某銀行上海市分行國(guó)際貿(mào)易人民幣結(jié)算介紹

1、PAGE PAGE 106中國(guó)銀行股份有限公司上海市分行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)介紹書(shū)中國(guó)銀行股份有限公司上海市分行二OO九年一月前言上海是我國(guó)的金融中心,歷史的輝煌和近年的經(jīng)濟(jì)實(shí)力的提升為上海成為國(guó)際金融中心打下了堅(jiān)實(shí)的基礎(chǔ)。上海的金融市場(chǎng)體系日益完善，基本形成了一個(gè)由貨幣、外匯、股票、債券、期貨、黃金、保險(xiǎn)等構(gòu)成的全國(guó)性金融市場(chǎng)體系；金融機(jī)構(gòu)進(jìn)一步集聚，成為國(guó)內(nèi)中外資金融機(jī)構(gòu)的集聚地；金融產(chǎn)品創(chuàng)新步伐加快，成為中國(guó)金融產(chǎn)品最豐富、最集中的地方；金融生態(tài)環(huán)境逐步優(yōu)化，金融風(fēng)險(xiǎn)防范化解機(jī)制不斷完善。而上海市政府也已經(jīng)明確人民幣國(guó)際化是上海未來(lái)一段時(shí)間在金融體制建設(shè)方面所要推動(dòng)的三大重要方向之一，

2、并將“加強(qiáng)支付清算體系建設(shè)，打造支付清算中心，重點(diǎn)推動(dòng)人民幣跨境支付結(jié)算中心建設(shè)”定位于上海國(guó)際金融中心建設(shè)的核心內(nèi)容。這些都為上海開(kāi)展國(guó)際貿(mào)易人民幣結(jié)算試點(diǎn)工作創(chuàng)造了良好的外部環(huán)境和發(fā)展機(jī)遇。辦好國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)試點(diǎn)工作，對(duì)提升我行國(guó)際結(jié)算業(yè)務(wù)市場(chǎng)占有率，鞏固我行國(guó)際結(jié)算業(yè)務(wù)主渠道地位，提高競(jìng)爭(zhēng)力和豐富業(yè)務(wù)品種，創(chuàng)造良好的經(jīng)濟(jì)效益和社會(huì)效益，具有重要的戰(zhàn)略意義。為進(jìn)一步規(guī)范本行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)試點(diǎn)工作，規(guī)避業(yè)務(wù)風(fēng)險(xiǎn)，提高結(jié)算業(yè)務(wù)從業(yè)人員素質(zhì)，進(jìn)而提升我行在國(guó)內(nèi)外同業(yè)中競(jìng)爭(zhēng)力，特編寫(xiě)本介紹書(shū)。本介紹書(shū)重點(diǎn)匯集了上海市分行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)及相關(guān)資金、清算方面的對(duì)外協(xié)議、規(guī)章制度

3、、管理辦法、操作規(guī)程,以及中國(guó)人民銀行、國(guó)家外匯管理局、中國(guó)海關(guān)、商務(wù)部等相關(guān)部門(mén)針對(duì)國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)的有關(guān)文件。目錄第一部分中國(guó)銀行股份有限公司上海市分行人民幣貿(mào)易清算協(xié)議書(shū)（中英文版）第二部分中國(guó)銀行股份有限公司上海市分行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)操作規(guī)程第三部分中國(guó)銀行股份有限公司上海市分行國(guó)際貿(mào)易人民幣結(jié)算清算帳戶使用的管理辦法第一節(jié)國(guó)際貿(mào)易人民幣結(jié)算資金清算帳戶使用的管理辦法（暫行）第二節(jié)國(guó)際貿(mào)易人民幣結(jié)算資金清算帳戶使用操作規(guī)程國(guó)際貿(mào)易人民幣結(jié)算資金清算操作規(guī)程附件國(guó)際貿(mào)易人民幣結(jié)算賬務(wù)處理辦法（初稿）第四部分中國(guó)銀行股份有限公司上海市分行國(guó)際貿(mào)易人民幣結(jié)算資金交易方案第五部分中

4、國(guó)銀行股份有限公司上海市分行國(guó)際貿(mào)易人民幣結(jié)算服務(wù)方案第六部分制定國(guó)際貿(mào)易人民幣結(jié)算管理規(guī)定主要參考的政府部門(mén)文件（后補(bǔ)）第一部分中國(guó)銀行股份有限公司上海市分行人民幣貿(mào)易清算協(xié)議中國(guó)銀行股份有限公司上海市分行與XXXX商業(yè)銀行人民幣貿(mào)易清算協(xié)議書(shū)第一章總則甲方：中國(guó)銀行股份有限公司上海市分行注冊(cè)地址：乙方：xxxxxxxxxxxx銀行注冊(cè)地址：第1條協(xié)議的目的為方便中X兩國(guó)貿(mào)易的結(jié)算，促進(jìn)中X貿(mào)易的發(fā)展，繁榮兩國(guó)經(jīng)濟(jì)，減少貨幣市場(chǎng)波動(dòng)對(duì)貿(mào)易的影響。雙方經(jīng)協(xié)商一致，達(dá)成并簽訂本協(xié)議書(shū)，以共同遵守。第2條結(jié)算的主體甲乙雙方按其本國(guó)法律有權(quán)在國(guó)際貿(mào)易以人民幣進(jìn)行結(jié)算的客戶。如一方所在國(guó)的相關(guān)法律和監(jiān)

