《外幣代兌機構管理暫行辦法》意在為規範外幣代兌機構經營外幣兌換業務行為，維護市場秩序，根據《中華人民共和國中國人民銀行法》、《中華人民共和國外匯管理條例》、《結匯、售匯及付匯管理規定》及《外匯指定銀行辦理結匯、售匯業務管理暫行辦法》等有關規定，制定本辦法。
基本介紹
- 中文名：外幣代兌機構管理暫行辦法
- 頒布時間：二○○三年十月八日
- 部門：中國人民銀行
- 屬性：管理條例
銀行令,機構管理,機構管理英文,
銀行令
〔2003〕第 6 號
行 長 周小川
二○○三年十月八日
機構管理
第一條 為規範外幣代兌機構經營外幣兌換業務行為，維護市場秩序，根據《中華人民共和國中國人民銀行法》、《中華人民共和國外匯管理條例》、《結匯、售匯及付匯管理規定》及《外匯指定銀行辦理結匯、售匯業務管理暫行辦法》等有關規定，制定本辦法。
第二條 本辦法所稱外幣代兌機構，是指與具有外幣兌換（或結售匯）業務經營資格的境內商業銀行及其分支行（以下簡稱銀行）簽訂協定，經銀行授權辦理外幣兌換業務的境內企業法人機構（以下簡稱代兌機構）。
第三條 外幣代兌機構辦理的外幣兌換業務的品種限於可自由兌換貨幣的現鈔及旅行支票。
外幣代兌機構辦理外幣兌換業務限於境內居民個人及非居民個人用外幣和外幣旅行支票兌換人民幣的單方面兌換業務。
非居民個人若將在外幣代兌機構兌換所得的人民幣兌回外幣，需到為其辦理外幣兌換業務的代兌機構的授權銀行辦理，兌回金額不得超過原兌換的外幣金額。兌回有效期為自兌換之日起6個月內。
居民個人不得辦理兌回業務。
第四條 國家外匯管理局及其分支機構依法對銀行授權的外幣代兌機構的外幣兌換業務進行監督、管理。
第五條 銀行總行需制定統一的系統內部委託辦理外幣兌換業務的管理制度及風險控制制度。
授權銀行需根據總行的管理制度及風險控制制度制定管理規定及操作規程，內容應當包括：外幣代兌機構的外幣兌換牌價管理、代兌業務的結算管理、外幣兌換水單的領用、使用、作廢、核對等管理、因兌換而產生的虧損的風險控制及責任分擔、糾紛處理管理、辦理兌換業務的幣種管理、人民幣和外幣庫存限額管理、代兌人員管理等。
第六條 銀行授權代兌機構辦理外幣兌換業務，必須與代兌機構簽訂授權辦理外幣兌換業務的書面協定，明確雙方的權利義務以及糾紛處理原則，並向國家外匯管理局當地分支機構備案。
書面協定應包括本辦法第五條規定的管理規定及操作規程的主要內容。
在備案確認前，代兌機構不得辦理外幣兌換業務。
第七條 授權銀行辦理備案手續需報送以下材料：
（一）總行制定的統一的系統內部委託辦理外幣兌換業務的管理制度及風險控制制度；
（二）授權代兌機構辦理外幣兌換業務申請書；
（三）代兌機構的基本情況說明；
（四）授權辦理外幣兌換業務管理規定；
（五）已簽訂的授權辦理外幣兌換業務的書面協定；
（六）外幣代兌機構結匯水單和業務用章樣本；
（七）國家外匯管理局及其分支機構要求的其他材料。
國家外匯管理局當地分支機構應當在收到上述材料之日起30日內給予確認或不予確認復函，如不予確認，需在復函中說明不予確認原因。
授權銀行如獲國家外匯管理局當地分支機構不予確認的復函，自收到復函之日起半年內不得再次提出同樣內容的備案申請。
第八條 代兌機構辦理外幣兌換的業務場所，原則上須地處人流稠密的口岸、機場、車站、碼頭、旅遊點、邊境口岸地區、主要商業區、涉外賓館酒店等。
第九條 代兌機構辦理外幣兌換業務，應當具備以下條件：
（一）有境內企業法人資格；
（二）有固定的營業場所；
（三）不少於2名經授權銀行培訓合格的從事外幣兌換業務的工作人員；
（四）具備能夠準確、及時接收授權銀行外幣兌換牌價的設備或相應設施；
（五）授權銀行要求的其他條件。
第十條 代兌機構只能與同城的一家銀行簽訂授權辦理外幣兌換業務協定，不得與多家銀行或異地的銀行簽訂授權辦理外幣兌換業務協定辦理外幣兌換業務。
代兌機構可以與簽約銀行協定約定設定多家外幣兌換業務經營場所。
第十一條 銀行終止與代兌機構的授權辦理外幣兌換業務協定，應在協定終止後10日內向國家外匯管理局當地分支機構備案。
第十二條 外幣代兌機構實行掛牌經營。辦理外幣兌換業務時，必須在其營業場所的顯著位置懸掛“××銀行（授權銀行名稱）外幣代兌機構”銘牌。銘牌樣式由授權銀行負責規範。
