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促(Cu)进(Jin)跨(Kua)境(Jing)贸(Mao)易(Yi)与(Yu)投(Tou)融(Rong)资(Zi)便(Bian)利(Li)化(Hua) 外(Wai)汇(Hui)局(Ju)推(Tui)动(Dong)银(Yin)行(Xing)外(Wai)汇(Hui)业(Ye)务(Wu)流(Liu)程(Cheng)再(Zai)造(Zao)2023-12-30 13:03·人(Ren)民(Min)网(Wang)人(Ren)民(Min)网(Wang)北(Bei)京(Jing)12月(Yue)30日(Ri)电(Dian) (记(Ji)者(Zhe)杜(Du)燕(Yan)飞(Fei))为(Wei)更(Geng)好(Hao)促(Cu)进(Jin)跨(Kua)境(Jing)贸(Mao)易(Yi)与(Yu)投(Tou)融(Rong)资(Zi)便(Bian)利(Li)化(Hua),防(Fang)范(Fan)跨(Kua)境(Jing)资(Zi)金(Jin)流(Liu)动(Dong)风(Feng)险(Xian),日(Ri)前(Qian),国(Guo)家(Jia)外(Wai)汇(Hui)管(Guan)理(Li)局(Ju)发(Fa)布(Bu)《银(Yin)行(Xing)外(Wai)汇(Hui)展(Zhan)业(Ye)管(Guan)理(Li)办(Ban)法(Fa)(试(Shi)行(Xing))》(以(Yi)下(Xia)简(Jian)称(Cheng)《展(Zhan)业(Ye)办(Ban)法(Fa)》),推(Tui)动(Dong)商(Shang)业(Ye)银(Yin)行(Xing)外(Wai)汇(Hui)业(Ye)务(Wu)流(Liu)程(Cheng)再(Zai)造(Zao),进(Jin)一(Yi)步(Bu)提(Ti)升(Sheng)银(Yin)行(Xing)外(Wai)汇(Hui)展(Zhan)业(Ye)能(Neng)力(Li)。《展(Zhan)业(Ye)办(Ban)法(Fa)》于(Yu)2024年(Nian)1月(Yue)1日(Ri)起(Qi)施(Shi)行(Xing)。银(Yin)行(Xing)外(Wai)汇(Hui)展(Zhan)业(Ye),是(Shi)指(Zhi)银(Yin)行(Xing)为(Wei)境(Jing)内(Nei)企(Qi)业(Ye)、事(Shi)业(Ye)单(Dan)位(Wei)、社(She)会(Hui)团(Tuan)体(Ti)等(Deng)机(Ji)构(Gou)(不(Bu)含(Han)金(Jin)融(Rong)机(Ji)构(Gou),以(Yi)下(Xia)简(Jian)称(Cheng)客(Ke)户(Hu))开(Kai)展(Zhan)外(Wai)汇(Hui)业(Ye)务(Wu)时(Shi),依(Yi)法(Fa)实(Shi)施(Shi)客(Ke)户(Hu)尽(Jin)职(Zhi)调(Diao)查(Cha),确(Que)定(Ding)客(Ke)户(Hu)外(Wai)汇(Hui)合(He)规(Gui)风(Feng)险(Xian)等(Deng)级(Ji),实(Shi)施(Shi)差(Cha)异(Yi)化(Hua)措(Cuo)施(Shi)办(Ban)理(Li)外(Wai)汇(Hui)业(Ye)务(Wu),及(Ji)时(Shi)监(Jian)测(Ce)处(Chu)置(Zhi)外(Wai)汇(Hui)合(He)规(Gui)风(Feng)险(Xian)的(De)活(Huo)动(Dong)。“近(Jin)年(Nian)来(Lai),国(Guo)家(Jia)外(Wai)汇(Hui)管(Guan)理(Li)局(Ju)在(Zai)监(Jian)管(Guan)中(Zhong)发(Fa)现(Xian),外(Wai)汇(Hui)管(Guan)理(Li)改(Gai)革(Ge)落(Luo)地(Di)过(Guo)程(Cheng)中(Zhong)存(Cun)在(Zai)银(Yin)行(Xing)‘未(Wei)尽(Jin)职(Zhi)审(Shen)核(He)’或(Huo)‘过(Guo)度(Du)审(Shen)核(He)’等(Deng)问(Wen)题(Ti),银(Yin)行(Xing)存(Cun)在(Zai)违(Wei)规(Gui)展(Zhan)业(Ye)情(Qing)况(Kuang),或(Huo)影(Ying)响(Xiang)合(He)规(Gui)经(Jing)营(Ying)主(Zhu)体(Ti)对(Dui)外(Wai)汇(Hui)便(Bian)利(Li)化(Hua)政(Zheng)策(Ce)的(De)微(Wei)观(Guan)感(Gan)受(Shou)。”