央行跨境人民币FDI新规英文版

中国央行跨境融资新规解读央行近日下发《关于全口径跨境融资宏观审慎管理有关事宜的通知》(下称通知)，松绑企业跨境融资，扩大企业的跨境融资杠杆率，扩流入再进一步。

对于通知下发的目的，央行表示，为进一步扩大企业和金融机构跨境融资空间，便利境内机构充分利用境外低成本资金，降低实体经济融资成本。

近日，人民银行发布《中国人民银行关于全口径跨境融资宏观审慎管理有关事宜的通知》(银发[2017]9号，以下简称9号文)。

相较于去年人民银行陆续发布的《中国人民银行关于扩大全口径跨境融资宏观审慎管理试点的通知》(银发[2016]18号，以下简称18号文)、《中国人民银行关于在全国范围内实施全口径跨境融资宏观审慎管理的通知》(银发[2016]132号，以下简称132号文)，在监管持续扩流入政策导向下，9号文对企业和银行的跨境融资政策进一步放松。

在新政策下，我行跨境融资额度会更充裕，海外直贷、内保外贷、NRA相关业务、国际信用证、代理同业开证、海外代付、跨境同业代付等各项跨境业务均出现重大机遇。

一、政策要点1、不仅是人民币，企业和银行的外币贸易融资也不计入跨境融资风险加权余额;2、不仅是人民币，境外主体存放在我行的外币存款(NRA外币存款)也不计入跨境融资风险加权余额;3、内保外贷按照20%纳入银行跨境融资风险加权余额计算，该业务的跨境融资指标占用缩小5倍。

4、境内企业的跨境融资额度上限从1倍净资产，扩大为2倍净资产;5、境内银行向境外同业拆借资金不计入银行跨境融资风险加权余额;6、外国银行境内分行纳入全口径跨境融资宏观审慎管理。

