泛亚电竞

透视NRA账户

发布:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 2014-09-10 13:51 来源:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 《金融&贸易》2015年第2期 作者:林跃伟
通过对NRA账户的适当运用,可以满足客户更高层次的需求,但银行仍应将风险防控放在第一位,并注意厘清与业务相关的政策细节。

泛亚电竞 jingwaijigoujingneizhanghu,yechengnrazhanghu(nra,non-resident account),zhizaijingwai(hanzhongguoxianggang、aomenhetaiwandiqu)hefazhucechenglidejingwaijigouzaijingneikailidewaibihuorenminbijiesuanzhanghu。muqianyunrazhanghuxiangguandeguidingzhuyaoshiguojiawaihuiguanlijuyu2009nianfabude《guanyujingwaijigoujingneiwaihuizhanghuguanliyouguanwentidetongzhi》(huifa〔2009〕29hao)(yixiajiancheng“29haowen”),yijizhongguorenminyinxingyu2010nianfabude《jingwaijigourenminbiyinxingjiesuanzhanghuguanlibanfa》(yinfa〔2010〕249hao)。zheilianggebanfadechutaiguifanlenrazhanghudeguanli,zaituidongmaoyiyutouzibianlihuadetongshiyeyouxiaodifangfanlejinrongfengxian。youyujingwaijigouzaijingneikaihudexianzhibeifangkuan,nrazhanghudeyewudeyixunmengfazhan,zaikuajingjiaoyishangbeiguangfanshiyong。yuyibandejiesuanzhanghuxiangbi,youyunrazhanghudeteshuxingzhi,xiangguanguizhangduiyunrazhanghudeyongtuyeyouzhejiaoweixiangxideguiding,yincijingneiyinxingxuyaozixijiayiliqing,bingzaibanlijutiyewudeguochengzhongzhuyibakongxiangguanxijie,qieshifangfanfengxian。

基本用途

NRA外币账户

29haowenduinrawaibizhanghudeshiyongyuyilejiaoweimingquedeguifan。anzhaogaiguiding,nrawaibizhanghudekaihubushoubizhongheshuliangdexianzhi,tongshizaikaihuyingshenheziliaoshangzhiguidingjingneiyinxingyingdangshenhejingwaijigouzaijingwaihefazhucechenglidezhengmingwenjiandengkaihuziliao,qitadezejiaoyoujingneiyinxingzunxunlejiekehuyuanze,anzhaozishendeneikongchengxulvxingshenhezeren。zainrawaibizhanghushiyongshang,duiyujingneijigouhejingneigerenyunrawaibizhanghuzhijiandewaihuishouzhi,anzhaokuajingjiaoyijinxingguanli,youjingneiyinxingtongguoshenhejingneijigouhejingneigerendeyouxiaoshangyedanjuhepingzhengquebaowaihuishouzhideheguixing;duiyunrawaibizhanghucongjingneiwaishouhui、xianghuzhijianhuazhuan、yulianzhanghuzhijianhuazhuanhuozhexiangjingwaizhifudeqingxing,jingneiyinxingkeyigenjukehuzhilingdengzhijiebanli(lingyouguidingdechuwai)。ciwai,weijingzhucesuozaidiguojiawaihuiguanlijufenju、guanlibupizhun,budecongnrawaibizhanghucunquwaibixianchao,budezhijiehuozhebianxiangjianggaiwaihuizhanghuneidezijinjiehui。bingqieyunrarenminbizhanghubutong,chuwaihuijulingyouguidingwai,nrawaibizhanghudezijinyuexunarujingneiyinxingdeduanqiwaizhaizhibiaoguanli,jingneiyinxingkeyijiangzhanghuneidezijinnaruqijingyingtoucunanzhaoshangyeguanlitongyiyunyong,binganguidingjiaocuncunkuanzhunbeijin。ciwai,nrawaibizhanghuneidezijinyekeyicunweidingqihuozhejiegouxingcunkuan,lilvanguidingzunxunshangyeguanliyueding。