第十三條 外幣代兌機構應當按照授權銀行制定的外幣兌換牌價管理規定辦理外幣兌換業務，並在其營業場所的顯著位置公布外幣兌換牌價。
第十四條 外幣代兌機構的外幣兌換業務需單獨核算。
第十五條 外幣代兌機構辦理外幣兌換業務必須使用外幣兌換水單，不得以其他單證代替外幣兌換水單。
外幣兌換水單由授權銀行負責提供並管理。
外幣兌換水單需記載以下內容，內容應包括但不限於以下內容：客戶姓名、客戶國籍、證件種類及號碼、兌換日期、外幣幣種、外幣和人民幣金額、外匯牌價等。
外幣代兌機構留存的外幣兌換水單應當經客戶簽名和經辦人員蓋章確認。
外幣代兌機構使用外幣兌換水單應當套寫，一式不得少於三聯，一聯交客戶留存，一聯送授權銀行留存，一聯由外幣代兌機構留存做賬使用。
授權銀行和外幣代兌機構須保留外幣兌換水單5年備查。
外幣代兌機構在辦理境內居民個人外幣兌換人民幣業務時，應在外幣兌換水單上加注“不得辦理兌回業務”字樣。
第十六條 外幣代兌機構應當遵守授權銀行制定的收兌外幣的保管、上繳、庫存限額的管理制度。
外幣代兌機構辦理外幣兌換業務的外幣庫存限額，由其授權銀行核定，原則上在每個營業日終了時不得超過等值1萬美元。
第十七條 授權銀行負責對外幣代兌機構的從業人員進行業務培訓。
外幣代兌機構的從業人員必須具備以下條件：
（一）鑑別外幣現鈔和外幣旅行支票的能力；
（二）相應的外匯管理法規知識；
（三）授權銀行內控制度要求具備的其他能力。
第十八條 授權銀行應當按照《國際收支統計申報辦法》及有關規定、銀行結售匯有關統計報告制度，將與其授權的外幣代兌機構辦理的兌換業務內容合併報送，履行統計申報義務。
第十九條 授權銀行應當監督外幣代兌機構按雙方簽訂的業務協定辦理外幣兌換業務,發現外幣代兌機構未按規定使用外幣兌換水單、違反外幣兌換牌價管理規定及其他違反國家外匯管理法規行為的，應當及時糾正並向國家外匯管理局當地分支機構報告。
第二十條 授權銀行和外幣代兌機構有以下行為之一的，由國家外匯管理局當地分支機構進行處罰：
（一）未將外幣代兌機構辦理外幣兌換業務的有關資料送國家外匯管理局當地分支機構備案，外幣代兌機構開辦外幣兌換業務的，由國家外匯管理局當地分支機構按照《中華人民共和國外匯管理條例》第四十一條的規定對授權銀行和外幣代兌機構進行處罰。
（二）違反匯率管理規定製定外幣兌換牌價的，由國家外匯管理局當地分支機構按照《中華人民共和國外匯管理條例》第四十三條的規定進行處罰。
（三）授權銀行未按照規定監督外幣代兌機構使用外幣兌換水單辦理外幣兌換業務的，由國家外匯管理局當地分支機構按照《中華人民共和國外匯管理條例》第四十二條和《外匯指定銀行辦理結匯、售匯業務管理暫行辦法》第四十條的規定對授權銀行進行處罰。
（四）授權銀行和外幣代兌機構有其他違反外匯管理規定的行為的，由國家外匯管理局當地分支機構按照有關規定處罰。
第二十一條 本辦法施行前設立的外幣代兌機構，應當在本辦法施行之日起兩個月內，由其授權銀行按本辦法規定的要求向國家外匯管理局當地分支機構補辦備案手續。
第二十二條 本辦法自2003年11月1日起施行。
機構管理英文
Article 1 in order to regulate theforeign currency exchangeinstitutions operatingforeign exchange businessbehavior,maintain the market order,according to"people's Republic of ChinaLaw of the people's Bank ofChina","the people's Republic of Chinaon the administration of foreign exchange","settlement,sale and payment of foreignmanagement Regulations"and"banks designated to handle foreign exchange businessesfor settlement,settlementbusiness management Interim Measures"wait for concerned regulation,make this way.
