个人财产对外转移那些事儿
suizhefanyadianjingguojingjifazhanheduiwaikaifangdebufabuduanjiakuai， guominshourushuipingbuduantigao，renyuankuajingliudongbuduanyongxian……youmeiyoujuedexiaobianguanqiangfutile？!zhisuoyizheimeyibenzhengjing，shiyinweicunzaijiaoxingxinlitingerzouxianbucheng，fanerchufanwaihuiguanlifalvtiaoli，debuchangshia!
泛亚电竞 neime，gerenjileidedaliangcaifunengfouzhuanyizhijingwai？naxierenkeyishenqingduiwaizhuanyi？naxiecaichanshuyuzhuanyifanwei？xuyaoshenmeshouxu？edushifouyouxianzhi？……jintian，xiaobianhedajialailiaoyiliaogerencaichanduiwaizhuanyideneixieshier!
■哪些人可以申请财产对外转移？
分两类: 移民转移和继承转移，根据《个人财产对外转移售付汇管理暂行办法》泛亚电竞（中国人民银行公告[2004]第16号）规定:
※yiminzhuanyi: congzhongguoneidiyijuguowaibingqudeyongjiujuliuquandeziranren，huocongneidifuxianggangtebiexingzhengqu、aomentebiexingzhengqubingqudetequyongjiujuliuquandeziranren，huocongdalufutaiwandiqudingjudeziranren，keshenqingjiangqizaiqudeyiminshenfenzhiqianzaijingneiyongyoudehefacaichanbianxian，gouhuihehuichujingwai。
※jichengzhuanyi: waiguogongmin，huoqudexianggangtebiexingzhengqu、aomentebiexingzhengquyongjiujuliuquanjumin，huotaiwandiqujumin，keshenqingjiangyifajichengdejingneiyichanbianxian，gouhuihehuichujingwai。
小提示:
ganggangqudeyiminqianzheng，bukeyishenqingyiminzhuanyi。yinweishenqingrenbixuqudewaiguoyongjiujuliuquanhuoqudewaiguogongminhuoxianggangtebiexingzhengqu、aomentebiexingzhengqujitaiwandiqujuminshenfen。
■财产对外转移如何申请？
泛亚电竞 banliyiminzhuanyixuxiangyiminyuanhujisuozaidiwaihuijushenqing；
泛亚电竞 banlijichengzhuanyixuxiangbeijichengrenshengqianhujisuozaidiwaihuijushenqing。
小提示:
keyoubenrenbanli，yekeweituotarenbanli。
泛亚电竞 jichengrencongbutongbeijichengrenchujichengcaichan，kexuanzeqizhongyigebeijichengrenshengqianhujisuozaidiwaihuijuhebingshenqing。
■申请移民转移需要提交哪些材料?
泛亚电竞 genju《＜gerencaichanduiwaizhuanyishoufuhuiguanlizanxingbanfa＞caozuozhiyin（shixing）》（huifa[2004]118hao）ji《zibenxiangmuwaihuiyewucaozuozhiyinyufaguihuibian（2015ban）》，xuxiangsuozaidiwaihuijutijiao:
1.《gerencaichanzhuanyiyewushenqingbiao》，xushenqingrenhuoqidailirenqianming；
2.shenqingrenshenfenzhengmingwenjian；
3.shenqingrenshourulaiyuanzhengmingyijicaichanquanlizhengmingwenjian；
（1）gerenxinchousuode（baokuogongzihexinjinsuode、gaochousuode、laowubaochoudeng），xutijiaoyouguanshourulaiyuandezhengming；
（2）jingyingshouru（baokuosiyingyezhu、qiyegerengudong、getigongshanghushengchanjingyingsuode，duiqishiyedanweichengbao、zulinjingyingsuodedeng），xutijiaogetihujingyingshourushenbaobiao、guquanzhengminghuochengbao、zulinhetonghuoxieyiyijinengzhengmingshourulaiyuandecailiao，ruqiyecaiwubaobiao、qiyedongshihuifenpeijueyideng；
泛亚电竞 （3）zibensuodejibianxian: ①lixi、guxi、honglisuode，xutijiaocunkuanzhengming、gupiao、zhaiquankaihujijiaoyijilu，②caichanzulinsuode、caichanzhuanrangsuode、texuquanshiyongdeng，xutijiaocaichanzulin、zhuanrang、texuquanshiyongdehetonghuoxieyi，fangwuchanquanzheng，fangdichanmaimaiqiyuehuochaiqianbuchanganzhixieyishudeng；
（4）ouransuode（baokuohefadefulicaipiao、tiyucaipiaoshourudeng）jiqitacaichanhuoshouru，xutijiaozhenshijiaoyijiluzhengming。
4.shuishouzhengminghuowanshuipingzheng，youshenqingzhuanyicaichansuozaidihuoshourulaiyuandizhuguanshuiwujiguankaiju；
5.weituotarenbanlide，xutigongweituodailixieyihedailirenshenfenzhengming；
6.waihuijuyaoqiutigongdebuchongcailiao。
■申请继承转移需要提交哪些材料?