5、管條例發(fā)生變化，另一方需配合對(duì)本協(xié)議作相應(yīng)的修改。結(jié)算的條件人民幣結(jié)算國(guó)際貿(mào)易必須符合貿(mào)易雙方各自國(guó)家關(guān)于國(guó)際貿(mào)易的管理規(guī)定。雙方均有責(zé)任按照相關(guān)法律規(guī)定履行各自的反洗錢(qián)義務(wù)，人民幣貿(mào)易結(jié)算必須符合兩國(guó)監(jiān)管機(jī)構(gòu)和雙方上級(jí)行的規(guī)定。第二章帳戶帳戶的開(kāi)立乙方在甲方開(kāi)立中國(guó)人民幣（以下簡(jiǎn)稱“人民幣”）清算帳戶。在此情況下，甲方為帳戶行，乙方為開(kāi)戶行。甲方在本協(xié)議書(shū)生效之日起一五天內(nèi)，主動(dòng)為乙方開(kāi)立上述帳戶，并將帳戶編號(hào)等有關(guān)開(kāi)戶情況通知乙方。2、乙方開(kāi)立人民幣清算賬戶需注入xxxx人民幣作為鋪底資金。帳戶的使用1、雙方客戶使用人民幣結(jié)算者，資金清算通過(guò)乙方在甲方的人民幣帳戶進(jìn)行。雙方使用上述帳戶，須

6、遵守雙方各自國(guó)家的有關(guān)法律和中華人民共和國(guó)法律及中國(guó)監(jiān)管部門(mén)的規(guī)定。2、上述帳戶的貸記款項(xiàng)包括：（1）特定審批貿(mào)易貨款及其從屬費(fèi)用的收入。（2）用通用貨幣向?qū)Ψ劫I(mǎi)入的款項(xiàng)收入。在得到甲方所在國(guó)有權(quán)機(jī)構(gòu)審批的前提下，乙方按雙方約定的兩國(guó)貨幣間的匯率，向甲方申請(qǐng)買(mǎi)入人民幣，補(bǔ)充帳戶余額。（3）本協(xié)議第六條約定的賬戶利息。3、上述帳戶的借記款項(xiàng)包括：特定審批貿(mào)易貨款及其從屬費(fèi)用支出。退匯款項(xiàng)。（3）帳戶余額清算款項(xiàng)。（a）按照乙方的付款/交易指示劃轉(zhuǎn)。（b）以及/或按照本協(xié)議第9條規(guī)定處理。（4）本清算業(yè)務(wù)項(xiàng)下由甲方為乙方代扣代繳的所得稅。開(kāi)戶行可以將帳戶余額中的資金調(diào)撥給其他指定同類(lèi)人民幣清算帳戶

7、。開(kāi)戶行調(diào)撥帳戶資金的方法為使用SWIFT相對(duì)應(yīng)的格式。4、開(kāi)戶行有權(quán)支配在對(duì)方開(kāi)立的上述帳戶上的資金，但不能透支。5、上述帳戶的借記，除本協(xié)議另有規(guī)定外，憑開(kāi)戶行的授權(quán)辦理。6、上述帳戶的借記授權(quán)、借記通知和貸記通知，約定僅可通過(guò)SWIFT 方式傳遞。7、接收方收到借記授權(quán)、借記通知和貸記通知，經(jīng)核對(duì)無(wú)誤，必須當(dāng)天記帳。如遇非清算日，則于下一工作日入帳。甲方將向乙方提供節(jié)假日清單。帳戶的利息上述帳戶的利息由帳戶行支付。計(jì)算帳戶利息，利率參照中國(guó)人民銀行公布的超額準(zhǔn)備金率（ HYPERLINK x/detail.asp?col=100&ID=2942&keyword= xxp

8、x/detail.asp?col=100&ID=2942&keyword=超額準(zhǔn)備金），于每季最后一月的21日計(jì)付。計(jì)付利息在扣除所得稅后于當(dāng)天直接貸記該帳戶。帳戶終止時(shí)，利息在清算日計(jì)算，計(jì)至清算日前一天，與帳戶余額一并清算。對(duì)帳使用SWIFT MT950對(duì)賬單方式進(jìn)行對(duì)賬。在業(yè)務(wù)發(fā)生的次日，甲方向乙方發(fā)送SWIFT MT950對(duì)賬單。開(kāi)戶行收到后三個(gè)工作日內(nèi)對(duì)帳完畢，或在三個(gè)工作日內(nèi)進(jìn)行查詢。對(duì)于開(kāi)戶行的查詢，帳戶行應(yīng)于三個(gè)工作日內(nèi)答復(fù)。帳戶的收費(fèi)帳戶上的借貸記交易、查詢查復(fù)、接受止付、境內(nèi)資金調(diào)撥、帳戶的維護(hù)等，所發(fā)生的費(fèi)用均不向開(kāi)戶行收取。涉及第三方的結(jié)算業(yè)務(wù)，其費(fèi)用按本協(xié)

