個人購匯監管加強 不得用於境外買房和證券投資

Chinese residents now need to fill an application form indicating the purpose of foreign exchange purchases.

如今我國居民需要填寫申請表寫明購買外匯的目的。

The application form includes 11 purposes residents can check, including travel and medical care.

申請表中提供了旅遊、醫療等11種購匯目的供居民勾選。

The form specifies that residents will not be approved to purchase foreign currency if they hope to use the money for overseas housing and insurance with investment returns.

表格還明確，居民購匯不得用於境外買房和投資性返還分紅類保險。

Residents who violate the rules will be put on a watch list by the currency regulator and will face cancellation of their right to buy foreign currencies for one to three year years, according to the State Administration of Foreign Exchange.

根據國家外匯管理局表示，違反規定的居民將被貨幣監管機構列入監管名單，並會被取消購買一至三年外匯的權利。

Before 2017, Chinese residents could easily buy foreign currency through official channels, including mobile banking transactions.

在2017年之前，中國居民可以通過官方渠道，如包括手機銀行交易輕鬆購買外匯。

The annual quota of $50,000 for foreign exchange purchases by individuals remains unchanged.

此外，每人每年五萬美元的購匯額度沒有變化。

China faces less capital flight pressure than a year ago, said Yao Yang, a professor of economics at Peking University.

北京大學經濟學教授姚洋表示，相比一年前，我國面臨的資本外逃的壓力有所減少。

Yao does not expect the government to impose short-term restrictions on individual foreign exchange purchases. "Restriction does not help stabilize market expectations, but may trigger more capital flight," he said.

姚洋並不期望政府對個人外匯購買行爲實行短期限制。他說道：“限制不利於穩定市場的預期，但卻可能引發更多的資本外逃。”