NRA人民币账户

泛亚电竞 duiyunrarenminbizhanghudeguifan,muqianzhuyaotixianzaiyukuajingrenminbixiangguandeduoxiangguidingzhong。zongtishangjiaoweikuansong,yigulichuangxinweizhu,yurenminbiguojihuadezhuliudaoxiangxiangpipei。

yunrawaibizhanghubutong,jingwaijigoushoucikailinrarenminbizhanghu,yingyoujingneiyinxingjiangkaihushenqinghekaihuziliaobaosuozaidirenminyinxinghezhunhou,zaiweijingwaijigoukailijibencunkuanzhanghu,tongshinrarenminbizhanghuhaishixingnianjianzhidu。

zainrarenminbizhanghudeshiyongshang,xianjieduannrarenminbizhanghudeshourufanweizhuyaobaokuojingchangxiangmuxiaderenminbijiesuanshouru,zhengcemingqueyunxuhuojingpizhundezibenxiangmurenminbishouru,yijikuajingmaoyirenminbirongzikuanxiangdeng;ernrarenminbizhanghudezhichufanweizebaokuojingchangxiangmuxiadejingneirenminbijiesuanzhichu,zhengcemingqueyunxuhuojingpizhundezibenxiangmurenminbizhichu,yijikuajingmaoyirenminbirongzilixijirongzikuanxiangdeguihaideng。

泛亚电竞 xuyaotebiezhuyideshi,nrarenminbizhanghucongtongmingjingwaizhanghushoukuanyucongtongmingnrarenminbizhanghushoukuanzaicaozuoshangyousuoqubie。ruguonrarenminbizhanghucongtongmingjingwaizhanghubanlirenminbishoukuan,suiranbushuyukuajingrenminbijiesuangainian,danshijingneiyinxingyeyinggaizhixingzhanyesanyuanze,xuduiqijiaoyizhenshixingjinxingshizhixingshenhehoucainengyuyibanliruzhangshouxu。erruguonrarenminbizhanghushicongtongmingnrarenminbizhanghubanlirenminbishoukuande,zejingneiyinxingzaiquerenzhenshixinghoujiukeyizhijiebanliruzhangshouxu。

zainrarenminbizhanghudezijinhuazhuanshang,jingneijigouyunrarenminbizhanghuzhijiandezijinshouzhianzhaorenminbikuajingjiaoyiguanlideyouguanguidingbanli,erduiyunrarenminbizhanghuxiangjingwaihuazhuan,yijinrarenminbizhanghuzhijiandehuazhuan,jingneiyinxingzekeyigenjujingwaijigoudezhilingzhijiebanli(lingyouguidingdechuwai)。

ciwai,duiyunrarenminbizhanghu,jingneiyinxingweijingrenminyinxingpizhunbudeweikaihurenbanlixianjinyewu,duiyuliucunzainrazhanghuzhongderenminbizijin,jingneiyinxingkezaijinxingneibuxinxidengjihou,anzhaonrazhanghuchiyourenzhilingyaoqiuduihuanchengwaihuihou,zhijiehuidaojingwaiwaibijiesuanzhanghuhuojingneidelianzhanghu,binganzhaoyouguanguidingbaosongjieshouhuihetoucuntongjidexiangguanxinxi。