9、議的第12條處理。帳戶余額的清算 1、清算的方法：帳戶余額的清算，由甲乙雙方協(xié)商同意而確定。 2、帳戶余額的清算日期、清算金額、由甲乙雙方協(xié)商一致后，以加押文件確認(rèn)。3、帳戶終止或本協(xié)議終止時(shí)，該差額部分也可由帳戶行依照其總行公布的兌換當(dāng)日的可自由兌換外匯的現(xiàn)匯賣(mài)出價(jià)兌換成可自由兌換外匯，然后按開(kāi)戶行的指示處理。結(jié)算方式第10條結(jié)算方式種類(lèi)：匯款托收信用證保理保函雙方同意修改和補(bǔ)充的其它結(jié)算方式。第11條結(jié)算費(fèi)用雙方為客戶辦理結(jié)算業(yè)務(wù)，如非特別約定，雙方按各自的費(fèi)率表向客戶或向委托方收取。匯入行因第三方發(fā)生的異地匯款費(fèi)用按雙方各自規(guī)定的標(biāo)準(zhǔn)向收款人收取。雙方應(yīng)及時(shí)向?qū)Ψ教峁┢滟M(fèi)率表。第四章雙方

10、往來(lái)第12條聲明與保證雙方保證各自有簽訂本協(xié)議的權(quán)力。第一三條電訊往來(lái)雙方電訊往來(lái)，通過(guò)SWIFT系統(tǒng)進(jìn)行。第14條書(shū)面文件的交換交換內(nèi)容：雙方的書(shū)面文件的傳遞，除可通過(guò)SWIFT系統(tǒng)方式外，也可通過(guò)信函方式進(jìn)行。第一五條文件和憑證的證實(shí)雙方書(shū)面往來(lái)，業(yè)務(wù)憑證除本協(xié)議書(shū)另有規(guī)定外，用有權(quán)簽字人的印章或簽字證實(shí)。乙方使用的所有的印章和簽字需與其先前留存在甲方總行（北京）的樣本相一致。第16條信息披露：雙方同意對(duì)方將與協(xié)議相關(guān)的信息向以下各方進(jìn)行披露：雙方的總部、及雙方在各地的控股公司、附屬公司或控股公司的附屬公司及代表處，分支機(jī)構(gòu)；上述（a）中提及的所有機(jī)構(gòu)的專業(yè)顧問(wèn)（在其負(fù)有保密義務(wù)的前提下）

11、；為上述（a）中提及的所有機(jī)構(gòu)提供直接或間接的信用擔(dān)保的保險(xiǎn)公司、保險(xiǎn)公司經(jīng)紀(jì)人以及評(píng)級(jí)機(jī)構(gòu)。對(duì)上述（a）中提及的機(jī)構(gòu)有司法管轄權(quán)的法院、仲裁機(jī)構(gòu)，監(jiān)管機(jī)構(gòu)，或政府機(jī)構(gòu)。第17條文字雙方往來(lái)的文件、函電和憑證，除本協(xié)議另有規(guī)定外，盡可能使用英文。當(dāng)中英文出現(xiàn)歧義時(shí)，以中文為準(zhǔn)。第一八條往來(lái)原則雙方業(yè)務(wù)往來(lái)，應(yīng)貫徹信來(lái)信往、電來(lái)電往原則。第五章其它第19條失誤與不可抗力雙方應(yīng)共同遵守本協(xié)議。如因一方的過(guò)錯(cuò)造成對(duì)方損失，則由過(guò)錯(cuò)方承擔(dān)賠償責(zé)任。如遇不可抗力（包括戰(zhàn)爭(zhēng)、自然災(zāi)害、傳染性疾病、大規(guī)模動(dòng)亂、罷工、軍事政變、國(guó)家政體頒布法令造成雙方法律關(guān)系的變更或違約）發(fā)生，使雙方不能履行各自的義務(wù)，或者

12、超過(guò)雙方的合理控制的情況，雙方對(duì)在這一時(shí)期內(nèi)未履行、不適當(dāng)履行各自的義務(wù)不承擔(dān)責(zé)任。但遇不可抗力時(shí)，相應(yīng)方應(yīng)當(dāng)及時(shí)通知對(duì)方，并且采取合理的措施以減少損失。第20條法律適用及爭(zhēng)議的解決本協(xié)議適用中華人民共和國(guó)法律。甲乙雙方已經(jīng)其總行全權(quán)授權(quán)執(zhí)行本協(xié)議。雙方的分歧和爭(zhēng)議，通過(guò)友好協(xié)商解決。如達(dá)不到一致，由雙方的上級(jí)行或總行協(xié)商解決。協(xié)商不成的，3個(gè)月內(nèi)任何一方均有權(quán)提交中國(guó)國(guó)際經(jīng)濟(jì)貿(mào)易仲裁委員會(huì)解決。費(fèi)用由仲裁結(jié)果中不利的一方承擔(dān)。第21條協(xié)議的效期本合同在同時(shí)滿足下列條件時(shí)生效：雙方負(fù)責(zé)人或其授權(quán)簽字人簽字確認(rèn)已經(jīng)從政府或者監(jiān)管當(dāng)局獲得了開(kāi)展國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)的許可。并且乙方已經(jīng)按照本協(xié)議第

