个人购汇监管加强 不得用于境外买房和证券投资

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　　如今我国居民需要填写申请表写明购买外汇的目的。

　　The application form includes 11 purposes residents can check, including travel and medical care.

　　申请表中提供了旅游、医疗等11种购汇目的供居民勾选。

　　The form specifies¹ that residents will not be approved to purchase foreign currency if they hope to use the money for overseas housing and insurance with investment returns.

　　表格还明确，居民购汇不得用于境外买房和投资性返还分红类保险。

　　个人购汇监管加强 不得用于境外买房和证券投资

　　Residents who violate the rules will be put on a watch list by the currency regulator and will face cancellation² of their right to buy foreign currencies for one to three year years, according to the State Administration of Foreign Exchange.

　　根据国家外汇管理局表示，违反规定的居民将被货币监管机构列入监管名单，并会被取消购买一至三年外汇的权利。

　　Before 2017, Chinese residents could easily buy foreign currency through official channels, including mobile banking³ transactions.

　　在2017年之前，中国居民可以通过官方渠道，如包括手机银行交易轻松购买外汇。

　　The annual quota⁴ of $50,000 for foreign exchange purchases by individuals remains⁵ unchanged.

　　此外，每人每年五万美元的购汇额度没有变化。

　　China faces less capital flight pressure than a year ago, said Yao Yang, a professor of economics at Peking University.

　　北京大学经济学教授姚洋表示，相比一年前，我国面临的资本外逃的压力有所减少。

　　Yao does not expect the government to impose short-term restrictions⁷ on individual foreign exchange purchases. "Restriction⁶ does not help stabilize⁸ market expectations, but may trigger more capital flight," he said.

　　姚洋并不期望政府对个人外汇购买行为实行短期限制。他说道：“限制不利于稳定市场的预期，但却可能引发更多的资本外逃。”

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