国(Guo)家(Jia)外(Wai)汇(Hui)管(Guan)理(Li)局(Ju)副(Fu)局(Ju)长(Chang)、新(Xin)闻(Wen)发(Fa)言(Yan)人(Ren)王(Wang)春(Chun)英(Ying)表(Biao)示(Shi),《展(Zhan)业(Ye)办(Ban)法(Fa)》通(Tong)过(Guo)构(Gou)建(Jian)银(Yin)行(Xing)外(Wai)汇(Hui)展(Zhan)业(Ye)通(Tong)用(Yong)框(Kuang)架(Jia),进(Jin)一(Yi)步(Bu)细(Xi)化(Hua)和(He)明(Ming)确(Que)事(Shi)前(Qian)、事(Shi)中(Zhong)、事(Shi)后(Hou)各(Ge)环(Huan)节(Jie)银(Yin)行(Xing)展(Zhan)业(Ye)标(Biao)准(Zhun),推(Tui)动(Dong)银(Yin)行(Xing)切(Qie)实(Shi)履(Lv)行(Xing)审(Shen)核(He)义(Yi)务(Wu)。推(Tui)进(Jin)商(Shang)业(Ye)银(Yin)行(Xing)外(Wai)汇(Hui)业(Ye)务(Wu)流(Liu)程(Cheng)再(Zai)造(Zao)方(Fang)面(Mian),《展(Zhan)业(Ye)办(Ban)法(Fa)》构(Gou)建(Jian)包(Bao)含(Han)事(Shi)前(Qian)客(Ke)户(Hu)识(Shi)别(Bie)与(Yu)分(Fen)类(Lei)、事(Shi)中(Zhong)差(Cha)异(Yi)化(Hua)审(Shen)查(Cha)、事(Shi)后(Hou)监(Jian)测(Ce)报(Bao)告(Gao)的(De)全(Quan)流(Liu)程(Cheng)展(Zhan)业(Ye)框(Kuang)架(Jia),强(Qiang)化(Hua)事(Shi)前(Qian)和(He)事(Shi)后(Hou)环(Huan)节(Jie)风(Feng)险(Xian)责(Ze)任(Ren),打(Da)破(Po)既(Ji)往(Wang)“防(Fang)风(Feng)险(Xian)”对(Dui)事(Shi)中(Zhong)环(Huan)节(Jie)的(De)路(Lu)径(Jing)依(Yi)赖(Lai),进(Jin)一(Yi)步(Bu)提(Ti)高(Gao)银(Yin)行(Xing)外(Wai)汇(Hui)业(Ye)务(Wu)办(Ban)理(Li)效(Xiao)率(Lv),提(Ti)升(Sheng)跨(Kua)境(Jing)贸(Mao)易(Yi)和(He)投(Tou)融(Rong)资(Zi)便(Bian)利(Li)化(Hua)水(Shui)平(Ping)。“事(Shi)前(Qian),要(Yao)求(Qiu)银(Yin)行(Xing)对(Dui)客(Ke)户(Hu)开(Kai)展(Zhan)必(Bi)要(Yao)的(De)尽(Jin)职(Zhi)调(Diao)查(Cha)并(Bing)动(Dong)态(Tai)更(Geng)新(Xin),落(Luo)实(Shi)银(Yin)行(Xing)‘了(Liao)解(Jie)客(Ke)户(Hu)’责(Ze)任(Ren)。支(Zhi)持(Chi)银(Yin)行(Xing)结(Jie)合(He)自(Zi)身(Shen)风(Feng)险(Xian)管(Guan)理(Li)要(Yao)求(Qiu)进(Jin)行(Xing)客(Ke)户(Hu)分(Fen)类(Lei)。事(Shi)中(Zhong),要(Yao)求(Qiu)银(Yin)行(Xing)根(Gen)据(Ju)客(Ke)户(Hu)分(Fen)类(Lei)实(Shi)施(Shi)差(Cha)异(Yi)化(Hua)审(Shen)核(He)措(Cuo)施(Shi),明(Ming)确(Que)一(Yi)类(Lei)客(Ke)户(Hu)可(Ke)凭(Ping)指(Zhi)令(Ling)办(Ban)理(Li)外(Wai)汇(Hui)业(Ye)务(Wu);二(Er)类(Lei)客(Ke)户(Hu)由(You)银(Yin)行(Xing)按(An)‘风(Feng)险(Xian)为(Wei)本(Ben)’和(He)‘实(Shi)质(Zhi)重(Zhong)于(Yu)形(Xing)式(Shi)’原(Yuan)则(Ze)审(Shen)查(Cha);三(San)类(Lei)客(Ke)户(Hu)由(You)银(Yin)行(Xing)根(Gen)据(Ju)风(Feng)险(Xian)状(Zhuang)况(Kuang)强(Qiang)化(Hua)审(Shen)核(He)措(Cuo)施(Shi)。