13、5條的規(guī)定向人民幣清算賬戶中注入了鋪墊資金RMB（）。以及任何與本協(xié)議第2條所涉及的批準(zhǔn)，上述（a）中所涉及的許可相關(guān)的所有補(bǔ)充文件的生效。本協(xié)議書(shū)的終止，由本協(xié)議書(shū)的簽字雙方商議決定。協(xié)議一方書(shū)面提出終止協(xié)議的，協(xié)議將于對(duì)方收到該書(shū)面文件后三個(gè)月終止。終止日后，本協(xié)議對(duì)終止日前發(fā)生的但未結(jié)清業(yè)務(wù)仍然有效。第22條協(xié)議的補(bǔ)充和修改本協(xié)議如有未盡事宜或需更改，補(bǔ)充協(xié)議由本協(xié)議簽字雙方在協(xié)商一致的基礎(chǔ)上簽訂。第23條協(xié)議的文本本協(xié)議及其附件與將來(lái)可能的補(bǔ)充協(xié)議，以英文簽訂，各一式兩份，雙方各持一份，具有同等效力。本協(xié)議簽訂地點(diǎn)：中國(guó)上海簽訂時(shí)間：年月日。中國(guó)銀行股份有限公司 XXX商業(yè)銀行上海市分

14、行 XXX分行有權(quán)簽字人：有權(quán)簽字人：RMB clearing Agreement Dated: _Party A: BANK OF CHINA, Shanghai Branch Registered Address: Party B: Registered Office: CHAPTER I GENERAL PROVISIONSArticle 1 purposes of this agreement Whereas, to facilitate settlement of renminbi (“RMB”) in international trade, and with a view to

15、mitigate risk arising from fluctuation of currency, and to promote the economic development and prosperity ofChina and_(country name), the Parties have agreed to the following terms and conditions.Article 2compliance with laws and regulationsEach of the Parties confirms that it is permitted to provi

16、de settlement services in RMB for international trade under its respective laws and regulations and each confirms that it will abide by relevant regulations of its respective supervisory authority when providing such services. Each Party acknowledges that the terms and conditions of this Agreement m

17、ay be modified at the request of the other Party (“Second Party”) as a result of the imposition of any regulatory requirement (whether or not having the force of law) in the jurisdiction of the Second Party or of any change in the Second Partys local laws and regulations governing such services, and

18、 the Parties will co-operate to amend this Agreement to give effect to such requirement or change.Article 3 pre-conditions of clearingTrade transactions to which the RMB clearing services under thisAgreement relate should comply with laws and regulations applicable to both Parties. Both parties shou

19、ld assume their responsibilities with respect to applicable anti-money laundering laws and regulations.Chapter II ACCOUNT MAINTENANCEArticle 4 Account Opening1. Party A will open a RMB clearing account in the name of Party B (“Clearing Account”) within 一五 days of the date of this Agreement, and will

20、 provide the relevant account opening information, such as account no. to Party B.2. Party B will deposit an amount of xxxxx in RMB in the Clearing Account as minimum requirement.Article 5 Use of the account 1. Clients of both Parties may settle trade transactions in RMB through the Clearing account

21、.2.Credit entries of the Clearing Account include:（1）trade payment and -associated fees duly approved by Party A(2)proceedsexchanged from Party A by convertible currency.The exchange can only be carried out upon approval from the governmental authority in the country/region of Party A. Party B could

22、 therefore apply for buying RMB（） to supplement the balance at the rate agreed by both parties. (3) any interest accrued in the Clearing Account pursuant to Article 6 3、Debit entries of the Clearing Account include:(1) trade payment and associatedfees duly approved by Party A(2) refunding(3) account

23、 balance execution of Party Bs other feasible payment/transaction instructionsand/or as per article 9(4)withholding tax, which Party A is obliged to pay on behalf of Party B (non-resident) for interests and other benefits arising from subject clearing account. 4. Party B has all the right to the bal

24、anceof above-mentioned account. Overdraft of the Clearing Account is not allowed.5、Other than as expressly provided in this Agreement, no amount may be debited from the Clearing Account unless express authorization in writing is received from Party B.6、All instructions and notifications made with re

25、spect to the Clearing Account can only be transmitted in authenticated SWIFT format.7、Party A must process and book all instructions and notifications on the same day of its receipt, provided in the case of any instruction from Party B, such instruction is complete and correct. In case of non-cleari

26、ng day, an instruction will be executed in the next clearing day. Holiday list will be provided to Party B regularly by Party A.For the purposes of this Agreement, “clearing day” refers to a day when banks are generally open for RMB clearing in Shanghai.Article 6 Account interestsParty A will pay in

27、terest on a quarterly basis on the sum standing in credit in the Clearing Account after deduction of withholding tax., the applicable rate ofwhich will be calculated based on savings rate of over-quoted reserves as issued by China Central Bank via HYPERLINK x/detail.asp?col=100&ID=2942&keyw

28、ord= x/detail.asp?col=100&ID=2942&keyword=超額準(zhǔn)備金.Any interest accruedwill be credited to the Clearing Account at 21th of last month of each quarter, which will be extended to the following working in case of it falls on non-working day of Party A. _. Upon closure of the Clearing Account, the

29、 interest would be credited on the day of closure, the calculation of which is based on the sum standing in credit up to the day of closure.Article 7 StatementsStatements for the Clearing Account will be sent in format of SWIFT MT950. Party A will send SWIFT MT950 to Party B on the following -cleari

30、ng day after each account occurrence. Party B willsubmit any inquiry on such statements within three working days of actual receipt. Party A will respond to any inquiry within three working days after receipt of such inquiry.Article 8 Account chargesWithout prejudice to Article 11, Party B will not

