一周热词榜（12.31-1.6）

3. 购汇
purchase foreign currency

请看例句：

Chinese individuals intending to purchase foreign currency now have to file more detailed information in their applications.
如今我国打算购买外汇的个人需在申请书中提交更详细的信息。

新年伊始，个人5万美元的年度购汇额度(the annual quota of $50,000 for foreign exchange purchases by individuals)刷新。不过，和往年不同的是，今年个人购汇(purchase foreign currency/forex)需要填写一份内容详细的购汇申请书(application form)。新版购汇申请书除了基本信息外，还增加了预计用汇时间栏目和每种用途的详细相关信息。比如，因私旅游，要填写预计停留期限(length of stay)，是跟团游(package tour)还是自由行(independent travel)；境外留学(overseas study)，要填写学校名称、年学费金额和年生活费金额；境外就医(overseas medical treatment)，要填写停留期限和境外医院名称。

新版申请书上明确提示，境内个人办理购汇业务时，不得虚假申报购汇信息；不得提供不实的证明材料；不得出借本人便利化额度协助他人购汇(purchase forex on behalf of other people)；不得借用他人便利化额度实施分拆购汇；不得用于境外买房(buy property overseas)、证券投资(invest in securities)、购买人寿保险(life insurance)和投资性返还分红类保险(insurance with investment returns)等尚未开放的资本项目；不得参与洗钱(money laundering)、逃税、地下钱庄(underground bank)交易等违法违规活动。

根据申请书，如果违法违规套汇(currency arbitrage)，除了可能被列入"关注名单"(be put on a watch list)，当事人当年及以后两年不享有个人便利化购汇额度(foreign exchange quota)。此外，还将接受行政处罚(administrative penalty)，个人征信记录(personal credit records)也将受到影响。

[相关词汇]

付汇 foreign exchange payment

逃汇 evasion of foreign exchange control

汇率中间价 central parity rate

换汇潮 currency exchange boom

外汇储备 foreign exchange reserve

资本流入/外流 capital inflow/outflow