genju《＜gerencaichanduiwaizhuanyishoufuhuiguanlizanxingbanfa＞caozuozhiyin（shixing）》（huifa[2004]118hao）ji《zibenxiangmuwaihuiyewucaozuozhiyinyufaguihuibian（2015ban）》，xuxiangsuozaidiwaihuijutijiao:
泛亚电竞 1.《gerencaichanzhuanyiyewushenqingbiao》，xushenqingrenhuoqidailirenqianming；
泛亚电竞 2.shenqingrenshenfenzhengmingwenjian；
3.shenqingrenhuodejichengcaichandezhengmingwenjian；
4.beijichengcaichandequanlizhengmingwenjian；
（baokuodanbuxianyufangwuchanquanzheng、fangdichanmaimaiqiyuehuochaiqianbuchanganzhixieyi、chengbaohuozulinhetonghuoxieyi、caichanzhuanranghetonghuoxieyi、texuquanshiyongxieyihuohetongdeng）
5.shuishouzhengminghuowanshuipingzheng，youbeijichengrencaichanquanlizhengmingwenjianhebeijichengrencaichansuozaidizhuguanshuiwujiguankaiju；
6.weituotarenbanlide，xutigongweituodailixieyihedailirenshenfenzhengming；
7. waihuijuyaoqiutigongdebuchongcailiao。
小提示:
dailirenshenfenzhengming，ruodailirenweijingneijumin，tijiaojuminshenfenzhenghuoqitayouxiaoshenfenzhengming；ruodailirenweiwaiguogongminhuodingjuguowaidezhongguojigongmin，xutijiaozhongguozhuwaishilingguanrenzhenghuochujudedailirenshenfenzhengming。
泛亚电竞 shenqingrennicaichanzhuanyizaidengzhi50wanmeiyuanyixiade，wuxutijiaoshourulaiyuanzhengmingjicaichanquanlizhengmingwenjian，zhixushengminglaiyuan。
泛亚电竞 genjuguojiawaihuiguanlijuguanyujinyibugaijinhediaozhengzibenxiangmuwaihuiguanlizhengcedetongzhi（huifa[2014]2hao）guiding: weituodailixieyi、dailirenshenfenzhengming、youguancaichanquanlizhengmingwenjian，buxuyaogongzheng。
■个人财产转移业务申请表
yewubianhao:
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1.zhongwenxingming: |
泛亚电竞 2.cengyongming: |
3.xingbie: nan□ nv□ |
zhaopian 泛亚电竞 2”×2” |
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泛亚电竞 4.waiwenxingming: |
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5.chushengriqi: nian yue ri |
6.chushengdi: |
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泛亚电竞 7.guoji: |
8.cengyouheguoji: |
泛亚电竞 9.qudenaguoyongjiujuliuquan: |
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10.chihezhongzhengjian: zhengjianhaoma: fazhengjiguan: zhengjianyouxiaoqizhi: nian yue ri |
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泛亚电竞 11.shenqingzhonglei: yimincaichanzhuanyi□ jichengcaichanzhuanyi□ |
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泛亚电竞 12.shenqingjine（zheherenminbiyuan）: |
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13. gerenyimincaichanzhuanyihejichengcaichanzhuanyideyuanyinjicaichanlaiyuanqingkuangjieshao:
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14.gerenyimincaichanzhuanyi |
泛亚电竞 （1）shenqingrenyouwufanzuijilu，shifoushejizhengzaijinxingdexingshi、minshisusong？ruyou，qingxiangxishuoming: 泛亚电竞 |
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（2）yiminqianhujisuozaidi: |
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泛亚电竞 （3）yiminqiangongzuodanwei: |
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（4）gerenyimincaichanzhuanyideshenqingrenyiminqianshifouweiguojiagongzhirenyuanjiqijinqinshu？ 泛亚电竞 shi□ fou□ |
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泛亚电竞 15.fanyadianjingjinshengming，fanyadianjingyirushihewanzhengditianxieleshangshuneirong，bingduisuotianxieneirongfufalvzeren。 shenqingrenhuodailirenqianming: riqi: nian yue ri |
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■申请人身份证明文件具体指什么？
泛亚电竞 genju《＜gerencaichanduiwaizhuanyishoufuhuiguanlizanxingbanfa＞caozuozhiyin（shixing）》（huifa[2004]118hao）guiding:
