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    人民銀行官宣!跨境電商支付政策迎來重大利好,7月21日起實施The People's Bank of China officially announced! The cross-border e-commerce payment policy has ushered in a major positive, and it will be implemented on July 21
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    人民銀行官宣!跨境電商支付政策迎來重大利好,7月21日起實施The People's Bank of China officially announced! The cross-border e-commerce payment policy has ushered in a major positive, and it will be implemented on July 21

    【摘要】:
    6月20日晚間,人民銀行發布《關于支持外貿新業態跨境人民幣結算的通知》(以下簡稱《通知》),支持銀行和支付機構更好服務外貿新業態發展,《通知》自2022年7月21日起實施?!锻ㄖ分饕獌热莅ǎ阂皇羌哟髮ν赓Q新業態的支持力度,完善跨境電商等外貿新業態跨境人民幣業務相關政策。二是將支付機構跨境業務辦理范圍由貨物貿易、服務貿易拓寬至經常項下。三是明確銀行、支付機構等相關業務主體展業和備案要求。四是明確
    6月20日晚間,人民銀行發布《關于支持外貿新業態跨境人民幣結算的通知》(以下簡稱《通知》),支持銀行和支付機構更好服務外貿新業態發展,《通知》自2022年7月21日起實施。
    《通知》主要內容包括:一是加大對外貿新業態的支持力度,完善跨境電商等外貿新業態跨境人民幣業務相關政策。二是將支付機構跨境業務辦理范圍由貨物貿易、服務貿易拓寬至經常項下。三是明確銀行、支付機構等相關業務主體展業和備案要求。四是明確業務真實性審核、反洗錢、反恐怖融資、反逃稅以及數據報送等要求,壓實銀行與支付機構展業責任,防控業務風險。
    人民銀行表示,將穩步推進《通知》的落地實施,為外貿新業態市場主體提供良好的配套金融服務,切實發揮跨境人民幣業務服務實體經濟、推動外貿新業態高質量發展的積極作用,支持和引導外貿新業態新模式健康持續創新發展,助力穩定宏觀經濟大盤。
    今年1月7日,為完善外貿新業態跨境人民幣業務管理,支持銀行和支付機構更好服務外貿新業態發展,中國人民銀行起草了《關于支持外貿新業態跨境人民幣結算的通知(征求意見稿)》。
    ↓ ↓ 以下是政策全文↓ ↓ 
    關于支持外貿新業態跨境人民幣結算的通知
    中國人民銀行上??偛?,各分行、營業管理部,各省會(首府)城市中心支行,各副省級城市中心支行;國家開發銀行,各政策性銀行、國有商業銀行,中國郵政儲蓄銀行,各股份制商業銀行;中國銀聯、跨境清算公司、網聯清算有限公司:
    為貫徹落實《國務院辦公廳關于加快發展外貿新業態新模式的意見》(國辦發〔2021〕24號),進一步發揮跨境人民幣結算業務服務實體經濟、促進貿易投資便利化的作用,支持外貿新業態發展,現將有關事項通知如下:
    一、在“了解你的客戶”“了解你的業務”和“盡職審查”三原則的基礎上,境內銀行可與依法取得互聯網支付業務許可的非銀行支付機構(以下簡稱支付機構)、具有合法資質的清算機構合作,為市場交易主體及個人提供經常項下跨境人民幣結算服務。
    本通知所稱市場交易主體是指跨境電子商務、市場采購貿易、海外倉和外貿綜合服務企業等外貿新業態經營者、購買商品或服務的消費者。
    二、與支付機構合作的境內銀行應具備3年以上開展跨境人民幣結算業務的經驗,滿足備付金銀行相關要求,具備審核支付機構跨境人民幣結算業務真實性、合法性的能力,具備適應支付機構跨境人民幣結算業務特點的反洗錢、反恐怖融資、反逃稅系統處理能力。
    三、參與提供本通知規定的跨境人民幣結算服務的支付機構應滿足以下條件:
    (一)在境內注冊并依法取得互聯網支付業務許可。
    (二)具有使用人民幣進行跨境結算的真實跨境業務需求。
    (三)具備健全的跨境業務相關內部控制制度和專職人員,能夠按本通知要求及相關規定做好商戶信息采集和準入管理,交易信息采集,跨境業務真實性、合法性審核等。
