What are the reasons for individuals to collect foreign exchange?

Personal account is not allowed to collect money, and the bank will refund it. Also, don't explain what others owe you for the foreign exchange money received, because then the bank will refuse it. You can declare it below:

You can try to declare online. Please log in to the online banking public edition/professional edition, and click "foreign exchange management"-"declaration of international remittance income" in the first line above to see if there is any information to declare. If yes, please click "Declaration" to enter the interface for filling in declaration information. Payment shall be made within 1-2 working days after the foreign exchange declaration is made. If there is any abnormality, the staff will send a text message to the mobile phone number you filled in when you declare. According to the regulations of the State Administration of Foreign Exchange, the foreign exchange savings accounts of domestic residents shall not be used for enterprise settlement in principle. Remittance from overseas companies to domestic individuals

For export enterprises, it is only necessary to recover the foreign exchange payment, but for banks, there are compliance problems. We all know the "three principles of exhibition industry" of banks, that is, know customers, know business and do due diligence. When keeping accounts for export enterprises, banks should examine the business documents submitted by export enterprises, such as contracts, invoices, customs declarations, etc. Then my Lao Wang exported goods to Zhang San, and the contract was signed with Zhang San. Li Si gave me a loan, but I went to the bank to make a reservation with Zhang San's contract. Do you think the bank can make a reservation? Obviously, banks cannot be responsible for business compliance. So, since everyone knows it won't be accounted for, is it naive for you to ask for this contract to be accounted for?

The reasons for the inconsistency between the above contract subject and the payer are as follows:

1. If the customer account has no money to pay, it will be paid through the associated account.

2, the United States, the United Nations sanctions, resulting in some countries can not directly external payments, only through a third country to pay. If Iran pays through Dubai.

3. If the payment can't be recovered, the export enterprise will fill the hole through the offshore company.

4. Customers are middlemen, and customers earn commissions. After signing the contract with the customer, the exporter directly exports to the customer of the customer, and the customer of the customer directly pays the payment to the exporter, and the exporter pays the commission to the customer. Stone likes to eat lions, and stone room eats ten lions.

From the bank's point of view, there are three solutions (often used in practice):

1. Zhang San and Li Si signed an agency payment agreement, stipulating that Li Si would pay the payment for the customer Zhang San.

This practice is rare in practice, but some banks can do it. If an export enterprise wants to enter an account with the payment agreement, it can consult the bank first.

2. The export enterprise re-signed the contract with Li Si, which will be recorded in the new contract.

At present, most enterprises choose solutions that are inconsistent between customers and payers, which leads to the inability to enter accounts. The advantage of this method is that it is simple and rude, and it can achieve the purpose of bookkeeping most effectively. However, the disadvantage is that it is suspected of false contracts, because the newly signed contracts are only for bookkeeping, and serious cases may be identified as illegal arbitrage.

3. With the payer as the intermediary customer, the exporter signs a contract with the payer to directly transport the goods to the final customer according to the requirements of the intermediary.