二、业务策略1、预计今年境内企业的融资重心将由境内逐步向境外转移，应对有相关需求的企业做好政策解读，加大海外直贷业务营销力度。

2、运用9号文政策优势，以及我行存款价格优势，积极营销NRA客户及相关业务，如NRA存款质押融资业务、NRA账户融资、NRA跨境结算等。

3、进一步营销内保外贷、国际信用证、代理同业开证、海外代付、跨境同业代付等业务。

中国人民银行关于简化跨境人民币业务流程和完善有关政策的通知People's Bank of China on the simplification of cross-border RMB business processesAnd improve relevant policies noticeChina PBOC Shanghai headquarters, branches, business management department, the provincial capital (capital) city center branch, sub-provincial city center branch, the National Development Bank, the policy banks, state-owned commercial banks, joint-stock commercial banks, China Postal Savings Bank:To further improve the efficiency of cross-border RMB settlement, convenient banking financial institutions (hereinafter referred to as banks) and businesses to use the RMB cross-border settlement, is now on simplifying cross-border renminbi business processes and improve relevant policies and other matters are notified as follows:I, on the regular cross-border RMB settlement business under(A) Domestic banks can 'know your customer', 'know your business,' 'due diligence' on the basis of three principles, with companies (export goods trade, the RMB settlement business enterprises within the list of key regulatory exception) submitted business cross-border RMB settlement certificate or << / receive payment instructions >> directly for cross-border settlement.(Two) companies often under the RMB settlement to be automatically recorded, and its handling of domestic banks can be accounted for, and then to verify the authenticity of the relevant trade.(Three) to encourage domestic banks to carry out cross-border RMB trade finance business. Domestic banks can carry out cross-border RMB trade finance cross-border transfer of business assets.(Four) export goods trade, the RMB settlement business key regulatory list of enterprises for cross-border RMB settlement under regular business, domestic banks should << People's Bank of China Ministry of Commerce Office of the General Office of the Ministry of Finance Customs Office State Administration of Taxation, China Banking Regulatory Commission Office of the General Office of export goods trade inRMB clearing business letter a list of key regulatory >> (Silver Letter Office (2012) 381) established the principle of strict audit the authenticity of conducting business. People's Bank branches may be registered in the region's exports of goods trade, the RMB settlement business key regulatory lists sent to the bank's internal use within the jurisdiction.Second, on the bank card account cross-border RMB clearing business(A) bank card account transactions RMB cross-border interbank clearing operations should be established in the territory of RMB business qualification with a bank card clearing organization (hereinafter referred to as domestic bank card clearing agencies), through offshore RMB Clearing Bank or domestic agent banking channels handle.(Two) in use outside the territory of bank cards issued by banks or withdraw cash in RMB account after consumption, domestic issuing bank shall be RMB clearing organizations and domestic bank card clearing, clearing organizations within the bank card in RMB or foreign currency and foreign acquirers liquidated.(Three) in the territory of using bank cards issued by foreign banks RMB account of consumption or extraction RMB cash, the domestic acquirers be denominated and domestic settlement bank card clearing agencies, domestic bank card settlement in RMB and foreign institutions should issuing bank liquidated.(Four) bank card account cross border RMB settlement of cross-border RMB business involves the payment information from the territory of the bank card clearing organization through its territory to the RMB cross-border settlement bank unified information management system for payment submitted.(Five) Cross-border RMB clearing bank card business according to the above provisions, People's Bank of China announcement (2003) Article No. 16, People's Bank of China announcement (2004) Article No. 8, << China People's Bank of China on the mainland Bank and Hong Kong and Macau bank for personal RMB business issues related to notice >> (YF (2004) 254) the third, fourth, seventeen on the liquidation of personal RMB bank cards with the relevant provisions are not executed.Third, on the territory of non-financial institutions RMB offshore lending business(A) Domestic non-bank financial institution may apply to the domestic offshore RMB settlement business lending. Equity relationship with a parent or ultimate holding by the same and by the exercise of a member institution regional headquarters or domestic investment management functions non-financial institutions can the use of RMB funds pool mode to domestic banks for lending outside the pool of funds to carry out RMB settlement business.(Two) Domestic banks should carefully examine the domestic non-financial institutions RMB offshore lending operations submitted application materials, its handling of cross-border RMB settlement business.(Three) to conduct RMB business in domestic and offshore lending by non-financial institutions should follow << RMB bank settlement account management approach >> (Chinese People's Bank of China Decree (2003) No. 5 release) and other bank settlement account management regulations apply to domestic banks to open Li yuan special deposit accounts specifically for renminbi offshore lending.(Four) domestic non-financial institutions to offshore lending interest rate, term and use from both lenders and borrowers in accordance with commercial principles, within reasonable limits negotiated.(Five) RMB offshore renminbi lending loans must be approved by special deposit accounts denominated in Renminbi recovery and return shall not exceed the amount of principal and interest on loans, domestic income, fees and other reasonable income.(Six) Banks should conscientiously fulfill the duties of the information submitted, timely and accurate information to the management system for RMB cross-border payment submitted RMB cross-border payment information, cross-border credit financing business and other relevant information. Guarantee that involve cross-border RMB business, need to submit the RMB cross-border warranty.Fourth, on the territory of non-financial institutions to issue renminbi bonds offshore(A) Domestic non-financial institutions, according to << RMB bank settlement account management approach >> (Chinese People's Bank of China Decree (2003) No.5 release) and other bank settlement account management regulations apply todomestic banks to open RMB special deposit accounts, devoted to the storage from abroad by the People's Bank agreed to issue bonds to raise funds to import this account deposit rate published by the People's Bank deposit interest rate execution, funds should be strictly in accordance with the bond prospectus used within the agreed scope of use shall not be moved for other purposes.(Two) involving RMB RMB bonds issued overseas import or debt service, domestic banks should be timely and accurate information to the management system for RMB cross-border payment submitted RMB cross-border payment information that involve cross-border RMB guarantee business, need to submit the RMB cross-border warranty.Fifth, the domestic non-financial institutions can follow the << Property Law >>, << >>, etc. Guarantee Law of the PRC law, provide external yuan guarantee. Domestic non-financial institutions RMB performance when using external security, real domestic banks audits after its handling of Renminbi, RMB cross-border payment information and to submit the relevant information management systems. performing funds may also be used by domestic non-financial institutions to retain its offshore renminbi funds directly.Six, domestic agent bank for RMB accounts overseas participating banks to extend financing to one year, account shall not exceed the financing domestic agent bank balance of RMB deposits 3% of the previous year.Seven, overseas participating banks in the domestic agent bank to open RMB current accounts with banks abroad and overseas participating banks to open RMB business in RMB clearing bank between accounts, transfer of funds resulting from the settlement needs to be carried out. Various offshore RMB business clearing line Domestic RMB clearing accounts opened between the transfer of funds resulting from the settlement can be required.Eight, the People's Bank branches to take advantage of RMB cross-border payment information management system, good information monitoring and analysis, regular banks and enterprises to carry out cross-border renminbi business situation-site inspection and supervision according to law, and in accordance with the actual needs on-site inspection and risk prevention. discovery bank violates the relevant provisions should require banks rectification.Nine of the notice from the date of promulgation. Inconsistent with the relevantprovisions of this notice, to this notice shall prevail. Please PBOC deputy provincial city center branch offices above will be forwarded to this notice within the jurisdiction of the People's Bank branches, Foreign banks and local corporate financial institutions.Problems encountered during the implementation, please report Monetary Policy Division II.People's Bank of ChinaJuly 5, 2013。