    (四)具備跨境人民幣結算服務相關反洗錢、反恐怖融資、反逃稅等具體制度和措施;具備高效的跨境人民幣結算服務相關反洗錢、反恐怖融資、反逃稅系統處理和對接能力。
    (五)遵守國家有關法律法規,合規經營,風險控制能力較強,近兩年未發生嚴重違規情況。
    四、境內銀行在為支付機構辦理跨境人民幣結算業務時,應按本通知第三條規定評估支付機構展業能力,與支付機構簽署跨境人民幣結算業務協議,明確雙方權利和義務,并于10個工作日內向所在地中國人民銀行副省級城市中心支行以上分支機構(以下簡稱中國人民銀行分支機構)備案。境內銀行應每年對已備案支付機構展業能力進行評估并定期報送所在地中國人民銀行分支機構??缇橙嗣駧沤Y算業務協議發生變更的,境內銀行應于10個工作日內向所在地中國人民銀行分支機構備案。對于經評估不滿足本通知第三條相關要求的支付機構或跨境人民幣結算業務協議終止的,境內銀行應于10個工作日內向所在地中國人民銀行分支機構報告并辦理撤銷備案。
    五、開展本通知規定的跨境人民幣結算業務應具有真實、合法的交易基礎,且符合國家有關法律法規規定。境內銀行與支付機構合作開展本通知規定的跨境人民幣結算業務的,雙方應協商建立業務真實性審核機制,共同做好業務背景真實性、合法性審核,不得以任何形式為非法交易提供跨境人民幣結算服務。
    (一)境內銀行、支付機構應加強市場交易主體管理,依法采集市場交易主體基本信息,并定期核驗更新,建立市場交易主體負面清單。
    (二)境內銀行、支付機構應根據市場交易主體類別、交易特征等,合理確定各類跨境人民幣結算業務的單筆交易限額。
    (三)境內銀行、支付機構應建立健全跨境人民幣結算業務事中審核和事后抽查制度,加強對大額交易、可疑交易、高頻交易等異常交易的監測,相關信息至少留存5年備查。
    (四)支付機構應制定交易信息采集及驗證制度,對于違規風險較高的交易,支付機構應要求市場交易主體提供相關單證材料;不能確認交易真實合法的,應拒絕辦理相關跨境人民幣結算業務。
    (五)與支付機構合作的境內銀行發現異常情況的,應及時采取相應措施,包括但不限于要求支付機構及交易相關方就可疑交易提供真實合法的單證材料;確認發生異常情況的,境內銀行應于5個工作日內向所在地中國人民銀行分支機構報告。境內銀行對支付機構違規業務依法承擔連帶責任。
    境內銀行直接為市場交易主體提供本通知規定的跨境人民幣結算服務的,參照本通知辦理。
    六、境內銀行和支付機構提供跨境人民幣結算服務時,應依法履行反洗錢、反恐怖融資、反逃稅義務,遵守打擊跨境賭博、電信網絡詐騙及非法從事支付機構業務等相關規定。
    七、境內銀行應按照人民幣跨境收付信息管理系統(RCPMIS)信息報送相關要求,及時、準確、完整地報送跨境收付數據,軋差凈額結算應還原為收款和付款信息報送。境內銀行、支付機構應妥善保存集中收付或軋差凈額結算前境內實際收付款機構或個人的逐筆原始收付款數據備查。
    八、中國人民銀行及其分支機構可依法對境內銀行和支付機構開展的外貿新業態跨境人民幣結算業務開展非現場監測,境內銀行和支付機構應予以配合。
    九、支持境內銀行和支付機構提升服務能力,加大對外貿新業態跨境人民幣結算業務的支持力度,豐富外貿新業態跨境人民幣結算業務配套產品,降低市場交易主體業務辦理成本。
    十、本通知自2022年7月21日起施行?!吨袊嗣胥y行關于貫徹落實〈國務院辦公廳關于支持外貿穩定增長的若干意見〉的指導意見》(銀發〔2014〕168號)第七條等規定與本通知不一致的,以本通知為準。
    中國人民銀行
    2022年6月16日
    來源:中國人民銀行網站
    On the evening of June 20, the People's Bank of China issued the "Notice on Supporting New Formats of Foreign Trade Cross-border RMB Settlement" (hereinafter referred to as the "Notice") to support banks and payment institutions to better serve the development of new foreign trade formats. It will be implemented from the 21st of the month.
