摩根大通银行、浙江稠州商业银行获批资格！FT账户密集扩容

21世纪经济报道01-21

21世纪经济报道记者余纪昕　　岁末年初之际，上海自由贸易账户（FT账户）相关动作频频，政策与市场层面近日均迎来了重要进展。　　在机构准入方面，上海自贸区分账核算单元的扩容引起业内关注。1月8日，摩根大通银行（中国）有限公司上海分行获批分账核算单元（FT）资格，成为时隔5年多来上海首家新增的分账核算单元金融机构。有分析人士指出，这也是近年来首次有银行获得上海FT资质，或为外资参与中国跨境...

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FT account intensive expansion","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"161121":1.5,"FT":1.5,"09668":1.5,"JPM":1.5},"content_text":"21世纪经济报道记者 余纪昕\n　　岁末年初之际，上海自由贸易账户（FT账户）相关动作频频，政策与市场层面近日均迎来了重要进展。\n　　在机构准入方面，上海自贸区分账核算单元的扩容引起业内关注。1月8日，摩根大通银行（中国）有限公司上海分行获批分账核算单元（FT）资格，成为时隔5年多来上海首家新增的分账核算单元金融机构。有分析人士指出，这也是近年来首次有银行获得上海FT资质，或为外资参与中国跨境金融业务的又一窗口机遇。\n　　紧随其后，1月20日，中国人民银行上海总部再次更新金融机构分账核算单元名单，浙江稠州商业银行股份有限公司获批FT资格，进一步印证了数年未更新的上海FT体系又新增了银行成员，截至最新，上海地区共有62家金融机构分账核算单元，其中49家为银行。本次更新也涉及六家银行的权限升格：\n　　华夏银行上海分行 → 华夏银行\n　　平安银行上海自贸试验区分行 → 平安银行股份有限公司\n　　恒丰银行股份有限公司上海分行 → 恒丰银行股份有限公司\n　　广发银行股份有限公司上海分行 → 广发银行股份有限公司\n　　国家开发银行上海市分行 → 国家开发银行\n　　浙商银行股份有限公司上海分行 → 浙商银行股份有限公司\n\n　　据了解，FT账户指的是，为客户在自贸区分账核算单元开立的、以“FT”为标识的本外币账户。区别于普通银行账户，它支持跨境资金自由流动，具备本外币合一、适用离岸汇率等特点，主要服务于自贸区内企业和境外机构的贸易投资活动。其优势亮点在于：一个账户可管理多币种，与境外及NRA、OSA账户划转便利，汇兑灵活且成本较低，并可开立多个账户满足不同业务需求，对于在自贸区开展业务或有跨境资金往来需求的企业而言，FT账户如同一把“金钥匙”，是优化跨境资金管理、降低财务成本的重要工具。\n　　记者注意到，其政策端也迎来重大升级利好。12月5日，由中国人民银行上海总部印发的《上海自由贸易试验区自由贸易账户功能升级实施办法（试行）》（以下简称《实施办法》）正式实施。\n　　其中，第七条明确，经办银行可凭试点企业收付款指令直接办理升级账户与境外账户、离岸账户、境外机构境内账户、升级账户、多功能自由贸易账户以及非居民开立的自由贸易账户之间的资金划转，即“跨一线”。试点企业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，也无须到外汇管理部门办理前置业务登记、备案或开立专户。\n　　第八条则对“跨二线”资金划转作出规定：升级账户与同名非自由贸易账户之间不得划转外币，人民币资金划转需纳入宏观审慎额度管理，并明确了额度计算方式及调节机制。\n　　在上述《实施办法》落地之初，银行机构端随机积极响应。\n　　工商银行、建设银行等国有大行，以及花旗、汇丰等外资银行在政策实施首日迅速行动，积极为客户办理功能升级的自由贸易账户及相关跨境金融业务。\n　　汇丰银行（中国）有限公司作为首批试点外资银行，已为上海自贸区内一家参与试点的跨国企业成功开立功能升级自由贸易账户，成为首批完成此类业务的外资银行之一。汇丰中国环球支付方案部董事总经理曾愫表示，此次政策不仅是对账户功能的“加法”，更将为跨境贸易投资自由化便利化带来“乘数效应”，有助于提高企业资本项目资金调拨效率，推动境内外资金围绕实体经济开展高效结算与融通。\n　　花旗银行（中国）有限公司也作为首批试点银行，成功为四家企业客户开立功能升级自由贸易账户，体现了其持续深耕上海自贸区金融创新、致力于为企业提供更灵活高效跨境金融解决方案的决心。\n　　总体来看，此次新规实施为符合条件的企业带来了多方面的金融便利，使跨一线收付更顺畅、跨二线划转更规范、融资与资金使用更灵活，是上海自贸区深化金融改革开放的重要举措。\n　　值得持续关注的是，在专业人士看来，包括上海自贸区在内，各地分账核算单元金融机构名单未来预计还将进一步扩大。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：秦艺","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.36.2","shortVersion":"4.36.2","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2605124048","isCrawlerRequest":true}