境内资金出境一不注意就会踩坑？这6大路径您知道吗
（小烁发福利：120页的《亚洲经济前景及一体化进程（2022年度报告）》限时限量免费领取！领取方式见下文！） short-term visa or a long-term pass, as long as you complete the entire vaccination process, there are almost no mandatory restrictions on entry to Singapore. It is for this reason that more people are considering moving to Sinapore and coming to consult.
个人购汇是指国家对境内个人购汇实行年度总额管理，允许个人每年度可兑换5万美元等值的外汇。在现行法律制度下，个人购汇主要用于经常项目和个别资本项目。因私旅游、境外留学、公务及商务出国、探亲、境外就医、货物贸易、购买非投资类保险以及咨询服务等属于经常项目。 less than 6 months
移民财产转移是指从中国内地移居外国，或者赴香港、澳门特别行政区及台湾地区定居的自然人（以下简称“移民”），将其取得移民身份前在中国境内拥有的合法财产变现，通过指定银行购汇并汇出境外的行为。继承财产转移是指外国公民或香港、澳门特别行政区及台湾地区居民将依法在中国境内继承的遗产变现，通过指定银行购汇并汇出境外的行为。个人财产对外转移的要点及流程见下图：
境内卡境外提现是指在我国法律规定的提现额度内，可在境外直接提现，实现资金出境。境内卡境外提现具有额度限制，包括年提现额度和日提现额度。如下图：
There is no urgent need for Singapore to reduce quotas for permanent residence and citizenship application approvals
若超过年提现额度的，本年及次年将被暂停持境内银行卡在境外提取现金。此外，银行对境内银行卡在境外金融机构柜台和自动取款机等场所和设备发生的提现交易会自动进行交易信息采集。该举措在于帮助外管局完善银行卡境外交易统计，加强违规交易的监管，并不涉及银行卡境外使用的外汇管理政策调整，个人持银行卡仍可在境外经常项下合规、便利化用卡。
境内卡境外提现的优点是方便快捷且无需办理审批手续或登记，缺点是有额度限制，无法进行大额交易，且提现行为会受到一定程度的监管。
境外特殊目的公司返程投资根据《国家外汇管理局关于境内居民通过特殊目的公司境外投融资及返程投资外汇管理有关问题的通知》（汇发[2014]37号）（以下简称“37号文”），目前中国境内居民个人境外直接投资不予受理和批准，但可以利用其控制的境外特殊目的公司（Special Purpose Vehicle，简称“SPV”）开展投融资。在37号文项下，境内居民个人可通过SPV开展投资，基本规定如下： increase its semiconductor production capacity
needs foreign talent with strong skills to drive industry development, and stimulate and drive economic recovery.
根据2007年证监会发布的《合格境内机构投资者境外证券投资管理试行办法》和2013年外管局发布的《合格境内机构投资者境外证券投资外汇管理规定》，QDII的主体拓展至商业银行、证券公司、基金管理公司、保险机构、信托公司。因此，目前个人投资者在QDII路径下，可以向不同的合格境内机构投资者投资不同的境外产品，如下图：
apply for PR
PR are not up to standard
wait for deadlines
wait at least half a year for a possible salary increase or promotion 
因此个人资金出境，可以通过以上合法路径实现，避免分拆购汇、地下钱庄、刷卡套现、非法买卖外汇等方式，否则可能会被列入“关注名单”，两年内不能通过电子银行办理结售汇业务，或面临外管局高昂的罚款，严重的甚至会被追究刑事责任。
Elite Stage咨询机构拥有十余年投资经验，和专业的国际团队，丰富的行业经验和广泛的社会商业资源，为本地及海外客户提供一站式离岸投资服务，例如跨境架构、外汇备案、会计记账、税务申报、本地银行、商务中心、家族办公室等。如果您个人或企业相关的打算，欢迎联系我们！
如果您对出境感兴趣的话，我们准备了一份《亚洲经济前景及一体化进程2022年度报告》电子文档，让您对亚洲各个国家的金融经济都有更加全面和深刻的理解。因为篇幅有限，如您有需要请添加下方我们顾问微信（微信号：Elitestage），免费给您发送完整版哦。
within the last 3 months, with a width of 35mm and a height of 45mm;- Shot against a matte or semi-matte pure white background;
– 400 x 514 pixels;
– Full face photo without headgear, if the applicant is required to wear headgear according to custom, the headgear must not cover the facial features;
– The facial image from the top of the head to the chin must be between 25mm and 35mm;
– JPEG image format
2. ID card (if any)
3. Personal valid passport personal information and official remarks page
4. Birth certificate or household registration
5. Proof of name change (if any)
6. The highest degree of education (transcripts, qualification certificates, membership qualifications, etc. can also be provided)
7. Parents’ valid passport personal information and official remarks page
4. Birth certificate or household registration
5. ID card (if any)
6. Proof of name change (if any)
7. The highest degree of education (transcripts, qualification certificates, membership qualifications, etc. can also be provided)
8. Reference letters from previous employers stating the nature, duration and base salary (if any) of the employment
9. Pay slips for the past six months
10. A letter from the current employer stating the date of employment, monthly salary for the past six months, including overtime and allowances, which can be prepared by HR. This letter should be issued within one month before the application
11. IRAS Consent Form, expressing consent for ICA to obtain and verify financial information related thereto
12. For self-employed persons, a valid business registration certificate showing the name of the partner is required
13. For self-employed persons, work-related occupational licenses (e.g. hawker license, business license, property agent license)
3. Custody documents for children from previous marriages (if any)
4. Spouse’s highest education certificate (including college degree), transcript, vocational qualification certificate, etc.
If spouses are applying together:
1. Spouse’s a valid travel document and valid entry pass, passport (data page)
2. Spouse’s birth certificate
3. Rename file (if any)
4. Spouse’s ID card (if applicable)
5. Certificate of previous marriage and divorce of spouse and custody documents of children, or death certificate (if any)
If the children are applying together:
1. Child’s passport information page
2. The child’s birth certificate showing the names of the child and parents
3. Child adoption documents (if applicable)
4. Child name change certificate (if applicable)
This requires the help of professionals/institutions to help you prepare a lot of supplementary materials to polish your application file!
If you are interested in Singapore immigration, we have prepared an electronic document “Work-life Experiences, Policies, and Challenges in Singapore” to let you know more about the various aspects of lives, including marital quality, job satisfaction, and challenges in Singapore.
Because of limited space, please add our consultant WeChat (Wechat ID: Elitestage) below, and we will send you the full version for free.
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in Singapore