标题：外币代兑机构管理暂行办法
银行令
〔2003〕第　6　号
《外币代兑机构管理暂行办法》已经2003年5月28日中国人民银行第3次行长办公会讨论通过，现予公布，自2003年11月1日起施行。
行　长　周小川 
二○○三年十月八日[1]
机构管理
第一条　为规范外币代兑机构经营外币兑换业务行为，维护市场秩序，根据《中华人民共和国中国人民银行法》、《中华人民共和国外汇管理条例》、《结汇、售汇及付汇管理规定》及《外汇指定银行办理结汇、售汇业务管理暂行办法》等有关规定，制定本办法。
第二条　本办法所称外币代兑机构，是指与具有外币兑换（或结售汇）业务经营资格的境内商业银行及其分支行（以下简称银行）签订协议，经银行授权办理外币兑换业务的境内企业法人机构（以下简称代兑机构）。
第三条　外币代兑机构办理的外币兑换业务的品种限于可自由兑换货币的现钞及旅行支票。
外币代兑机构办理外币兑换业务限于境内居民个人及非居民个人用外币和外币旅行支票兑换人民币的单方面兑换业务。
非居民个人若将在外币代兑机构兑换所得的人民币兑回外币，需到为其办理外币兑换业务的代兑机构的授权银行办理，兑回金额不得超过原兑换的外币金额。兑回有效期为自兑换之日起6个月内。
居民个人不得办理兑回业务。
第四条　国家外汇管理局及其分支机构依法对银行授权的外币代兑机构的外币兑换业务进行监督、管理。
第五条　银行总行需制定统一的系统内部委托办理外币兑换业务的管理制度及风险控制制度。
授权银行需根据总行的管理制度及风险控制制度制定管理规定及操作规程，内容应当包括：外币代兑机构的外币兑换牌价管理、代兑业务的结算管理、外币兑换水单的领用、使用、作废、核对等管理、因兑换而产生的亏损的风险控制及责任分担、纠纷处理管理、办理兑换业务的币种管理、人民币和外币库存限额管理、代兑人员管理等。
第六条　银行授权代兑机构办理外币兑换业务，必须与代兑机构签订授权办理外币兑换业务的书面协议，明确双方的权利义务以及纠纷处理原则，并向国家外汇管理局当地分支机构备案。书面协议应包括本办法第五条规定的管理规定及操作规程的主要内容。在备案确认前，代兑机构不得办理外币兑换业务。
第七条　授权银行办理备案手续需报送以下材料：
（一）总行制定的统一的系统内部委托办理外币兑换业务的管理制度及风险控制制度；
（二）授权代兑机构办理外币兑换业务申请书；
（三）代兑机构的基本情况说明；
（四）授权办理外币兑换业务管理规定；
（五）已签订的授权办理外币兑换业务的书面协议；
（六）外币代兑机构结汇水单和业务用章样本；
（七）国家外汇管理局及其分支机构要求的其他材料。
国家外汇管理局当地分支机构应当在收到上述材料之日起30日内给予确认或不予确认复函，如不予确认，需在复函中说明不予确认原因。授权银行如获国家外汇管理局当地分支机构不予确认的复函，自收到复函之日起半年内不得再次提出同样内容的备案申请。
第八条　代兑机构办理外币兑换的业务场所，原则上须地处人流稠密的口岸、机场、车站、码头、旅游点、边境口岸地区、主要商业区、涉外宾馆酒店等。
第九条　代兑机构办理外币兑换业务，应当具备以下条件：
（一）有境内企业法人资格；
（二）有固定的营业场所；
（三）不少于2名经授权银行培训合格的从事外币兑换业务的工作人员；
（四）具备能够准确、及时接收授权银行外币兑换牌价的设备或相应设施；
（五）授权银行要求的其他条件。
第十条　代兑机构只能与同城的一家银行签订授权办理外币兑换业务协议，不得与多家银行或异地的银行签订授权办理外币兑换业务协议办理外币兑换业务。
代兑机构可以与签约银行协议约定设置多家外币兑换业务经营场所。
第十一条　银行终止与代兑机构的授权办理外币兑换业务协议，应在协议终止后10日内向国家外汇管理局当地分支机构备案。
第十二条　外币代兑机构实行挂牌经营。办理外币兑换业务时，必须在其营业场所的显著位置悬挂“××银行（授权银行名称）外币代兑机构”铭牌。铭牌样式由授权银行负责规范。
第十三条　外币代兑机构应当按照授权银行制定的外币兑换牌价管理规定办理外币兑换业务，并在其营业场所的显著位置公布外币兑换牌价。
第十四条　外币代兑机构的外币兑换业务需单独核算。
第十五条　外币代兑机构办理外币兑换业务必须使用外币兑换水单，不得以其他单证代替外币兑换水单。外币兑换水单由授权银行负责提供并管理。
外币兑换水单需记载以下内容，内容应包括但不限于以下内容：客户姓名、客户国籍、证件种类及号码、兑换日期、外币币种、外币和人民币金额、外汇牌价等。
外币代兑机构留存的外币兑换水单应当经客户签名和经办人员盖章确认。外币代兑机构使用外币兑换水单应当套写，一式不得少于三联，一联交客户留存，一联送授权银行留存，一联由外币代兑机构留存做账使用。授权银行和外币代兑机构须保留外币兑换水单5年备查。
外币代兑机构在办理境内居民个人外币兑换人民币业务时，应在外币兑换水单上加注“不得办理兑回业务”字样。
第十六条　外币代兑机构应当遵守授权银行制定的收兑外币的保管、上缴、库存限额的管理制度。
