【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）能够合理确定客户外汇合 规风险等级并进行差异化管理；(4) Itshallbeabletoreasonablydetermineclients'foreignexchangecompliancerisklevelsandconductdifferentiatedmanagement.（五）能够及时监测处置外汇合 规风险；（六）相关法律法规要求的其他(5) Itshallbeabletopromptlymonitoranddisposeofforeignexchangecompliancerisks.(6) Otherrequirementsprescribedbyrelevantlawsand内容。regulations.Article4Abankshallperformitsdutiesof,knowingyourclients,knowingyourbusiness,andconductingduediligence*andactwithduediligenceinthewholeprocessofdevelopingitsforeignexchangebusinesstoeffectivelyprevent,identify,assess,monitor,anddisposeofforeignexchangecompliancerisks.Article5TheStateAdministrationofForeignExchange(SAFE)anditsbranches(uforeignexchangeauthoritiesn)shallsuperviseandinspecttheimplementationoftheseMeasures.Banksshallcooperateinthesupervisionandinspectionconductedbyforeignexchangeauthoritiesandprovidetherelevantdocuments,materials,data,andinformationinatruthful,accurate,complete,andtimelymanner,andshallnotrefusetoprovidethem,obstructtheprovision,orwithholdanyinformation.ChapterIlInternalControlArticle6Abankshall,inaccordancewiththeseMeasuresandtherelevantlawsandregulationsonforeignexchangeadministration,establishascientificandeffectiveorganizationalstructureforforeignexchangecompliancemanagementwithspecificduties:(1)Designatinganinternaldepartmentormanagementbodytotaketheleadintheforeignexchangecompliancemanagementofthewholebank.第四条银行应当在外汇展业全过程履行“了解客户、了解业务、尽职审查”职责，勤勉尽职，有效预防、识别、评估、监测和处置外汇合规风险。第五条国家外汇管理局及其分局（以下简称外汇局）对本办法执行情况进行监督检查；银行应当配合外汇局的监督检查，真实、准确、完整、及时地提供相关文件、资料、数据、信息，不得拒绝、阻碍和陞瞒。第二章内部控制第六条银行应当按照本办法及相关外汇管理法律法规，建立科学有效、职责明确的外汇合规管理组织架构：（一）指定内设部门或管理机构牵头负责全行外汇合规管理工作；(2)Establishingariskmanagementframeworkcoveringforeignexchangetransactionmanagement,riskcontrol,andinternalaudit.（二）构建包括外汇业务管理、风险控制、内部审计的风险管理框架；(3) Specifyingthedutiesofrelevantdepartmentsandpersonnelatrelevantpostsindevelopingtheforeignexchangebusiness.(4) IncludingtheimplementationoftheseMeasuresininternalinspection,audit,andperformanceassessment,conductingsupervisionandinspectiononaperiodicalbasis,andestablishingandimprovingtheaccountabilitymechanism.（三）明确相关部门及岗位人员的外汇展业职责分工；（四）将本办法执行情况纳入内部检查、审计及绩效考核，定期开展监督检查工作，建立健全责任追究机制。第七条 银行应当遵循以下 原则建立健全并有效执行外汇展 业内控制度：Article7Abankshallcomplywiththefollowingprinciplesinestablishing,improving,andeffectivelyimplementingitsinternalcontrolrulesfordevelopingtheforeignexchangebusiness:（一）全面性。银行外汇展业内 控制度应当全面覆盖已开办外汇 业务操作与管理的全流程，包括 但不限于部门职责分工、内部监 督检查，以及事前、事中、事后 外汇展业操作流程等。(1) Comprehensiveness.Abank'sinternalcontrolrulesfordevelopingtheforeignexchangebusinessshallcomprehensivelycoverthewholeprocessofforeignexchangebusinessoperationandmanagement,includingbutnotlimitedtothedivisionofdutiesofdepartments,internalsupervisionandinspection,aswellasadvance,interim,andexpostoperatingproceduresfordevelopingtheforeignexchangebusiness.（二）有效性。银行外汇展业内 控制度应当与本机构业务实际相 适应，并确保内控制度能够有效 执行。(2) Effectiveness.Abank'sinternalcontrolrulesfordevelopingtheforeignexchangebusinessshalladapttoitsactualbusinesssituation,andthebankshallensuretheeffectiveimplementationofitsinternalcontrolrules.（三）一致性。外部监管政策或 银行风险管理策略发生变化时， 银行应当及时更新外汇展业内控 制度。第八条银行应当按照外汇 合规风险管理需要，建立、优化 相关业务系统和信息管理系统， 确保客户身份信息、交易信息等 外汇展业信息的准确完整和可追 溯，并根据风险与合规管理需求 及时优化升级。