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“境外刷卡消费有1000元额度限制”是谣言 个人在海外“买买买”不受影响

2017-08-15 06:43:36   中国经济网

所谓1000元的额度,只是对银行上报信息的要求,而不是限制个人在海外消费额度

实施个人境外刷卡1000元也要上报这一措施,主要是为了打击个人外汇违法违规行为

近日,有传言称,在境外刷卡消费时有1000元额度限制,高于这一额度就刷不了卡。还有人担心,刷卡1000元以上信息就要上报。是不是今后境外刷卡消费不方便了?出国还是得多带现金?

实际上,当前个人在境外正常刷卡消费并未受影响,所谓“1000元都刷不出来”纯属谣言。当前,个人在境外刷卡消费没有额度限制。

一位银行工作人员表示,如果在境外遭遇刷不了卡的情况,可能有几方面的原因,一是刷卡的POS机具网络不畅,可以要求换一台POS机重新刷。二是若极少在境外消费,突然在境外刷卡,部分银行出于保护客户资金安全的考量,可能会怀疑是异常交易或者被盗刷了,这也有可能导致刷卡不成功。三是使用磁条卡时,要考虑是不是卡消磁了。该工作人员建议,境外旅游购物建议至少带两张不同的银行卡,并在出国前联系发卡行的客服,提前告知对方要去境外消费,并保持与银行卡关联的手机号码通信畅通。

所谓的“1000元额度”又是从何而来?这是一些人对外汇局相关政策的误读。6月2日,外汇局曾发布一份《国家外汇管理局关于金融机构报送银行卡境外交易信息的通知》。《通知》规定,自2017年9月1日起,境内发卡金融机构向外汇局报送境内银行卡在境外发生的全部提现和单笔等值1000元人民币以上的消费交易信息。

从《通知》可以看出,所谓1000元的额度,只是对银行上报信息的要求,而不是限制个人在海外消费额度。

“交易信息采集标准的高低,不影响个人实际使用银行卡进行交易的额度。”中信银行相关专家表示,此次通知内容主要针对金融机构对银行卡境外交易信息的采集,不涉及银行卡境外使用的外汇管理政策调整。

外汇局有关负责人也表示,上报信息的是银行而并非个人,不会增加个人用卡成本。

为何个人境外刷卡1000元的相关信息要上报?这主要是为了打击违法违规行为。作为个人出境使用最主要的支付工具,目前个人境外持卡交易已超1200亿美元。随着海外消费金额的逐年增长,个人外汇违法违规行为时有发生,不少个人通过刷卡购买境外投资性保险、境外购房,更有甚者通过刷卡进行虚假购买,兑换成现金非法转移资产。

这些违规行为看似是个体行为,但容易形成羊群效应,累积起来会引发风险。因此,外汇局不断加大个人外汇违规行为的查处力度,进一步提升金融交易透明度、统计数据质量等。

今年6月,相关管理部门对《金融机构大额交易和可疑交易报告管理办法》进行了修订,大额交易的报告门槛从20万元降到5万元,以提高反洗钱和反腐败的效率。修订后的《办法》已于7月1日起正式施行。

9月1日起,《通知》实施以后,接入银行卡外汇管理系统、报送银行卡境外交易信息,将成为今后境内金融机构开通本行银行卡境外交易业务的重要条件。外汇局有关负责人表示,开展银行卡境外交易信息采集,不涉及银行卡境外使用的外汇管理政策调整,外汇局将继续支持和保障个人持银行卡在境外经常项下合规、便利化用卡。该负责人强调,银行卡境外交易信息由发卡金融机构报送,个人无需另行申报,不增加个人用卡成本,外汇局将依法保护持卡人信息安全。(经济日报记者 陈果静)

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