31、be charged for services with respect to the Clearing Accountincluding credit/debit transaction, inquiry and investigation (provided such inquiry does not exceed one year) acceptance of non-payment instruction, domestic transfer and account maintenance. Article 9Account balance settlement1. settlemen

32、t means: the account balance settlement will be jointly decided after the consultation by the two parties2. Clearing date and amount of account balance will be confirmed by authenticated SWIFT after two parties consent.3. when the account cancels or the agreement terminates, the balance, including t

33、he initial amount, can be exchanged into the convertible currency at the applied exchange rate released by the head office of Party A, then dealt with the further instruction of Party B.Chapter III Settlement methodsArticle 10 Means of settlement1. remittance2. collection3. letter of credit4. factor

34、ing5. guarantee6. Other supplemented settlement types, as agreed by both parties.Article 11 Settlement chargesBoth Parties will charge their respective clients in accordance with their respective fee standards. Chapter IVCommunicationArticle 12 Representations and WarrantiesEach Party represents and

35、 warrants to the other Party that it has full power and authority to enter into this Agreement.Article一三 CommunicationAny communication between the Parties under this Agreement will (unless otherwise specified in this Agreement) be made by authenticated SWIFT.Article 14 Exchange of documents in writ

36、ten formContent of exchange: Both parties written documents can be transmitted by SWIFT system or delivery by registered post.Article 一五 Confidential issuesThe test key, if any, and specimen signatures under this agreement will be governed by the existing practice between Party B and Party As headqu

37、arter in Beijing.Article 16 DisclosureEach of the Parties consent to the other Party disclosing from time to time any information relating this Agreement to:the first Partys head office, holding companies, subsidiaries or subsidiaries of its holding companies, affiliates, representative and branch o

38、ffices in any jurisdiction (collectively with the first Party, the “Permitted Parties”);professional advisers and service providers of the Permitted Parties who are under a duty of confidentiality to the Permitted Parties;any rating agency or any insurer or insurance broker of, or direct or indirect

39、 provider of credit protection to any Permitted Party; andany court or tribunal or regulatory, supervisory, governmental or quasi-governmental authority with jurisdiction over the Permitted Parties.Article 17 LanguageThe documents and certificates during communication should be in English. In case o

40、f inconsistency, the Chinese version of this Agreement prevails.Article 一八 Communication RulesBoth parties should follow the rule of mail-to-mail, telex-to-telex in mutual communication.Chapter V MiscellaneousArticle 19 defaults and force majeureBoth parties must observe its respective obligations u

41、nder this Agreement. A Party will compensate the other Party for any actual and direct losses suffered by the other Party as a result of the first Partys gross negligence, wilful default or fraud. Neither Party will be liable for the non-performance of any obligation under this Agreement as a result

42、 of the occurrence of a force majeure (being: natural disaster, infectious disease, strike, military coup) or as a result of anychange in applicable law or regulation affecting the services to be provided under this Agreement, but both Parties should notify the other Party as soon as reasonably prac

43、ticable and take reasonable steps to mitigate any loss.Article 20Disputes settlementThis Agreement is governed by the laws of Peoples Republic of ChinaAny disputes arising from this Agreement should be settled through mutual consultation between both Parties. If no resolution is reached within 3 mon

44、ths either Party is entitled to apply for final settlement by way of arbitration at China International Economic and Trade Arbitration Commission Shanghai Branch. Costs will be borne by the Party against whom the decision has been made.Article 21 Effectiveness and termination of this agreementThis A

45、greement is only effective:(a) when both Party A and Party B confirms in writing to each other that it has obtained all requisite approvals and consents (and satisfied all conditions imposed thereunder) from any relevant government or supervisory authority in any relevant jurisdiction to provide set

46、tlement services in RMB for international trade under its respective laws and regulations; and(b) Party B deposits an amount in RMB （）to the Clearing Account pursuant to Article 5;and is subject to execution of any supplemental document as may be required pursuant to Article 2 and/or in connection w

47、ith the approvals and consents referred to in (a) above.ThisAgreement may be terminated at any time by mutual agreement of both Parties,or upon the giving of no less than three months notice in writing from one Party to the other. despite of the termination, the outstanding transactions will still b

48、e governed by this agreement. Article 22AmendmentsWithout prejudice to Article 2, this Agreement may be amended if agreed by both Parties in writing.Article 23-version The agreement in duplicate, along with appendix (if any), is signed in Chinese/English with equal effect, and either Party shall hol

49、d one copy.Party A:_Party B: Authorized RepresentativeAuthorized RepresentativeAt:At:第二部分中國(guó)銀行股份有限公司上海市分行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)操作規(guī)程總則授權(quán)管理處理業(yè)務(wù)原則外匯管理審核辦法（分二套方案）對(duì)新客戶的初審進(jìn)口信用證及代收進(jìn)口信用證跟單進(jìn)口代收貿(mào)易項(xiàng)下匯出國(guó)外匯款受理要點(diǎn)電匯業(yè)務(wù)出口信用證及托收出口信用證跟單托收貿(mào)易項(xiàng)下國(guó)外匯入?yún)R款內(nèi)部控制與后期管理第一節(jié)國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)內(nèi)部控制第二節(jié)國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)檔案管理第三節(jié)國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)統(tǒng)計(jì)第十一章附則中國(guó)銀行股份有限公司上海市分行國(guó)

