一、活動名稱
The name of the event is .
金融知識普及月 金融知識進萬家 爭做理性投資者 爭做金融好網民
The month of financial literacy, the year of financial knowledge, the year of rational investment, the year of financial activism.
二、活動時間
2019年9月1日至9月30日
1 September-30 September 2019
三、活動口號
普及金融知識，防范金融風險，共建小康社會（主口號）
Publicizing financial awareness, preventing financial risks and building small and prosperous societies.
正確使用金融服務 倡導理性消費投資
The right use of financial services to promote rational investment.
保持冷靜 珍惜幸福 遠離非法集資
Stay calm, cherish happiness, stay away from illegal fund-raising.
誠信保險保障 共享美好生活
Trust in insurance. Share a good life.
提升金融素養 爭做金融好網民
To raise the financial standard, to compete for a good financial net.
辨真偽?識風險 做理性私募投資者
To be honest, to be aware of the risks, to be a reasonable private investor.
四、系列金融知識
專題一 人民幣知識
一、維護人民幣法定地位，主動舉報拒收現金行為
i. >....................................................................................................................................
2018年7月，人民銀行發布《中國人民銀行關于整治拒收現金的公告》（公告〔2018〕10號），明確指出人民幣是我國的法定貨幣，除國家法律、行政法規規定應當使用非現金支付工具的情形外，任何單位和個人不得在營業場所標示“無現金”“拒收現金”等或引用其作為宣傳標語，或者為消費者使用現金設置歧視性條件。
In July 2018, the People's Bank issued the People's Bank of China's Proclamation on the Refusal of Cash (Official Gazette No. [2018] 10), which clearly states that the renminbi is the legal currency of my country and that, except in cases where national laws and administrative regulations stipulate that non-cash payment instruments should be used, no unit or individual may “refusal of cash” on the premises or invoke it as a propaganda sign, or use discriminatory terms for consumers.
拒收現金行為極大地損害了消費者對支付方式的選擇權，請社會公眾自覺維護人民幣法定地位，維護自身合法權益。如發現拒收現金行為，請積極向當地人民銀行分支機構舉報。
The refusal to accept cash undermines consumers’ right to choose how to pay, asking the public to defend the legal status of the renminbi and their legal rights. If it is found that the refusal to accept cash has occurred, report actively to the local branch of the People’s Bank.
二、維護人民幣形象，禁止非法使用人民幣圖樣
II. Maintain the image of the renminbi and prohibit its illegal use
《中華人民共和國中國人民銀行法》第十九條明確規定“禁止故意毀損人民幣。禁止在宣傳品、出版物或者其他商品上非法使用人民幣圖樣。”
Article 19 of the Chinese People’s Republic of China People’s Bank Act clearly states that “the intentional destruction of the renminbi is prohibited.
在祭祀用品、蛋糕、代金券上使用人民幣圖案，故意撕毀、焚燒人民幣，用人民幣制作花束、首飾等均屬于非法使用人民幣圖樣、故意毀損人民幣的違法行為。
The use of the yuan on the offerings, cakes and vouchers, the deliberate tearing and burning of the yuan, the making of bouquets and jewellery in the yuan, etc., are all illegal acts involving the illegal use of the yuan and the deliberate destruction of the yuan.
請公眾在生活中自覺愛護人民幣，如發現有人故意毀損人民幣或非法使用人民幣圖樣，請向當地人民銀行分支機構提供線索。
If you find that someone has deliberately destroyed the renminbi or illegally used it, please provide information to the local People’s Bank branches.
三、提高風險防范意識，警惕錢幣收藏陷阱
iii, improve risk awareness and beware of currency collection traps
紀念幣是具有特定主題的，限量發行的人民幣，包括普通紀念幣（含紀念鈔，下同）和貴金屬紀念幣。
Monuments are subject-specific and are limited to the issue of renminbi, including ordinary memorized coins (including memorized coins) and precious metal memorized coins.
在中華人民共和國境內，中國人民銀行依法發行紀念幣。發行前，中國人民銀行將紀念幣的主題、面額、圖案、材質、規格、發行數量、發行時間等予以公告。公眾可關注中國人民銀行的官方網站“人民幣”欄目，查詢普通紀念幣和貴金屬紀念幣的發行公告，了解本地區承擔普通紀念幣預約兌換工作的商業銀行和貴金屬紀念幣的銷售渠道。
Before it is issued, the People's Bank of China will announce the subject of the currency, the amount, the pattern, the content, the regulations, the number of releases, and the time it is issued. The public will be able to follow the official website of the People's Bank of China, the “People's Dollar” column, to inquire about the issuance of a bulletin on the regular and precious monetary memory, and to learn about the marketing channels for commercial banks and preciouss in the region, which are responsible for the exchange of the general monetary promise.
普通紀念幣通過商業銀行按照面值預約兌換。每次普通紀念幣發行時，人民銀行在公告中公布承擔本次發行任務的商業銀行。在公告的預約時間內，公眾通過商業銀行辦理線上或現場預約，在公告的兌換時間內前往預約的商業銀行營業網點兌換。普通紀念幣與同面額人民幣等值流通。
At the time of issuance, the People’s Bank announces in its bulletin the commercial bank that is responsible for the launch. During the time of the announcement, the public, either on the commercial bank’s line or on the spot, changes to the commercial bank’s established network within the time of the announcement.
