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外汇局规范银行卡境外大额取现 每人每年不得超10万
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Topic: 外汇局规范银行卡境外大额取现 每人每年不得超10万 (Read 69 times)
Kerwiner00
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外汇局规范银行卡境外大额取现 每人每年不得超10万
January 02, 2018, 06:45:08 AM
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从2018年1月1日开始,个人持境内银行卡在境外提取现金,本人名下银行卡合计每个自然年度不得超过等值10万元人民币。超过年度额度的,本年及次年将被暂停持境内银行卡在境外提取现金。
外汇局日前发布《国家外汇管理局关于规范银行卡境外大额提取现金交易的通知》(以下简称《通知》),规范银行卡境外大额提取现金交易,完善跨境反洗钱监管。与此同时,这不改变个人便利化年度5万美元购汇额度,不影响个人正常提取现金和消费,不影响个人用汇便利性。
2003年以来,银行卡在境外提取现金实施额度管理,每卡每年不得超过10万元人民币。但是外汇局有关负责人指出,随着科技进步,当前非现金支付已日益普及和便利。据统计,2016年81%的境内银行卡境外提取现金低于3万元人民币。
国际监管经验显示,大额现金交易往往与诈骗、赌博、洗钱、恐怖融资等违法犯罪活动有关。为此,全球普遍加强大额现金管理。外汇局监测发现,一些个人持大量银行卡在境外大额提取现金,远超正常消费支付需要,涉嫌开展违法犯罪活动。
据此,《通知》明确规定,个人持境内银行卡在境外提取现金,本人名下银行卡(含附属卡)合计每个自然年度不得超过等值10万元人民币。这个水平,既可满足持卡人在境外正常提取现金需求,又可抑制少数违法违规人员大额提取现金。
《通知》同时将人民币卡、外币卡境外提取现金每卡每日额度统一为等值1万元人民币;规定个人持境内银行卡境外提取现金超过年度额度的,本年及次年将被暂停持境内银行卡在境外提取现金;规定个人不得通过借用他人银行卡或出借本人银行卡等方式规避或协助规避境外提取现金管理。
上述负责人指出,《通知》主要是规范银行卡境外大额提取现金,并不改变银行卡外汇管理基本框架和个人用汇政策,个人持卡境外消费不受影响。
目前,银行卡已成为个人出境使用最主要的便利化支付工具,个人出境旅游、商务、留学所涉食、宿、行、购等经常项下交易,均可以使用银行卡支付,且不占用个人便利化年度5万美元购汇额度。若个人确有真实合规的境外大额现金使用需求,可依据《个人外汇管理办法》及其实施细则等相关外汇管理规定办理,如依法购汇后携带外币现钞出境。
上述负责人介绍,年度额度由外汇局汇总各家发卡金融机构数据计算并通过发卡金融机构实施控制。考虑到实时控制会增加交易响应时间从而影响用卡体验,对此外汇局采用延时控制手段。因此,个人在境外提取现金时应合理规划,避免出现超过年度额度提取现金。《通知》也要求发卡金融机构采取有效方式提示发生境外提取现金交易的持卡人注意政策变化,加强政策宣传。
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