50、際貿(mào)易人民幣結(jié)算業(yè)務(wù)操作規(guī)程第一章總則一、為加強(qiáng)我行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)的管理，促進(jìn)我行國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)試點(diǎn)工作的穩(wěn)健發(fā)展，特制定本規(guī)程。二、本操作規(guī)程依據(jù)國(guó)家相關(guān)法律法規(guī)、國(guó)際商會(huì)制定的跟單信用證統(tǒng)一慣例（UCP600）、托收統(tǒng)一規(guī)則(URC522)、信用證項(xiàng)下銀行間償付規(guī)則(URR725)等國(guó)際慣例以及國(guó)際銀行操作實(shí)務(wù)、總行制定的中國(guó)銀行股份有限公司國(guó)際結(jié)算及貿(mào)易融資業(yè)務(wù)基本規(guī)定(2008年版)及我行其他相關(guān)規(guī)定而制定。三、本操作規(guī)程項(xiàng)下國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)業(yè)務(wù)應(yīng)嚴(yán)格按中國(guó)人民銀行金融機(jī)構(gòu)反洗錢(qián)規(guī)定和金融機(jī)構(gòu)大額交易和可疑交易報(bào)告管理辦法（央行2006年2號(hào)令，自2007年3月1

51、日起施行）的相關(guān)規(guī)定和要求，建立大額和可疑交易上報(bào)制度。四、本操作規(guī)程適用于國(guó)際信用證、跟單托收、匯款等對(duì)公國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)；五、本操作規(guī)程涉及的會(huì)計(jì)核算手續(xù)、會(huì)計(jì)科目的使用,按照中國(guó)銀行總行財(cái)會(huì)部的有關(guān)規(guī)定執(zhí)行。六、本操作規(guī)程所涉及業(yè)務(wù)檔案從業(yè)務(wù)完結(jié)日起保存5年備查。第二章授權(quán)管理一、國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)實(shí)行直接授權(quán)、轉(zhuǎn)授權(quán)和補(bǔ)充授權(quán)相結(jié)合的授權(quán)制度。被授權(quán)人須在總分行授予的權(quán)限范圍內(nèi)辦理業(yè)務(wù)。二、國(guó)際貿(mào)易人民幣結(jié)算業(yè)務(wù)按照產(chǎn)品線進(jìn)行管理。1、分行國(guó)際結(jié)算部管理權(quán)限：（1) 全轄及本部業(yè)務(wù)的歸口管理；（2）全轄及本部進(jìn)口單證業(yè)務(wù)的操作管理；（3）上收支行及本部出口單證業(yè)務(wù)的操作管理。

52、2、上收單位（浦東分行、楊浦、徐匯、閘北、虹口、普陀、靜安、浦開(kāi)發(fā)、黃浦、盧灣、長(zhǎng)寧支行）的管理權(quán)限：（1）本級(jí)及轄屬機(jī)構(gòu)進(jìn)出口業(yè)務(wù)的日常管理。3、未上收單位（分行營(yíng)業(yè)部、寶山、閔行、南匯、松江、嘉定、奉賢、金山、青浦、中銀支行）的管理權(quán)限：（1）本級(jí)及轄屬機(jī)構(gòu)進(jìn)口業(yè)務(wù)的日常管理；（2）本級(jí)及轄屬機(jī)構(gòu)出口業(yè)務(wù)的操作管理和日常管理。第三章處理業(yè)務(wù)原則一、本著“了解你的客戶、了解你客戶的業(yè)務(wù)”的原則辦理業(yè)務(wù)。嚴(yán)格遵照我行“反洗錢(qián)”及“反恐怖融資”的相關(guān)規(guī)定受理各項(xiàng)業(yè)務(wù)。遇到可疑情況，按照我行及外部監(jiān)管機(jī)構(gòu)規(guī)定及時(shí)報(bào)告。二、按照客戶委托和指示辦理業(yè)務(wù)，嚴(yán)格遵守“為客戶保密”的原則。三、辦理業(yè)務(wù)應(yīng)至少

53、經(jīng)兩人（經(jīng)辦、復(fù)核）處理。四、各級(jí)業(yè)務(wù)人員必須按中國(guó)銀行簽字樣本董事長(zhǎng)授權(quán)書(shū)規(guī)定的業(yè)務(wù)范圍和金額標(biāo)準(zhǔn)簽發(fā)有關(guān)文件、憑證、函件，不得越權(quán)、不得變通。五、國(guó)際收支申報(bào)業(yè)務(wù)和進(jìn)出口核銷(xiāo)業(yè)務(wù)的處理應(yīng)按外匯管理局有關(guān)規(guī)定辦理。六、費(fèi)率、匯率和利率應(yīng)按總分行相關(guān)職能部門(mén)的有關(guān)規(guī)定執(zhí)行。七、SWIFT操作系統(tǒng)的使用及權(quán)限按總分行相關(guān)職能部門(mén)的授權(quán)規(guī)定辦理。八、涉及工商客戶的授信業(yè)務(wù)應(yīng)按總分行風(fēng)險(xiǎn)管理部的有關(guān)規(guī)定執(zhí)行，涉及金融機(jī)構(gòu)的授信業(yè)務(wù)應(yīng)按總分行金融機(jī)構(gòu)部門(mén)的有關(guān)規(guī)定執(zhí)行。九、各項(xiàng)業(yè)務(wù)的會(huì)計(jì)核算手續(xù)、會(huì)計(jì)科目的使用，應(yīng)按總分行會(huì)計(jì)結(jié)算部的有關(guān)規(guī)定辦理。十、辦理業(yè)務(wù)要遵照及時(shí)處理的原則，不得無(wú)故拖延、積壓。

