 中国邮政银行 中文＋中文 境外个人办理结售汇业务指南     >>>中文版<<<  01 境外个人办理结售汇业务 01 有效身份着装 外国护照、外国人永久居留证、港澳居民来往内陆通行证、台湾居民来往大陆通行证、港澳台居民居住证、中华人民共和国护照（须同时持有出境永久居留证）等。 02 办理渠道 个人外汇业务网点柜台。 办理要求如下： 02 境外个人结汇 01 占用年度便利化额度结汇 境外个人结汇便利化额度为每人每年等值5万美元。 01 本人有效身份证件。 02 个人领取年度便利化额度的外币现钞结汇，当日外币现钞结汇累计金额在等值1万美元以下（含）的，凭本人有效身份证件在银行办理；超过上述金额的，凭本人有效身份证件、凭海关签章的《海关申报单》或原银行外币现钞提取单据在我行办理。 03 境外个人便利化结汇项目适用于支付境内留学、就医、假期开支等经常性项目下业务。 02 不占用年度便利化额度的 经常项目结汇 01 本人有效身份证件和有交易额的结汇资金用途材料。 02 个人未占用年度便利化额度的外币现钞结汇，当日外币现钞结汇金额在等值1万美元以下（含）的，凭本人有效身份证、有交易额的相关材料在我办理。上述金额的，凭本人有效身份证件、有交易额的相关材料、经海关盖章的《海关申报单》或原银行外币现钞提取单据在我办理办理。 03 结汇单笔等值5万美元以上（明确）的，应将结汇所得人民币资金直接划转至交易对方的境内人民币账户。 04 常见办理事项及资金用途材料： 境内房屋租赁支付：房屋管理部门登记的房屋租赁合同；房屋租赁支付的发票或支付通知。 就医疗、学习等支出：境内医院（学校）出具的收费证明。 生活消费类支出结汇：合同或发票。 其它非经营性结汇：相关证明及支付凭证等。 03 境外个人购物汇 （1）境外个人在境内经常取得项目合法人民币收入，凭本人有效身份证和有交易额的购物汇资金来源材料（如税务凭证）在银行办理购物汇。持有外国人永久居民身份证件的境外个人适用购汇年度便利化额度。 （2）境外个人购买汇提钞，当日累计等值1万美元以下（含）的，凭本人有效身份证件和有交易额的证明材料在银行办理。单笔或日累计超过等值1万美元上述（证明）的，凭本人有效身份证件、有交易额的证明材料和经外汇局签章的《提取外币现钞备案表》办理提取外币现钞手续。 （3）境外个人原兑换未用完成的人民币兑换回外汇，凭本人有效身份证件和原兑换水单办理，原兑换水单的兑换回有效为自兑换日起24个月；对于当日累计兑换不超过等值500美元（含）的兑换，可凭本人有效身份证件办理。 （4）在华工作境外人士在办理合法税务收入购汇时，我行对客户税务真实合法的情况进行确认，在近距离内对客户重新办理该业务可免于审核重复性材料。 在华工作境外个人薪资购汇提供证明材料包括：工资或劳务合同；税务发票；工资清单或流水；身份证明材料等。劳动合同或其他证明材料发生变化，需向银行重新提交。 04 外币兑换 （1）客户凭本人有效身份证件办理外币兑换业务。 （2）当日累计等值1万美元（法定）以上的外币现钞业务，存入外币现钞还需凭海关签章的《海关申报单》或原银行外币现钞提取单据办理，外币现钞还需凭外汇局签章的《提取外币现钞备案表》办理。 05 委托办理要求 （1）年度便利化额度内结汇和购汇 若特殊情况无法前往网点柜台，可委托近亲属办理时需提供委托人和受托人的有效身份证件及近亲属关系说明材料。 （2）不便利占额化的结汇和购汇 可委托他人（含近亲属）代办，办理时需提供委托人受托人的有效身份证件、委托书及有交易额的相关材料等。 近代办均需提供委托书。 近亲，指婚姻、父母、子女、兄弟姐妹、祖父母、外祖、孙子女、外孙父母。近亲关系说明材料包括户口本、结婚证、出生证明等。确实无法提供近亲关系说明材料的，可以用近亲属关系承诺函替代。 对于交易真实性、合规性存疑的，我行按照展业原则对近亲属进行必要的核实。承诺函应包括但不限于以下要素：承诺人身份信息、近亲属关系信息、承诺事项不属实的相关追责条款。 委托书应登记受托人的姓名或者联系方式、身份证件或者身份证明文件的种类、号码，以及委托事项、权限和期限并由委托人签名等内容。 邮储银行积极落实个人经常性外汇业务便利化政策要求，持续完善个人外汇产品和服务，为客户提供更加便捷、安心的个人跨境金融服务。如在办理业务时有任何疑问，可拨打客服热线95580进行咨询。 >>>中文版<<< 01 境外个人结售汇业务 01 文件 外国人办理结售汇业务的有效身份证件应包括：外国人护照、外国人永久居民身份证、港澳居民来往内陆通行证、台湾居民来往大陆通行证、香港、澳门、台湾居民居住证、中华人民共和国护照（并附有外国永久居留证）等 02 渠道 邮储银行营业网点柜台办理个人外汇业务。 要求： 02 售汇 由外国个人 01 售汇使用 年度便利配额 境外个人每年售汇便利额度为等值5万美元。 01 个人有效身份证件。 02 个人使用年度便利额度出售外币现钞且每日总额不超过等值1万美元的，应持本人有效身份证件到邮储银行柜台办理交易；否则，应持本人有效身份证件和经海关签字盖章的《报关单》或原存款银行的外币现金支取凭条到邮储银行柜台办理交易。 03 外国人个人年度售汇便利额度适用于在境内支付学费、医疗费、房租等经常项目。 02 下的售汇 未使用的往来账户 年度便利配额 01 Valid identity documents of the individual and the materials that bear a trading fee and prove the use of the proceeds from foreign exchange sales. 02 If an individual don't use the annual facilitation quota for the sale of foreign currency cash and the daily total amount does not exceed USD10,000 or equivalent, the individual shall handle the transaction at the counter of the PSBC with his/her valid identity documents、the materials that bear a trading fee; otherwise, he/she shall handle the transaction at the counter of the PSBC with his/her valid identity documents 、the materials that bear a trading fee along with the Customs Declaration Form signed and sealed by the customs office or the foreign currency cash withdrawal slip from the original deposit bank. 03 For a single foreign exchange sale exceeding USD50,000 or equivalent, the RMB proceeds from the sale shall be directly transferred to the RMB account of the counterparty in China. 04 Common business items and materials to prove the use of proceeds: Payment for house rents in China: The house rental agreement registered with the householder; the invoice or payment notice for rent payment. Medical expenses or tuition: Fee certificates issued by medical institutions in China. Foreign exchange sale for living consumption expenses:Expenses contracts or invoices. Another non-operating foreign exchange sale: relevant certificate and payment voucher, etc. 03 Foreign exchange purchases by foreign individuals (1)For the legal RMB income under the current account earned by a foreign individual in China, the individual shall conduct foreign exchange purchase with PSBC with his/her valid identity documents and materials that bear a trading fee and prove the source of funds for foreign exchange purchase (eg. a tax certificate). A foreign individual with a Foreign Permanent Resident ID Card shall be subject to the annual facilitation quota for foreign exchange purchases. (2) If an individual don't use the annual facilitation