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Q：
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What does foreign currency loan refer to?
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A：
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It refers to loans denominated in foreign currencies and issued by domestic financial institutions within the approved scope of business, to non-financial domestic entities.
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Q：
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If the lender is a bank, where should the borrower open an account for foreign exchange loans?
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A：
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If the lender is a bank, the borrower should open a foreign exchange loan account at a bank within the jurisdiction of the provincial foreign exchange bureau where the borrower is registered or at the lender's bank.
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Q：
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Foreign exchange loans with a background of goods or service exports that meet certain conditions can be directly transferred to the borrower's current account foreign exchange settlement account, but cannot be issued in the form of a credit account?
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A：
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It is self-repaying, with the foreign exchange earnings from goods or services exports serving as the primary source of repayment;
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It can be directly matched with each individual export of goods or services.
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Q：
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What does the background of goods or services trade export refer to?
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A：
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It refers to the transactions where Chinese residents export goods or services to non-residents. For trade conducted between institutions within the special customs supervision areas and those outside these areas, as well as among institutions within the special customs supervision areas, where the settlement is in foreign currencies, when the borrower is the seller based on such trade, it is regarded as having a background of goods export.
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Q：
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What regulations should the income and expenditure scope of the foreign exchange loan account comply with?
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A：
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The income scope includes: principal of domestic and foreign currency loans and the interest generated therefrom; funds transferred into other domestic and foreign currency loan accounts of the same borrower; repayment funds (including principal and interest) purchased or transferred in. The time when repayment funds enter the domestic and foreign currency loan account shall not exceed the loan maturity date or 5 working days before the actual repayment date.
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The expenditure scope includes: repayment of principal and interest of domestic and foreign currency loans; foreign exchange settlement in accordance with regulations for domestic and foreign currency loans; transfer to other domestic and foreign currency loan special accounts of the same borrower; foreign exchange expenditures in accordance with regulations for current account and capital account.
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日本語
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