Cross border transfer of virtual currency

1. How to correctly understand the policy meaning of "supply side structural reform"? To promote the supply side structural reform, there are clear ideas, clear ideas and specific tasks. To do it firmly, boldly, solidly, accurately and never look back is not to implement demand contraction. Both supply and demand should be grasped, but the priority should be clear. At present, improving the supply structure is the main direction, not to create a new "planned economy", but to better play the decisive role of the market in resource allocation, Define the power boundary of the government authority: there are various interpretations of the supply side structural reform. From the perspective of China's national conditions, we may as well use the formula of "supply side + structure + reform", that is, starting from improving the quality of supply, we should use the method of reform to promote structural adjustment, correct the distortion of factor allocation, expand effective supply, improve the adaptability and flexibility of supply structure to changes in demand, improve total factor proctivity, and better meet the needs of the broad masses of the people, Promote the sustained and healthy development of economy and society. To promote the supply side structural reform, there are clear ideas, clear ideas and specific tasks. In accordance with the requirements of "five development concepts" of innovation, coordination, green, openness and sharing, all regions and departments should adapt to the new normal of economic development, implement the general idea of stable macro policies, accurate instrial policies, flexible micro policies, practical reform policies and supporting social policies, and focus on de capacity, de inventory, de leverage, cost rection, and other aspects The "five key tasks" of the short board should be done firmly, boldly, solidly, accurately and never look back. To correctly understand the supply side structural reform, we need to eliminate two misunderstandings: one is that to promote the supply side structural reform is to implement demand contraction. The relationship between supply and demand is not either one or the other. The two are conditions for each other and transform into each other. We should grasp both sides, but we should be clear in priority. At present, there are both cyclical and structural contradictions in the economy, but the main contradictions have turned into structural problems. Therefore, while appropriately expanding the aggregate demand and adjusting the demand structure, we must focus on strengthening the structural reform of the supply side, take improving the supply structure as our main direction, and realize the leap from low-level supply-demand balance to high-level supply-demand balance. Of course, in the process of promoting the supply side structural reform, we need to create a stable macro environment. In terms of demand policy, we should neither strengthen stimulus nor prevent Pro cyclical tightening. There is also a misunderstanding that promoting supply side structural reform is a new "planned economy". On the contrary, the supply side structural reform is to give full play to the decisive role of the market in the allocation of resources, further improve the market mechanism, and correct the factor allocation distortion caused by relying too much on administrative allocation of resources. Therefore, we should adjust all kinds of distorted policies and institutional arrangements, further stimulate the vitality of market players, and give better play to the decisive role of market in resource allocation. This is the perfection and deepening of socialist market economy in the new situation, and it is not to return to the old road of planned economy. In the past, it was precisely because of the insufficient role of the market mechanism and excessive government intervention that the market could not be cleared in time, leading to various structural contradictions. For example, some inefficient "zombie enterprises" have to give loans and subsidies in some places. Of course, if we play a good game of supply side structural reform, we should also give better play to the role of the government. At present, the most important thing is to make clear the power boundary of the government, make more "subtraction" in administrative intervention with the spirit of self revolution, and take "letting go" as the biggest "grasp". At the same time, "let go" is not "let go". The government should also earnestly fulfill its basic responsibilities of macro-control, market supervision, public service, social management and environmental protection. Expanding opening up is the essence of reform. We should create a better investment environment and attract more foreign investment. Now, the United States, Europe and other developed countries are attracting China's investment. Why do we think China has more foreign investment!

2.