NRA账户与OSA账户的区别

zuoweitongyangfanyadianjingyufeijumindezhanghu,nrazhanghuyuosazhanghu(lianzhanghu)congbiaomianshangkanyouzhuduoxiangsizhichu,danqishirengyouzhebijiaomingxiandechayi: yishicongkaihurenlaikan,nrazhanghudekaihurenweizaijingwai(hanzhongguoxianggang、aomenhetaiwandiqu)hefazhucechenglidejigou,erosazhanghudekaihurenzemianxiangfeijumin,baokuozaijingwai(hanzhongguoxianggang、aomenhetaiwandiqu)deziranren、faren(hanzaijingwaizhucedezhongguojingwaitouziqiye)、zhengfujigou、guojijingjizuzhiyijiqitajingjizuzhi,baokuozhongzijinrongjigoudehaiwaizhichijigou,danbubaokuojingneijigoudejingwaidaibiaojigouhebanshijigou;ershicongkaihuyinxinglaikan,nrazhanghudekaihuyinxingyingweiyifajuyouxishougongzhongcunkuan、banliguoneiwaijiesuandengyewujingyingzigedejingneiyinxing,osazhanghudekaihuyinxingzeweiyifaqudelianyinxingyewujingyingzigedejingneiyinxing;sanshicongzhanghushibielaikan,nrazhanghudezhanghaoqiantongyibiaozhunra(non-residentaccount),erosazhanghudezhanghaoqianzetongyibiaozhuosa(offshoreaccount);sishicongtoucunguanlilaikan,nrawaibizhanghuneidezijinnaruyinxingwaizhaizhibiaoguanli(renminbizhanghubunaru),bingqieanguidingjiaocuncunkuanzhunbeijin,erosazhanghuneidezijinbunaruyinxingwaizhaizhibiaoguanli,bujiaocuncunkuanzhunbeijin;wushicongshouzhifanweilaikan,nrazhanghudeshouzhifanweishoudaoyidingdexianzhi,osazhanghudeshouzhifanweizejiaoweikuanfan,yunxuziyoujinchu。

应用案例

泛亚电竞 zaishijiyingyongzhong,jingneiyinxingchuleweikehubanlizijinshoufuwai ,haikeyijiangn r a zhanghuqianrujiesuanliuchengzhong,tongguogezhongchanpinzuhe,manzukehugenggaocengcidexuqiu。yixiashilianggenrazhanghudeyingyonganli。

案例1: NRA福费廷业务

zaigaixiangyewuzhong,jingneijigoui(jinkoushang)yujingwaijigoue(chukoushang)junkaihuyutongyijiajingneiyinxingb,qizhongdejingwaijigouekaililenrazhanghu。jingneijigouitongguokaihuxingbkailiyuanqijinkouxinyongzhengbingtongzhilejingwaijigoue。jingwaijigoueanhetongjixinyongzhengyaoqiufahuohouzaikaihuxingbjiaodanbingshenqingrongzi。kaihuxingbyikaizhengxingdeshenfenchengduileyuanqixinyongzheng,tongshiyouyiyifuxingdeshenfenduijingwaijigouezuolefufeitingrongzi。tongguoshangshucaozuo,maimaishuangfangdejiaoyisududedaolejidadetigao,erjingwaijigouezekeyitiqianshouhuiyuanqixinyongzhengxiangxiadehuokuan(jiantu1)。tongshi,ruguoyinxingbbiaoneixindaiguimoyouxiandehua,haikeyijiangqimairudefufeitingjishizhuanmaijiqitayinxing,youqitayinxingtigongrongzijijingwaijigou e(jiantu2)。

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tu1 nrafufeitingyewuliuchengtu

 

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tu2 nrafufeiting(zhuanmai)liuchengtu

 

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tu3 jiagongmaoyinrazhanghurongziyewuliuchengtu

 

