{"id":"AP6638980de4b090aa740c7215","oid":"AP6638980de4b090aa740c7215","title":"工行横琴分行落地多功能自由贸易账户业务","comment":"","updated":"2024-05-06T10:15:46.413+0000","properties":{"picNames":"图片1,图片2","fulltext_highLight":null,"subscriptionEnterdescribe":null,"subscriptionColumnId":null,"showOthers":"true","video_userId":null,"text":null,"audio_userId":null,"keyword":[{"score":1,"keyword":"多功能自由贸易账户"},{"score":0.95,"keyword":"横琴粤澳深度合作区"},{"score":0.9,"keyword":"跨境资金流动"},{"score":0.85,"keyword":"工行横琴分行"},{"score":0.8,"keyword":"澳门经济适度多元发展"},{"score":0.75,"keyword":"金融要素便捷高效流动"},{"score":0.7,"keyword":"跨境融资"},{"score":0.65,"keyword":"全球账户服务体系"},{"score":0.6,"keyword":"本外币一体化结算"},{"score":0.55,"keyword":"民生金融互联互通"}],"smallTitle":null,"mapping":null,"subscriptionEnterLittleImage":null,"subscriptionVideoId":null,"wailianUrl":null,"fulltext_highLight_title":null,"sign_up":null,"searchType":null,"searchLocation":null,"subscriptionBackgroundUrl":null,"wailiangao":"0","modelType":"1","PCstory":"true","subscriptionType":null,"materials":["PO65efc5aed5def7ed9f9a1110"],"manuscriptClassification":null,"developType":null,"isArtwork":"1","jianbaoTime":null,"subscriptionId":null,"subscriptionEnterName":null,"platForm":"新媒体","isSmartCheck":"true","showListPublishTime":"true","mapping_userId":null,"signature":"叶志福","canLike":"true","newFounderStory":null,"version_order":null,"order_number":null,"text_userId":null,"showPosterCover":"0","photo_userId":null,"video":null,"allowShare":"1","subscriptionArticleId":null,"signature_userId":"yezhifu","audio":null,"editor_userId":"guchunting","editor":"古春婷","photo":null,"reviewEditor":"帅云","link_title":null,"team":"图片由受访单位提供","manuscriptClassName":"无","reviewEditor_userId":"shuaiyun","mainColumn":"5dd921ece4b0bf88dd8c1170","keywordTitle":"工行横琴分行落地多功能自由贸易账户业务","sharePosterCover":"0","version_name":null,"primeMoverIndustry":null,"repthe":"RT112A09EBA3A64BEEA050F35155A26EF620240306112219151","simliarStoriesIds":[],"changeBlock":false,"orderTag":"1000"},"content":"

2024年5月6日，中国工商银行广东分行经人民银行批准，在横琴分行正式上线多功能自由贸易账户。工行横琴分行作为落地行为多家企业及生活在合作区的澳门居民成功办理开户、结算、汇兑等多品种业务，进一步强化琴澳金融市场联动，便利跨境资金高效流动，为支持横琴粤澳深度合作区发展作出良好示范。

多功能自由贸易账户是在现有自由贸易账户基础上构建的账户体系，更适应合作区开发建设的需要，为各类金融要素便捷高效流动提供保障，对探索实现高水平贸易投资自由化便利化，助力澳门经济适度多元发展，以及支持合作区发展有重要意义。

5月6日业务上线当天，工行横琴分行为珠海纳金科技有限公司、珠海横琴恒基润业科技控股集团有限公司、珠海一微半导体股份有限公司、珠海横琴卡斯户外文化产业发展有限公司及TCL集团境外子公司等境内外优质企业办理多功能自由贸易账户业务，并与工银澳门内外联动，为澳门本地企业博联工程（澳门）有限公司开立EFN账户并办理结算及汇兑业务。

工行横琴分行相关负责人表示，横琴是内地澳资企业最集中的区域，多功能自由贸易账户遵循“一线放开、二线按照跨境管理、同名账户跨二线有限渗透”原则，聚焦服务实体经济，通过更加开放的跨境资金流动管理政策，支持澳资企业在合作区的经营发展。对于合作区内企业而言，多功能自由贸易账户便利化体现在开户、存款、汇款、币种兑换、融资等多个方面。在“跨一线”划转方面，合作区内企业使用多功能自由贸易账户与境外账户、OSA账户、NRA账户之间，以及多功能自由贸易账户之间“跨一线”资金划转可依法凭收付指令直接办理；与境外账户之间开展证券投资以外的资本项下业务，不受投注差外债、全口径跨境融资、境外放款相关额度和审批限制，也无需到外汇管理部门开展前置业务登记、备案或开立专户。在“跨二线”划转方面，按照跨境交易管理，同时兼顾多功能自由贸易账户的便利性，允许同名账户“跨二线”在一定额度内自由汇划。对于在合作区内生活工作的港澳籍员工，多功能自由贸易账户可为其提供薪酬汇划、就医、旅游等工作生活方面资金结算自由便利，有效推动两地民生金融互联互通。

珠海一微半导体股份有限公司是以一家以机器人技术及大规模高集成度数模混合芯片设计为主的专精特新小巨人企业，业务遍及全球，致力于成为全球移动机器人领域核心芯片、核心算法以及系统解决方案的主流技术平台。该公司负责人表示：“公司对外合作中有不同币种结算需求，以前对外结算都要逐个开立账户，现在一个多功能自由贸易账户就能集中满足资金结算管理的需求，以及与境外资金汇划有较大便利性，极大地提升了企业结算和资金调拨的效率，降低了我们的管理成本。”       

记者从工行横琴分行了解到，作为多功能自由贸易账户业务试点银行之一，为做好业务上线，该行在系统、制度、人员做了充足的准备。依托该业务，工行横琴分行进一步丰富了全球账户服务体系，将积极做好政策推广和应用，为“引进来”“走出去”企业提供全球跨境资金归集、本外币一体化结算、跨境融资等全链条、全生命周期金融服务，让更多符合条件的经营主体分享多功能自由贸易账户改革红利。

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