1. It is not allowed to remit RMB abroad

RMB is not a freely convertible currency, so we must first purchase foreign exchange and change it into US dollars. The annual purchase of foreign exchange by domestic indivials with ID card is US $50000, and the upper limit of overseas remittance is US $50000 per day. Charge standard of Bank of China: the amount of remittance is 1 ‰, the minimum charge is 50 yuan / transaction, and the maximum charge is 260 yuan / transaction

2. Import declaration process refers to the process to be handled when importing goods

the steps include signing import agency contract → handling relevant license → issuing L / C (telegraphic transfer) → delivery by foreign businessmen → examining import documents → changing documents → third inspection and commodity inspection → customs declaration and pre recording → customs price examination → paying taxes → customs inspection → releasing goods → taking delivery of goods → animal and plant inspection and quarantine → delivering goods to warehouse → retaining settlement documents → completion

According to the experience of most developing countries, the steps of opening up are as follows:

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first relax the control of long-term capital flow, then relax the control of short-term capital flow: first relax the control of direct investment, and then relax the control of indirect investment; First of all, we should deregulate the securities investment and then the bank credit; First, the control of overseas financing should be relaxed, and then the control of non residents' domestic financing should be relaxed; We should first deregulate financial institutions, then non-financial institutions and indivial residents

2. The steps China can take are as follows:

those that are easy, that is, those that do not affect the current account balance of international payments, can be relaxed after the RMB current account is freely convertible, those that affect the current account balance and affect the frequent movement of capital can be promoted after gaining experience, and some can be relaxed graally. In terms of promoting capital inflow, foreign direct investment can graally enjoy the freedom of exchange

The investment of foreign investors in China's financial market can be relaxed graally to increase the inflow of securities capital; Graally relax the restrictions on domestic enterprises' financing from domestic foreign banks. In the aspect of dealing with capital outflow, we should relax the overseas investment of domestic resident institutions; Appropriately allow domestic financial institutions to finance from non residents; We should be cautious about the financing of non resident financial institutions in China

Before the import of goods, the enterprises that need to entrust professional or agent customs declaration enterprises to go through the declaration proceres with the customs shall go through the entrusted declaration proceres with the professional or agent customs declaration enterprises nearby at the import port

the professional customs declaration enterprise or agent customs declaration enterprise accepting the entrustment shall collect the formal declaration power of attorney from the entrustment unit. The power of attorney shall specify the enterprise name, customs registration number, address, legal agent's name, agency matters, authority, time limit, responsibilities of both parties, etc. of both parties, and shall be stamped with the official seals of both parties

2) preparing the documents for customs declaration is the basis to ensure the smooth customs clearance of imported goods. Customs declaration units and their customs declarers must carefully prepare the necessary documents for customs declaration before declaring the imported goods to the customs

3. If the currency supported by cross-border remittance can be remitted in RMB, it can be remitted according to the exchange rate.

4.

In terms of overseas remittance cash transactions, the domestic and cross-border standards for large amount cash transactions of natural persons and non natural persons are more than 50000 yuan and the foreign currency equivalent is more than 10000 US dollars

the transaction requirements of overseas remittance through bank account are as follows:

1. For enterprises, the reporting standards for large amount transfer transactions of non natural person's bank account are both domestic and cross-border, which are more than RMB 2 million and foreign currency equivalent to more than us $200000

2. For indivials, the domestic reporting standard for large amount transfer transactions of natural person's bank accounts is more than 500000 yuan and the equivalent value of foreign currency is more than 100000 US dollars, while the cross-border reporting standard is more than 200000 yuan and the equivalent value of foreign currency is more than 10000 US dollars

The people's Bank of China issued the administrative measures for the reporting of large amount transactions and suspicious transactions of financial institutions (order of the people's Bank of China [2006] No. 2) on November 14, 2006. Article 5 financial institutions shall report the following large amount transactions:

(1) a single or cumulative transaction of more than 50000 yuan (including 50000 yuan) on the same day Cash deposit, cash withdrawal, cash settlement and sales of foreign exchange, cash exchange, cash remittance, cash bill settlement and other forms of cash receipts and payments with foreign currency equivalent to more than US $10000 (including US $10000)

