泛亚电竞

贸易信贷及跨境担保相关业务问答

根据《外债登记管理办法》(汇发〔2013〕19号)及其操作指引的规定,外债结汇不得用于偿还金融机构发放的人民币贷款...

: 外债结汇可否用于支付到期的银行承兑汇票?

泛亚电竞 da: genju《waizhaidengjiguanlibanfa》(huifa〔2013〕19hao)jiqicaozuozhiyindeguiding,waizhaijiehuibudeyongyuchanghaijinrongjigoufafangderenminbidaikuan。ruwaizhaizhaiwurencongjingneiqitajigoucaigouhuowu,huokuanzhifucaiyongyinxingchengduihuipiaofangshijiesuan,zaihuipiaodaoqiri,zhaiwurenanguidingtigongxiangyingjiehuiyongtudezhengmingcailiao,yinxingjinzhishenchabanliwaizhaijiehuihou,zhaiwurensuodederenminbizijinketongguoyinxingdangzhanghouzhifujigongyingshang,huozhehuaruqiyezishenderenminbizhanghu,youyinxingzai5gegongzuorineizhifujigongyingshang(zhaiwurendezhijiejiaoyiduishou)。

: 国内外汇贷款账户是否存在开户行限制,贷款账户是否要与贷款合同一一对应?贷款行与还款行不是同一家银行的如何操作?

da: genju《guojiawaihuiguanlijuguanyushishiguoneiwaihuidaikuanwaihuiguanlifangshigaigedetongzhi》(huifa〔2002〕125hao)deguiding,qiyezaizhucediyinxingjieyongguoneiwaihuidaikuan,guoneiwaihuidaikuanzhuanhuzhinengkailizaidaikuanxing;qiyecongyidiyinxingdaikuan,daikuanzhuanhukeyikailizaiyididedaikuanxing,yekeyizaiqiyezhucediyinxingkailidaikuanzhuanhu。

泛亚电竞 zaiqiyejidaikuanxingnenggouqufendaikuanzijindeqiantixia,yijiaqiyezaitongyizhaiquanrendeguoneiwaihuidaikuankeyizhikailiyigedaikuanzhuanhu。

泛亚电竞 zhaiwurenbanliyichanghaidaikuanbenxiweimudedegou、fuhuishouxushi,zhaiquanrenweiyinxingde,zhinengzaizhaiquanyinxinghuoqizhucediyinxingbanli。 zhaiquanrenyuzhaiwurendegou、fuhuiyinxingbushitongyijiajigoude,zhaiquanrenyingzaixiangzhaiwurenchujudehaibenfuxitongzhidanshangjiazhu: “yianzhaoguojiawaihuiguanlijuguoneiwaihuidaikuanwaihuiguanliyouguanguidingjinxinglezhenshixing、heguixingshenhe,qing____yinxing____fen(zhi)xingxiezhubanliyouguanshou、fuhuishouxu”,bingqianzi、jiagaiyewugongzhang。shou、fuhuiyinxingxupingzhaiquanrenjiazhu、gaizhangdehaibenfuxitongzhidanbanlishouhuihuojingneiwaihuihuazhuanshouxu。

: 银行承兑的90天以内的远期信用证,如到期日恰为法定节假日,导致承兑日到实际付款日超过90天,超出天数是否可不占用银行短期外债指标?

泛亚电竞 da: genju《guojiawaihuiguanlijuguanyuheding2011niandujingneijigouduanqiwaizhaiyuezhibiaoyouguanwentidetongzhi 》(huifa〔2011〕14hao)dengguiding,qixianzai90tianyixia(han)yichengduiweifukuanyuanqixinyongzhenghe90tianyixia(han)jinkouhuowumaoyixiangxiadehaiwaidaifubuzhanyongduanzhaizhibiao,danyingnaruwaizhaitongji。ruguoyinxingchengduide90tianyineideyuanqixinyongzheng,daoqiriqiaweifadingjiejiari,daozhichengduiridaoshijifukuanrichaoguo90tian,yinfeiyouyisuozhi,chaochutianshukebunaruyinxingduanzhaizhibiaoguanli。

