "Notice") to support banks and payment institutions to better serve the development of new foreign trade formats. It will be implemented from the 21st of the month.
The main contents of the "Notice" include: First, increase support for new forms of foreign trade, and improve policies related to cross-border RMB business in new forms of foreign trade such as cross-border e-commerce. The second is to expand the scope of cross-border business of payment institutions from trade in goods and trade in services to the current account. The third is to clarify the business development and filing requirements of relevant business entities such as banks and payment institutions. The fourth is to clarify the requirements for business authenticity review, anti-money laundering, anti-terrorist financing, anti-tax evasion, and data reporting, consolidate the business development responsibilities of banks and payment institutions, and prevent and control business risks.
The People's Bank of China stated that it will steadily promote the implementation of the "Notice", provide good supporting financial services for market players of new foreign trade formats, and effectively play the positive role of cross-border RMB business in serving the real economy and promoting the high-quality development of new foreign trade formats. Guide the healthy and sustainable innovation and development of new business forms and models of foreign trade, and help stabilize the macroeconomic market.
On January 7 this year, in order to improve the management of cross-border RMB business in new forms of foreign trade, and to support banks and payment institutions to better serve the development of new forms of foreign trade, the People's Bank of China drafted the "Notice on Supporting Cross-border RMB Settlement in New Forms of Foreign Trade (Comments for Comments)" draft)".
↓ ↓ The following is the full text of the policy ↓ ↓
Notice on Supporting Cross-border Renminbi Settlement in New Formats of Foreign Trade
The Shanghai Headquarters of the People's Bank of China, all branches and business management departments, all central sub-branches in provincial capital (capital) cities, and all central sub-branches in sub-provincial cities; China Development Bank, various policy banks, state-owned commercial banks, Postal Savings Bank of China, all joint-stock companies Commercial Banks; China UnionPay, Cross-border Clearing Company, and Netlink Clearing Co., Ltd.:
In order to implement the "Opinions of the General Office of the State Council on Accelerating the Development of New Formats and New Models of Foreign Trade" (Guo Ban Fa [2021] No. 24), further play the role of cross-border RMB settlement business in serving the real economy, promoting trade and investment facilitation, and supporting foreign trade For the development of new business formats, the relevant matters are hereby notified as follows:
I. On the basis of the three principles of "know your customer", "know your business" and "due diligence", domestic banks may cooperate with non-bank payment institutions (hereinafter referred to as payment institutions) that have legally obtained the Internet payment business license (hereinafter referred to as payment institutions), legal Cooperate with qualified clearing institutions to provide market transaction entities and individuals with cross-border RMB settlement services under the current account.
The term “market transaction entities” as mentioned in this Notice refers to operators of new foreign trade formats such as cross-border e-commerce, market procurement trade, overseas warehouses, and foreign trade comprehensive service enterprises, and consumers who purchase goods or services.
2. Domestic banks cooperating with payment institutions should have more than 3 years of experience in conducting cross-border RMB settlement business, meet the relevant requirements of reserve banks, have the ability to review the authenticity and legality of payment institutions’ cross-border RMB settlement business, and have the ability to adapt to The anti-money laundering, anti-terrorist financing, and anti-tax evasion system processing capabilities of payment institutions' cross-border RMB settlement business characteristics.
3. Payment institutions participating in the provision of cross-border RMB settlement services specified in this notice shall meet the following conditions:
(1) Register in China and obtain an Internet payment business license according to law.
(2) It has real cross-border business needs to use RMB for cross-border settlement.
(3) It has a sound internal control system and full-time personnel related to cross-border business, and can effectively collect merchant information and access management, collect transaction information, and review the authenticity and legality of cross-border business in accordance with the requirements of this notice and relevant regulations.
(4) It has specific anti-money laundering, anti-terrorist financing, anti-tax evasion and other specific systems and measures related to cross-border RMB settlement services; and has efficient anti-money laundering, anti-terrorist financing, and anti-tax evasion system processing and docking capabilities for cross-border RMB settlement services.
(5) Comply with relevant national laws and regulations, operate in compliance with regulations, have strong risk control capabilities, and have no serious violations in the past two years.