(2) the transfer of a single or cumulative transaction of more than RMB 2 million (including RMB 2 million) and foreign currency equivalent of more than US $200000 (including US $200000) between the bank account of a non natural person customer and other bank accounts on the same day

(3) transfer of domestic funds with a single or cumulative transaction of more than 500000 yuan (including 500000 yuan) and a foreign currency equivalent of more than 100000 US dollars (including 100000 US dollars) between a natural person customer's bank account and other bank accounts on the same day

(4) the cross-border funds transfer between the natural person customer's bank account and other bank accounts with a single or cumulative transaction of more than 200000 yuan (including 200000 yuan) and a foreign currency equivalent of more than 10000 US dollars (including 10000 US dollars) on the same day

the accumulated transaction amount is calculated and reported in the unit of customer according to the unilateral accumulation of capital income or expenditure. Unless otherwise stipulated by the people's Bank of China. The people's Bank of China may adjust the reporting standards for large amount transactions as required by the first paragraph of this article

Article 6 for the transactions that meet two or more large transaction standards at the same time, financial institutions shall submit large transaction reports respectively

5.

If it is CMB card, you can go to the homepage of our bank and click "personal bank public version" on the right;, Enter the card number and query password, and select "foreign exchange management" - "overseas remittance" - "cross border outward remittance" to handle outward remittance

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when the remitter is a domestic indivial, the overseas payee is limited to indivials, schools, charities, tourism institutions, etc., not trading companies or securities companies

the single and daily cumulative limits are equivalent to US $50000

please remit in cash. If you use cash, you should pay attention to the handling charge of local cash to foreign exchange

in addition to the charges of our bank, the overseas intermediary bank and the receiving bank may charge additional charges, and the payment may not arrive in full

6. BOC is convenient for you to provide the function of remitting money from domestic to overseas accounts (remitting money to other banks abroad, remitting money to BOC overseas). You need to be a personal online banking / mobile banking customer of Bank of China Personal Finance version or VIP version. The foreign currency cross-border remittance service supports four authentication tools: dynamic password + mobile transaction code, CA certificate, SIM shield and mobile shield. It does not support authentication only by mobile transaction code
the above contents are for your reference, and the business regulations shall be subject to the actual situation
if you have any questions, you are welcome to consult the online customer service of Bank of China or download the mobile banking app of Bank of China.

7.

1、 Remittance methods are as follows:

1. Overseas remittance can be made through Western Union remittance of domestic post office

2. Domestic banks, such as Bank of China, Agricultural Bank of China and Construction Bank, can handle relevant telegraphic transfer business

3. You can remit money through domestic bank card online banking, and you can complete the remittance by filling in the relevant information< 2. Remittance procere

1, currency and amount of remittance (Arabic numerals)

2, name and address of payee

3, account number of payee in deposit bank

4, name of deposit bank, swift code or address of payee

Third, to remit money abroad, telegraphic transfer is a common method. Telegraphic transfer generally takes two to three working days to arrive at the account, which is divided into foreign exchange remittance and foreign currency remittance. If foreign exchange remittance is adopted. Generally, one thousandth of the remittance amount and 150 yuan of telegram fee are charged (80 yuan for Hong Kong and Macao). In the case of foreign currency remittance, in addition to the one thousandth handling charge and telegram fee, there is also a certain fee of "cash to foreign exchange", which is charged according to the difference of "cash selling and foreign exchange buying" on that day

(4) the cost of cash to foreign exchange is because for personal savings, foreign exchange can be directly converted into foreign currency, but foreign currency can not be converted into foreign currency at will. When the remitter "remits" the cash, the bank must ship it to foreign countries because the cash is in the form of physical objects, and the transportation cost will be borne by the customer, which is manifested as "selling the cash to buy foreign exchange" (the customer sells the cash, the customer sells the foreign exchange) Buy cash)“ The fee and handling charge of "cash to foreign exchange" can be converted into RMB according to the exchange rate of the day. After conversion, the minimum handling charge is RMB 50 and the maximum is RMB 260