: 境内一机构持有对另一家境内机构的债权,可否转让给境外机构?

da: jingneijigoujiangjingneizhaiquanzhuanrangjijingwaijigou,qijieguoshineizhaizhuanweiwaizhai。genju《zhonghuarenminbigongheguowaihuiguanlitiaoli》dengfaguiguiding,fanyadianjingguoduiwaizhaishixingguimoguanlihedengjizhidu,cileikuajingzhaiquanzhuanrangshangwufaguimingquekeyibanli。muqian,weijingwaihuijuhezhun,jingneijigoubudeshanzibanlicileikuajingzhaiquanzhuanrangyewu。ciqian,yiyoujingneijigouyincileijiaoyixuyiguibiwaizhaiguanlihetongjijiancebeiwaihuiguanlijuchufa。

: 内保外贷资金可否用于在境外从事股票、债券、信托产品或基金等证券类投资?

泛亚电竞 da: genjukuajingdanbaoguanliguiding,neibaowaidaixiangxiazhuzhaiwuzijinjinyongyuzhaiwurenzhengchangjingyingfanweineidezhichu,budejinxingtoujixingjiaoyi。duiyujingneijigouyifashelidejingwaitouziqiye,ruqishiyongneibaowaidaizijincongshizhengquantouzi,qizaiqudeshangwubumenpifudejingyingfanweizhongyingbaokuozhengquantouziyewu。

泛亚电竞 duiyufeifanyadianjingguo“zouchuqu”dejingwaiqiye,chujinrongleigongsiwai,yibandeshengchanjingyingqiyezhuyeyefeijinrongtouzi。yinci,chuteshuqingkuangwai,waibaoneidaizhuzhaiwuzijinbudeyongyugoumaihuotouzijingwaigupiao、zhaiquan、xintuohuojijindengjinrongchanpin。

duiyuwaibaoneidaizhuzhaiwuzijinnenggougoumaijingwaigupiao、zhaiquandengchanpindeqingxing,danbaorenyingcaiqujinzhishenchacuoshi,quebaozhifuduijiabutongguozhijiehuojianjiefangshihuiliujingnei;goumaierjishichangjinrongchanpinde,yingheshiyijishichangdefaxingshouruweicengdiaoruguojingneishiyong。

: 外债资金可否办理定期存款或购买理财产品?

da: genju《waizhaidengjiguanlibanfa》jiqicaozuozhiyindeguiding,waibiwaizhaizaibufashengzijinhuiduideqiantixia,kezaitongyifenjuxiaqunei、tongyiyinxingbanlidingcun。waibiwaizhaibudeyongyulicai。genju《zhongguorenminyinxingguanyumingquewaishangzhijietouzirenminbijiesuanyewucaozuoxizedetongzhi》(yinfa〔2012〕165hao),renminbiwaizhaibudezhuanweidingqicunkuanhuogoumailicaichanpin。

: 境内两家非金融机构之间的债权债务可否接受境外机构或个人提供的担保?境内金融机构为非金融机构办理的无授信性质的业务如保函等,可否接受境外担保?此类担保可否归入其他形式的跨境担保?

泛亚电竞 da: genju《kuajingdanbaowaihuiguanliguiding》(huifa〔2014〕29hao),waibaoneidaiyewuxiangxiadezhuzhaiwuxianyujingneijinrongjigouduijingneifeijinrongjigoudebenwaibidaikuanhuoshouxin。jingneiliangjiafeijinrongjigouzhijianjiaoyichanshengdezhaiquanzhaiwu,yijijingneijinrongjigouweijingneiqiyechujudewushouxindeyinxingbaohandeng,rujieshoujingwaidanbaozeshuyu“waineinei”dewaibaoneidaixingshi,buzaiguidingyunxubanlidewaibaoneidaiyewufanweizhinei。cileikuajingdanbaobushuyuqitaxingshikuajingdanbao。

: 境内机构办理其他形式跨境担保有何管理和统计监测要求?