貴金屬紀念幣由中國金幣總公司總經銷，通過其四家子公司，以及105家特許零售商、17家商業銀行渠道開展銷售。貴金屬紀念幣的真實價值和銷售價格均高于面額。
Valuables are sold by the China Gold General Corporation through its four subsidiaries, as well as through 105 licensed retailers and 17 commercial banks. The value of preciouss and sales prices are higher than their face value.
公眾在收藏錢幣時要提高警惕，防范虛假宣傳陷阱。如常見的“紀念金”和各種錢幣裝幀冊等。中國人民銀行從來沒有發行過任何所謂的“紀念金”，“紀念金”是商家自行開發的一種工藝品，與紀念幣沒有任何關系。中國人民銀行從未發行過任何形式的“珍藏冊”、“大全套”等錢幣裝幀冊。已停止流通的人民幣由商業銀行按照面值等值回收（第一套人民幣除外）。凡是承諾“高價回收”的人民幣裝幀產品均為虛假宣傳。
The People's Bank of China has never issued any so-called “memorality money” that is a trader's own creation, and that has nothing to do with memorization. The People's Bank of China has never issued any form of “premise book,” “big set,” etc. The currency that has stopped circulation is recovered by commercial banks according to face value equivalents (except the first set).
虛假宣傳的表現形式主要有：一是在紀念金、章等紀念品上標注面額數字，宣稱“等值兌換”，冒充紀念幣。二是宣傳“高價回購”，承諾投資回報。三是使用“國家權威機構發行”、“官方發布”、“國家造幣廠/印鈔廠制作”等模糊表述迷惑消費者。四是宣稱“人民銀行高價回收”等。請公眾提高警惕，不要上當受騙。
The pseudo-promotion takes the form of:
四、提高風險防范意識，警惕虛擬貨幣詐騙
iv, improve risk awareness and be alert to virtual currency fraud
人們每天都在使用貨幣，有實物貨幣，也有電子貨幣。《中國人民銀行法》規定：“中華人民共和國的法定貨幣是人民幣。”在日常生活中的銀行存款轉賬甚至網絡支付，其背后流通的貨幣均為中國人民銀行發行的法定貨幣——人民幣。中國人民銀行發行的法定貨幣包括人民幣紙幣和硬幣，尚未發行法定數字貨幣。
The People's Bank of China Act states: “The legal currency of the People's Republic of China is the People's Currency.” Bank deposits in daily life are transferred and even paid online, and the currency in the back is the legal currency issued by the People's Bank of China — the People's Currency. The legal currency issued by the People's Bank of China includes the People's Currency and the coins, which have not yet been issued.
然而近年來，虛擬貨幣不斷地引發關注。目前各類虛擬貨幣都是非法定貨幣，不具有法償性和強制性等貨幣屬性，不具有與貨幣等同的法律地位，不能也不應作為貨幣在市場上流通使用。一部分發行者和交易者依托互聯網、借助交易平臺對虛擬貨幣進行炒作，更有甚者借助虛擬貨幣概念，從事傳銷、詐騙等非法活動。我國已明令禁止虛擬貨幣和法定貨幣的直接交易，各金融機構、支付機構、任何所謂的代幣融資交易平臺都不得從事法定貨幣與虛擬貨幣之間的兌換業務。但是，為規避監管，虛擬貨幣項目團隊已開始轉向境外開展相關活動，并向國內投資者大肆宣傳，鼓吹“一夜暴富”，投資者應高度警惕。請社會公眾理性看待虛擬貨幣，認清投資風險，警惕非法騙局，維護個人資金安全和財產權益。對于各種身披高端技術外衣、號稱“國家發行”、承諾高額回報甚至只漲不跌的各類“**幣”，大家一定要提高警惕，擦亮雙眼，防范詐騙、傳銷、非法集資等風險，避免遭受經濟損失。
In recent years, however, virtual coins have been the object of constant attention. All kinds of virtual coins are illegal currency-fixing, non-legitimate and coercive currency-related, have no legal status equivalent to that of currency, and cannot and should not be used as currency in the market. Some publishers and traders rely on networks, trading platforms, and build on virtual coins, and even more so, using the concept of virtual currency as a means of selling and deceiving. We have made clear that direct transactions of virtual currency and statutory currency are prohibited, financial institutions, payment institutions, and any so-called clearing-house are not allowed to change business between legal and virtual currency. But, in order to avoid oversight, virtual currency companies have begun to turn to foreign currency-related activities, and to spread propaganda among investors in the country, so as to avoid a “nightly windfall” of capitalists, and so on.
專題二 支付結算
一、防范買賣賬戶違法行為，保障自身合法權益
i. Protection of buying and selling accounts from illegal behaviour and protection of their legal rights
買賣銀行賬戶和支付賬戶行為對社會和個人危害巨大：一是買賣、出租、出借賬戶為電信詐騙、洗錢、逃稅、行賄受賄等犯罪行為提供滋生土壤，協助不法分子轉移資金，嚴重危害人民群眾財產安全和合法權益，損害社會誠信和社會秩序。二是為不法分子提供作案工具，給自己帶來巨大的信用風險、法律風險，涉嫌違法犯罪。三是對于經公安機關認定的買賣、出租出借賬戶等單位和個人，銀行和支付機構將對其采取五年內不得新開立銀行和支付賬戶，及暫停非柜面業務的懲戒措施。四是賬戶信息中包含大量個人信息，可能導致個人信息泄露后，被不法分子用于從事違法犯罪活動。
The buying and selling of bank accounts and the paying of accounts is a great danger to society and to individuals:
為保護自身權益，防范買賣賬戶危害，社會公眾在使用賬戶（含銀行卡）過程中應注意：一是提升個人信息保護意識，妥善保管好自己的身份證、銀行卡、網銀U盾、支付寶等，注意登錄賬號和密碼等個人信息保密，對于廢棄不用的銀行卡，應及時辦理銷戶業務，并將卡片磁條毀損，不隨意丟棄。二是不要貪圖“小惠小利”，不出租、出借、出售個人銀行卡、身份證、支付寶和網銀U盾等賬戶存取工具，以免造成更大的經濟損失并承擔法律責任。三是發現買賣銀行卡和身份證的犯罪行為，應及時向公安機關舉報，共同維護公平誠信的良好社會秩序。
In order to protect their rights and protect against the dangers of buying and selling accounts, the public should be aware of the use of accounts (including bank cards) as a means of promoting personal information protection.