案例2: 利用NRA账户为加工贸易企业实现全额收支管理

zai2012nianquanmianshixianhuowumaoyiwaihuiguanligaigezhiqian,jinliaojiagongmaoyiqiyedaduoshucaiquchaejiesuanfangshihuozhebufenquane、bufenchaedejiesuanfangshi。zhisuoyizheiyangzuo,yifangmianshijianshaoqiyeyingyunzijindezhanyong,jiangdijingyingchengben;lingyifangmianzeshizhiqiandewaihuiguanlizhengceyunxujinliaodikouhexiao,qiyechaeshouhui。zaixindehuowumaoyiwaihuiguanlizhengcechutaihou,anzhaojinchukouhuowuliuyushoufuhuizijinliupipeidehechajizhi,caiquchaejiesuanfangshidejinliaojiagongmaoyiqiye,jianghuizaikeguanshangmianlinjinchukouhuowuliuyushoufuhuizijinliuyanzhongbupipeidewenti。duiyumeiyouweiguijingyingxingweideqiyeeryan,duiruhejiejueshangshudebupipeiyouzhebijiaoqiangliedexuqiu。jianyuci,bufenjingneiyinxingweijiagongmaoyiqiyetuichule“jiagongmaoyinrarongtongyewu”,yibangzhujiagongmaoyiqiyecongchaeshouhuixiangquaneshoufuhuizhuanbian。zaigaixiangyewuzhong,jiagongmaoyiqiyejiqijingwaikehuzaitongyijiajingneiyinkaihu,qizhongdejingwaikehukaililenrazhanghu,jingneiyinxingzeanzhaojiagongmaoyiqiyejinkouliaojianyingfujinetigongjinkoufukuanrongzi,zhifuzhiqijingwaikehuzaijingneiyinxingkailidenrazhanghu,bingjishitongguojingwaikehunrazhanghukouhuajiagongmaoyiqiyeyingshoudechukouzhichengpinhuokuan,ranhouyouxianyongyuguihaijingneiyinxingzhiqianweiqitigongdejinkourongzi,ruyouyukuan,guijiagongmaoyiqiyezhipei(jiantu3)。shangshuzijinshoufucaozuozaiyigegongzuorineijikewancheng,yincirongziyewuxuzhifulixi。tongguojiagongmaoyinrarongtongyewu,duiyujiagongmaoyiqiye,zaibuzengjiaqizijinzhanyongdeqiantixiashixianlequaneshoufuhui,qijinchukouhuowuliuheshoufuhuizijinliukeyipipei。duiyujingwaikehu,gaixianganpaishizhishangbingmeiyougaibianqiyuanlaidejiesuanfangshi,yemeiyouzengjiaqizijinzhanyong。

泛亚电竞 chuleyishangliangxiangchangjianyewuwai,muqianbufendiquyezaikaizhanweinrawaibizhanghuchiyourenkailiquanebaozhengjinjinkouxinyongzhengyewu。qizhong,anjianguanbumendepifuyaoqiu,yuanqixinyongzhengxiangxiayewuyaoanxianxingyinxingyuanqixinyongzhengguanlifangshibanliwaizhaidengji,chaochu90tianyishangdeyuanqixinyongzhenghaixunaruyinxingdeduanqiwaizhaizhibiaoguanli。

业务思考

zainrazhanghuweimaoyiyutouzitigongjiesuanbianlidetongshi,kehuyibujinjinmanzuyujiandandezijinjiesuan,ershixiwangnengjiezhunrazhanghuweiqitigongxindaizhichi,congermanzuqirongzidexuqiu。erjingneiyinxingyexiwangtongguonrazhanghuzheiyipingtai,wei“zouchuqu”qiyedejingneiwaiguanlianqiyetigongyilanzijinrongfanyadianjing,zengqiangkehuzhanxing,tuozhanyewuzengzhangdian。buguo,kaolvdaoyewudezhengceheguixing,jingneiyinxingzaiyewuchuangxinyutuijinzhongrengxuzhuyiyixiawenti。

guanyuduinrazhanghuchiyourenfafangdaikuan。jingneiyinxingduinrazhanghuchiyourenfafangdaikuan,shuyuyinxingyejinrongjigoudejingwaidaikuan。anzhaoxianxingdexiangguanguiding,yinxingyejinrongjigouzaijingpizhundejingyingfanweineikeyizhijiexiangjingwaitigongshangyedaikuan。youcikanlai,duinrazhanghuchiyourenfafangdaikuanyinggaishuyukexingdecaozuo。danzhidezhuyideshi,“zaijingpizhundejingyingfanweinei”jikeyilijieweijingneiyinxingzaixianyouyijingpizhundejingyingfanweineijiukeyizhijiebanlijingwaidaikuan,yekeyilijieweijingyingjingwaidaikuanxuxianjingpizhun,bingzaizhidingfanweineibanli。yinciyinxingzaikaizhanyewudeguochengzhong,youbiyaoduigaiwentixianyuyiliqing。