(3) Consistency.Incaseofanychangeinexternalregulatorypoliciesorthebank'sriskmanagementstrategies,thebankshallpromptlyupdateitsinternalcontrolrulesfordevelopingitsforeignexchangebusiness.Article8Abankshall,asrequiredforitsforeignexchangecomplianceriskmanagement,establishandoptimizeitsrelevantbusinesssystemsandinformationmanagementsystemstoensuretheaccuracy,completeness,andtraceabilityoftheinformationondevelopingtheforeignexchangebusiness,suchasclients'identityinformationandtransactioninformation,andpromptlyoptimizeandupgradethemasrequiredforriskandcompliancemanagement.第九条银行应当建立外汇 展业档案，以纸质或电子等形式 依法完整妥善保存客户身份资 料、交易记录、风险分析及处理 记录，确保资料和记录的完整 性、一致性、可追溯和不可篡 改。Article9Abankshallestablisharchivesondevelopingitsforeignexchangebusinessandproperlyretaincompleteclients'identitymaterials,transactionrecords,aswellasriskanalysisandhandlingrecordsinaccordancewiththelawinpaper,electronic,orotherformstoensuretheintegrity,consistency,traceability,andnon-tamperabilityofmaterialsandrecords.前款所称客户身份资料，是指包Forthepurposesoftheprecedingparagraph,*4clients'括记载客户身份信息以及反映银 行开展客户尽职调查与风险分类 等工作情况的资料和记录；交易 记录，是指包括体现每笔交易信 息以及反映交易真实情况的业务 凭证等资料和记录；风险分析及 处理记录，是指包括反映银行开 展风险交易分析识别的来源、过 程、结论及内部审核与处置情况的工作记录。Relevant materials and records shall be retained for future inspection according to the requirements and term prescribed in the existing laws and regulations.相关资料和记录应当按照现行法 律法规规定的要求及期限留存备 查。Article 10 A bank and its employees shall, in accordance with the law, keep confidential clients' identity materials, transaction records, and risk analysis and disposal records, among others, obtained by them in carrying out the provisions on developing the foreign exchange business.第十条银行及其工作人员 对履行外汇展业规定获得的客户 身份资料、交易记录、风险分析 与处理记录等，应当依法予以保 密。Chapter III Client Due Diligence and Classification of Foreign Exchange Compliance Risk Levels第三章客户尽职调查与外汇合规风险等级分类Article 11 When establishing foreign exchange business relations with clients and during the existence of foreign exchange business relations, a bank shall conduct client due diligence, identify the identity of clients in accordance with the existing laws and regulations, and collect information such as money laundering and terrorist financing risk levels of clients, categories in the directory of trading enterprises, information on the list of cross-border RMB business subject to key supervision, information related to capital account management and control, records of administrative penalties imposed by foreign exchange authorities and relevant regulatory departments.第十一条银行与客户建立 外汇业务关系以及外汇业务关系 存续期间，应当开展客户尽职调 查，按照现行法律法规识别客户 身份，收集客户洗钱和恐怖融资 风险等级、贸易企业名录分类、 跨境人民币业务重点监管名单信 息、资本项目管控状态信息、外 汇局及相关监管部门行政处罚记 录等信息。The bank may, for the purpose of risk classification management and based on client due diligence conducted in accordance with relevant provisions, further identify clients, operating conditions, purpose for establishing foreign exchange business relations and the nature of the relations, major affiliates, and the opposite parties to cross-border银行出于风险分类管理目的，在 按照相关规定开展客户尽职调查 的基础上，可以基于客户自愿原 则进一步识别客户经营状况、建 立外汇业务关系的意图和性质、 主要关联企业和跨境交易对手、identitymaterials“meansthematerialsandrecordsrecordingclients*identityinformationandreflectingclientduediligence,riskclassification,orotherrelatedworkcarriedoutbyabank.Transactionrecordsnmeansbusinessvouchersandothermaterialsandrecordsreflectingtheinformationoneachtransactionandtheactualsituationoftransactions.uRiskanalysisanddisposalrecords"meansworkrecordsreflectingthesource,process,andconclusionsofanalysisandidentificationoftransactionsinvolvingrisksconductedbyabank,aswellasinternalreviewanddisposal.of foreign exchange funds, to developing the foreign外汇资金来源和用途等外汇展业 信息。