二、創新手機號碼支付，便利客戶支付體驗
“手機號碼支付”是人民銀行為進一步提升跨行支付服務水平，便利客戶支付體驗，依托網上支付跨行清算系統（IBPS）推出的一項新業務。
“Phone number payments” is a new business introduced by the People's Bank to further upgrade the level of cross-line payment services, facilitate customer payment experience, and rely on the IBPS for online payments.
“手機號碼支付”面向個人客戶提供，客戶通過開戶銀行的手機銀行、網上銀行、銀行柜面（具體視銀行的開放渠道），將本人預留手機號碼與常用銀行卡號關聯綁定，即可開通“手機號碼支付”功能。一個客戶可以使用多個手機號碼注冊，但一個手機號碼只能被一個客戶注冊；一個手機號碼可以關聯多家銀行的銀行卡，但在一家銀行只可關聯一張銀行卡。
“Phone number payments” are provided to individual clients who, through the open bank's mobile bank, online bank, bank accounts (the opening channels of the bank), bind their pre-reserved cell phone numbers to the usual bank cards, so that they can be connected to the “phone number payments” function. A customer can use multiple cell phone numbers to register, but a cell phone number can only be posted by one client; a cell phone number can link the bank cards of multiple banks, but only one bank card can be linked to one bank.
“手機號碼支付”的優勢主要表現為：一是便捷，僅需提供接收人手機號碼即可實現支付轉賬，免于輸入銀行卡號等繁瑣信息。二是快速，通過人民銀行網上支付跨行清算系統處理，實時完成跨行收付款。
The advantage of is that it is easy to to provide a recipient's cell phone number to effect a transfer of payments and to avoid entering complicated information, such as a bank card. is fast.
專題三 儲蓄國債
一、儲蓄國債品種介紹
i. Collection of National Debts Introduction
儲蓄國債是一國政府主要面向個人投資者發行的，以吸收個人儲蓄資金為目的，滿足投資者中長期儲蓄性投資需求的不可交易國債。按債權記錄方式的不同，我國的儲蓄國債分為儲蓄國債（憑證式）和儲蓄國債（電子式）兩種，期限一般為3年和5年，利率通常高于同期限的銀行儲蓄存款實際利率。
The deposit is issued by a government primarily to individual investors to meet the non-tradable national debt of investors for long-term savings, with the aim of absorbing personal reserves. Depending on how the debt is recorded, our national deposit is divided into `strong' and `strong' and `strong' deposits, usually for three and five years, and the interest rate is usually higher than the actual interest rate on bank deposits for the same period.
儲蓄國債（憑證式）和儲蓄國債（電子式）的區別
The difference between
|
|
儲蓄國債（憑證式） |
儲蓄國債（電子式） |
|
認購手續 |
使用現金或銀行存款直接購買 |
需開立個人國債賬戶并指定對應的資金賬戶后，使用資金賬戶中的存款購買 |
|
購買情況記錄方式 |
以“中華人民共和國儲蓄國債（憑證式）收款憑證”記錄購買情況 |
以“電子記賬方式”記錄購買情況 |
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起息日 |
購買當日起息 |
發行期首日起息 |
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付息周期和 方式 |
到期一次還本付息 |
按年付息，到期還本并支付最后一年利息 |
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到期兌付方式 |
須前往柜臺辦理兌付（簽立約定轉存協議的除外） |
本息資金按時自動劃入投資者資金賬戶，無需前往柜臺辦理 |
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購買渠道 |
承銷團成員銀行柜臺 |
承銷團成員銀行柜臺+獲得資格的網上銀行 |
二、儲蓄國債與其他個人金融產品相比有哪些優勢
What's the advantage of saving a national debt over other personal financial products?
【信用等級高，安全性好】儲蓄國債由財政部代表中央政府發行并還本付息，信用等級高于其他債券或銀行理財產品。
[High credit level, good security] The Ministry of Finance issues and repays the debt on behalf of the central government, and the credit level is higher than that of other bonds or bank accounts.
【收益穩定，利息免稅】儲蓄國債發行利率固定，且高于相同期限銀行儲蓄存款利率，利息收入免征個人所得稅。
Interest income is exempt from tax on personal income by issuing fixed interest rates on the deposits of the State debt, which are higher than the interest rates on bank deposits for the same period of time.
【認購起點低，發行期次多，業務辦理方便】儲蓄國債以一百元為起點并以百元的整數倍發售，全年多數月份都有發行，各儲蓄國債承銷團成員遍布全國各地約11萬個網點均可辦理業務。此外，通過部分儲蓄國債承銷團成員網上銀行也可辦理相關業務。
(Recognizes the low start of purchases, the high number of issuances, and the ease of doing business.) The deposits are offered at $100 and are sold in 100-dollar lump-sum terms throughout most of the year, with members of various deposited state debt carriers operating at around 110,000 sites throughout the country.