extended data

foreign remittance is a business activity in which commercial banks handle remittance for customers or settle creditor's rights and debts through fund transfer between their branches or agents abroad. According to whether the transfer direction of settlement instruments is consistent with the direction of capital movement, it can be divided into forward remittance (remittance method) and reverse remittance (bill issuing method, i.e. collection method). The cost and exchange rate of telegraphic transfer are higher, while the cost and expense of mail transfer and bill transfer are lower, but the time of holding up customers' money is longer

remittance settlement generally involves four parties: remitter, payee, remitting bank and remitting bank (or remitting bank). If there is no direct relationship between remitting bank and remitting bank, other banks are required to remit and remit funds. The currency used in remittance settlement is generally determined by the remitter. If the types of remittances are different, they should be remitted according to the buying and selling prices of the day. When the remitting bank collects local currency from the remitter and remits foreign currency, it shall be calculated according to the bank's foreign exchange purchase rate; When the remitting bank remits money to the payee, if it remits foreign currency, it can directly pay the foreign currency or arbitrage the cost according to the payee's opinion

8.

1 At present, the annual limit for indivial settlement and sale of foreign exchange is US $50000 (equivalent, the same below). If the amount remitted after purchasing foreign exchange does not exceed the limit, the remitter shall remit us $50000 at a time with his valid identity card. If the amount exceeds $50000, proof of use, such as admission notice and tuition certificate, should be provided

2 If it is cash, the accumulated remittance limit of the day is $10000, generally plus the exchange fee

3 See the detailed rules for the implementation of the measures for the administration of indivial foreign exchange for specific provisions: Article 14 the indivial foreign exchange remitted from overseas for current account expenses shall be handled according to the following provisions: if the accumulated foreign exchange amount is less than US $50000 (including US $50000) on the day of remitting from the foreign exchange savings account, it shall be handled at the bank with valid identity documents; If the amount exceeds the above amount, it shall be handled with the true certificate of current account transaction amount

if the accumulated value of foreign currency cash on the day of outward remittance is less than US $10000 (including US $10000), it shall be handled at the bank with a valid ID card; If the amount exceeds the above amount, the transaction shall be handled with the certificate of authenticity. Current account amount, customs declaration form for luggage and articles of inbound passengers signed by the customs of the people's Republic of China

extended information:

1. The remittance method is as follows

(1) overseas remittance can be made through Western Union remittance of domestic post office

(2) the relevant telegraphic transfer business can be handled through the counter of Bank of China, Agricultural Bank of China, construction bank and other domestic banks

(3) the remittance can be made through the domestic bank card online bank, and the remittance can be completed by filling in the relevant information

(1) currency and amount of remittance (Arabic numerals)

(2) name and address of payee. The account number of the payee in the opening bank. The name, bank code (bank code) or address of the payee's Bank of deposit

(3) telegraphic transfer is a common way of foreign remittance. Telegraphic transfer usually arrives in two to three working days, which is divided into foreign exchange remittance and foreign currency remittance. If foreign exchange remittance is adopted. Under normal circumstances, a handling charge of one thousandth of the remittance amount and a telegraph charge of 150 yuan (80 yuan in Hong Kong and Macao) are charged

for remittance in foreign currency, a certain amount of transfer fee shall be charged in addition to the handling fee and telegram fee of 1 / 1000, and the difference shall be charged according to the "sales amount" of the day

The transfer cost is e to the fact that personal savings can directly convert foreign currency into foreign currency, but they can't convert foreign currency into foreign currency at will

when the remitter "remits" cash, the bank must transport it abroad in the form of cash in kind, and the transportation cost is borne by the customer, that is, "buying and selling foreign currency" (when the customer buys and sells cash)“ The handling charge and handling charge of "note transfer" shall be converted into RMB at the current exchange rate. After the conversion, the handling charge can be as low as 50 yuan and as high as 260 yuan