8月21日起刷卡过千上报 不影响国人海外买买买
近日,月日影响国家外汇管理局要求各发卡行自8月21日起,起刷千上接入银行卡外汇管理系统报送银行卡境外交易信息。卡过这一消息引起了消费者的国人关心:境外刷卡为啥要上报?这会影响消费者海外消费么?
“听说境外刷卡1000元就要上报,我出国是海外不是要多换些外汇现金?国外商品也不能随心所欲地买了吧?”即将带孩子出国旅游的周女士担心地表示。其实,买买买李女士的月日影响担心没有必要。 1000元 (人民币)只是起刷千上银行上报信息的“门槛”,而不是卡过限制海外消费额度。
上报信息与海关报税无关
早在今年6月外汇局就发布通知:自9月1日起,国人境内发卡金融机构向外汇局报送境内银行卡在境外发生的海外全部提现和单笔等值1000元人民币以上的消费交易信息。日前,买买买外汇局综合司发布《关于银行卡境外交易外汇管理系统上线有关工作的月日影响通知》。通知称,起刷千上外汇局将于8月21日至31日开展银行卡管理系统试运行工作。卡过自8月21日起,各发卡行均应按照银行卡境外交易数据采集规范要求,于北京时间每日12:00前报送上日24小时内本行银行卡境外交易信息。
此次,外管局发布的通知并非外汇新规,而是对9月1日起正式实施的信息报送,进行银行卡管理系统的联调、验收和试运行。9月1日以后,接入银行卡外汇管理系统、报送银行卡境外交易信息,将成为今后境内金融机构开通本行银行卡境外交易业务的重要条件。
“上报信息的是银行而并非个人,不会增加个人用卡成本,更与海关报税无关。”外汇局相关人士介绍,今年以来,外汇管理部门对金融机构加强了信息上报要求,希望通过提升银行卡跨境交易统计水平,提高打击犯罪的有效性。
监控个人外汇违规行为
今年6月,管理部门对《金融机构大额交易和可疑交易报告管理办法》进行了修订,大额交易的报告门槛从20万元降到5万元,以提高反洗钱和反腐败的效率。该修订已于7月1日起正式施行。
大额交易需要申报容易理解,为什么个人境外刷卡1000元也要上报?专家表示,作为个人出境使用最主要的支付工具,个人境外持卡交易已超1200亿美元。但随着海外消费金额的逐年增长,个人外汇违法违规行为时有发生,不少个人通过刷卡购买境外投资性保险、境外购房,更有甚者刷卡进行虚假购买,兑换成现金非法转移资产。
个人外汇违规行为往往带有明显的羊群效应,如不予以严惩将引发风险,因此外汇局不断加大个人外汇违规行为的查处力度。为此,外汇管理部门加强银行卡跨境交易统计,进一步提升金融交易透明度、统计数据质量等。
外汇局明确表示,此次银行卡境外交易信息采集,不涉及银行卡境外使用的外汇管理政策调整。外汇局将继续支持和保障个人持银行卡在境外经常项目下合规、便利化用卡。也就是说,交易信息采集标准的高低,不影响个人实际使用银行卡进行交易的额度。
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