中国人民银行《关于进一步加强境外中资金融机构管理的通知》正文：---------------------------------------------------------------------------------------------------------------------------------------------------- 中国人民银行关于进一步加强境外中资金融机构管理的通知（银发〔１９９６〕３５４号）外经贸部、交通部、中国人民银行上海市、广东省、福建省、深圳市分行，中国工商银行、中国农业银行、中国银行、中国建设银行、交通银行、中信实业银行、中国光大银行、华夏银行、中国投资银行、招商银行、深圳发展银行、广东发展银行、福建兴业银行、浦东发展银行、中保集团、中国太平洋保险公司、中国平安保险公司、中国国际信托投资公司、中国新技术创业投资公司：１９９５年８月１４日，中国人民银行印发了《关于加强对境外中资金融机构管理的通知》（银发〔１９９５〕２３２号文），对境外中资金融机构的报批程序、报告制度和日常监管等问题作了具体规定。

为进一步加强对境外中资金融机构的监管，现根据《境外金融机构管理办法》及其他有关金融法规，制定以下补充规定，请各有关单位认真执行。

一、中国人民银行将进一步加强对境外中资金融机构现场检查和非现场的监督管理。

各境外中资金融机构的境内投资单位（以下简称为总管理机构）应克服“重设立轻监管”的思想，采取有效措施，切实加强对境外金融机构的管理。

总管理机构要根据境外金融机构发展的现状，设立专门部门并配备充足人员力量或指定专职部门、专职岗位负责对境外金融机构的日常管理工作。

总管理机构应进一步理顺内部有关部门对境外金融机构管理工作中的相互关系，制定明确的管理制度，其中包括：明确内部有关部门对境外金融机构的管理权限、责任，总管理机构对境外金融机构的业务授权、流动性、资产负债比例、信贷风险评级、外汇及衍生产品交易等重要业务的具体规定。