da: genju《kuajingdanbaowaihuiguanliguiding》(huifa〔2014〕29hao),chuwaibaoneidaiheneibaowaidaizheiliangleidanbaowaideqitashierzhongkuajingdanbaoxingshi,danbaorenzaiquerenbeidanbaorenzigetiaojian、shangyehelixing、zhuzhaiwuzijinyongtu、lvxingqingxiangxingjiyuqitawaihuiguanlifaguihuoqitabumendexianzhixingguidingshifoucunzaichongtudengyaoxiangjunheguihou,kezixingqiandingdanbaohetong,wuxuzaiwaihuiguanlijubanlidengjishouxu。qitaxingshikuajingdanbaofashengdanbaolvyueshi,yinxingyingshenhedanbaofuheguidinghou,cainengbanlilvyuekuandeshoukuanhuofuhuishouxu。danbaolvyuehouxingchengduiwaizhaiquande,xubanliduiwaizhaiquandengji。

: 企业融资租赁等非资金划转类外债如何办理提款登记和还本付息手续?

泛亚电竞 da: feizijinhuazhuanleiwaizhaibunengtongguoyinxingtixicaijizijinhuazhuanxinxi,yincizibenxiangmuxinxixitongwufazhuaquxiangyingdetikuanxinxi,cileitikuanxuyaoqiyechixiangguanzhengmingcailiaozaiwaihuiguanlijubanlibeian。genju《waizhaidengjiguanlibanfa》(huifa〔2013〕19hao)jiqicaozuozhiyindeguiding,rongzizulinwaizhaitikuanzhuyaotigongjinkoubaoguandandengzhengmingcailiao。waihuiguanlijuzaizibenxiangmuxinxixitongzhonglurutikuanxinxihou,xitonghuichanshengkeliuchuwaizhaiyue,qiyekezhijiedaoyinxingbanlicileiwaizhaidehaibenfuxishouxu;yinxingxuzaizibenxiangmuxinxixitongzhongchaxundaoduiyingwaizhaiqueyoukeliuchuyuebingheshiqitaguidingcailiaohou,cainengbanlihaibenfuxishouxu。ciwai,qiyexuzaiguojishouzhishenbaoshitianxiewaizhaiyewubianhao。

: 在上海试点办理的银行境外贷款登记业务中,境内银行对非居民发放的境外贷款在用途上是否存在限制?

泛亚电竞 da: yinxingjingwaidaikuanyingyongyujingwaijigouzaijingwaideshengchanjingyinghuodong,budeyijiedai、zhijietouzi、zhengquantouzidengfangshizhijiehuojianjiediaorujingneishiyong。cileishiyongshijijieguoshijingneiyinxingdedaikuanyouyiwaizishenfenhuiliujingnei。

: 外币外债结汇可否用于偿还境内金融机构发放的人民币贷款利息?外债结汇所得人民币资金如划至其他银行后进行支付,银行如何履行尽职审查职责?

da: 《waizhaidengjiguanlibanfa》jiqicaozuozhi yin(huifa〔2013〕19hao)guiding,waizhaijiehuisuoderenminbizijinbudeyongyuchanghaijingneijinrongjigoufafangderenminbidaikuan。genjuwaihuijudezhengcejieshikoujing,cizhengceshizhiwaizhaijiehuibudechanghaijinrongjigoufafangderenminbidaikuanbenjinjilixi。

《waizhaidengjiguanlibanfa》jiqishishixizeguiding,yinxingzaibanliqiyewaizhaijiehuishi,yingduiqiyeshengmingdejiehuizijinyongtujinxingjinzhishencha。qiyetigongdezijinyongtuzhengmingwenjianshihoufaxiancunzaimingxianxiacide,yinxingyingchengdanxiangyingzeren。wulunjiehuisuoderenminbizijinshifouhuadaoqitayinxingbanlizhifu,jiehuiyinxingdouyingchengdanjinzhishenchazhize。ruguojiehuiyinxingbunengquebaohuadaotaxingzhifuderenminbizijinheguishiyong,nanyiluoshijinzhishenchazhize,zejiehuisuoderenminbizijinyingzaijiehuiyinxingbanlizhifu。

: 外债结汇可否用于备用金?是否存在月度结汇10万美元的限额?