54、十一、業(yè)務(wù)檔案必須完整、有序、規(guī)范、真實(shí)、整潔。業(yè)務(wù)檔案一般不對(duì)外辦理借調(diào)手續(xù)。業(yè)務(wù)檔案從業(yè)務(wù)完結(jié)日起留存五年備查。第四章外匯管理審核辦法第一套方案一、進(jìn)口進(jìn)口企業(yè)貿(mào)易進(jìn)口項(xiàng)下對(duì)外支付人民幣，參照結(jié)匯、售匯及付匯管理規(guī)定、貿(mào)易信貸登記管理系統(tǒng)操作指引、貿(mào)易進(jìn)口付匯核銷(xiāo)監(jiān)管暫行辦法及其他有關(guān)規(guī)定，憑有效商業(yè)單證和有效憑證從其人民幣賬戶中支付，并進(jìn)行網(wǎng)上付匯核銷(xiāo)及國(guó)際收支統(tǒng)計(jì)申報(bào)：跟單信用證結(jié)算的貿(mào)易進(jìn)口，在開(kāi)證時(shí)，須審核進(jìn)口合同、開(kāi)證申請(qǐng)書(shū)等；付匯時(shí)，還應(yīng)審核信用證結(jié)算方式要求的有效商業(yè)單據(jù)；用跟單托收方式結(jié)算的貿(mào)易進(jìn)口，須審核進(jìn)口合同、進(jìn)口付匯通知書(shū)及跟單托收結(jié)算方式要求的有效商業(yè)單據(jù)等憑證材

55、料；用貨到付款方式結(jié)算的貿(mào)易進(jìn)口，須審核進(jìn)口單位匯款申請(qǐng)書(shū)、進(jìn)口合同、商業(yè)發(fā)票、正本進(jìn)口貨物報(bào)關(guān)單等憑證材料；還應(yīng)當(dāng)將相應(yīng)的進(jìn)口貨物報(bào)關(guān)單在“中國(guó)電子口岸進(jìn)口付匯系統(tǒng)”上及時(shí)核注、結(jié)案，并在相關(guān)材料上簽注蓋章。跟單托收、貨到付款方式結(jié)算的貿(mào)易進(jìn)口需滿足外匯管理局對(duì)進(jìn)口項(xiàng)下延期付款的管理要求。二、出口嚴(yán)格按照出口收匯核銷(xiāo)管理辦法、出口收匯核銷(xiāo)管理辦法實(shí)施細(xì)則、貿(mào)易信貸登記管理系統(tǒng)操作指引和其他有關(guān)規(guī)定，為企業(yè)辦理出口收匯核銷(xiāo)及國(guó)際收支統(tǒng)計(jì)申報(bào)。當(dāng)企業(yè)受到外方支付以人民幣計(jì)價(jià)的貿(mào)易款項(xiàng)，應(yīng)當(dāng)先進(jìn)入該企業(yè)待核查帳戶，待出口電子數(shù)據(jù)聯(lián)網(wǎng)核查后，劃入該企業(yè)人民幣往來(lái)帳戶。第二套方案一、進(jìn)口進(jìn)口企業(yè)貿(mào)易進(jìn)

56、口項(xiàng)下對(duì)外支付人民幣，參照結(jié)匯、售匯及付匯管理規(guī)定及其他有關(guān)規(guī)定，憑有效商業(yè)單證和有效憑證從其人民幣賬戶中支付，并進(jìn)行國(guó)際收支統(tǒng)計(jì)申報(bào)：跟單信用證結(jié)算的貿(mào)易進(jìn)口，在開(kāi)證時(shí)，須審核進(jìn)口合同、開(kāi)證申請(qǐng)書(shū)等；付匯時(shí)，還應(yīng)審核信用證結(jié)算方式要求的有效商業(yè)單據(jù)；用跟單托收方式結(jié)算的貿(mào)易進(jìn)口，須審核進(jìn)口合同、進(jìn)口付匯通知書(shū)及跟單托收結(jié)算方式要求的有效商業(yè)單據(jù)等憑證材料；用貨到付款方式結(jié)算的貿(mào)易進(jìn)口，須審核進(jìn)口單位匯款申請(qǐng)書(shū)、進(jìn)口合同、商業(yè)發(fā)票、正本進(jìn)口貨物報(bào)關(guān)單等憑證材料；還應(yīng)當(dāng)將相應(yīng)的進(jìn)口貨物報(bào)關(guān)單在“中國(guó)電子口岸進(jìn)口付匯系統(tǒng)”上及時(shí)核注、結(jié)案，并在相關(guān)材料上簽注蓋章。跟單信用證、跟單托收方式結(jié)算的進(jìn)口