银发[2012]165号文-中国人民银行关于明确外商直接投资人民币结算业务操作细则的通知中国人民银行关于明确外商直接投资人民币结算业务操作细则的通知中国人民银行上海总部，各分行、营业管理部，省会（首府）城市中心支行、副省级城市中心支行，国家开发银行、各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行：为贯彻落实《外商直接投资人民币结算业务管理办法》（中国人民银行公告[2011]第23号公布），便利境外投资者以人民币来华投资，规范银行业金融机构（以下简称银行）办理外商直接投资人民币结算业务，现就有关事项通知如下:一、境外投资者应当根据《人民币银行结算账户管理办法》（中国人民银行令（2003）第5号发布）、《境外机构人民币银行结算账户管理办法》（银发（201。

）249号文印发）等银行结算账户管理规定，开立境外机构人民币基本存款账户、专用存款账户及一般存款账户。

二、一个境外投资者在境内只能开立一个人民币前期费用专用存款账户，账户名称为存款人名称加“前期费用”字样。

境外投资者如为境外自然人，可以按照《人民币银行结算账户管理办法》等银行结算账户管理规定申请开立个人人民币银行结算账户，专门用于存放前期费用。

该账户的使用应当参照境外机构人民币前期费用专用存款账户进行管理。

银行将境外投资者开立的用于前期费用的个人银行结算账户向人民币跨境收付信息管理系统报备时，应当在“备注”最前面注明“前期费用”字样。

银行在为境外投资者开立人民币前期费用专用存款账户时，应当登录人民币跨境收付信息管理系统查询该境外投资者是否已开立前期费用账户，已经开立的，不得再为其开立。

三、境外投资者开立人民币再投资专用存款账户，账户名称为存款人名称加“再投资”字样。

境外投资者为境外自然人的，可以按照《人民币银行结算账户管理办法》等银行结算账户管理规定申请开立个人人民币银行结算账户，专门用于存放再投资资金。

该账户的使用应当参照境外机构人民币再投资专用存款账户进行管理。

中国人民银行关于简化跨境人民币业务流程和完善有关政策的通知People's Bank of China on the simplification of cross-border RMB business processesAnd improve relevant policies noticeChina PBOC Shanghai headquarters, branches, business management department, the provincial capital (capital) city center branch, sub-provincial city center branch, the National Development Bank, the policy banks, state-owned commercial banks, joint-stock commercial banks, China Postal Savings Bank:To further improve the efficiency of cross-border RMB settlement, convenient banking financial institutions (hereinafter referred to as banks) and businesses to use the RMB cross-border settlement, is now on simplifying cross-border renminbi business processes and improve relevant policies and other matters are notified as follows:I, on the regular cross-border RMB settlement business under(A) Domestic banks can 'know your customer', 'know your business,' 'due diligence' on the basis of three principles, with companies (export goods trade, the RMB settlement business enterprises within the list of key regulatory exception) submitted business cross-border RMB settlement certificate or << / receive payment instructions >> directly for cross-border settlement.(Two) companies often under the RMB settlement to be automatically recorded, and its handling of domestic banks can be accounted for, and then to verify the authenticity of the relevant trade.(Three) to encourage domestic banks to carry out cross-border RMB trade finance business. Domestic banks can carry out cross-border RMB trade finance cross-border transfer of business assets.(Four) export goods trade, the RMB settlement business key regulatory list of enterprises for cross-border RMB settlement under regular business, domestic banks should << People's Bank of China Ministry of Commerce Office of the General Office of the Ministry of Finance Customs Office State Administration of Taxation, China Banking Regulatory Commission Office of the General Office of export goods trade inRMB clearing business letter a list of key regulatory >> (Silver Letter Office (2012) 381) established the principle of strict audit the authenticity of conducting business. People's Bank branches may be registered in the region's exports of goods trade, the RMB settlement business key regulatory lists sent to the bank's internal use within the jurisdiction.Second, on the bank card account cross-border RMB clearing business(A) bank card account transactions RMB cross-border interbank clearing operations should be established in the territory of RMB business qualification with a bank card clearing organization (hereinafter referred to as domestic bank card clearing agencies), through offshore RMB Clearing Bank or domestic agent banking channels handle.(Two) in use outside the territory of bank cards issued by banks or withdraw cash in RMB account after consumption, domestic issuing bank shall be RMB clearing organizations and domestic bank card clearing, clearing organizations within the bank card in RMB or foreign currency and foreign acquirers liquidated.(Three) in the territory of using bank cards issued by foreign banks RMB account of consumption or extraction RMB cash, the domestic acquirers be denominated and domestic settlement bank card clearing agencies, domestic bank card settlement in RMB and foreign institutions should issuing bank liquidated.(Four) bank card account cross border RMB settlement of cross-border RMB business involves the payment information from the territory of the bank card clearing organization through its territory to the RMB cross-border settlement bank unified information management system for payment submitted.