泛亚电竞 da: waizhaijiehuikeyongyuqiyebeiyongjin。weimanzubutongleixingqiyedeshijixuyao,《waizhaidengjiguanlibanfa》jiqicaozuozhiyinweixiandingyuedubeiyongjinjiehuidezuigaoxiane。yinxingkegenjugaiqiyeweilaiyigeyuezhenshi、heguiderenminbilingxingkaizhi(feigongzi、huokuan、zujin、gongchengkuan、shuifeidengquedingxingzhichu)xuqiu,helipingguhequedingqiyedebeiyongjinjiehuishue。duiyupinfanyibeiyongjinmingyibanlijiehuideqiye,waihuiguanlijujiangshishizhongdianhechahejiancha,bingzhuijiuweiguibanlijiehuideyinxingzeren。

: 非银行金融机构分支机构作为内保外贷的反担保人,是否须遵守《跨境担保管理办法》中“非银行金融机构作为担保人,应取得总行或总部授权”的要求?

泛亚电竞 da: feiyinxingjinrongjigoubenshenzuoweifandanbaoren,tongguojingneiyinxingbanlineibaowaidai,qibenshenfeineibaowaidaidezhijieduiwaidanbaoren,bushuyu《kuajingdanbaowaihuiguanlicaozuozhiyin》diyibufendisantiaodeshejifanwei。danshi,feiyinxingjinrongjigoukefoutongguoyinxingbanlineibaowaidaiyewu,yijilvyuehounengfoubanliduiwaizhaiquandengji,haiyingzunxun“qianzaichongtubiaozhun”,jichuyingaigeneibaowaidaizhengceerpeihejinxingdexiangyingzhiduanpaijiwaihuijumingquedeliwaitiaokuanwai,danbaoqianyueshixiancunde、danbaolvyuehoukenengxinfashengdekuajingzhaiquanzhaiwuhuozichansuoyouquanguanxi,yuxianxingzibenxiangmuhuoxiangguanbumen(ruxingyezhuguanbumen)dexianzhixingguidingbuyingcunzaiqianzaichongtu。rucunzaichongtu,zedanbaohetongwufalvxing。ciwai,jinrongjigoujingneifenzhijigouchujufandanbao,shifouxuyaozongxinghuozongbushouquan,haiyingfuhejinrongjigouzishendeneikongyaoqiu。

: 根据《跨境担保管理办法》及其操作指引的规定,企业在办理外保内贷业务时,如发生担保履约后未偿清对外债务的,未经外汇局批准,不得新签外保内贷合同,已签约尚未提款或全部提款的,暂停办理新的提款。对于此项规定,银行如何执行,可否在签约环节一并要求企业提供签约暂停及提款暂停承诺?

da: jingneijinrongjigouzaiweijingneiqiyebanliwaibaoneidaiyewushi,yinglvxingbiyaodejinzhishenchazhize,yaoqiuqiyetigongxiangguandanbaodengxinxi,bingchengnuoqizaiqitayinxingbucunzaiwaibaoneidailvyuehouweichangzhaiwu。zhiyujinrongjigoucaiquhezhongfangshizaihehuanjieyaoqiuqiyetigongchengnuo,youjinrongjigouzixingzhangwo,danwuluncaiquhezhongfangshi,jinrongjigoujunxuquebaojiangshangshude“lianggezanting”shenhezhizeluoshidaowei。wen: waijigerennengfoujiangqijingneisuode(ruguxideng)zhijiejiejijingneiqiyeshiyong?da: waizhaizijinkeyilaiyuanyufeijumingerenzaijingneikailidebenwaibizhanghuneizijin,zhanghuneizijinkeyilaiyuanyuqijingneiqudedehefashouru。genju《waizhaitongjijiancezanxingguiding》jiqishishixize、《waizhaidengjiguanlibanfa》jiqicaozuozhiyindengfagui,jingneizhongziqiyexiangfeijumingerenjujiewaizhaibixuqudeguojiafazhanyugaigeweiyuanhuihedingdezhongzhangzhaizhibiaohuowaihuijuhedingdeduanzhaizhibiao。putongwaiziqiyejujiewaizhaideguimobudechaoguoqitouzizongeyuzhucezibendechae。qiyeqiandingwaizhaihetonghoushiwugegongzuorinei,xudaozhucediwaihuijubanliwaizhaidengji。