外币代兑机构办理外币兑换业务的外币库存限额，由其授权银行核定，原则上在每个营业日终了时不得超过等值1万美元。
第十七条　授权银行负责对外币代兑机构的从业人员进行业务培训。
外币代兑机构的从业人员必须具备以下条件：
（一）鉴别外币现钞和外币旅行支票的能力；
（二）相应的外汇管理法规知识；
（三）授权银行内控制度要求具备的其他能力。
第十八条　授权银行应当按照《国际收支统计申报办法》及有关规定、银行结售汇有关统计报告制度，将与其授权的外币代兑机构办理的兑换业务内容合并报送，履行统计申报义务。
第十九条　授权银行应当监督外币代兑机构按双方签订的业务协议办理外币兑换业务,发现外币代兑机构未按规定使用外币兑换水单、违反外币兑换牌价管理规定及其他违反国家外汇管理法规行为的，应当及时纠正并向国家外汇管理局当地分支机构报告。
第二十条　授权银行和外币代兑机构有以下行为之一的，由国家外汇管理局当地分支机构进行处罚：
（一）未将外币代兑机构办理外币兑换业务的有关资料送国家外汇管理局当地分支机构备案，外币代兑机构开办外币兑换业务的，由国家外汇管理局当地分支机构按照《中华人民共和国外汇管理条例》第四十一条的规定对授权银行和外币代兑机构进行处罚。
（二）违反汇率管理规定制定外币兑换牌价的，由国家外汇管理局当地分支机构按照《中华人民共和国外汇管理条例》第四十三条的规定进行处罚。
（三）授权银行未按照规定监督外币代兑机构使用外币兑换水单办理外币兑换业务的，由国家外汇管理局当地分支机构按照《中华人民共和国外汇管理条例》第四十二条和《外汇指定银行办理结汇、售汇业务管理暂行办法》第四十条的规定对授权银行进行处罚。
（四）授权银行和外币代兑机构有其他违反外汇管理规定的行为的，由国家外汇管理局当地分支机构按照有关规定处罚。
第二十一条　本办法施行前设立的外币代兑机构，应当在本办法施行之日起两个月内，由其授权银行按本办法规定的要求向国家外汇管理局当地分支机构补办备案手续。
第二十二条　本办法自2003年11月1日起施行。
机构管理英文
Article 1 in order to regulate theforeign currency exchangeinstitutions operatingforeign exchange businessbehavior,maintain the market order,according to"people's Republic of ChinaLaw of the people's Bank ofChina","the people's Republic of Chinaon the administration of foreign exchange","settlement,sale and payment of foreignmanagement Regulations"and"banks designated to handle foreign exchange businessesfor settlement,settlementbusiness management Interim Measures"wait for concerned regulation,make this way.
The second term of theforeign currency exchange agency,refers towithforeign currency exchange(orsettlement)the qualification for operating the business ofdomestic commercial banksand theirbranches(hereinafter referred to as thebank)signed an agreementwiththe bank,the authorization of foreign currency exchange businessincorporateinstitutions(hereinafter referred to asexchange agency).
Thirdforeignexchange agenciesof foreign currency exchange businessspecies is confined to theconvertible currencycashand traveler's checks.
Foreign currency exchange agencyof foreign currency exchange businesslimited todomestic individual residentandnon-resident individualswithforeign currencyand Foreign CurrencyTraveler's chequeRMBunilateralexchange business.