(Five) Cross-border RMB clearing bank card business according to the above provisions, People's Bank of China announcement (2003) Article No. 16, People's Bank of China announcement (2004) Article No. 8, << China People's Bank of China on the mainland Bank and Hong Kong and Macau bank for personal RMB business issues related to notice >> (YF (2004) 254) the third, fourth, seventeen on the liquidation of personal RMB bank cards with the relevant provisions are not executed.Third, on the territory of non-financial institutions RMB offshore lending business(A) Domestic non-bank financial institution may apply to the domestic offshore RMB settlement business lending. Equity relationship with a parent or ultimate holding by the same and by the exercise of a member institution regional headquarters or domestic investment management functions non-financial institutions can the use of RMB funds pool mode to domestic banks for lending outside the pool of funds to carry out RMB settlement business.(Two) Domestic banks should carefully examine the domestic non-financial institutions RMB offshore lending operations submitted application materials, its handling of cross-border RMB settlement business.(Three) to conduct RMB business in domestic and offshore lending by non-financial institutions should follow << RMB bank settlement account management approach >> (Chinese People's Bank of China Decree (2003) No. 5 release) and other bank settlement account management regulations apply to domestic banks to open Li yuan special deposit accounts specifically for renminbi offshore lending.(Four) domestic non-financial institutions to offshore lending interest rate, term and use from both lenders and borrowers in accordance with commercial principles, within reasonable limits negotiated.(Five) RMB offshore renminbi lending loans must be approved by special deposit accounts denominated in Renminbi recovery and return shall not exceed the amount of principal and interest on loans, domestic income, fees and other reasonable income.(Six) Banks should conscientiously fulfill the duties of the information submitted, timely and accurate information to the management system for RMB cross-border payment submitted RMB cross-border payment information, cross-border credit financing business and other relevant information. Guarantee that involve cross-border RMB business, need to submit the RMB cross-border warranty.Fourth, on the territory of non-financial institutions to issue renminbi bonds offshore (A) Domestic non-financial institutions, according to << RMB bank settlement account management approach >> (Chinese People's Bank of China Decree (2003) No. 5 release) and other bank settlement account management regulations apply todomestic banks to open RMB special deposit accounts, devoted to the storage from abroad by the People's Bank agreed to issue bonds to raise funds to import this account deposit rate published by the People's Bank deposit interest rate execution, funds should be strictly in accordance with the bond prospectus used within the agreed scope of use shall not be moved for other purposes.(Two) involving RMB RMB bonds issued overseas import or debt service, domestic banks should be timely and accurate information to the management system for RMB cross-border payment submitted RMB cross-border payment information that involve cross-border RMB guarantee business, need to submit the RMB cross-border warranty.Fifth, the domestic non-financial institutions can follow the << Property Law >>, << >>, etc. Guarantee Law of the PRC law, provide external yuan guarantee. Domestic non-financial institutions RMB performance when using external security, real domestic banks audits after its handling of Renminbi, RMB cross-border payment information and to submit the relevant information management systems. performing funds may also be used by domestic non-financial institutions to retain its offshore renminbi funds directly.Six, domestic agent bank for RMB accounts overseas participating banks to extend financing to one year, account shall not exceed the financing domestic agent bank balance of RMB deposits 3% of the previous year.Seven, overseas participating banks in the domestic agent bank to open RMB current accounts with banks abroad and overseas participating banks to open RMB business in RMB clearing bank between accounts, transfer of funds resulting from the settlement needs to be carried out. Various offshore RMB business clearing line Domestic RMB clearing accounts opened between the transfer of funds resulting from the settlement can be required.Eight, the People's Bank branches to take advantage of RMB cross-border payment information management system, good information monitoring and analysis, regular banks and enterprises to carry out cross-border renminbi business situation-site inspection and supervision according to law, and in accordance with the actual needs on-site inspection and risk prevention. discovery bank violates the relevant provisions should require banks rectification.Nine of the notice from the date of promulgation. Inconsistent with the relevantprovisions of this notice, to this notice shall prevail. Please PBOC deputy provincial city center branch offices above will be forwarded to this notice within the jurisdiction of the People's Bank branches, Foreign banks and local corporate financial institutions.Problems encountered during the implementation, please report Monetary Policy Division II.People's Bank of ChinaJuly 5, 2013。