quota for the purchase of foreign currency cash and the daily total amount does not exceed USD10,000 or equivalent, the individual shall handle the transaction at the counter of the PSBC with his/her valid identity documents、the materials that bear a trading fee; otherwise, he/she shall handle the transaction at the counter of the PSBC with his/her valid identity documents 、the materials that bear a trading fee along with the Certificate for Filing of Foreign Currency Cash Withdrawal signed and sealed by the SAFE for foreign currency cash withdrawals. （3）If a foreign individual intends to exchange unused RMB back to foreign currencies, he/she shall conduct the business with his/her valid identity documents and the original exchange memo. For currency buyback services, the original exchange memo shall be valid for 24 months from the date of the original exchange. A foreign individual may conduct exchange business with a daily total amount not exceeding USD500 or equivalent with his/her valid identity documents. (4) When a foreign individual working in China intends to purchase foreign exchange with his/her legal remuneration, PSBC will confirm the authenticity and legality of the remuneration. If the individual handles similar transactions within the validity of the contract, PSBC will not verify the same materials. Supporting materials for a foreign individual working in China to purchase foreign exchange with his/her personal remuneration include the employment contract or labor contract, tax certificate, salary breakup or statement, and identity documents. In case of any change in the labor contract or other supporting materials, new supporting materials shall be submitted to PSBC. 04 Foreign currency exchange (1)An individual shall handle foreign currency exchange business with his/her valid identity documents. (2) For foreign currency exchange business with a daily total amount exceeding USD10,000 or equivalent, the customer shall provide the Customs Declaration Form signed and sealed by the customs office or the foreign currency cash withdrawal slip from the original deposit bank for foreign currency cash deposits, and provide the Certificate for Filing of Foreign Currency Cash Withdrawal signed and sealed by the SAFE for foreign currency cash withdrawals. 05 Requirements for entrusted business transactions （1）Foreign exchange sale and purchase using the annual facilitation quotas: If a foreign individual is unable to visit the outlet in person for special reasons, they may entrust a close relative to conduct business on their behalf. In such cases, the valid identity documents of both the entrustor and entrustee, as well as materials proving their close relationship, must be provided for business transactions. （2）Foreign exchange sales and purchases without using the annual facilitation quota: The business transactions can be entrusted to another person (including a close relative). In such case, the valid identity documents of both the instructor and trustee, the entrustment letter, and the materials bearing a trading price shall be provided. If the business transaction is entrusted to a close relative, the entrustment letter is not required. Close relatives include spouses, parents, children, brothers and sisters, grandparents, maternal grandparents, grandchildren and maternal grandchildren. Materials to prove close relative relationships include household registers, marriage certificates, birth certificates, etc. If there are no proof materials available to establish a close relative relationship, a commitment letter regarding the relationship can be used instead. In case of any doubt about the authenticity or compliance of the business transactions, PSBC will verify the close relative relationship in accordance with the business development principles. The commitment letter shall include but not be limited to the identity information of the person making the commitment, a description of the close relative relationship, and the accountability clause for inauthentic commitments. 委托书应当载明受托人的姓名或者名称、联系方式，身份证明或者文件的种类、号码，委托范围、权限、期限，委托人签名。 邮储银行致力于落实便利个人经常项目外汇业务的政策要求。我们努力不断完善个人外汇产品和服务，为客户提供更便捷、更安全的个人跨境金融服务。如果您对办理业务有任何疑问，请拨打我们的客户服务热线95580。 |
|
|
