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  上海跨境金融服务发展迎来“政策大礼包”。

  4月21日,中国人民银行、金融监管总局、国家外汇局、上海市人民政府联合印发《上海国际金融中心进一步提升跨境金融服务便利化行动方案》(以下简称《行动方案》)。

  这是央行研究局党支部在去年6月18日发表的《增强上海国际金融中心的竞争力和影响力加快建设金融强国》中提议的“响亮”落地。

  文章提出,“下一步,中国人民银行将以服务实体经济发展为出发点,以国际化和金融基础设施为重点,统筹开放与安全,加大力度推动上海建设‘强大的国际金融中心’”。其中的第一条措施就是,“持续加大便利化政策和服务供给,研究出台上海国际金融中心进一步提升跨境金融服务便利化行动方案”。

  《行动方案》在跨境结算、汇率避险、融资服务、保险保障、综合服务等五大方面提出了多条便利性、创新型举措。记者梳理发现,其中提到的“试点”措施就有八条之多,包括支持试点银行在沪分行按新规定开展外汇业务,试点银行外汇业务尽职免责申述评议机制,支持在沪数字人民币运营试点银行积极参与多边央行数字货币桥项目,在金融监管总局认可的机构开展银团贷款份额跨境转让试点,试点通过再贴现窗口开展贸易再融资业务,开展碳足迹认证试点,支持合格境内有限合伙人(QDLP)试点企业在符合规定前提下认购境内短期现金管理产品,支持QDLP试点企业完成境内资金募集、基金设立按照境外主基金需求分批汇兑出境。

  聚焦跨境结算,提升全球资金管理效率

  在提高跨境结算效率,便利企业全球资金管理方面,《行动方案》从外汇业务、企业资金管理体系、自由贸易帐户、数字化服务,以及人民币跨境支付系统(CIPS)入手,为企业交易结算、资金管理扫除障碍。

  具体来看,优化外汇业务管理模式和展业流程。支持银行落实外汇展业管理办法,实施外汇业务流程优化和系统再造,对企业进行外汇合规风险等级分级并提供差异化、便利化金融服务。支持中国银行、中信银行、中国民生银行、花旗银行(中国)有限公司等试点银行在沪分行按新规定开展业务,支持更多在沪银行参与。建立试点银行外汇业务尽职免责申述评议机制,支持银行就涉嫌违规行为进行申述,依托外汇市场自律机制开展评议,合理判定银行“尽职尽责”情况,提升跨境金融服务质效。

  同时,拓展自由贸易账户功能及应用场景。支持银行将履行“三反”义务获取的信息用于跨境业务的真实性审核,实现自由贸易账户与境外(跨一线)无延迟收付,对经认定的优质企业按照展业原则办理与境内普通账户(跨二线)人民币资金结算。支持银行基于境外机构自由贸易账户开发存款产品,允许非居民外币存款利率参考国际惯例进行市场化定价。

  此外,将人民币国际化融入其中,提升人民币跨境支付系统(CIPS)功能和全球网络覆盖。《行动方案》提出,跨境清算公司增强与金融机构协同联动,共同提升对“走出去”企业的服务水平。推动更多银行加入CIPS,持续扩大CIPS网络覆盖范围。加强CIPS建设,完善系统功能,研究推动区块链技术应用,为人民币计价的全球贸易、航运及投融资提供安全高效的结算清算服务。

  优化汇率避险服务,提高外汇风险管理与应对能力

  在目前的国际金融局势下,对于跨境金融机构和实体企业来说,外汇避险是一道必答题。

  《行动方案》提出,开发多样化的汇率避险产品和服务。具体来看,支持外汇交易中心为自贸试验区人民币外汇交易提供交易设施服务,完善共建“一带一路”国家货币外汇交易服务。

  此外,鼓励银行积极拓展汇率避险“首办户”企业,推动企业增强汇率避险意识,降低企业汇率避险成本。支持银行加大汇率避险产品开发力度,丰富人民币对外汇普通美式期权、欧式期权、亚式期权及其组合产品,不断增加境内市场人民币外汇衍生产品种类。支持银行网点转型升级,鼓励有条件的银行结合区域和功能定位设立涉外业务特色网点,组建外汇专业服务团队,提供全品类涉外产品、服务及兑换币种等。

  值得注意的是,《行动方案》中表示,加强融资担保机构和银行业务联动,上海市融资担保中心等市区政府融资担保机构和银行联合开发汇率避险专项担保产品,由财政提供担保费补贴,降低企业外汇风险管理成本。

  同时,促进人民币跨境使用也是应对外汇风险的一大措施。《行动方案》鼓励银行构建以风险评估为导向的主体分类管理模式,采用多种事中事后核查方式。加强“本币优先”理念宣导和跨境人民币政策宣传,建立上海市重点领域国有企业人民币跨境使用工作评价机制,鼓励“走出去”中央企业和国有企业优先选择使用人民币进行对外支付结算,并带动产业链供应链创新链各类企业使用人民币。

  强化投融资、保险服务,打通企业资金链路

  在企业跨境投融资方面,《行动方案》提出,在依法合规的前提下,在金融监管总局认可的机构开展银团贷款份额跨境转让试点,优化外债登记管理和跨境担保流程,更好满足境内企业“走出去”过程中存在的银团贷款需求。条件成熟时,支持有意愿、有条件的银行在沪设立跨境银团贷款中心。

  此外,试点通过再贴现窗口开展贸易再融资业务,拓展境内外双向融资渠道,运用区块链技术规范发展供应链金融,便利融资租赁公司等资金跨境融通。

  在资金跨境融通方面,探索支持金融租赁公司开展母子公司外债额度共享业务。便利融资租赁公司(含金融租赁公司)在境内收取的外币租金流转使用,允许用于归还外币债务、支付境外租金、向境外支付租赁物货款等符合规定的用途。尤其指出,支持金融机构海外分支机构积极为汽车集团境外销售提供融资支持。

  在保险保障方面,《行动方案》强调,加大对出口企业的保险支持力度,尤其是国产商用飞机、新能源汽车、大型成套设备等重点出口企业;提升出口信用保险保单服务能级,为符合条件的中小微企业主动提供“全线上、免抵押、低成本”便捷金融服务,为跨境电商、服务贸易、海关高级认证企业等提供批量主动授信;此外,提供高质量再保险服务,支持在临港新片区设立专营再保险业务的保险公司、再保险公司、保险经纪公司法人机构或分支机构,稳步推进跨境再保险、境内再保险业务线上交易。

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