【變現靈活】您可按相關規定在到期提前兌取持有的儲蓄國債，獲得相應資金。當您需要貸款時，可用儲蓄國債作為質押物，到原購買銀行質押貸款。
When you need a loan, you can use it as a pledge to buy a loan from a bank.
三、如何購買儲蓄國債
"Strong" III. How to Buy Reserved State Debts
目前，您可以通過以下40家2018-2020年儲蓄國債承銷團成員購買儲蓄國債，儲蓄國債（憑證式）需在國債承銷團成員網點柜臺購買，儲蓄國債（電子式）可通過“*”號的承銷團成員網銀購買：
At present, you can purchase the national debt through the following 40 members of the National Debt Repository Group for the period 2018-2020, the national debt (Certificate Certificate) needs to be purchased at the National Debt Repository Portal, and the national debt (electronically) can be purchased through the “*” Repository Group.
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1 |
中國工商銀行* |
15 |
南京銀行* |
29 |
江蘇銀行* |
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2 |
中國農業銀行* |
16 |
廣發銀行* |
30 |
成都銀行* |
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3 |
中國銀行* |
17 |
天津銀行 |
31 |
寧波銀行* |
|
4 |
中國建設銀行* |
18 |
河北銀行* |
32 |
杭州銀行* |
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5 |
交通銀行* |
19 |
青島銀行* |
33 |
中國郵政儲蓄銀行* |
|
6 |
中信銀行* |
20 |
西安銀行 |
34 |
北京農商銀行* |
|
7 |
中國光大銀行* |
21 |
富滇銀行 |
35 |
上海農商銀行* |
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8 |
華夏銀行* |
22 |
哈爾濱銀行 |
36 |
青島農商銀行* |
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9 |
上海浦東發展銀行* |
23 |
徽商銀行* |
37 |
浙商銀行* |
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10 |
興業銀行* |
24 |
漢口銀行 |
38 |
重慶農商銀行 |
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11 |
招商銀行* |
25 |
大連銀行 |
39 |
廣州農商銀行 |
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12 |
平安銀行* |
26 |
烏魯木齊銀行 |
40 |
東莞農商銀行 |
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13 |
北京銀行* |
27 |
恒豐銀行 |
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|
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14 |
上海銀行* |
28 |
晉商銀行 |
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四、是否可由他人代辦認購
多數儲蓄國債承銷機構允許投資者委托他人代辦認購。代辦時，代辦人需攜帶投資者和代辦人有效身份證件，認購儲蓄國債（電子式）還需攜帶投資者個人國債賬戶和資金清算賬戶憑證，前往儲蓄國債承銷機構營業網點按照有關規定辦理。
At the time of the commissioning, the acting agent is required to carry valid identification cards for the investor and the agent, and also to obtain a certificate for the liquidation of the investor’s personal national debt and funds, to travel to the location of the provider’s corporate network, in accordance with the relevant regulations.
五、是否可提前兌取
5 if you can get it in advance
儲蓄國債憑證式與電子式均可辦理提前兌取，按照兌取本金數額的1‰繳納手續費；購買不滿半年的不計付利息，半年以上的按照實際持有天數及相應的利率檔次計付利息。
Both certificates and electronics can be obtained in advance, at a rate of 1 per 1,000 of the principal amount; interest is not payable for the purchase of less than six months, and interest is paid for more than six months according to the number of days actually held and the corresponding interest rate file.
六、是否可轉讓流通
6 Whether circulation can be diverted
儲蓄國債不能流通轉讓，只可按照規定辦理提前兌取、質押貸款、非過戶交易。
Savings on State debt cannot be transferred, but only pre-emption, loan pledges, and non-banking transactions are regulated.
七、如何辦理儲蓄國債（憑證式）約定轉存
儲蓄國債（憑證式）投資者與國債承銷機構可通過事先簽訂到期委托兌付約定轉存服務協議，委托承銷機構代其辦理指定儲蓄國債（憑證式）的到期兌付手續，并將其相應的本息款轉存為該投資者名下的活期、定期或通知存款。
The depositor and the state creditor agency may, by pre-contracting the contract transfer service agreement, commission the carrier to pay on their behalf the maturity payment of the designated reserve State debt (certificate), and transfer the corresponding principal to the investor's current, fixed-term or notified deposit.
八、如何辦理儲蓄國債（憑證式）掛失
VIII. How to manage the default of the savings state debt (certificate)
若儲蓄國債（憑證式）收款憑證丟失，您可帶有效身份證件，前往購買儲蓄國債（憑證式）的儲蓄國債承銷機構營業網點柜臺辦理掛失。
In the event of a loss of a certificate of collection of a national debt (certificate), you can bring a valid identity card to buy a storage facility (certificate) for the storage of a national debt.
九、如何了解儲蓄國債的發行信息
您可登陸財政部網站（http://www.mof.gov.cn）中國人民銀行網站（http://www.pbc.gov.cn）了解國債相關政策和發行信息。
You can visit the website of the Ministry of Finance (http://www.mof.gov.cn) and the People’s Bank of China (http://www.pbc.gov.cn) for information on national debt policies and publications.