事(Shi)后(Hou),要(Yao)求(Qiu)银(Yin)行(Xing)建(Jian)立(Li)合(He)规(Gui)风(Feng)险(Xian)监(Jian)测(Ce)分(Fen)析(Xi)机(Ji)制(Zhi),发(Fa)现(Xian)外(Wai)汇(Hui)风(Feng)险(Xian)交(Jiao)易(Yi)应(Ying)上(Shang)报(Bao)外(Wai)汇(Hui)风(Feng)险(Xian)交(Jiao)易(Yi)报(Bao)告(Gao)并(Bing)酌(Zhuo)情(Qing)采(Cai)取(Qu)相(Xiang)应(Ying)管(Guan)控(Kong)措(Cuo)施(Shi)。明(Ming)确(Que)外(Wai)汇(Hui)风(Feng)险(Xian)交(Jiao)易(Yi)报(Bao)告(Gao)范(Fan)围(Wei)和(He)报(Bao)告(Gao)路(Lu)径(Jing)。同(Tong)时(Shi),明(Ming)确(Que)银(Yin)行(Xing)内(Nei)部(Bu)管(Guan)理(Li)体(Ti)系(Xi)要(Yao)求(Qiu),涵(Han)盖(Gai)组(Zu)织(Zhi)架(Jia)构(Gou)、内(Nei)控(Kong)制(Zhi)度(Du)、信(Xin)息(Xi)系(Xi)统(Tong)等(Deng)方(Fang)面(Mian),推(Tui)动(Dong)银(Yin)行(Xing)完(Wan)善(Shan)风(Feng)险(Xian)防(Fang)控(Kong)机(Ji)制(Zhi)。”王(Wang)春(Chun)英(Ying)说(Shuo)。推(Tui)进(Jin)跨(Kua)境(Jing)贸(Mao)易(Yi)和(He)投(Tou)融(Rong)资(Zi)便(Bian)利(Li)化(Hua)方(Fang)面(Mian),根(Gen)据(Ju)《展(Zhan)业(Ye)办(Ban)法(Fa)》,银(Yin)行(Xing)应(Ying)当(Dang)根(Gen)据(Ju)客(Ke)户(Hu)外(Wai)汇(Hui)合(He)规(Gui)风(Feng)险(Xian)等(Deng)级(Ji)及(Ji)业(Ye)务(Wu)风(Feng)险(Xian)整(Zheng)体(Ti)判(Pan)断(Duan),采(Cai)取(Qu)差(Cha)异(Yi)化(Hua)审(Shen)核(He)措(Cuo)施(Shi)。优(You)质(Zhi)客(Ke)户(Hu)可(Ke)以(Yi)同(Tong)时(Shi)享(Xiang)受(Shou)经(Jing)常(Chang)项(Xiang)目(Mu)和(He)资(Zi)本(Ben)项(Xiang)目(Mu)已(Yi)有(You)的(De)便(Bian)利(Li)化(Hua)措(Cuo)施(Shi)。银(Yin)行(Xing)对(Dui)优(You)质(Zhi)客(Ke)户(Hu)可(Ke)凭(Ping)客(Ke)户(Hu)指(Zhi)令(Ling)办(Ban)理(Li)外(Wai)汇(Hui)业(Ye)务(Wu),给(Gei)予(Yu)银(Yin)行(Xing)更(Geng)多(Duo)产(Chan)品(Pin)创(Chuang)新(Xin)空(Kong)间(Jian)。银(Yin)行(Xing)和(He)企(Qi)业(Ye)可(Ke)自(Zi)愿(Yuan)选(Xuan)择(Ze)适(Shi)用(Yong)《展(Zhan)业(Ye)办(Ban)法(Fa)》或(Huo)原(Yuan)有(You)相(Xiang)关(Guan)外(Wai)汇(Hui)管(Guan)理(Li)法(Fa)律(Lv)法(Fa)规(Gui)。