: 境内企业在香港发行人民币债券,是否需要取得外汇管理局的批准或备案?

da: genju《waizhaidengjiguanlibanfa》jiqicaozuozhiyindengguiding,jingneiqiyezaixianggangfazhainaruwaizhaitongjijiancefanwei,qiyezaiqudexiangguanzhuguanbumentongyiqifaxingrenminbizhaiquandepifuhou,haiyinganguidingzaizhucediwaihuiguanlijubanliwaizhaidengjishouxu。

: 一笔国内外汇贷款可否开立2个以上的国内外汇贷款账户?企业归还国内外汇贷款可否不使用自有外汇先行购汇?

泛亚电竞 da: genju《guojiawaihuiguanlijuguanyushishiguoneiwaihuidaikuanwaihuiguanlifangshigaigedetongzhi》(huifa〔2002〕125hao),yibiwaihuidaikuanzhinengkailiyigedaikuanzhuanyongzhanghu,qihanyishiyibiwaihuidaikuanbunengkailiduogeguoneiwaihuidaikuanzhuanyongzhanghu,dantongyijiekuanrentongyizhaiquanrendeduobiwaihuidaikuankegongyongyigeguoneiwaihuidaikuanzhuanyongzhanghu。

泛亚电竞 zhaiwurenchanghaiguoneiwaihuidaikuanbenxishi,wuxuxianshiyongziyouwaihui、buzubufenzaigouhui。

: 国内外汇贷款可否在境内银行办理套期保值?

da: guoneiwaihuidaikuankecanzhaowaizhaitaoqibaozhideguidingbanlitaoqibaozhiyewu,qiezhinengyisuodingwaihuidaikuanhaibenfuxidefengxianweimude。yinxingyingshenhebaozhihetongduiyingdeguoneiwaihuidaikuanjiaoyishipanbeijing,bingliucunzhengmingcailiao。

: 外债项下提款是否可以不调入境内?

da: muqianmingqueyunxutongguofeizijinhuazhuanleifangshibanliwaizhaitikuande,zhuyaoshizhengcexingwaizhaizhuandaikuanhekuajingrongzizulin。

chulingyoumingqueguidingwai,jingneijigoudezibenxiangmuwaihuishouruyingdangdiaohuijingnei,jingneijigoudezibenxiangmuwaihuizhichuyingdangcongjingneibanlihuichu。ruowuwaihuijurenkedezhengdangliyou,rushangwuzhuguanbumenyijingpizhundezhaizhuanguyewudeng,waihuijuyibanqingkuangxiaburenkefeizijinhuazhuanleitikuan、haibenfuxidengyishoudizhidezuofa,yifangfanzhaiwurenguibizibenxiangmuguanlizhengce。

: 资本项目信息系统中外债业务为何出现滞留数据,滞留数据应如何处理?

泛亚电竞 da: jingneiyinxingxuan“guanlianguize”shangbaoqiyewaizhaikaixiaohu、tikuan、jieshouhuijihaibenfuxidengjiaoyishuju。qizhong,“yewubianhao/hezhunjianhao/beianbianhao”weibitianxiang,waizhaiyewuyingtianxieduiyingdewaizhaiyewubianhao,jiaoyishujuyouyinxingtongguozishenyewuxitongan“jiekouchengxu”xiangwaihuijuduandeshujuzonghecaijipingtaibaosong。zaishujucunchuzhizibenxiangmuguanlixinxishujukuhou,xitongduishangbaoshujuanzhao“guanlianguize”shishixiaoyan,fuheguizedeshujushibiewei“zhengchangshuju”,bufuheguizedeshujushibiewei“zhiliushuju”。duiyuzhiliushuju,yinxingxuanzhaoguanlianguizexiugaijiaoyishujuhouzhongxinxiangxitongbaosong 。

zuozhedanwei: waihuijushanghaishifenju

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