專題四 外匯知識
2007年，我國正式實行個人外匯管理改革，堅持真實性審核原則，明確了個人結匯和境內個人購匯年度便利化額度，分別為每人每年等值5萬美元，從多方面滿足和便利個人用匯。個人外匯業務按照交易性質分為經常項目個人外匯業務和資本項目個人外匯業務。其中，經常項目個人外匯業務按照可兌換原則管理，個人真實、合規、合理的經常項目用匯需求可以得到滿足，不存在任何障礙；資本項目個人外匯業務按照可兌換進程管理。2011年開始，個人可以通過銀行電子渠道，足不出戶，輕松地辦理購匯和結匯。
In 2007, our country officially implemented a personal external control reform, adhering to the principles of authenticity, which clearly distinguishs between the annual facilitation of personal transfers and individual purchases within the country, with an annual equivalent of $50,000 per person per year, satisfying and facilitating personal transfers in many ways. 's personal external services are classified as personal external services and capital projects according to the nature of the transaction. In many cases, individual external services are managed in accordance with the rules of exchange.
一、境內個人辦理結匯業務時，在交易真實、合法的情況下，等值5萬美元年度便利化額度內的經常項目結匯，可以憑本人有效身份證件在銀行直接辦理；超過年度便利化額度的經常項目結匯，憑本人有效身份證件及相關證明材料辦理。
I. In the case of personal transactions , regular items within the US$ 50,000 annual facilitation fund are transferred directly to the bank on the basis of a valid personal identification card, and more frequently on the basis of a valid identification card and supporting material than the annual facilitation service.
例如，A的子女是常年旅居國外的華僑，A收到子女從國外匯回來的贍家款，結匯時超過年度便利化額度的，提供直系親屬關系證明或經公證的贍養關系證明、境外給付人相關收入證明（如銀行存款證明、個人收入納稅憑證等），就可以辦理。再比如，在國外工作的B從外國老板那里收到工資，結匯時超過年度便利化額度的部分，提供雇傭合同及收入證明等材料，就可以辦理了。此外，對于贍家款、職工工資等經常項目外匯收入，個人也可選擇憑相關材料辦理不占用年度便利化額度的結匯。
For example, A’s children are long-term residents abroad, and A receives money from families whose children have been imported from abroad, exceeds the annual level of facilitation, and provides proof of direct family ties or notarized support, proof of income-related income (e.g. bank certificates, personal income tax certificates, etc.) to pay payers abroad. For example, B’s overseas workers receive wages from foreign employers, transfers over and above the annual level of facilitation, and offers employment contracts and income certificates.
二、境內個人辦理購匯業務時，在交易真實、合法的情況下，應如實申報購匯信息，等值5萬美元年度便利化額度內的購匯，可憑本人有效身份證件在銀行直接辦理，用于經常項目和已經開放的資本項目，包括因私旅游、境外留學、境外就醫等等，但不得出借或借用他人年度便利化額度，或用于一些尚未開放的資本項目，比如境外房地產投資、證券投資、購買投資性保險等；超過年度便利化額度的經常項目購匯，憑本人有效身份證件和有交易額的相關證明材料辦理。
II. In the case of personal purchases within the country , where the transaction is real and legal, purchases within the $50,000 annual facilitation amount should be reported as purchase information; they may be directly handled by a personal valid identification card in a bank for regular and open items, including private travel, study abroad, medical treatment outside the country, etc., but do not result in borrowing or borrowing an annual facilitation amount, or some unopened capital items, such as investment in offshore premises, voucher investment, purchase of investment insurance, etc.; and frequent purchases over the annual facilitation amount, based on personal valid identification and supporting material with a transaction value.
例如，甲馬上要去留學了，需要購匯用于交學費。甲可以選擇向銀行提供個人有效身份證件及錄取通知書、學費繳費單等能夠證明留學用匯真實性的材料，辦理不占年度便利化額度的購匯；也可以選擇僅憑有效身份證件辦理年度便利化額度內的購匯。
For example, A is about to go to school and needs to be purchased for school fees. A can choose to provide banks with personal valid identification and information such as letters of notice, tuition fees, etc. that can prove the authenticity of a school transfer, and to handle purchases that do not account for the annual level of facilitation. A can also choose to handle purchases within the annual level of facilitation solely on the basis of a valid identity document.
三、境外個人辦理結匯業務時，在交易真實、合法的情況下，等值5萬美元年度便利化額度內的經常項目結匯，可憑本人有效身份證件在銀行直接辦理；超過年度便利化額度的經常項目結匯，憑本人有效身份證件及相關證明材料辦理。
III. In cases of real and legal transactions, regular items within the US$ 50,000 annual facilitation fund can be transferred directly to the bank on the basis of a valid personal identification card, and more frequently on the basis of a valid identification card and supporting material than the annual facilitation service.
例如，某境外個人在境內需要支付房租，辦理結匯時，超過年度便利化額度的需要該人提供有效身份證件、房屋管理部門登記的房屋租賃合同、發票或支付通知。
For example, when a person outside the country is required to pay rent within the country, the processing of a transfer requires the person to provide valid identification documents, a rental contract for a house registered by the Department of Housing Management, a ticket or a payment notice over the annual facilitation amount.
四、境外個人辦理購匯業務時，憑本人有效身份證件和有交易額的相關證明材料（含稅務憑證）辦理。境外個人如持有《外國人永久居留身份證》，享有等值5萬美元年度便利化購匯額度。
If you are in possession of a Foreign National's Permanent Residence Identity Certificate, you will receive an equivalent of $50,000 in annual facilitation.
