| | |
Notice of the State Administration of Foreign Exchange on Issues concerning Improving the Foreign Exchange Administration of Trade Financing Business of Banks | | 国家外汇管理局关于完善银行贸易融资业务外汇管理有关问题的通知 |
| (No. 44 [2013] of the State Administration of Foreign Exchange) | | （汇发[2013]44号） |
| The branches and foreign exchange administrative departments of the State Administration of Foreign Exchange (“SAFE”) in all provinces, autonomous regions, and municipalities directly under the Central Government; the SAFE branches in Shenzhen, Dalian, Qingdao, Xiamen, and Ningbo; and all designated Chinese-funded foreign exchange banks: | | 国家外汇管理局各省、自治区、直辖市分局、外汇管理部，深圳、大连、青岛、厦门、宁波市分局，各中资外汇指定银行： |
| To increase the financial support for the real economy, support the normal business operations of law-abiding enterprises, and prevent risks in foreign exchange receipts and payments, you are hereby notified of the following issues concerning improving the foreign exchange administration of trade financing business of banks: | | 为加大金融支持实体经济力度，支持守法合规企业正常经营，防范外汇收支风险，现就完善银行贸易融资业务外汇管理有关问题通知如下： |
| I. Veracity and legality of receipts and payments under trade of enterprises | | 一、企业贸易收支应当真实、合法 |
| The receipts and payments under trade (including transit trade, here and below) of enterprises shall be based on true and lawful imports and exports or production and other business transactions, and enterprises shall not fabricate trade backgrounds to conduct cross-border receipts and payments through bank credit. | | 企业的贸易（含转口贸易，下同）收付款应当具有真实、合法的进出口或生产经营交易基础，不得虚构贸易背景利用银行信用办理跨境收支业务。 |
| II. Improved review of veracity and compliance of trade financing by banks | | 二、银行应完善贸易融资真实性、合规性审查 |
| Banks shall, under the principle of “know your clients,” effectively perform their duties of reviewing the veracity and compliance of trade financing, actively support the true trade financing demands of the real economy, and prevent enterprises from fabricating trade backgrounds to obtain bank financing. | | 银行应当遵循“了解你的客户”原则，切实履行贸易融资真实性、合规性审查职责，积极支持实体经济真实贸易融资需求，防止企业虚构贸易背景套取银行融资。 |
| 1. Where an enterprise applies to a bank for trade financing under cross-border transactions by letter of credit, collection or any other means, the bank shall, based on the enterprise's production and other operations, financial status, and products and market, among others, confirm the veracity and compliance of trade backgrounds, and check whether the amount and maturity of trade financing match the trade backgrounds. | | （一）对于企业向银行申请以信用证、托收等方式办理跨境交易项下贸易融资业务的，银行应当根据企业生产经营、财务状况、产品和市场等情况，确认相关贸易背景的真实性、合规性，核实贸易融资金额、期限与相应贸易背景是否匹配。 |
| 2. For usance L/C (more than 90 days, including sight L/C extension or any other trade financing where the cumulative period is more than 90 days, here and below) trade financing, whether a bank has received a deposit in full amount or at a high rate, the bank shall, based on its knowledge of clients, conduct review more carefully under the following circumstances. If the bank has any doubt on the veracity or compliance of the trade finance, it shall require the enterprise to provide the relevant trade contracts and the original documents on ownership of goods to effectively identify financing with fabricated trade backgrounds. | | （二）对于远期（90天以上，包括即期业务展期或叙作其他贸易融资累计期限超过90天，不含90天，下同）贸易融资业务，无论银行是否收取足额或高比例保证金，只要存在以下情况之一的，银行应当基于对客户的了解，加大审查力度；银行如对业务真实性、合规性存有疑问，应当要求企业提供交易相关合同与正本货权凭证，以有效甄别虚构贸易背景的融资行为。 |
| (1) The financing is characterized by high frequency, large scale, relative concentration of counterparties, affiliated counterparties, or significant currency mismatch between foreign exchange and RMB receipts and payments under trade, among others. | | 1.融资业务具有频率高、规模大、交易对手相对集中或为关联企业、贸易收支中外汇与人民币币种错配较为突出等特点； |
(2) The corresponding goods of financing are characterized by high goods value or high added value from production, small size for easy transport, or easy packaging and storage for standardization, among others.
．．．．．． | | 2.融资对应商品具有（但不限于）自身价值高或生产的附加值高、体积小易于运输或者包装存储易于标准化等特点；
．．．．．． |
|
Dear visitor, as a premium member of this database, you will get complete access to all content.Please go premium and get more.
1. To become a premium member, please call 400-810-8266 Ext. 171.
2. Binding to the account with access to this database.
3. Apply for a trial account.
4. To get instant access to a document, you can Pay Amount 【￥200.00】 for your single purchase. | |
您好：您现在要进入的是北大法宝英文库会员专区。
如您是我们英文用户可直接 登录，进入会员专区查询您所需要的信息；如您还不是我们 的英文用户；您可通过网上支付进行单篇购买，支付成功后即可立即查看本篇内容。
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail:info@chinalawinfo.com
|
| | | |
| | | |