The second term of theforeign currency exchange agency,refers towithforeign currency exchange(orsettlement)the qualification for operating the business ofdomestic commercial banksand theirbranches(hereinafter referred to as thebank)signed an agreementwiththe bank,the authorization of foreign currency exchange businessincorporateinstitutions(hereinafter referred to asexchange agency).
Thirdforeignexchange agenciesof foreign currency exchange businessspecies is confined to theconvertible currencycashand traveler's checks.
Foreign currency exchange agencyof foreign currency exchange businesslimited todomestic individual residentandnon-resident individualswithforeign currencyand Foreign CurrencyTraveler's chequeRMBunilateralexchange business.
Non residentindividualifinforeign currency exchangemechanismfortherenminbiinto foreign currency,needto handle theforeign exchangebusinessof exchange agenciesauthorizedbanks,back against theamount shall not exceed theoriginal exchangeforeign currencyamount.Back against thevalid forexchangewithin 6 months from the date of.
Residentindividual may handleback against thebusiness.
Article fourththe State Administration of foreign exchangeand its branchesshallbank-authorized exchangemechanism inforeign currency exchange businesssupervision,management.
Fifthbank of Chinaneed to establish unifiedsystemfor authorization of foreign currency exchange businessmanagement system and risk controlsystem.
According totheauthorizedbankhead officemanagement system and risk controlsystem to makemanagementrules andoperating procedures,the content should include:the foreign currency exchangeforeign currencyexchange ratemanagementmechanism,exchangesettlementmanagement,foreign currencyexchange memocollar with the,use,void,verification andmanagement,forexchangeand losses inrisk controlandresponsibility,disputeprocessing management,businessmanagement,to exchangethe currencyof RMB and foreign currencyinventoryquota management,exchangeof personnel management.
Article sixththe bankauthorizedexchange agencyof foreign currency exchange business,mustandexchange agencysigned theauthorization of foreign currency exchangebusiness writtenagreement,clearlythe rights and obligations of both partiesand disputeprocessingprinciples,and to theState Administration of foreign exchange,the localbranchregistration.A written agreement should includethe fifth article of this regulationmanagementrules and operational proceduresof themain content.On thearchival filing confirmation,exchange agencyshall handleforeign exchange business.
Article seventhauthorizing the bank tohandle the archival filing formalitiesrequired tosubmit the following materials:
(a)head officeto develop a unifiedsystemfor authorization of foreign currency exchange businessmanagement system and risk controlsystem;
(two)authorizedthe exchange agenciesin foreign currency exchange businessapplication;
(three)thebasic conditionsof exchange agencies;
(four)authorized to handleforeign exchangebusiness management provisions;
(five)signedthe authorization of foreign currency exchange businesswritten agreement;
(six)the foreign currency exchange agencysettlement voucherand businesswith thesample;
(seven)the State Administration of foreign exchangeand its branchesfor the other materials.
State Administration of foreign exchange,the localbranchesshould be in receipt ofthematerials within 30 days from the dategiven to confirmornotaffirmative reply,ifnot recognisedinreply,thatdoes not confirmthe reason.Authorizedbythe State Administration of foreign exchangebanks such aslocalbranchesnot confirmreceipt ofthe reply,replydate of six monthsshall not submitthe same contentapplications.
Article eighththe exchange agenciesin foreign currency exchangebusinessestablishments,in principlemust belocated indenseport,airport,passengerstation,wharf,tourist spots,borderarea,the main business district,foreign-relatedGaestgiveriet Hotel.
Article ninththe exchange agenciesin foreign currency exchange business,shall meet the following conditions:
(a)adomestic enterpriselegal person qualification;
(two)having a fixed business place;
(three)no less than2authorizedbank trainingqualifiedto engage inforeign currency exchange businessstaff;
(four)capable ofaccurate,timelyreceivingthe authorized bankforeign currencyexchange rateof theequipment and related facilities;
(five)other conditions required by the authorizing bank.
Article tenthan exchange agencyonlyandwitha banksigned theauthorization of foreign currency exchangebusiness agreement,notwith a number of banksorstrange land banksigned theauthorization of foreign currency exchangebusiness agreementfor foreign currencyexchange business.
Exchange agencyandagreed upon by the authorizing bankmultiple business venues for foreign currency exchange.
The eleventhbanks to stopandexchange agenciesauthorized to handleforeign exchange businessshall beinagreement,within 10 days after thetermination ofthe State Administration of foreign exchangefor the recordin localbranches.
Article twelfththe foreign currency exchange agencyimpositionmanagement.Foreign currency exchange business,must be in itsbusiness placeprominent place suspension"XXbank(authorizedbank name)the foreign currency exchange agency"nameplate.Nameplatestyle byauthorized bankis responsible for the standard.