（一）個人當日存入外幣現鈔不超過等值5000美元的，可憑本人有效身份證件在銀行直接辦理；超過等值5000美元的，還需向銀行提供現鈔來源證明材料。
(i) A person who is deposited in a foreign currency on that day has no more than US$ 5,000 equivalent in cash, may be placed directly in the bank with his/her valid identification card; more than US$ 5,000 in cash is required to provide the bank with proof of origin.
（二）個人當日提取外幣現鈔不超過等值1萬美元的，可憑本人有效身份證件在銀行直接辦理；超過等值1萬美元的，憑本人有效身份證件、提鈔用途證明等材料辦理。
(ii) A person who withdraws the foreign currency cash on that day does not exceed the equivalent of $10,000. He or she may direct it to the bank with his or her valid identification document; he or she does so with his or her own valid identity card, proof of use of the deposit, etc.
例如，乙計劃到國外旅游，需要少量外幣現鈔用于零星花銷，可憑本人有效身份證件直接在銀行提取。
For example, Plan B travels abroad and requires small amounts of foreign currency cash to be used for piecemeal sales, which can be withdrawn directly from a bank on its own valid identification.
需要提示的是，大額外幣現鈔交易往往與詐騙、賭博、洗錢等犯罪活動關系緊密，多數國家對外幣現鈔管理均較為嚴格。此外，根據反洗錢、外匯管理等有關規定以及銀行自身的風險管理制度，銀行對一些異常、可疑、大額的外匯交易一般會主動開展盡職調查，包括要求個人提供一些證明材料。如果個人提供的材料不能說明外匯交易真實、合法，銀行可以拒絕辦理。
needs to point out that large foreign currency cash transactions are often closely linked to criminal activities such as fraud, gambling, money laundering, and so forth, and that most countries are more stringent in the management of foreign currency cash. Moreover, according to relevant regulations such as anti-money laundering, foreign-remittance management, and the bank’s own risk management system, banks generally open and investigate unusual, suspicious, and large foreign-transfer transactions, including by asking individuals to provide proof.
專題五 反洗錢知識
一、選擇安全可靠的金融機構
合法的金融機構接受監管，履行反洗錢義務，對客戶和機構自身負責。根據《中華人民共和國反洗錢法》的規定，金融機構對依法履行反洗錢職責或者義務獲得的客戶身份資料和交易信息，應當予以保密，非依法律規定，不得向任何單位和個人提供，確保金融機構客戶的隱私權和商業秘密得到保護。
Legal financial institutions are subject to supervision, carry out anti-money laundering duties, and are accountable to their clients and institutions themselves. According to the Chinese People’s Republic of China Anti-Money Laundering Act, financial institutions should keep confidential information about customer identification and transactions that they are legally obligated to perform their anti-money laundering duties or that they are obliged to obtain, and should not be made available to any department or individual, except by law, to ensure that their clients’ privacy rights and business secrets are protected.
地下錢莊等非法金融機構逃避監管，不僅可能為犯罪分子和恐怖勢力轉移資金、清洗“黑錢”，成為社會公害，而且無法保障客戶資金和財產的安全。
Illegal financial institutions, such as underground money houses, escape oversight and not only risk transferring funds for criminals and terrorist forces, laundering “black money”, becoming a social hazard and failing to guarantee the security of clients' money and property.
選擇安全可靠、嚴格履行反洗錢義務的金融機構，您的資金和個人信息才會更安全。
Your capital and personal information will be safer if you choose a financial institution that is safe, reliable and strictly accountable for its anti-money laundering obligations.
二、主動配合反洗錢義務機構進行身份識別
II. Identity recognition in collaboration with anti-money laundering agencies
（一）開辦業務時，請您帶好有效身份證件。
(i) Please have your valid ID on the start of your business.
有效身份證件是證明個人真實身份的重要憑證。為避免他人盜用您的名義、竊取您的財富，或是盜用您的名義進行洗錢等犯罪活動，當您開立賬戶、購買金融產品以及以任何方式與金融機構建立業務關系時：
In order to prevent others from using your name, stealing your wealth or laundering money in your name, when you open an account, buy financial products and establish business relations with financial institutions in any way:
1.出示有效身份證件或者其他身份證明文件；
1. Presentation of valid identification documents or other identification documents;
2.如實填寫您的身份信息；
2. Fill out your identity information as specified;
3.配合金融機構通過現場核查身份證件的真實性，或以電話、信函、電子郵件等方式向您確認身份信息；
3. To cooperate with financial institutions in verifying the authenticity of identity documents on the spot, or to confirm identity information by telephone, correspondence, e-mail, etc.;
4.回答金融機構工作人員的合理提問。
4. Respond to reasonable questions from financial institution employees.
如果您不能出示有效身份證件或者其他身份證明文件，金融機構工作人員將不能為您辦理相關業務。
If you do not have a valid ID or other identification document, you will not be able to handle your business.
（二）存取大額現金時，請出示有效身份證件。
(ii) When accessing large amounts of cash, please show valid identification.
凡是存入或取出5萬元以上人民幣或者等值1萬美元以上外幣時，金融機構須核對您的有效身份證件或身份證明文件。這不是限制您支配自己合法收入的權利，而是希望通過這樣的措施，防止不法分子渾水摸魚，保護您的資金安全，創造更安全、有效的金融市場環境。
This is not a restriction on your right to dispose of your legal income, but rather a measure to prevent illegal elements from touching fish, to protect your capital and to create a safer and more efficient financial market environment.
（三）他人替您辦理業務，代理人應出示他（她）和您的有效身份證件。
(iii) The agent shall show you his/her valid ID and your valid ID.