Non residentindividualifinforeign currency exchangemechanismfortherenminbiinto foreign currency,needto handle theforeign exchangebusinessof exchange agenciesauthorizedbanks,back against theamount shall not exceed theoriginal exchangeforeign currencyamount.Back against thevalid forexchangewithin 6 months from the date of.
Residentindividual may handleback against thebusiness.
Article fourththe State Administration of foreign exchangeand its branchesshallbank-authorized exchangemechanism inforeign currency exchange businesssupervision,management.
Fifthbank of Chinaneed to establish unifiedsystemfor authorization of foreign currency exchange businessmanagement system and risk controlsystem.
According totheauthorizedbankhead officemanagement system and risk controlsystem to makemanagementrules andoperating procedures,the content should include:the foreign currency exchangeforeign currencyexchange ratemanagementmechanism,exchangesettlementmanagement,foreign currencyexchange memocollar with the,use,void,verification andmanagement,forexchangeand losses inrisk controlandresponsibility,disputeprocessing management,businessmanagement,to exchangethe currencyof RMB and foreign currencyinventoryquota management,exchangeof personnel management.
Article sixththe bankauthorizedexchange agencyof foreign currency exchange business,mustandexchange agencysigned theauthorization of foreign currency exchangebusiness writtenagreement,clearlythe rights and obligations of both partiesand disputeprocessingprinciples,and to theState Administration of foreign exchange,the localbranchregistration.A written agreement should includethe fifth article of this regulationmanagementrules and operational proceduresof themain content.On thearchival filing confirmation,exchange agencyshall handleforeign exchange business.
Article seventhauthorizing the bank tohandle the archival filing formalitiesrequired tosubmit the following materials:
(a)head officeto develop a unifiedsystemfor authorization of foreign currency exchange businessmanagement system and risk controlsystem;
(two)authorizedthe exchange agenciesin foreign currency exchange businessapplication;
(three)thebasic conditionsof exchange agencies;
(four)authorized to handleforeign exchangebusiness management provisions;
(five)signedthe authorization of foreign currency exchange businesswritten agreement;
(six)the foreign currency exchange agencysettlement voucherand businesswith thesample;
(seven)the State Administration of foreign exchangeand its branchesfor the other materials.
State Administration of foreign exchange,the localbranchesshould be in receipt ofthematerials within 30 days from the dategiven to confirmornotaffirmative reply,ifnot recognisedinreply,thatdoes not confirmthe reason.Authorizedbythe State Administration of foreign exchangebanks such aslocalbranchesnot confirmreceipt ofthe reply,replydate of six monthsshall not submitthe same contentapplications.
Article eighththe exchange agenciesin foreign currency exchangebusinessestablishments,in principlemust belocated indenseport,airport,passengerstation,wharf,tourist spots,borderarea,the main business district,foreign-relatedGaestgiveriet Hotel.
Article ninththe exchange agenciesin foreign currency exchange business,shall meet the following conditions:
(a)adomestic enterpriselegal person qualification;
(two)having a fixed business place;
(three)no less than2authorizedbank trainingqualifiedto engage inforeign currency exchange businessstaff;
(four)capable ofaccurate,timelyreceivingthe authorized bankforeign currencyexchange rateof theequipment and related facilities;
(five)other conditions required by the authorizing bank.
Article tenthan exchange agencyonlyandwitha banksigned theauthorization of foreign currency exchangebusiness agreement,notwith a number of banksorstrange land banksigned theauthorization of foreign currency exchangebusiness agreementfor foreign currencyexchange business.
Exchange agencyandagreed upon by the authorizing bankmultiple business venues for foreign currency exchange.
The eleventhbanks to stopandexchange agenciesauthorized to handleforeign exchange businessshall beinagreement,within 10 days after thetermination ofthe State Administration of foreign exchangefor the recordin localbranches.
Article twelfththe foreign currency exchange agencyimpositionmanagement.Foreign currency exchange business,must be in itsbusiness placeprominent place suspension"XXbank(authorizedbank name)the foreign currency exchange agency"nameplate.Nameplatestyle byauthorized bankis responsible for the standard.
Article thirteenththe foreign currency exchange agencyshall be in accordance with theauthorizedbankforeign currencyexchange rateprovisions on Administration offoreign currency exchange business,and in itsplace of businessofforeign currency exchangerateannouncedsignificantposition.
Article fourteenththe foreign currency exchange agencyof the foreign currency exchange businessalonebusiness accounting.