泛亚电竞 jinyibulaikan,zhongziyinxingfafangdaikuanxuzunxunrenminyinxingbanbude《daikuantongze》,er《daikuantongze》dishiqitiaoduijiekuanrenyouyoumingquedeguiding,cixiangguidingjiangjiekuanrendezigexianzhizailejuminfanweinei,erruguoshiduifeijumintigongdaikuan,zhiyouwaiziyinxinghejiaotongyinxing、zhaoshangyinxing、pinganyinxing、shanghaipufayinxingzheisijiahuodelianyinxingpaizhaodejigoukeyikaizhan。bingqieduiyusijiahuodelianyinxingpaizhaodejigou,yezhinengshiyixishouyufeijumindezijinfanyadianjingyufeijumin。

kaolvdaomuqianzaijutishejinrazhanghudeguizhangzhong,chulekuajingrenminbijiesuanyewudexiangguanguidingyunxujingneijiesuanyinxingkeyixiangjingwaiqiyetigongrenminbimaoyirongzi,rongzijineyijingneiqiyeyujingwaiqiyezhijiandemaoyihetongjineweixianzhiwai,bingwuzhijieyujingneiyinxingxiangnrawaibizhanghuchiyourenkaizhanjingwaidaikuandexiangguantiaowen。yinci,shiwuzhongjingneiyinxingruoxiwangtongguonrazhanghukaizhanjingwaidaikuan,chuyuheguixingdekaolv,rengxuxianyudangdijianguanjigouxiangxigoutong,zaiquanmianlejiejutishishidejianguanzhengcehouzaizuopanduan。

泛亚电竞 guanyuyinrazhanghuneizijintigongdanbao。guanyuyinrawaibizhanghuneizijintigongdanbao,muqianyimingquedeshiyinrawaibizhanghuzijinzuoweijingneijigoucongjingneiyinxinghuodedaikuandezhiyawude,anzhaowaibaoneidaidexiangguanguidingbanli;eryinrarenminbizhanghuneizijintigongdanbaode,anzhaoxiangguanguiding,jingwaijigoukejiangnrarenminbijiesuanzhanghuzijinyongzuojingneizhiyajingneirongzi。danxuyaozhuyideshi,shiwuzhong“yongzuojingneizhiyajingneirongzi”jikelijieweixiangjingneijigouderongzitigongzhiya,yekelijieweixiangjingwaijigouzishenderongzitigongzhiya。ruguoshiweijingneijigouderongzitigongzhiya,neijiushiyushangshunrawaibizhanghuneizijintigongzhiyatongdengchuli,erruguoshiweijingwaijigouzishenderongzitigongzhiya,neiyouhuidaolekuajingdaikuandewentishangle。

泛亚电竞 zongdelaikan,nrazhanghudeshiyongguifanmingque,jingneiyinxingzaiyewuchulizhong,yingdangzunxun“lejieyewu、lejiekehu、jinzhishencha”deyuanze,anzhaogexiangguizhangbanlixiangguanyewu,tebieshiyangeshenhenrzhanghukaihurendeshenfenyijiqizijinshoufudejiaoyibeijingzhenshixinghehefaxing,fangzhinrazhanghuchengweiyichangzijinkuajingliudongjixiqiandengdequdao。jutilaikan,yinxingyingzhezhongzuohaoyixiajigefangmiandegongzuo: yishiconglejiekehurushou,zaikaihushiyangeshenchajingwaijigoushenfenjiqikaihuziliaodezhenshixinghehefaxing,lejiejingwaijigoushifouyuxiangguanjingneijigoucunzaiguanlianguanxi,bingzairihoufashengguanlianjiaoyishijiaqiangjiaoyibeijingshencha;ershiduikehutijiaodejiaoyishenqingyaojinxinghelixingshencha,lejieyewudejiaoyimudehejiaoyixingzhi,bingjucicaiquguankongcuoshi;sanshijiaqiangjinrongchuangxindeheguiguanli,bawohaochuangxinyuheguidepinghengguanxi。tebieshiduiyuyousuokunhuodezhengcexijie,yingjijizhudongdiyujianguanbumenjinxinggoutong,zaixianxingjianguankuangjiaxiajinxingchanpinheyewutuiguang,fouzeyingdaiyouguanzhengcemingquehoufangkebanli,bingqieduichuangxinyewuyaojianlizhongjianzhidu,dingqijinxingfengxianpinggu,duichuxiandexinwentijishichaloubuque。

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泛亚电竞_泛亚电竞app怎么下载-官网APP下载1

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