宁波银行作为积极响应国家外汇管理局政策改革的金融机构之一，近日正式启动了外汇展业改革试运行。这一改革旨在进一步促进跨境贸易与投融资的便利化，同时有效防控跨境资金流动风险，并指导规范银行提升外汇展业能力，营造与高水平开放相适应的制度环境。
根据2023年12月29日出台的《银行外汇展业管理办法(试行)》，宁波银行在国家外汇管理局与宁波市分局的指导下，围绕“防风险与促便利”的政策目标，对全行的外汇展业事前、事中、事后全流程管理进行了完善。宁波银行通过优化组织架构、内控制度、系统建设、人员配置，以及对客户尽调、分类、监测等重点节点的把握，为客户提供更高效的外汇服务。
宁波银行此次改革试运行选择了宁波、上海、深圳、苏州四个城市作为试点区域。在试点区域内，银行直接凭优质客户指令办理外汇收付业务，无需客户提供业务资料，大幅提升了客户体验。例如，宁波的一家外贸企业负责人表示，改革后他们的财务工作量明显减少，付汇效率也大大提升。
宁波银行有关负责人表示，下阶段将全力推进外汇展业改革试运行，巩固试点成果，为全行全面铺开打好基础。同时，宁波银行将进一步提升金融服务实体经济质效，拓宽外汇管理改革的惠及面，以改革创新助力金融高质量发展。
此次改革试运行不仅为银行和客户带来了实实在在的好处，也体现了国家外汇管理局在推动金融开放和安全方面的积极作为。通过这样的改革，有望为我国外汇市场的发展注入新的活力，促进经济的健康稳定增长。
英语如下：
News Title: “Ningbo Bank Leads Pilot Reform of Foreign Exchange Business Development”
Keywords: Business Development Reform, Cross-border Convenience, Risk Prevention and Control
News Content: As one of the financial institutions that have actively responded to the policy reforms by the State Administration of Foreign Exchange, Ningbo Bank recently launched the trial operation of its foreign exchange business development reform. This reform aims to further promote the facilitation of cross-border trade and investment financing, while effectively controlling the risks of cross-border capital flows, and guiding and standardizing banks to enhance their foreign exchange business development capabilities, creating a regulatory environment that is compatible with high-level opening up.
Under the “Trial Measures for the Administration of Foreign Exchange Business Development of Banks” issued on December 29, 2023, Ningbo Bank, under the guidance of the State Administration of Foreign Exchange and the Ningbo Municipal Bureau, has improved the pre-, in-, and post-event management of its foreign exchange business development around the policy goal of “preventing risks and promoting convenience.” Ningbo Bank has optimized its organizational structure, internal control systems, system construction, personnel allocation, and the management of key nodes such as customer due diligence, classification, and monitoring to provide customers with more efficient foreign exchange services.
For the pilot reform, Ningbo Bank selected four cities: Ningbo, Shanghai, Shenzhen, and Suzhou. Within the pilot regions, banks directly handle foreign exchange settlement and payment business based on instructions from high-quality customers without requiring customers to provide business documents, significantly enhancing customer experience. For example, the general manager of a foreign trade enterprise in Ningbo said that after the reform, their financial workload has significantly decreased, and the efficiency of remittances has been greatly improved.
An official from Ningbo Bank stated that in the next phase, the bank will fully promote the trial operation of the foreign exchange business development reform, consolidate the results of the pilot, and lay a solid foundation for the bank’s comprehensive implementation. At the same time, Ningbo Bank will further improve the efficiency and effectiveness of financial services for the real economy, broaden the scope of benefits from foreign exchange management reforms, and use reform and innovation to help the high-quality development of the financial sector.
This reform trial operation not only brings tangible benefits to both banks and customers but also reflects the State Administration of Foreign Exchange’s proactive efforts in promoting financial opening up and safety. Through such reforms, it is hoped that new vitality can be injected into the development of China’s foreign exchange market and promote healthy and stable economic growth.
【来源】http://www.chinanews.com/cj/2024/08-13/10268187.shtml
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