    The main contents of the "Notice" include: First, increase support for new forms of foreign trade, and improve policies related to cross-border RMB business in new forms of foreign trade such as cross-border e-commerce. The second is to expand the scope of cross-border business of payment institutions from trade in goods and trade in services to the current account. The third is to clarify the business development and filing requirements of relevant business entities such as banks and payment institutions. The fourth is to clarify the requirements for business authenticity review, anti-money laundering, anti-terrorist financing, anti-tax evasion, and data reporting, consolidate the business development responsibilities of banks and payment institutions, and prevent and control business risks.
    The People's Bank of China stated that it will steadily promote the implementation of the "Notice", provide good supporting financial services for market players of new foreign trade formats, and effectively play the positive role of cross-border RMB business in serving the real economy and promoting the high-quality development of new foreign trade formats. Guide the healthy and sustainable innovation and development of new business forms and models of foreign trade, and help stabilize the macroeconomic market.
    On January 7 this year, in order to improve the management of cross-border RMB business in new forms of foreign trade, and to support banks and payment institutions to better serve the development of new forms of foreign trade, the People's Bank of China drafted the "Notice on Supporting Cross-border RMB Settlement in New Forms of Foreign Trade (Comments for Comments)" draft)".
    ↓ ↓ The following is the full text of the policy ↓ ↓
    Notice on Supporting Cross-border Renminbi Settlement in New Formats of Foreign Trade
    The Shanghai Headquarters of the People's Bank of China, all branches and business management departments, all central sub-branches in provincial capital (capital) cities, and all central sub-branches in sub-provincial cities; China Development Bank, various policy banks, state-owned commercial banks, Postal Savings Bank of China, all joint-stock companies Commercial Banks; China UnionPay, Cross-border Clearing Company, and Netlink Clearing Co., Ltd.:
    In order to implement the "Opinions of the General Office of the State Council on Accelerating the Development of New Formats and New Models of Foreign Trade" (Guo Ban Fa [2021] No. 24), further play the role of cross-border RMB settlement business in serving the real economy, promoting trade and investment facilitation, and supporting foreign trade For the development of new business formats, the relevant matters are hereby notified as follows:
    I. On the basis of the three principles of "know your customer", "know your business" and "due diligence", domestic banks may cooperate with non-bank payment institutions (hereinafter referred to as payment institutions) that have legally obtained the Internet payment business license (hereinafter referred to as payment institutions), legal Cooperate with qualified clearing institutions to provide market transaction entities and individuals with cross-border RMB settlement services under the current account.
    The term “market transaction entities” as mentioned in this Notice refers to operators of new foreign trade formats such as cross-border e-commerce, market procurement trade, overseas warehouses, and foreign trade comprehensive service enterprises, and consumers who purchase goods or services.
    2. Domestic banks cooperating with payment institutions should have more than 3 years of experience in conducting cross-border RMB settlement business, meet the relevant requirements of reserve banks, have the ability to review the authenticity and legality of payment institutions’ cross-border RMB settlement business, and have the ability to adapt to The anti-money laundering, anti-terrorist financing, and anti-tax evasion system processing capabilities of payment institutions' cross-border RMB settlement business characteristics.
    3. Payment institutions participating in the provision of cross-border RMB settlement services specified in this notice shall meet the following conditions:
    (1) Register in China and obtain an Internet payment business license according to law.
    (2) It has real cross-border business needs to use RMB for cross-border settlement.
    (3) It has a sound internal control system and full-time personnel related to cross-border business, and can effectively collect merchant information and access management, collect transaction information, and review the authenticity and legality of cross-border business in accordance with the requirements of this notice and relevant regulations.
    (4) It has specific anti-money laundering, anti-terrorist financing, anti-tax evasion and other specific systems and measures related to cross-border RMB settlement services; and has efficient anti-money laundering, anti-terrorist financing, and anti-tax evasion system processing and docking capabilities for cross-border RMB settlement services.
    (5) Comply with relevant national laws and regulations, operate in compliance with regulations, have strong risk control capabilities, and have no serious violations in the past two years.
