中国官方新规:5000元跨境汇款必须查身份!
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.58cammp.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">2025年8月4日，中国人民银行、国家金融监督管理总局、中国证监会联合发布《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法（征求意见稿）》，面向社会公开征求意见，截止日期为2025年9月3日。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">文件一亮相，就把</span><strong style="box-sizing: border-box;"><span style="color: #f96e57; text-decoration: underline 2px solid #000000; box-sizing: border-box;"><span style="font-size: 15px;">“往境外汇款”</span></span></strong><span style="font-size: 15px;">推到了聚光灯下：</span><strong style="box-sizing: border-box;"><span style="color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">单笔跨境汇款金额达到人民币5000元，或外币等值1000美元及以上，金融机构必须核实汇款人身份，并将关键信息随款项一并传递到境外接收机构。</span></span></strong></p></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/FqCGOb9arNdtD90C6W805IkIBUL9" alt="图片" /></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/Fqh129JcW2rhGiDyLmn0mM_jHY2O" alt="图片" /></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/FjBHJ1Z-SuZNJjaq_m8dWyd7ph7L" alt="图片" /></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/FksJd-AwgamrBV-wfPe8He7tagvD" alt="图片" /></section></section><section style="line-height: 2; box-sizing: border-box;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="background-color: #ffca00; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;"> 小额跨境也要“看清楚人”和“带上信息” </span></strong></span></p></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;">触发门槛</span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"> </strong></span></p><ul class="list-paddingleft-1" style="list-style-type: disc; box-sizing: border-box; padding-left: 20px; list-style-position: outside;"><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">单笔向境外汇款达</span><strong style="box-sizing: border-box;"><span style="color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">人民币5000元或外币等值1000美元</span></span></strong><span style="font-size: 15px;">及以上，必须进行客户身份核实。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">这意味着触发核验的门槛由此前市场熟悉的1万美元大幅下调到1000美元。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li></ul><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;">必须核验/留存/传递的信息</span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"> </strong></span></p><ul class="list-paddingleft-1" style="list-style-type: disc; box-sizing: border-box; padding-left: 20px; list-style-position: outside;"><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">汇款人和收款人的姓名或名称、账号、住所等基本要素。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">若汇款人未在该机构开户，还需登记身份证明文件编号、联系方式等足以追踪交易的信息。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">以上资料不仅要在系统/凭证中保存，还要随汇款信息传递给境外接收机构。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">客户身份资料在业务关系或一次性金融服务结束后至少保存10年；交易记录自交易结束后至少保存10年。</span></p></li></ul></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/FvEj_6r2xFk0RvP5sHJRY5uQbSLj" alt="图片" /></section><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">金额不到门槛也可能被查</span></span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"> </span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">即便低于5000元或1000美元，只要机构认定存在洗钱或恐怖融资嫌疑，仍要核实身份；必要时一分钱的转账也可能被拦下。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;">覆盖范围更广</span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"> </strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">不仅是银行。</span><strong style="box-sizing: border-box;"><span style="font-size: 15px;">非银行支付机构、预付卡发行方、网络小额贷款公司等</span></strong><span style="font-size: 15px;">也被明确纳入反洗钱义务范围。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">一次性出售不记名预付卡1万元以上需实名登记。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;">中间行与收款行的责任</span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"> </strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">作为跨境汇款中间机构，金融机构应完整传递汇款人/收款人信息，识别是否缺失；对资料不全的款项，可补充、暂停或拒绝处理。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">接收境外汇入的机构若发现信息缺失，应要求境外机构补齐；若汇款人未在境外机构开户、无法登记账号，可登记其他相关信息以确保可追踪。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/Fl36T4yXpx4Fmb70Vw7EHfaS8o07" alt="图片" /></section></section><section style="line-height: 2; box-sizing: border-box;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="background-color: #ffca00; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;"> 对境内大额“柜面类”交易的配套要求 </span></strong></span></p></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">征求意见稿还同步明确：</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><strong style="box-sizing: border-box;"><span style="color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">在现金汇款、现钞兑换、票据兑付、实物贵金属买卖、销售金融产品等一次性金融服务中，交易金额人民币5万元或外币等值1万美元及以上</span></span></strong><span style="font-size: 15px;">，应开展客户尽职调查，登记身份基本信息并留存证件复印件或影印件。</span></p></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/FkQPYMGky5HjcWzvf4lfQLbJ3A6c" alt="图片" /></section></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">同时，草案取消了2022年版规则中关于个人办理单笔5万元以上现金存取需“了解并登记资金来源或用途”的硬性要求。需要注意的是，取消的是“硬性登记资金来源/用途”，而对上述大额一次性金融服务的尽职调查与留痕要求依然存在。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></section><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="background-color: #ffca00; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;"> 从“大额堵漏洞”到“全链条、颗粒化监控” </span></strong></span></p></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">这次调整并非“突然收紧”，而是延续多年的系统升级：</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><ul class="list-paddingleft-1" style="list-style-type: disc; box-sizing: border-box; padding-left: 20px; list-style-position: outside;"><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">2017年1月，外汇局发布汇发〔2017〕3号，明确对“分拆购付汇”规避5万美元年度额度的行为进行重点关注。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">2019年，《反洗钱法》修订草案首次将“受益所有人”识别及穿透要求写入法律条文。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">2017—2018年，央行先后下发209号、217号、281号、296号文，切断支付机构与银行“直连”，统一经由网联或银联清算，并于2018年6月30日全面落地。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">2025年1月1日，新修订《反洗钱法》正式施行。当前的征求意见稿，正是为更好落实法律、迎接FATF第五轮反洗钱评估而推出。