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Risk Alerts for Individual Foreign Exchange Transactions

A. Avoid illegal foreign exchange transactions

  1. Individual foreign exchange transactions must be done in banks through their transaction systems and illegal foreign exchange transactions are prohibited.
  2. Annual quota for individual foreign exchange purchase and sale is not transferable.
  3. The daily aggregate of foreign exchange cash deposits by individuals shall not exceed an amount equivalent to USD 10,000; for any foreign exchange trading exceeding the limit, please refer to bank clerks.
  4. The daily aggregate of foreign exchange cash withdrawals by individuals shall not exceed an amount equivalent to USD 10,000; for any foreign exchange trading exceeding the limit, please refer to bank clerks.
  5. The annual aggregate of foreign exchange purchase and sale transactions by individuals shall not exceed an amount equivalent to USD 50,000 respectively; for any foreign exchange trading exceeding the limit, please refer to bank clerks. Any violation of Measures for the Administration of Individual Foreign Exchange shall be penalized by the State Administration of Foreign Exchange according to Regulations on Foreign Exchange Control of the People’s Republic of China and other relevant regulations. Illegal foreign exchange trading exceeding USD 200,000 or its equivalent shall constitute a crime and be investigated for criminal responsibility in accordance with the law.

B. Disassociate from illegal financial business

When making investment with an institution in the People’s Republic of China, individuals shall carefully examine whether the institution has a permit for financial and futures business.

  1. Unless approved by China Banking Regulatory Commission, no entity or individual may provide commercial banking personal wealth management services within the People’s Republic of China, including financial analysis, financial planning, investment advisory service, asset management, etc.
  2. Unless approved by relevant state authorities, no entity or individual may engage in the securities, futures or insurance business.
  3. Domestic institutions and individuals engaging in direct foreign investment and/or the issuance or trading of overseas securities or derivatives shall complete the registration as required by the regulations of the State Administration of Foreign Exchange.
  4. Domestic institutions and individuals shall not engage in illegal overseas futures trading or foreign exchange margin trading. The rights and interests of both parties involved in such trading shall not be protected by law.

Any domestic institution or individual organizing or participating in the above -mentioned illegal financial activities will be penalized under the laws and regulations of the People’s Republic of China.