    4. When handling cross-border RMB settlement business for payment institutions, domestic banks shall evaluate the business development capabilities of payment institutions in accordance with Article 3 of this notice, and sign cross-border RMB settlement business agreements with payment institutions, clarifying the rights and obligations of both parties, and on October 10 Within 1 working day, it will be filed with the branch of the People's Bank of China at or above the central sub-branch in the sub-provincial city of the People's Bank of China (hereinafter referred to as the branch of the People's Bank of China). Domestic banks shall evaluate the business development capabilities of the registered payment institutions every year and regularly report to the local branch of the People's Bank of China. If the cross-border RMB settlement business agreement is changed, the domestic bank shall file with the local People's Bank of China branch within 10 working days. For payment institutions or cross-border RMB settlement business agreements that have been assessed and do not meet the relevant requirements of Article 3 of this notice, the domestic bank shall report to the local branch of the People's Bank of China within 10 working days and handle the cancellation filing.
    V. The cross-border RMB settlement business stipulated in this Circular shall have a real and legal transaction basis and comply with the relevant national laws and regulations. If a domestic bank and a payment institution cooperate to carry out the cross-border RMB settlement business stipulated in this Notice, the two parties shall negotiate to establish a business authenticity review mechanism, and jointly conduct a review of the authenticity and legality of the business background, and shall not provide cross-border transactions for illegal transactions in any form. RMB settlement service.
    (1) Domestic banks and payment institutions shall strengthen the management of market transaction entities, collect basic information of market transaction entities in accordance with the law, verify and update them regularly, and establish a negative list of market transaction entities.
    (2) Domestic banks and payment institutions shall reasonably determine the single transaction limit for various types of cross-border RMB settlement business based on the types of market transaction entities and transaction characteristics.
    (3) Domestic banks and payment institutions shall establish and improve the system of in-process review and post-event random inspection of cross-border RMB settlement business, strengthen the monitoring of abnormal transactions such as large-value transactions, suspicious transactions, and high-frequency transactions, and retain relevant information for at least 5 years for future reference.
    (4) Payment institutions should formulate transaction information collection and verification systems. For transactions with high risk of violations, payment institutions should require market transaction entities to provide relevant documents and materials; if the transaction cannot be confirmed to be true and legal, they should refuse to handle relevant cross-border RMB settlements. business.
    (5) If a domestic bank cooperating with a payment institution finds an abnormal situation, it shall take corresponding measures in a timely manner, including but not limited to requiring the payment institution and transaction related parties to provide true and legal documents for suspicious transactions; The bank shall report to the local branch of the People's Bank of China within 5 working days. Domestic banks shall be jointly and severally liable for the illegal business of payment institutions in accordance with the law.
    Where domestic banks directly provide market transaction entities with cross-border RMB settlement services stipulated in this Circular, refer to this Circular for handling.
    6. When providing cross-border RMB settlement services, domestic banks and payment institutions shall fulfill their obligations of anti-money laundering, anti-terrorist financing, and anti-tax evasion in accordance with the law, and abide by relevant regulations on cracking down on cross-border gambling, telecommunication network fraud, and illegally engaging in payment institution business.
    7. Domestic banks shall submit cross-border receipt and payment data in a timely, accurate and complete manner in accordance with the relevant requirements for information reporting of the RMB Cross-border Receipt and Payment Information Management System (RCPMIS), and the netting settlement shall be restored to the receipt and payment information Submit. Domestic banks and payment institutions shall properly keep the original collection and payment data of domestic actual collection and payment institutions or individuals before centralized collection and payment or netting settlement for future reference.
    8. The People's Bank of China and its branches may conduct off-site monitoring of the cross-border RMB settlement business of new foreign trade formats carried out by domestic banks and payment institutions in accordance with the law, and domestic banks and payment institutions shall cooperate.
    9. Support domestic banks and payment institutions to improve their service capabilities, increase support for cross-border RMB settlement business in new foreign trade formats, enrich supporting products for cross-border RMB settlement business in new foreign trade formats, and reduce business transaction costs for market transaction entities.
    10. This notice shall come into force on July 21, 2022. In case of any inconsistency between Article 7 and other provisions of the "Guiding Opinions of the People's Bank of China on Implementing Several Opinions of the General Office of the State Council on Supporting the Stable Growth of Foreign Trade" (Yin Fa [2014] No. 168), this Circular shall prevail.
    People's Bank of China
    June 16, 2022
    Source: People's Bank of China website

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