Article 12 Where a client falls under any of the following circumstances, a bank shall re-identify the client and require the client to provide additional supporting materials sufficient to prove its identity or the veracity of transactions:第十二条客户存在下列情 形之一的，银行应当重新识别客 户，要求客户补充提供足以证明 其身份或真实交易的相关证明材 料：(1) The reason for opening an account or establishing foreign exchange business relations is unreasonable.（一）开户或建立外汇业务关系 理由不合理；(2) The processed foreign exchange transaction is inconsistent with the client's identity and business activities.（二）所办理外汇业务与客户身 份及经营行为不相符；(3) There is any other suspicious act.（三）存在其他可疑行为。Article 13 Where a client falls under any of the following circumstances, a bank shall refuse to establish foreign exchange business relations with the client or accept the client's application for developing the foreign exchange business, and make proper explanations to the client:第十三条客户存在下列情 形之一的，银行应当拒绝建立外 汇业务关系或受理外汇业务申 请，并向客户做好解释说明工 作：(1) The client refuses to provide its valid business license and other certificates.（一）拒绝提供机构有效营业执 照等证件；(2) The client refuses to provide valid identity certificate or other identifications of relevant personnel as required.（二）拒绝依照规定提供相关人 员的有效身份证件或其他身份证 明文件；(3) The client provides false identity documents, operation materials, or transaction background materials.（三）提供虚假身份证明资料、 经营资料或业务背景资料；(4) The clients identity and the veracity of the transaction cannot be verified after re-identification in accordance with Article 12.（四）依据第十二条重新识别后 仍无法证实客户身份及交易真 实。A bank that discovers any act specified in Article 28 of these银行在客户尽职调查中发现存在transactions,sourcesandusesandotherinformationrelatedexchangebusiness.本办法第二十八条规定行为的， 应当按要求报送外汇风险交易报 告。Measuresinclientduediligenceshallsubmitareportontransactionsinvolvingforeignexchangerisksasrequired.第十四条银行应当在与客 户关系存续期间持续关注并审查 客户身份、交易以及风险状况。第十五条银行在办理外汇 业务前，应当结合客户尽职调查 所获得的信息以及客户外汇业务 特征，综合考察客户类型、行业 特点、交易类型、交易渠道、经 营历史及状况等实际情况，将客 户至少分为三类不同的外汇合规 风险等级。Article14Abankshallcontinuouslypayattentiontoandexamineaclient'sidentity,transactions,andriskstatusduringtheexistenceofitsrelationshipwiththeclient.the following circumstance a bank may risk level as第十六条对于同时符合下 列条件且不存在本办法第十七条 所列情形的客户，银行可以将其 外汇合规风险等级确定为一类：Article15Abankshall,beforeprocessingforeignexchangetransactionsforclients,classifyclientsintoatleastthreedifferenttypesofforeignexchangecompliancerisklevelsbasedontheinformationobtainedinclientduediligence,thecharacteristicsofclients'foreignexchangetransactions,andacomprehensiveassessmentoftheclient'stype,industrycharacteristics,transactiontype,transactionchannel,historyofoperationsandconditions,andotheractualcircumstances.Article16WhereaclientmeetsallofconditionsanddoesnotfallunderanyspecifiedinArticle17oftheseMeasures,determineitsforeignexchangecomplianceClassI:（一）合法注册，原则上持续办 理跨境业务两年以上，具备真实 外汇业务需求；(1) Itislegallyregistered,andinprinciple,ithasprocessedcross-bordertransactionsonanongoingbasisfortwoormoreyears,andhasauthe