Article fifteenththe foreign currency exchange agencyof foreign currency exchange businessmustuse foreign currencyexchange memo,not toother documentsinstead offoreign currencyexchange memo.Foreign currencyexchange memoby authorizedbankis responsible for providingand managing.
Foreign currencyexchange memotothe following contents,includingbut not limited to the following contents:client name,nationality,customeridentification type and number,date,currencyexchange,foreign currency andRenminbiforeign exchange rate,etc..
Foreign currency exchange agencyretainedforeign exchangereceiptsshall be signed by the customerand thestaff handlingstamped confirmation.Foreign currency exchange agencyto use foreign currencyexchange memoshould besetinwriting,shall not be less thantriple,astock exchangecustomers retained,ajointto authorizedbanksretained,acoupletfromthe foreign currency exchange agencyretainedaccount touse.Authorizedbank and the foreign currency exchangeagency shall keepthe foreign exchangereceiptsfor 5 years for reference.
Foreign currency exchange agencyfordomestic individual residentforeign currencyrenminbi business,should be in theforeign currency exchangememonote "shall not be allowedback against thebusiness".
Article sixteenththe foreign currency exchangeagency shall comply with theauthorizedbank to make theredemptioncurrencydeposit,turn over to the higher authorities,stockquotamanagement system.
Foreign currency exchange agencyof foreign currency exchange businessof foreign currencyinventory limits,by its authorizedbank approved,in principleat the end ofeachbusiness dayshall not exceedthe equivalent of 10000 US dollars.
Article seventeenththe authorized bankforforeign currency exchange agencypersonneltraining.
Foreign currency exchange agencypractitioners mustmeet the following conditions:
(a)the differentialforeign currencyandForeign Currency Traveler's ability;
(two)corresponding to theforeign exchangemanagementregulationsof knowledge;
(three)the authorized bankinternal control system ofother capabilities required by the.
Article eighteenthauthorized banksshall be in accordance with the"statistical declaration of international revenue and expenditureapproach"and related regulations,bank settlement andrelated statisticalreporting system,withauthorizationof foreign currencyexchange businessexchange agencieson a consolidated basis,performingstatisticalreporting obligations.
Article nineteenthauthorized banksshall supervisethe foreign currency exchangemechanism according tothe two sides signed theagreement of the businessof foreign currency exchange business,foundthe foreign currency exchange agencyfails to follow the provisions to useforeign currencyexchange memo,in violation offoreign exchangeratemanagement regulations andother violations of stateregulations on the administration of foreign exchangefor,should be correctedto the State Administration of foreign exchangeandlocal branchreport.
Article twentiethauthorized banksandforeign currency exchange agencyhas any of the following acts,by theState Administration of foreign exchange,the localbranches of thepunishment:
(a)theforeign currency exchange agencyof foreign currency exchangebusinesssend the relevant data tothe local branch ofthe State Administration of foreign exchangefor the record,the foreign currency exchange agencyforforeign currency exchange business,by the State Administration of foreign exchangein accordance withlocalbranches"people's Republic of China foreign exchangemanagementregulations,"the provisions of article forty-first ofthe authorizing bankand foreign currencythe exchange agenciesfor punishment.
(two)in violation ofprovisions offoreign currencyexchange rateexchange rate management,by the State Administration of foreign exchangein accordance with the"local branch ofthe people's Republic of Chinaon the administration of foreign exchange"the provisions of article forty-thirdof punishment.
(three)the authorized bankfails tosupervisethe foreign currency exchangemechanismto use foreign currencyexchange memofor foreign currencyexchange business,by the State Administration of foreign exchangein accordance with the"local branch ofthe people's Republic of Chinaon the administration of foreign exchange"forty-secondand"designated foreign exchange bankfor settlement,settlementbusiness management Interim Measures"the provisions of article fortieth ofthe authorizing bankbe punished.
(four)authorized thebank and the foreign currency exchangewithotherinstitutionsin violation of foreign exchange controlprovisions of the act,by theState Administration of foreign exchange,the localbranch officesin accordance with the relevant provisions ofpunishment.
This the twenty-first methodestablished prior to the implementation ofthe foreign currency exchangemechanisminthe implementation of the present Measuresshall,within two months from the date ofits authorizedbanks,according to theprovisions of therequirementsto the State Administration of foreign exchangeof local branch ofcompleteformalities.
Article twenty-secondthe presentMeasures shall be implemented as of November 1, 2003.