金融機構工作人員需要核實交易主體的真實身份，當他人代您辦理業務時，需要對代理關系進行合理的確認。
Financial institution employees need to verify the true identity of the trading entity and, when you are in charge of the business on your behalf, have reasonable confirmation of the agency's relationship.
當他人代您開立賬戶、購買金融產品、存取大額資金時，金融機構需要核對您和代理人的有效身份證件。
When you open an account for someone else, buy a financial product, and access a large amount of money, the financial institution needs to verify the valid identification of you and your agent.
（四）身份證件到期更換的，請及時通知金融機構更新相關信息。
(iv) Please notify the financial institution in due time to update the relevant information if the identity card is changed.
金融機構只能向身份真實有效的客戶提供服務，對于身份證件已過有效期的，超過合理期限仍未更新的，金融機構可中止辦理相關業務。
Financial institutions can only provide services to genuinely valid clients, and they can suspend their operations if the identity card has expired and has not been updated for a reasonable period.
三、不要出租或出借自己的身份證件
III, do not rent or borrow your own ID
出租或出借自己的身份證件，可能會產生以下后果：
The renting or lending of their identity documents may have the following consequences:
1.他人盜用您的名義從事非法活動；
1. The unlawful activities of others in your name;
2.協助他人完成洗錢和恐怖融資活動；
2. To assist others in carrying out money laundering and terrorist financing;
3.您可能成為他人金融詐騙活動的“替罪羊”；
You may become a scapegoat for other people's financial fraud;
4.您的誠信狀況受到合理懷疑；
4. There are reasonable doubts as to the state of your good faith;
5.您的聲譽和信用記錄因他人的不正當行為而受損。
5. Your reputation and credit records are damaged by the misconduct of others.
四、不要出租或出借自己的賬戶、銀行卡和U盾
賬戶、銀行卡和U盾不僅是您進行交易的工具，也是國家進行反洗錢資金監測和犯罪案件調查的重要途徑。貪官、毒販、詐騙分子、恐怖分子以及其他罪犯都可能利用您的賬戶、銀行卡和U盾進行洗錢和恐怖融資活動，因此，不出租、出借賬戶、銀行卡和U盾既是對您的權利的保護，又是守法公民應盡的義務。
The bank account, bank card, and ULG are not only a tool for your transactions, but also an important way for the state to conduct anti-money laundering surveillance and criminal investigations.
五、不要用自己的賬戶替他人提現
5 Do not use your own account to present
通過各種方式提現是犯罪分子最常采用的洗錢手法之一。有人受朋友之托或受利益誘惑，使用自己的個人賬戶或公司的賬戶為他人提取現金，為他人洗錢提供便利。然而，法網恢恢，疏而不漏。請您切記，賬戶將忠實記錄每個人的金融交易活動，請不要用自己的賬戶替他人提現。
It is one of the most common methods used by criminals to launder money in every way. Some people use their own personal accounts or company accounts to collect cash for others and to facilitate the laundering of money.
專題六 防范非法集資
一、非法集資的常見手段和典型特點
i. Common tools and typical features of illicit resource collection
（一）非法集資的常見手段
(i) Common means of illicit resource collection
一是承諾高額回報。不法分子編造“天上掉餡餅”“一夜成富翁”的神話，許諾投資者高額回報。為了騙取更多的人參與集資，非法集資人在集資初期往往按時足額兌現承諾本息，待集資達到一定規模后，便秘密轉移資金或攜款潛逃。
is a promise of high returns. outlaws make up the myth of “scratch pies in the sky” and promise investors high returns. In order to trick more people into participating in fund-raising, illegal fund-raisers tend to pay off their promises in full and on time at an early stage, and when the pool reaches a certain level, they secretly transfer funds or bail out funds.
二是編造虛假項目。不法分子大多通過注冊合法的公司或企業，打著響應國家產業政策、開展創業創新等幌子，編造各種虛假項目，有的甚至組織免費旅游、考察等，騙取社會公眾信任。
II is a fictional project. Most of the outlaws defraud the public by registering legitimate companies or businesses under the guise of responding to national industrial policies, opening up creative projects, creating false items, or even organizing free travel, study tours, etc.
三是以虛假宣傳造勢。不法分子在宣傳上往往一擲千金，聘請明星代言、名人站臺，在各大廣播電視、網絡等媒體發布廣告、在著名報刊上刊登專訪文章、雇人廣為散發宣傳單、進行社會捐贈等方式，制造虛假聲勢。
III is based on false propaganda. outlaws often pay a fortune in propaganda, hire star advocates, celebrity stations, advertise in major radio and television, online and other media, publish feature articles in well-known newspapers, hire people to spread propaganda, and make social donations to create false voices.
四是利用親情誘騙。有些類傳銷非法集資的參與人，為了完成或增加自己的業績，不惜利用親情、地緣關系，編造自己獲得高額回報的謊言，拉攏親朋、同學或鄰居加入，使參與人員迅速蔓延。
（二）典型非法集資活動的“四部曲”
(ii) "Four Songs" of typical illegal fund-raising activities
第一步：畫餅。非法集資人會編織一個或多個盡可能“高大上”的項目。以“新技術”、“新革命”、“新政策”、“區域鏈”、“虛擬貨幣”等為幌子，把集資參與人的胃口“吊”起來，讓其產生“不容錯過”“機不可失”的錯覺。
第二步：造勢。利用一切資源把聲勢做大。非法集資人通常會舉辦各種造勢活動，比如新聞發布會、產品推介會等；組織集體旅游、考察等，贈送小禮品；大量展示各種或真或假的“技術認證”“獲獎證書”“政府批文”等。
第三步：吸金。想方設法套取你口袋里的錢。非法集資人通過返點、分紅，給參與人初嘗“甜頭”，參與人不僅將自己的錢傾囊而出，還動員親友加入，集資金額越滾越大。
Step 3: Draws gold. seeks ways to secure the money in your pocket. By returning points, reds, illegal fund-raisers give the participants a taste of their first “sweet head”, participants not only pour out their money, but also bring in their relatives and friends.