Article thirteenththe foreign currency exchange agencyshall be in accordance with theauthorizedbankforeign currencyexchange rateprovisions on Administration offoreign currency exchange business,and in itsplace of businessofforeign currency exchangerateannouncedsignificantposition.
Article fourteenththe foreign currency exchange agencyof the foreign currency exchange businessalonebusiness accounting.
Article fifteenththe foreign currency exchange agencyof foreign currency exchange businessmustuse foreign currencyexchange memo,not toother documentsinstead offoreign currencyexchange memo.Foreign currencyexchange memoby authorizedbankis responsible for providingand managing.
Foreign currencyexchange memotothe following contents,includingbut not limited to the following contents:client name,nationality,customeridentification type and number,date,currencyexchange,foreign currency andRenminbiforeign exchange rate,etc..
Foreign currency exchange agencyretainedforeign exchangereceiptsshall be signed by the customerand thestaff handlingstamped confirmation.Foreign currency exchange agencyto use foreign currencyexchange memoshould besetinwriting,shall not be less thantriple,astock exchangecustomers retained,ajointto authorizedbanksretained,acoupletfromthe foreign currency exchange agencyretainedaccount touse.Authorizedbank and the foreign currency exchangeagency shall keepthe foreign exchangereceiptsfor 5 years for reference.
Foreign currency exchange agencyfordomestic individual residentforeign currencyrenminbi business,should be in theforeign currency exchangememonote "shall not be allowedback against thebusiness".
Article sixteenththe foreign currency exchangeagency shall comply with theauthorizedbank to make theredemptioncurrencydeposit,turn over to the higher authorities,stockquotamanagement system.
Foreign currency exchange agencyof foreign currency exchange businessof foreign currencyinventory limits,by its authorizedbank approved,in principleat the end ofeachbusiness dayshall not exceedthe equivalent of 10000 US dollars.
Article seventeenththe authorized bankforforeign currency exchange agencypersonneltraining.
Foreign currency exchange agencypractitioners mustmeet the following conditions:
(a)the differentialforeign currencyandForeign Currency Traveler's ability;
(two)corresponding to theforeign exchangemanagementregulationsof knowledge;
(three)the authorized bankinternal control system ofother capabilities required by the.
Article eighteenthauthorized banksshall be in accordance with the"statistical declaration of international revenue and expenditureapproach"and related regulations,bank settlement andrelated statisticalreporting system,withauthorizationof foreign currencyexchange businessexchange agencieson a consolidated basis,performingstatisticalreporting obligations.
Article nineteenthauthorized banksshall supervisethe foreign currency exchangemechanism according tothe two sides signed theagreement of the businessof foreign currency exchange business,foundthe foreign currency exchange agencyfails to follow the provisions to useforeign currencyexchange memo,in violation offoreign exchangeratemanagement regulations andother violations of stateregulations on the administration of foreign exchangefor,should be correctedto the State Administration of foreign exchangeandlocal branchreport.
Article twentiethauthorized banksandforeign currency exchange agencyhas any of the following acts,by theState Administration of foreign exchange,the localbranches of thepunishment:
(a)theforeign currency exchange agencyof foreign currency exchangebusinesssend the relevant data tothe local branch ofthe State Administration of foreign exchangefor the record,the foreign currency exchange agencyforforeign currency exchange business,by the State Administration of foreign exchangein accordance withlocalbranches"people's Republic of China foreign exchangemanagementregulations,"the provisions of article forty-first ofthe authorizing bankand foreign currencythe exchange agenciesfor punishment.
(two)in violation ofprovisions offoreign currencyexchange rateexchange rate management,by the State Administration of foreign exchangein accordance with the"local branch ofthe people's Republic of Chinaon the administration of foreign exchange"the provisions of article forty-thirdof punishment.
(three)the authorized bankfails tosupervisethe foreign currency exchangemechanismto use foreign currencyexchange memofor foreign currencyexchange business,by the State Administration of foreign exchangein accordance with the"local branch ofthe people's Republic of Chinaon the administration of foreign exchange"forty-secondand"designated foreign exchange bankfor settlement,settlementbusiness management Interim Measures"the provisions of article fortieth ofthe authorizing bankbe punished.
(four)authorized thebank and the foreign currency exchangewithotherinstitutionsin violation of foreign exchange controlprovisions of the act,by theState Administration of foreign exchange,the localbranch officesin accordance with the relevant provisions ofpunishment.
This the twenty-first methodestablished prior to the implementation ofthe foreign currency exchangemechanisminthe implementation of the present Measuresshall,within two months from the date ofits authorizedbanks,according to theprovisions of therequirementsto the State Administration of foreign exchangeof local branch ofcompleteformalities.
Article twenty-secondthe presentMeasures shall be implemented as of November 1, 2003.
