1. It should be noted that when filling in the purpose of purchasing foreign exchange, you need to fill in the "estimated time of using foreign exchange" and fill in the expected date of using foreign exchange funds. Prior to this, individuals went to the bank to purchase foreign exchange, and there was no need to explain when they planned to use the exchanged foreign exchange. At the same time, when filling in the purpose of purchasing foreign exchange, only one item can be selected, and the individual should check the purpose of purchasing foreign exchange according to the actual purpose, and fill in all the details involved in the checked items completely.
2. Individual purchases of foreign exchange are generally used for tourism, training, medical care, visiting relatives, consumption and other purposes, but the funds purchased for foreign exchange cannot be used for overseas capital projects such as house purchase, securities investment, life insurance and investment insurance. Please read the Application for Individual Purchase of Foreign Exchange carefully before purchasing foreign exchange, and fill in the information such as the use of funds according to the actual situation.
3. The purchase of foreign exchange can be used for studying abroad at one's own expense, private travel, official and business travel abroad, financial and insurance services, exclusive rights use fees and franchise fees, consulting services, employee remuneration and family support, transportation, trade in goods, investment income, capital projects, investment capital, other direct investments, investment in overseas securities, domestic foreign exchange loans, etc. Please fill in the investment type carefully, or write down some consumption types at will.
1. At present, our country encourages individuals to freely exchange foreign exchange. You can go to the bank to buy foreign exchange directly with your personal certificate. Some banks need to make an appointment in advance without any complicated procedures. According to the state's latest individual foreign exchange purchase policy, the annual foreign exchange purchase quota of individuals has risen to 50,000 US dollars.
2. Domestic individuals can purchase foreign exchange through China Merchants Bank through counters, online banking and mobile banking within the quota. If you need to withdraw cash, please contact the handling outlets to verify whether there is cash withdrawal business in this currency before purchasing; If you need to handle overseas remittance, please know the relevant regulations of overseas remittance in advance.
3. Individuals who use foreign exchange for private travel and study abroad can apply for it for justified reasons. If you want to buy and sell foreign exchange in China, you can not only apply for foreign exchange trading in the bank, but also apply for opening an account on the foreign exchange platform.
4. Studying abroad at one's own expense: the foreign exchange expenditure of individuals engaged in studying abroad at their own expense. Others under tourism: foreign exchange expenses of individuals engaged in cross-border activities such as visiting relatives, seeking medical treatment and pilgrimage, and rental expenses of residents renting domestic buildings owned by non-residents. Financial insurance services: financial services refer to financial intermediary services and auxiliary services, including financial intermediary fees, handling fees, guarantee fees, commitment fees, consulting fees and other foreign exchange expenditures; Insurance services include life insurance, property insurance, credit insurance, liability insurance and other direct insurance and reinsurance premiums, as well as foreign exchange expenses of insurance auxiliary services such as services provided by insurance brokers, agents and assessment agencies. Royalties, royalties: including licensing fees, trademark royalties, royalties for research and development achievements, licensing fees for copying or distributing computer software, audio-visual and related products, and foreign exchange expenditures for other intellectual property royalties.