第四部：跑路。非法集資人往往會在“吸金”一段時間后跑路，或者因為原本就是“龐氏騙局”人去樓空，或者因為經營不善致使資金鏈斷裂。
二、如何有效識別和防范非法集資
（一）如遇以下情形向公眾集資的，務必提高警惕：
1、以“看廣告、賺外快”“消費返利”為幌子的；
1. Under the guise of “watching advertisements, making quick profits” and “costing returns”;
2、以境外投資股權、期權、外匯、貴金屬等為幌子的；
2. Under the guise of offshore equity, tenure, foreign currency, precious metals, etc.;
3、以投資養老產業可獲高額回報或“免費”養老、“以房”養老等為幌子的；
3. Under the guise of high returns or “free” old-age, “household” old-age, etc., for investing in the industry;
4、以私募入股、合伙辦企業為幌子，但不辦理企業工商注冊登記的；
4 Under the guise of private equity, partnership, but not registered in the business register;
5、以投資虛擬貨幣、區塊鏈等為幌子的；
5. Under the guise of investing in virtual currency, block chains, etc.
6、以“扶貧”“互助”“慈善”“影視文化”等為幌子的；
6. Under the guise of “poverty alleviation”, “mutual solidarity”, “charitable”, “video culture”, etc.;
7、在街頭、商場、超市等發放投資理財等內容廣告傳單的；
7- Posters in the streets, malls, supermarkets, etc. for investing in money, etc.
8、以組織考察、旅游、講座等方式招攬老年群眾的；
8. Involve the elderly in the form of study tours, tours, lectures, etc.;
9、“投資、理財”公司、網站及服務器在境外的；
“Investment, finance” companies, websites and servers abroad;
10、要求以現金方式或向個人賬戶、境外賬戶繳納投資款的。
10: A person who requires an investment in cash or in a personal account or in an offshore account.
（二）投資理財注意事項
(ii) Investment Attention
1.不要輕易相信所謂的高息“保險”、高息“理財”，高收益意味著高風險。
The so-called high interest rates of “insurance”, high interest rates of “money management” should not be easily believed to mean high risk.
2.不被小禮品打動，不接收“先返息”之類的誘餌，記住天上不會掉餡餅。
Not to be moved by small gifts, not to receive baits such as “return first”, and to remember that pies do not fall in the sky.
3.要通過正規渠道購買金融產品。不與銀行、保險從業人員個人簽訂投資理財協議，不接收從業人員個人出具的任何收據、欠條；購買保險過程中要盡量做到“三查、兩配合”，即通過保險公司網站、客戶熱線或監管部門、行業協會網站查人員、查產品、查單證，配合做好轉賬繳費、配合做好回訪。
Financial goods are purchased through regular channels. No investment agreements are signed with banks, insurance employees or individuals, and no receipts or payments are received from individual employees; the purchase of insurance is done in a “triple and double-checking” manner, i.e. through the insurance company's website, the customer hot line or supervisory department, the trade union's website, the identification of personnel, the examination of products, the checking of documents, and cooperation in the transfer of fees and the return of visits.
4.注意保護個人信息，關注政府部門發布的非法集資風險提示，遇到涉嫌非法集資行為及時舉報投訴。
4. Pay attention to the protection of personal information, to the risks of illegal gathering of funds issued by government departments, and to the alleged illegal gathering of funds and the timely reporting of complaints.
（三）防范非法集資的“四看三思等一夜”法
(iii) Prevention of illegal resource collection through the "Thoughts and Nights" Act
四看。一看融資合法性，除了看是否取得企業營業執照，還要看是否取得相關金融牌照或經金融管理部門批準。二看宣傳內容，看宣傳中是否含有或暗示“有擔保、無風險、高收益、穩賺不賠”等內容。三看經營模式，有沒有實體項目，項目真實性、資金的投向去向、獲取利潤的方式等。四看參與集資主體，是不是主要面向老年人等特定群體。
. depends on the legitimacy of the capital, whether or not it is licensed to run a business, and whether or not it is licensed to obtain a financial license or approved by the Ministry of Financial Management. Second, on the content of the communication, whether it contains or implies “security, risk-freeness, high profitability, stability”. Third, on the mode of operation, and whether there are physical projects, the true nature of the project, the direction of the capital, and the way in which the profits are earned.
三思。一思自己是否真正了解該產品及市場行情。二思產品是否符合市場規律。三思自身經濟實力是否具備抗風險能力。
等一夜。遇到相關投資集資類宣傳，一定要避免頭腦發熱，先征求家人和朋友的意見，拖延一晚再決定。不要盲目相信造勢宣傳、熟人介紹、專家推薦，不要被高利誘惑盲目投資。
waits for the night. , when it comes to fund-raising campaigns, must avoid brain fever, consult family and friends, delay one night to decide. Don't blindly believe in propaganda, familiarity, expert advice, and be tempted to invest.
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