※yiminzhuanyishenqingrenshenfenzhengmingwenjian:
1.shenqingrenqudewaiguoyongjiujuliuquandezhongguojigongmin，tigong:
（1）youxiaodezhonghuarenmingongheguohuzhaohuojuzhuguobanfadewaiqiaozhengdengqitayouxiaoshenfenzhengming；
（2）zhongguozhuwaishilingguanchuju（huorenzheng）deshenqingrenzaiguowaidingjuzhengming；
2.shenqingrenqudewaiguogongminshenfen，tigong:
泛亚电竞 （1）shenqingrenjuzhuguojuminshenfenzhenghuoqitayouxiaoshenfenzhengming（ruhuzhao）；
（2）zhongguozhuwaishilingguanrenzhengdeshenqingrenzaiguowaidingjuzhengming；
泛亚电竞 3.shenqingrenshixianggangtebiexingzhengqu、aomentebiexingzhengqujumin，tigong:
（1）xianggangtebiexingzhengqu、aomentebiexingzhengqu（yongjiu）juminshenfenzhenghuoqitayouxiaoshenfenzhengming；
（2）huixiangzhenghuotequhuzhao；
4.shenqingrenshitaiwandiqujumin，tigong:
泛亚电竞 （1）taiwandiqujuminshenfenzhenghuoqitazaitaiwandiqujuzhudeyouxiaoshenfenzhengming；
（2）dalujuminwanglaitaiwantongxingzhenghuoqitachurujingzhengjian；
※jichengzhuanyishenqingrenshenfenzhengmingwenjian:
泛亚电竞 1.ruoshenqingrenshiwaiguogongmin，tigong:
（1）shenqingrenchiyoudewaiguohuzhaohuoqitazhengmingqiguojidezhengmingwenjian；
泛亚电竞 （2）shenqingrenjuzhuguojuminshenfenzhenghuoqitayouxiaoshenfenzhengming；
（3）zhongguozhuwaishilingguanrenzhengdeshenqingrenzaigaiguodingjuzhengming。
2.ruoshenqingrenshixianggangtebiexingzhengqu、aomentebiexingzhengqujumin，tigong:
泛亚电竞 （1）xianggangtebiexingzhengquhuoaomentebiexingzhengqude（yongjiu）juminshenfenzhenghuoqitayouxiaoshenfenzhengming；
泛亚电竞 （2）huixiangzhenghuotequhuzhao。
3.ruoshenqingrenshitaiwandiqujumin，tigong:
（1）taiwandiqujuminshenfenzhenghuoqitazaitaiwandiqujuzhudeyouxiaoshenfenzhengming；
泛亚电竞 （2）taiwanjuminwanglaidalutongxingzhenghuoqitachurujingzhengjian。
■税收证明或完税凭证怎么开？
genjuguojiashuiwuzongju、guojiawaihuiguanlijuguanyugerencaichanduiwaizhuanyitijiaoshuishouzhengminghuozhewanshuipingzhengyouguanwentidetongzhi（guoshuifa[2005]13hao）guiding:
shenqingrenancaichanleibiehelaiyuandi，fenbiexiangguoshuiju、dishuijushenqingkaijushuishouzhengming，xutijiao:
泛亚电竞 （1）《koujiaogerensuodeshuibaogaobiao》fuyinjian；
（2）《getigongshanghusuodeshuiniandushenbaobiao》、《gerenchengbaochengzujingyingsuodeshuiniandushenbaobiao》yuanjian；
（3）youguanhetong、xieyiyuanjian；
（4）qudeyouguansuodedepingzheng；
（5）shuiwujiguanyaoqiubaosongdeqitayouguanziliao。
小提示:
shenqingrenfashengcaichanbianxiande，yingtigongjiaoyihetong、fapiaodengziliao。
shenqingrenyouweiwanshuishixiangde，xububanshenbaonashui。
nizhuanyidecaichanzongjiazhizairenminbi15wanyuanyixia，huonizhuanyidecaichanyiqudewanshuipingzheng，buxuxiangshuiwujiguanshenqingshuishouzhengming。
■资金汇出时有什么要求？
根据《个人财产对外转移售付汇管理暂行办法》（中国人民银行公告[2004]第16号）及国家外汇管理局关于进一步改进和调整资本项目外汇管理政策的通知（汇发[2014]2号）规定:
caichanduiwaizhuanyijineyousuozaidiwaihuijushenpi。pizhunhou，suozaidiwaihuijuxiangshenqingrenchuju《zibenxiangmuwaihuiyewuhezhunjian》，shenqingrenchi《zibenxiangmuwaihuiyewuhezhunjian》daodangdiwaihuizhidingyinxingbanligoufuhuishouxu，yinxingkezaishenpieduneihuichuxiangguanzijin。
小提示:
yibanqingkuangxia，yizhanghezhunjianeduyingyicihuichu，qiekeyishenqingduozhanghezhunjian。
weituotarenbanlide，xutigongweituodailixieyi、dailirenshenfenzhengming。
waihuizhidingyinxingbanlishouhuihou，zhijiejiangwaihuihuiwangyiminhuojichengrenjuzhuguohuodiqushenqingrenbenrendezhanghu，budezaijingneitiquwaibixianchao。
caichanzhuanyizongjinechaoguodengzhirenminbi50wanyuan，buzaibaoguojiawaihuiguanlijubeian。
■境内个人继承了一笔境外遗产，如何结汇?