外(Wai)汇(Hui)风(Feng)险(Xian)筛(Shai)查(Cha)和(He)识(Shi)别(Bie)依(Yi)托(Tuo)系(Xi)统(Tong)开(Kai)展(Zhan),事(Shi)后(Hou)监(Jian)测(Ce)更(Geng)精(Jing)准(Zhun),对(Dui)客(Ke)户(Hu)“无(Wu)违(Wei)规(Gui)、不(Bu)打(Da)扰(Rao)”。“前(Qian)期(Qi)参(Can)与(Yu)试(Shi)点(Dian)的(De)银(Yin)行(Xing)反(Fan)馈(Kui),实(Shi)施(Shi)外(Wai)汇(Hui)展(Zhan)业(Ye)改(Gai)革(Ge)后(Hou),优(You)质(Zhi)企(Qi)业(Ye)办(Ban)理(Li)外(Wai)汇(Hui)业(Ye)务(Wu)更(Geng)为(Wei)高(Gao)效(Xiao),银(Yin)行(Xing)外(Wai)汇(Hui)服(Fu)务(Wu)水(Shui)平(Ping)得(De)到(Dao)有(You)效(Xiao)提(Ti)升(Sheng)。”王(Wang)春(Chun)英(Ying)说(Shuo)。防(Fang)范(Fan)风(Feng)险(Xian)方(Fang)面(Mian),《展(Zhan)业(Ye)办(Ban)法(Fa)》压(Ya)实(Shi)银(Yin)行(Xing)风(Feng)险(Xian)防(Fang)范(Fan)责(Ze)任(Ren),实(Shi)现(Xian)“既(Ji)放(Fang)得(De)开(Kai)又(You)管(Guan)得(De)住(Zhu)”。具(Ju)体(Ti)来(Lai)看(Kan),《展(Zhan)业(Ye)办(Ban)法(Fa)》进(Jin)一(Yi)步(Bu)明(Ming)确(Que)银(Yin)行(Xing)“了(Liao)解(Jie)客(Ke)户(Hu)”义(Yi)务(Wu),推(Tui)动(Dong)银(Yin)行(Xing)充(Chong)分(Fen)利(Li)用(Yong)自(Zi)身(Shen)数(Shu)据(Ju)和(He)技(Ji)术(Shu)资(Zi)源(Yuan),整(Zheng)合(He)信(Xin)息(Xi)形(Xing)成(Cheng)客(Ke)户(Hu)画(Hua)像(Xiang),把(Ba)好(Hao)客(Ke)户(Hu)准(Zhun)入(Ru)关(Guan),实(Shi)现(Xian)风(Feng)险(Xian)早(Zao)识(Shi)别(Bie)、早(Zao)发(Fa)现(Xian)。从(Cong)试(Shi)点(Dian)情(Qing)况(Kuang)看(Kan),各(Ge)银(Yin)行(Xing)高(Gao)风(Feng)险(Xian)客(Ke)户(Hu)占(Zhan)比(Bi)较(Jiao)低(Di),银(Yin)行(Xing)可(Ke)以(Yi)有(You)效(Xiao)分(Fen)配(Pei)展(Zhan)业(Ye)资(Zi)源(Yuan),在(Zai)对(Dui)广(Guang)大(Da)中(Zhong)低(Di)风(Feng)险(Xian)客(Ke)户(Hu)提(Ti)供(Gong)外(Wai)汇(Hui)业(Ye)务(Wu)便(Bian)利(Li)化(Hua)服(Fu)务(Wu)的(De)同(Tong)时(Shi),加(Jia)大(Da)对(Dui)高(Gao)风(Feng)险(Xian)客(Ke)户(Hu)和(He)业(Ye)务(Wu)审(Shen)查(Cha)力(Li)度(Du),有(You)效(Xiao)防(Fang)控(Kong)风(Feng)险(Xian)。明(Ming)确(Que)外(Wai)汇(Hui)风(Feng)险(Xian)交(Jiao)易(Yi)报(Bao)告(Gao)范(Fan)围(Wei),指(Zhi)导(Dao)银(Yin)行(Xing)聚(Ju)焦(Jiao)外(Wai)汇(Hui)风(Feng)险(Xian)交(Jiao)易(Yi)特(Te)征(Zheng),依(Yi)托(Tuo)系(Xi)统(Tong)及(Ji)时(Shi)回(Hui)溯(Su)筛(Shai)查(Cha),实(Shi)现(Xian)精(Jing)准(Zhun)化(Hua)风(Feng)险(Xian)识(Shi)别(Bie)和(He)处(Chu)置(Zhi)。