关于资本项目外汇管理便利化政策有效实施的几点思考

Refl ections on the Eff ective Implementation of the Facilitation Policy of Foreign Exchange Administration under the Capital Account

近年来,国家外汇管理局为支持实体经济的发展,提高跨境融资的便利化水平,在多地开展了资本项目便利化试点,资本项目数字化服务试点,并陆续出台了跨国公司跨境资金集中运营管理改革、支付便利化、外汇账户精简等多项资本项目改革举措,这些创新举措不仅对于商业银行的创新发展带来新的机遇,也有助于形成全面开放新格局。银行在外汇管理方面被赋予更多的自主权,作为便利化政策的执行者,银行在政策实施过程中存在展业思路转变滞后、便利化与合规性未能有效平衡等问题,制约了便利化政策红利的释放。建议从创新合规管理方式、前移客户识别关口和实施分类管理等方面加快转变,促进便利化政策取得更多实效。

In recent years,in order to improve the ability of foreign exchange management to serve the economy and the level of cross-border investment and fi nancing facilitation,the State Administration of Foreign Exchange has successively introduced a number of capital projects such as the reform of the centralized operation and management of cross-border funds of multinational companies,payment facilitation,and simplifi cation of foreign exchange accounts.These innovative measures are of great significance to the formation of a new pattern of comprehensive opening to the outside world,and also bring new opportunities for the innovation and development of cross-border services of commercial banks.Banks are given more autonomy in foreign exchange management.As the executors of facilitation policies,banks have problems such as lag in the change of business development ideas and failure to effectively balance facilitation and compliance in the process of policy implementation,which restricts the release of facilitation policy dividends.It is suggested to speed up the transformation in terms of innovative compliance management methods,advance customer identification,and implement classified management,so as to promote the facilitation policy to achieve more practical results.