商务部：跨境人民币FDI禁投资证券及衍生品据港媒报道，中国商务部公布《关于跨境人民币直接投资(FDI)有关问题的通知》，境外投资者(含港澳台投资者)可以合法获得的境外人民币依法开展直接投资活动，但不得直接或间接用于投资有价证券和金融衍生品，以及用于委托贷款。

该通知指，跨境人民币直接投资房地产业、战略投资境内上市公司等均应按照现行外商投资管理规定执行。

该通知亦明确跨境人民币直接投资审批管理程序，对于3亿及3亿元人民币以上投资项目以及融资担保、外商投资性公司、宏观调控行业等项目，省级商务主管部门需报商务部审核同意后予以批准，商务部将根据跨境人民币直接投资的实践情况逐步简化有关程序。

另外，中国人民银行及商务部亦公布，《外商直接投资人民币结算业务管理办法》。

境外投资者办理外商直接投资人民币结算业务时，直接向银行申请办理人民币结算业务，银行可以按照相关规定直接为外商投资企业办理人民币资金结算业务。

人行和有关部门建立必要的信息共享和管理机制，加大事后检查力度，动对资金使用的延伸检查，强化银行的风险防范责任，将有效监管外商直接投资人民币结算业务活动。

人行指，积极稳妥开展外商直接投资人民币结算业务，将进一步扩大人民币跨境使用，支持香港人民币市场发展，切实促进贸易、投资便利化。

香港财经事务及库务局局长陈家强指，跨境人民币直接投资的管理细则落实，料新措施可令香港人民币业务增多，并吸引外资在本港筹集人民币。

香港金管局总裁陈德霖指，人民币外商直接投资管理办法的出台，将大增香港人民币资金的出路，促进人民币债券和融资的发展，令香港离岸人民币业务中心的发展晋升上一个新台阶。

东方汇理指，跨境人民币FDI细节出台，料于市场较稳定时，吸引更多企业发行点心债，较长线而言，将可逐步推高点心债的收益率。

该行指，更易与内地债券市场接连，亦有助推高点心债收益率。

该行认为，内地希望就人民币推行双向流通，而扩大人民币通行性方法，就是将其国际化。

外商直接投资人民币结算业务管理办法Administrative Measures on the RMB Settlement Business Relating to Foreign Direct Investment第一章总则Chapter 1 General Provisions第一条为扩大人民币在跨境贸易和投资中的使用范围，规范银行业金融机构（以下简称银行）办理外商直接投资人民币结算业务，根据《中华人民共和国中国人民银行法》、《人民币银行结算账户管理办法》（中国人民银行令〔2003〕第5号发布）等有关法律、行政法规、规章，制定本办法。

Article 1 These measures are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China, the Administrative Measures on the RMB Bank Settlement Account (issued by PBOC order [2003] No.5)and other relevant laws, administrative regulations and rules in order to expand the use of RMB in cross-border trades and investment and to regulate the RMB settlement business of banking financial institutions (the Banks) relating to foreign direct investment.第二条银行办理外商直接投资人民币结算业务，适用本办法。