值(Zhi)得(De)注(Zhu)意(Yi)的(De)是(Shi),《展(Zhan)业(Ye)办(Ban)法(Fa)》在(Zai)外(Wai)汇(Hui)管(Guan)理(Li)法(Fa)规(Gui)中(Zhong)首(Shou)次(Ci)提(Ti)出(Chu)“尽(Jin)职(Zhi)免(Mian)责(Ze)”。“实(Shi)践(Jian)中(Zhong),银(Yin)行(Xing)身(Shen)处(Chu)跨(Kua)境(Jing)资(Zi)金(Jin)业(Ye)务(Wu)办(Ban)理(Li)一(Yi)线(Xian),其(Qi)政(Zheng)策(Ce)执(Zhi)行(Xing)情(Qing)况(Kuang)直(Zhi)接(Jie)决(Jue)定(Ding)了(Liao)跨(Kua)境(Jing)贸(Mao)易(Yi)和(He)投(Tou)融(Rong)资(Zi)便(Bian)利(Li)化(Hua)政(Zheng)策(Ce)红(Hong)利(Li)能(Neng)否(Fou)真(Zhen)正(Zheng)惠(Hui)及(Ji)经(Jing)营(Ying)主(Zhu)体(Ti)。”王(Wang)春(Chun)英(Ying)说(Shuo),《展(Zhan)业(Ye)办(Ban)法(Fa)》以(Yi)立(Li)法(Fa)形(Xing)式(Shi)明(Ming)确(Que)客(Ke)户(Hu)在(Zai)银(Yin)行(Xing)开(Kai)展(Zhan)的(De)外(Wai)汇(Hui)业(Ye)务(Wu)涉(She)嫌(Xian)违(Wei)反(Fan)外(Wai)汇(Hui)管(Guan)理(Li)规(Gui)定(Ding),但(Dan)银(Yin)行(Xing)能(Neng)够(Gou)证(Zheng)明(Ming)已(Yi)勤(Qin)勉(Mian)尽(Jin)责(Ze)采(Cai)取(Qu)外(Wai)汇(Hui)展(Zhan)业(Ye)措(Cuo)施(Shi)的(De),不(Bu)追(Zhui)究(Jiu)相(Xiang)关(Guan)法(Fa)律(Lv)责(Ze)任(Ren),破(Po)除(Chu)“唯(Wei)结(Jie)果(Guo)论(Lun)”,打(Da)消(Xiao)银(Yin)行(Xing)落(Luo)实(Shi)外(Wai)汇(Hui)便(Bian)利(Li)化(Hua)政(Zheng)策(Ce)顾(Gu)虑(Lv),更(Geng)好(Hao)地(Di)激(Ji)励(Li)银(Yin)行(Xing)“能(Neng)干(Gan)、愿(Yuan)干(Gan)、敢(Gan)干(Gan)”,提(Ti)升(Sheng)合(He)规(Gui)客(Ke)户(Hu)跨(Kua)境(Jing)业(Ye)务(Wu)便(Bian)利(Li)化(Hua)感(Gan)受(Shou)。“下(Xia)一(Yi)步(Bu),国(Guo)家(Jia)外(Wai)汇(Hui)管(Guan)理(Li)局(Ju)将(Jiang)尊(Zun)重(Zhong)银(Yin)行(Xing)跨(Kua)境(Jing)业(Ye)务(Wu)规(Gui)模(Mo)、展(Zhan)业(Ye)模(Mo)式(Shi)调(Diao)整(Zheng)成(Cheng)本(Ben)等(Deng)方(Fang)面(Mian)客(Ke)观(Guan)差(Cha)异(Yi),基(Ji)于(Yu)银(Yin)行(Xing)自(Zi)愿(Yuan)前(Qian)提(Ti)逐(Zhu)步(Bu)推(Tui)进(Jin)《展(Zhan)业(Ye)办(Ban)法(Fa)》实(Shi)施(Shi)工(Gong)作(Zuo)。”王(Wang)春(Chun)英(Ying)表(Biao)示(Shi),各(Ge)级(Ji)外(Wai)汇(Hui)局(Ju)将(Jiang)对(Dui)银(Yin)行(Xing)改(Gai)造(Zao)系(Xi)统(Tong)、完(Wan)善(Shan)业(Ye)务(Wu)流(Liu)程(Cheng)等(Deng)工(Gong)作(Zuo)给(Gei)予(Yu)相(Xiang)应(Ying)辅(Fu)导(Dao)支(Zhi)持(Chi),降(Jiang)低(Di)银(Yin)行(Xing)试(Shi)错(Cuo)成(Cheng)本(Ben)。
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问:本次改革在优化发行上市审核注册机制方面有哪些安排