57、付匯后，在規(guī)定時(shí)間內(nèi)，還應(yīng)將相應(yīng)的進(jìn)口貨物報(bào)關(guān)單在“中國(guó)電子口岸進(jìn)口付匯系統(tǒng)”上及時(shí)核注、結(jié)案，并在相關(guān)材料上簽注蓋章。二、出口嚴(yán)格按照國(guó)際收支統(tǒng)計(jì)申報(bào)管理辦法及其他有關(guān)規(guī)定，為企業(yè)辦理國(guó)際收支統(tǒng)計(jì)申報(bào)。當(dāng)企業(yè)受到外方支付以人民幣計(jì)價(jià)的貿(mào)易款項(xiàng)，進(jìn)行出口電子數(shù)據(jù)聯(lián)網(wǎng)核查后，劃入該企業(yè)人民幣往來(lái)帳戶。第五章對(duì)新客戶的初審對(duì)首次委托我行辦理業(yè)務(wù)的客戶，應(yīng)根據(jù)業(yè)務(wù)性質(zhì)對(duì)其進(jìn)行資格審查。一、辦理進(jìn)口業(yè)務(wù)的新客戶，應(yīng)要求其提供以下資料：1、工商營(yíng)業(yè)執(zhí)照(副本)復(fù)印件；2、批準(zhǔn)其經(jīng)營(yíng)進(jìn)出口業(yè)務(wù)的批文原件(如需)；3、客戶隸屬關(guān)系批件(如有)；4、組織機(jī)構(gòu)代碼證復(fù)印件；5、使用我行統(tǒng)一制定的客戶檔案資料卡，

58、在資料卡上，客戶需列明： (1)與許可證、營(yíng)業(yè)執(zhí)照相符的中、英文單位全稱；(2)列明由法人代表書(shū)面授權(quán)的各類(lèi)業(yè)務(wù)被授權(quán)人員的簽樣、企業(yè)印模及具體業(yè)務(wù)授權(quán)范圍。該資料卡背面必須加蓋企業(yè)公章； (3)客戶的企業(yè)名稱、法定代表人必須與進(jìn)出口業(yè)務(wù)批文(如有)、工商營(yíng)業(yè)執(zhí)照中的有關(guān)內(nèi)容相符； (4)企業(yè)承諾在企業(yè)改組、變更經(jīng)營(yíng)范圍、法人代表變更以及企業(yè)被授權(quán)人員及/或各類(lèi)簽樣、印模、授權(quán)范圍發(fā)生變更時(shí)，應(yīng)及時(shí)書(shū)面通知我行對(duì)原資料卡進(jìn)行更改、補(bǔ)充。其中公司及公司法人代表更名應(yīng)出具新工商營(yíng)業(yè)執(zhí)照（副本）復(fù)印件。6、開(kāi)證如收取保證金應(yīng)與客戶簽訂保證金質(zhì)押總協(xié)議。二、辦理出口業(yè)務(wù)的新客戶，應(yīng)要求其向我行提交如下

59、資料：1、工商營(yíng)業(yè)執(zhí)照（副本）復(fù)印件；2、批準(zhǔn)其經(jīng)營(yíng)進(jìn)出口業(yè)務(wù)的批文原件(如需)；3、加蓋公章的對(duì)公企業(yè)基本情況表（傳真件可接受）；4、組織機(jī)構(gòu)代碼證（復(fù)印件）。三、辦理國(guó)內(nèi)結(jié)算業(yè)務(wù)的新客戶應(yīng)提交如下資料：1、工商營(yíng)業(yè)執(zhí)照（副本）復(fù)印件；2、使用我行統(tǒng)一制定的客戶檔案資料卡，在資料卡上，客戶需列明： (1)與營(yíng)業(yè)執(zhí)照相符的單位全稱； (2)列明由法人代表書(shū)面授權(quán)的各類(lèi)業(yè)務(wù)被授權(quán)人員的簽樣、企業(yè)印模及具體業(yè)務(wù)授權(quán)范圍。該資料卡背面必須加蓋企業(yè)公章； (3)客戶的企業(yè)名稱、法定代表人必須與工商營(yíng)業(yè)執(zhí)照中的有關(guān)內(nèi)容相符；（4）企業(yè)承諾在企業(yè)改組、變更經(jīng)營(yíng)范圍、法人代表變更以及企業(yè)被授權(quán)人員及/或各類(lèi)

60、簽樣、印模、授權(quán)范圍發(fā)生變更時(shí)，應(yīng)及時(shí)書(shū)面通知我行對(duì)原資料卡進(jìn)行更改、補(bǔ)充。其中公司及公司法人代表更名應(yīng)出具新工商營(yíng)業(yè)執(zhí)照（副本）復(fù)印件。四、檔案保管根據(jù)客戶提供的以上資料建立客戶基本檔案：1、進(jìn)口客戶資料，按照客戶順序編號(hào)，由國(guó)際結(jié)算部風(fēng)險(xiǎn)管理與外匯管理團(tuán)隊(duì)保管?？蛻艋緳n案應(yīng)包括以下內(nèi)容：（1）營(yíng)業(yè)執(zhí)照(副本)復(fù)印件,核對(duì)年檢欄是否蓋年檢章；（2）批準(zhǔn)經(jīng)營(yíng)進(jìn)出口業(yè)務(wù)的批文(如有)；（3）組織機(jī)構(gòu)代碼證（復(fù)印件）；（4）客戶隸屬關(guān)系批件(如有)；（5）客戶中、英文全稱；（6）客戶檔案資料卡；（7）對(duì)外付匯進(jìn)口單位名錄卡（如有）或進(jìn)口付匯備案表（如有）；（8）貸款卡（復(fù)印件）（9）進(jìn)口付匯報(bào)審