4. When handling cross-border RMB settlement business for payment institutions, domestic banks shall evaluate the business development capabilities of payment institutions in accordance with Article 3 of this notice, and sign cross-border RMB settlement business agreements with payment institutions, clarifying the rights and obligations of both parties, and on October 10 Within 1 working day, it will be filed with the branch of the People's Bank of China at or above the central sub-branch in the sub-provincial city of the People's Bank of China (hereinafter referred to as the branch of the People's Bank of China). Domestic banks shall evaluate the business development capabilities of the registered payment institutions every year and regularly report to the local branch of the People's Bank of China. If the cross-border RMB settlement business agreement is changed, the domestic bank shall file with the local People's Bank of China branch within 10 working days. For payment institutions or cross-border RMB settlement business agreements that have been assessed and do not meet the relevant requirements of Article 3 of this notice, the domestic bank shall report to the local branch of the People's Bank of China within 10 working days and handle the cancellation filing.
V. The cross-border RMB settlement business stipulated in this Circular shall have a real and legal transaction basis and comply with the relevant national laws and regulations. If a domestic bank and a payment institution cooperate to carry out the cross-border RMB settlement business stipulated in this Notice, the two parties shall negotiate to establish a business authenticity review mechanism, and jointly conduct a review of the authenticity and legality of the business background, and shall not provide cross-border transactions for illegal transactions in any form. RMB settlement service.
(1) Domestic banks and payment institutions shall strengthen the management of market transaction entities, collect basic information of market transaction entities in accordance with the law, verify and update them regularly, and establish a negative list of market transaction entities.
(2) Domestic banks and payment institutions shall reasonably determine the single transaction limit for various types of cross-border RMB settlement business based on the types of market transaction entities and transaction characteristics.
(3) Domestic banks and payment institutions shall establish and improve the system of in-process review and post-event random inspection of cross-border RMB settlement business, strengthen the monitoring of abnormal transactions such as large-value transactions, suspicious transactions, and high-frequency transactions, and retain relevant information for at least 5 years for future reference.
(4) Payment institutions should formulate transaction information collection and verification systems. For transactions with high risk of violations, payment institutions should require market transaction entities to provide relevant documents and materials; if the transaction cannot be confirmed to be true and legal, they should refuse to handle relevant cross-border RMB settlements. business.
(5) If a domestic bank cooperating with a payment institution finds an abnormal situation, it shall take corresponding measures in a timely manner, including but not limited to requiring the payment institution and transaction related parties to provide true and legal documents for suspicious transactions; The bank shall report to the local branch of the People's Bank of China within 5 working days. Domestic banks shall be jointly and severally liable for the illegal business of payment institutions in accordance with the law.
Where domestic banks directly provide market transaction entities with cross-border RMB settlement services stipulated in this Circular, refer to this Circular for handling.
6. When providing cross-border RMB settlement services, domestic banks and payment institutions shall fulfill their obligations of anti-money laundering, anti-terrorist financing, and anti-tax evasion in accordance with the law, and abide by relevant regulations on cracking down on cross-border gambling, telecommunication network fraud, and illegally engaging in payment institution business.
7. Domestic banks shall submit cross-border receipt and payment data in a timely, accurate and complete manner in accordance with the relevant requirements for information reporting of the RMB Cross-border Receipt and Payment Information Management System (RCPMIS), and the netting settlement shall be restored to the receipt and payment information Submit. Domestic banks and payment institutions shall properly keep the original collection and payment data of domestic actual collection and payment institutions or individuals before centralized collection and payment or netting settlement for future reference.
8. The People's Bank of China and its branches may conduct off-site monitoring of the cross-border RMB settlement business of new foreign trade formats carried out by domestic banks and payment institutions in accordance with the law, and domestic banks and payment institutions shall cooperate.
9. Support domestic banks and payment institutions to improve their service capabilities, increase support for cross-border RMB settlement business in new foreign trade formats, enrich supporting products for cross-border RMB settlement business in new foreign trade formats, and reduce business transaction costs for market transaction entities.
10. This notice shall come into force on July 21, 2022. In case of any inconsistency between Article 7 and other provisions of the "Guiding Opinions of the People's Bank of China on Implementing Several Opinions of the General Office of the State Council on Supporting the Stable Growth of Foreign Trade" (Yin Fa [2014] No. 168), this Circular shall prevail.
People's Bank of China
June 16, 2022
Source: People's Bank of China website
Keyword:
the,and,of,payment,cross-border,跨境,business,in,to
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