Article 2 These measures shall apply to the Banks' RMB settlement business relating to foreign direct investment.第三条境外企业、经济组织或个人（以下统称境外投资者）以人民币来华投资应当遵守中华人民共和国外商直接投资法律规定。

中国人民银行关于简化跨境人民币业务流程和完善有关政策的通知正文：----------------------------------------------------------------------------------------------------------------------------------------------------中国人民银行关于简化跨境人民币业务流程和完善有关政策的通知（银发[2013]168号）中国人民银行上海总部，各分行、营业管理部，省会（首府）城市中心支行、副省级城市中心支行，国家开发银行、各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行：为进一步提高跨境人民币结算效率，便利银行业金融机构（以下简称银行）和企业使用人民币进行跨境结算，现就简化跨境人民币业务流程和完善有关政策等事项通知如下：一、关于经常项下跨境人民币结算业务（一）境内银行可在“了解你的客户”、“了解你的业务”、“尽职审查”三原则的基础上，凭企业（出口货物贸易人民币结算企业重点监管名单内的企业除外）提交的业务凭证或《跨境人民币结算收/付款说明》，直接办理跨境结算。

（二）企业经常项下人民币结算资金需要自动入账的，境内银行可先为其办理入账，再进行相关贸易真实性审核。

（三）鼓励境内银行开展跨境人民币贸易融资业务。

境内银行可开展跨境人民币贸易融资资产跨境转让业务。

（四）出口货物贸易人民币结算企业重点监管名单内的企业办理经常项下跨境人民币结算业务时，境内银行应按《中国人民银行办公厅财政部办公厅商务部办公厅海关总署办公厅国家税务总局办公厅银监会办公厅关于出口货物贸易人民币结算企业重点监管名单的函》（银办函〔2012〕381号）确定的原则，严格进行业务真实性审核。

人民银行各分支机构可将在本地区注册的出口货物贸易人民币结算企业重点监管名单发送给辖区内银行内部使用。

二、关于银行卡人民币账户跨境清算业务（一）银行卡人民币账户内交易的跨行跨境清算业务，应由在境内设立的具有人民币业务资格的银行卡清算机构（以下简称境内银行卡清算机构），通过境外人民币业务清算行或境内代理银行渠道办理。

中华人民共和国外汇管理条例Regulations on the Foreign Exchange System of the People's RepubLic of China 第一条为了加强外汇管理，保持国际收支平衡，促进国民经济健康发展，制定本条例。

Article 1 These regulations are formulated with a view to improving the management of the exchange system, maintaining an equilibrium in the balance of payments and promoting sound economic growth.第二条国务院外汇管理部门及其分支机构（以下统称外汇管理机关），依法履行外汇管理职责，负责本条例的实施。

Article 2 The government agencies of the State Council in charge of the administration of the exchange system and their local offices (hereafter the exchange administration agencies for both) shall exercise exchange management in accordance with the law and assume the responsibility for the implementation of the regulations.第三条本条例所称外汇，是指下列以外币表示的可以用作国际清偿的支付手段和资产：Article 3 Foreign exchange as referred to in the regulations includes means of payments and assets denominated in foreign currency for international settlement as the following:㈠外国货币，包括纸币、铸币；1. foreign currencies, including bank notes and coins;㈡外币支付凭证，包括票据、银行存款凭证、邮政储蓄凭证等；2. payment instruments denominated in foreign currency, including bills, bank certificate of deposit and certificate of postal deposit etc.㈢外币有价证券，包括政府债券、公司债券、股票等；3. securities denominated in foreign currency, including government bonds, corporate debentures and stocks etc.;㈣特别提款权、欧洲货币单位；4. Special Drawing Rights and European Currency Units;㈤其他外汇资产。