当前，银行结售汇制度的实施，使得银行收付汇、结售汇成为国内外汇资金流动的主渠道。但是在对银行收付汇、结售汇非现场监管过程中，存在着许多因素，影响了非现场监管的效果。为此，适应当前外汇金融形势发展的需要，必须转变观念，强化监管，构筑适应新形势的银行收付汇、结售汇非现场监管体系。 At present, the implementation of the system of bank settlement and sale of foreign exchange makes the banks’ receipt and payment of foreign exchange and settlement and exchange of foreign exchange as the main channel for the flow of foreign exchange funds in China. However, there are many factors that affect the collection and payment of foreign exchanges and the foreign exchange settlement and sales of banks, which affects the effect of off-site supervision. Therefore, to meet the current needs of the development of the foreign exchange and financial situation, we must change our concept, strengthen supervision and establish a non-on-site supervision and control system for banks’ collection, payment and exchange of foreign exchange for the settlement of the new situation.