泛亚电竞 waihuijuduiyujingneigerenjiehuishixingnianduzongeguanli，meirenmeinianweidengzhi5wanmeiyuan。
泛亚电竞 ruguogaibiyichanjinezainianduzongeyinei，pingbenrenyouxiaoshenfenzhengjianzhijiezaiyinxingbanli；ruchaoguonianduzonge，xupingyichanjichengfalvwenshuhuogongzhengshuzaiyinxingbanli。
■什么情况下外汇局不予受理对外转移申请？
根据《个人财产对外转移售付汇管理暂行办法》泛亚电竞（中国人民银行公告[2004]第16号）规定: 对外转移的财产应是申请人所有的合法财产，且不得与他人有权益的争议。
yixiaqingkuang，waihuijujiangbuyushouliduiwaizhuanyishenqing:
sifa、jianchadengbumenyifaxianzhiduiwaizhuanyidecaichan；
shejiguoneixingshi、minshisusonganjiandecaichan（anjianshenjieqian）；
falvguidingbudeduiwaizhuanyidecaichan、bunengzhengminghefalaiyuancaichandeng。
小提示:
泛亚电竞 zijinzhuanyijingwaiqian，shouxianyaoqude“hefashenfen”。duiyuweiwanshuidezijin，yaotongguohefaqudaobianweiwanshuizijin；cunzaiguansijiufendezichan，yaojinkuaijiejuejiufen。
shejiguoneixingshi、minshianjianrenyuandejinqinshushenqingduiwaizhuanyicaichan，xutigonganjianguanxiajiguanchujudegaicaichanyuanjianwuguandezhengming。
泛亚电竞 shejiguojiagongzhirenyuanjiqijinqinshu，shenqingjinechao100wanyuanrenminbide，suozaidiwaihuijukexiangxiangyingjibiedejianchabumenjinxingxunzheng。
duidaekeyihuoshexianfeifazhuanyideshenqing，suozaidiwaihuijukexiangxiangyingjibiedegongan、sifabumenjinxingxunzheng。
小编提醒大家
提供虚假材料或以同一财产重复提出申请等手段
非法套取外汇或骗购外汇
将被处罚！！！
泛亚电竞 falvyiju: 《zhonghuarenmingongheguowaihuiguanlitiaoli》disishitiaoguiding，youweifanguidingyiwaihuishoufuyingdangyirenminbishoufudekuanxiang，huozheyixujia、wuxiaodejiaoyidanzhengdengxiangjingyingjiehui、shouhuiyewudejinrongjigoupiangouwaihuidengfeifataohuixingweide，youwaihuiguanlijiguanzelingduifeifataohuizijinyuyihuidui，chufeifataohuijine30%yixiadefakuan；qingjieyanzhongde，chufeifataohuijine30%yishangdengzhiyixiadefakuan；gouchengfanzuide，yifazhuijiuxingshizeren。
此外
不是移民转移、也不是继承转移，但想投资移民或海外置业，
采取“化整为零”、“内保外贷”或“内存外贷”等“招数”
将巨额资金转移至海外
存在重大的风险与隐患！！！
falvyiju: 《zhonghuarenmingongheguowaihuiguanlitiaoli》disanshijiutiaoguiding，youweifanguidingjiangjingneiwaihuizhuanyijingwai，huozheyiqipianshouduanjiangjingneizibenzhuanyijingwaidengtaohuixingweide，youwaihuiguanlijiguanzelingxianqidiaohuiwaihui，chutaohuijine30%yixiadefakuan；qingjieyanzhongde，chutaohuijine30%yishangdengzhiyixiadefakuan；gouchengfanzuide，yifazhuijiuxingshizeren。
小编再多叨叨两句
jinqijingneijumingoumaijingwaibaodandehuatireduyirangaozhang，zhongguoyinliancenggongkaibiaoshi，yixiebaoxiangongsiyunxuzhongguoneidikehushuazhongguoyinlianxinyongkahuojiejikagoumaibaodanjineyuanyuangaoyu5000meiyuandejingwaibaoxian。