</span></p></li></ul><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">总体上，监管思路已从“堵大额漏洞”升级为“反洗钱＋反逃税＋反制裁＋金融安全”的全链条、颗粒化监控。</span></p></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 620px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/Fj9IR8U1Dyd5sHiTs--ngz1hAiaa" alt="图片" /></section></section><section style="line-height: 2; box-sizing: border-box;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="background-color: #ffca00; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;"> 对普通家庭“往境外汇款”意味着什么？ </span></strong></span></p></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">合规路径仍可行，但材料更“精细”</span></span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"> </span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">家属在海外读书、汇学费通过正规渠道办理不受阻，相关场景本就有专门流程与政策支持。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">有网友实操表示，如实填写资料、按项准备，流程顺畅。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">可以预期，银行/支付平台的后台风控模型会更“聪明”，</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">对</span><strong style="box-sizing: border-box;"><span style="color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">异常模式（如多人向同一境外账户汇款）</span></span></strong><span style="font-size: 15px;">触发预警，配合人工审核。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><strong style="box-sizing: border-box;"><span style="color: #f96e57; text-decoration: underline 2px solid #000000; box-sizing: border-box;"><span style="font-size: 15px;">“灰色路径”风险陡增</span></span></strong></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><strong style="box-sizing: border-box;"><span style="color: #f96e57; text-decoration: underline 2px solid #000000; box-sizing: border-box;"> </span></strong></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">亲友分拆转账、地下钱庄、虚拟货币OTC等手法，在更细颗粒度的监测下，等同“裸奔”，面临问询、处罚。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">受配额与合规压力影响，QDII等配额渠道可能竞争加剧，相关费用与门槛不排除阶段性上行，个人全球资产的流动性短期或明显下降，部分家庭可能被迫调整境外房产/私募基金等配置，转向港股通、黄金等替代品。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></section><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="background-color: #ffca00; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;"> 今年内落地的可能性较高 </span></strong></span></p></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">征求意见稿的反馈截止时间为2025年9月3日。从监管口径和技术准备看，快则9月之内，慢则今年之内，新规有望推出、实施。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">一旦落地：</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><ul class="list-paddingleft-1" style="list-style-type: disc; box-sizing: border-box; padding-left: 20px; list-style-position: outside;"><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">机构端需完成系统改造，强化信息完整传递与缺失识别；</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">个人与企业需按“低风险简化、高风险强化”的原则，提前匹配材料与路径，避免临时抱佛脚。</span></p></li></ul></section></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 1.5em; box-sizing: border-box;"><img class="rich_pages wxw-img" style="vertical-align: middle; max-width: 100%; box-sizing: border-box; width: 300px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.58cammp.com/FiiQnAVP1hmf0xnWPRweOeHnd0bl" alt="图片" /></section></section><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><section style="line-height: 2; box-sizing: border-box;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="background-color: #ffca00; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;"> 境外汇款注意事项 </span></strong></span></p></section><section style="max-width: 100%; box-sizing: border-box;"><section style="box-sizing: border-box; max-width: 100%; font-size: 15px; padding: 0px 5px; line-height: 2;"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;">不要在危险的边缘试探</span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"> </strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">所有“打擦边球”的历史路径都应画上句号。违规的代价可能是账户冻结、补税＋罚款、征信污点。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #000000; color: #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 15px;">提前规划</span></strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="box-sizing: border-box; color: #f96e57;"><strong style="box-sizing: border-box;"><u style="box-sizing: border-box;"><br /></u></strong></span><span style="font-size: 15px;">大额需求（移民、购房）尽量提前3—5年通过合法通道布局（如贸易项下、ODI备案等）；持续性需求（留学、家属赡养）尽量选择与监管系统直连、材料要求明确的渠道，避免高频小额触发风控。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="text-decoration: underline 2px solid #f96e57; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="text-decoration: underline 2px solid #f96e57; color: #f96e57; box-sizing: border-box;"><span style="font-size: 15px;">资料一次准备到位</span></span></strong></span><br /><span style="font-size: 15px;">对照机构清单，一次性把身份、账户、住所、用途与凭证补齐，确保信息真实、一致、可追踪，减少补件、退件的时间成本。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><strong style="box-sizing: border-box;"><span style="color: #f96e57; text-decoration: underline 2px solid #000000; box-sizing: border-box;"><span style="font-size: 15px;">操作层面的“准备清单”</span></span></strong></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><strong style="box-sizing: border-box;"><span style="color: #f96e57; text-decoration: underline 2px solid #000000; box-sizing: border-box;"> </span></strong></p><ul class="list-paddingleft-1" style="list-style-type: disc; box-sizing: border-box; padding-left: 20px; list-style-position: outside;"><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">真实身份资料：身份证明文件编号、联系方式、住所信息。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">账户要素：汇出/收款方姓名或名称、账号。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">用途与凭证：合同、录取通知书、学费账单等；按要求原件核验或提供可追溯材料。</span></p><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"> </p></li><li style="box-sizing: border-box;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; line-height: 1.5em;"><span style="font-size: 15px;">一致性：人、账、用途要匹配，避免信息缺漏导致退单/补件。</span></p></li></ul></section></section><p style="display: none;"> </p> <!----></div> 又是搞死守法者，真正违法的有的是方式。 杨兰兰能查出来吗 捡了芝麻丢了西瓜 真正大贪官］西q的你篮不住 严格了 额度太小了够干什麼 加油。 加油。 一刀切 干得漂亮
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