变相采用银联刷卡购买大额此类保险，规避外汇局5万美元的个人购汇额度，将资产转移出境、进行资产配置。（赴香港买保险与资产对外转移，这关系请自行脑补。）
duici，yinliantebiegongkaiqiangdiao，xianggangbaoxianyizhishuyujingwaixianzhileishanghuleibie，chijingneiyinxingkajunyoudanbi5000meiyuanxiane。
泛亚电竞 waihuijuyecenggongkaibiaoshi，jingneijumingerendaojingwailvxing、shangwuhuodong，haiyouliuxuedeng，fanyadianjingmaoyixiangxiadebaoxianleichanpinkeyimai，xianxingdewaihuiguanlizhengcekuangjiashiyunxuhezhichide，ru: gerenderenshenyiwaixian、jibingbaoxian、lvyouxian。danshi，shuyujinronghezibenxiangxiadejiaoyi，xianxingdewaihuiguanlizhengcehefaguiweimingqueyunxu，ru: renshoubaoxianhetouzifanhaifenhongleibaoxian。
zhongguojingneijumingerendaojingwaigoumaixiangguandebaoxian，yaofuhezhongguobaoxianjianduguanlibumendezhengceguiding，tongshi，yeyaofuhewaihuiguanlizhengcedeyouguanguiding。
jinnian4yue，baojianhuiguanwangfachu《guanyuneidijuminfuganggoumaibaoxiandefengxiantishi》，tishixianggangbaodanbushouneidifalvbaohu、cunzaihuilvfengxianhewaihuizhengcefengxian、baodanshouyicunzaibuquedingxing，yijituibaosunshidengduoxiangfengxian。
泛亚电竞 muqian，kaokuajingbaoxian“taoli”dexingweizhengzaishoudaoezhi。
泛亚电竞 buyaohuanxiangmeiyoubeiqianshuguidingliemingdexingwei，jiukeyiduobixiangyingdechufa。yinwei《gerenwaihuiguanlibanfashishixize》（huifa[2007]1hao）disanshijiutiaoguiding，“duiyu《waihuiguanlitiaoli》jiqitaxiangguanguidingmeiyoumingqueguidingde，duiyinxinghegerenyingfenbiechuyirenminbi3wanyuanhe1000yuanyixiadefakuan。”
zheijiuyiweizhe，yidanbeiyouguanbumenchashiweifanleshangshuguiding，bujinbunengdadaohaiwaitouzi、yimindemude，haihuibeichuyixiangyingdefakuan。
相关法规依据:
（1）zhonghuarenmingongheguowaihuiguanlitiaoli（guowuyuanling2008niandi532hao）；
（2）gerencaichanduiwaizhuanyishoufuhuiguanlizanxingbanfa（zhongguorenminyinxinggonggao[2004]di16hao）；
泛亚电竞 （3）guojiawaihuiguanlijuguanyuyinfa《gerencaichanduiwaizhuanyishoufuhuiguanlizanxingbanfa》caozuozhiyin（shixing）detongzhi（huifa[2004]118hao）；
泛亚电竞 （4）guojiawaihuiguanliju、waijiaobu、gonganbu、jianchabu、sifabuguanyushishi《gerencaichanduiwaizhuanyishoufuhuiguanlizanxingbanfa》youguanwentidetongzhi（huifa[2005]9hao）；
（5）guojiashuiwuzongju、guojiawaihuiguanlijuguanyugerencaichanduiwaizhuanyitijiaoshuishouzhengminghuozhewanshuizhengmingyouguanwentidetongzhi（guoshuifa[2005]13hao）；
（6）guojiawaihuiguanlijuguanyudiaozhengbufenzibenxiangmuwaihuiyewushenpiquanxiandetongzhi（huifa[2009]21hao）；
（7）guojiawaihuiguanlijuguanyujinyibugaijinhediaozhengzibenxiangmuwaihuiguanlizhengcedetongzhi（huifa[2014]2hao）。
