小白理财
Operating a WFOE,\nwholly foreign-owned enterprise, or any other business in China,\nisn’t as simple as only securing a business license; you will\nalso need to open a bank account to facilitate your operations. But\nopening a bank account in China is not as simple as it used to be,\nespecially with the tightening regulations.
在中国经营外商独资企业、外商独资企业或任何其他企业，不仅仅是获得营业执照那么简单，你还需要开一个银行账户来方便你的经营。但是在中国开设银行账户已经不像以前那么简单了，尤其是在监管越来越严格的情况下。
Stricter\nRegulations for the Banking System in China
Why Are\nRegulations Stricter?
为什么监管更加严格？
In 2016-17, there\nwas a spike in the number of fraudulent corporate accounts that made\nbanks in China tighten their internal pliance control. Vulnerable\nmembers of society, such as students and elderly, were targeted in a\nscam to use their personal information to open illegitimate corporate\naccounts.
2016年至2017年，欺诈性企业账户数量激增，导致中国各银行加强了内部合规控制。社会中的弱势群体，如学生和老年人，成为骗局的目标，利用他们的个人信息开设非法企业账户。
The Ministry of\nPublic Security (MPS) together with the People’s Bank\nof China (PBOC), froze 555,000 bank accounts related to the fraud in\n2019. And in an effort to improve security, in 2020, the PBOC imposed\nnew regulations on all Chinese banks to bat money laundering and\nother illegal activities.
2019年，公安部联合中国人民银行冻结了55.5万个与欺诈有关的银行账户。为了提高安全性，2020年，中国人民银行对所有中国银行实施了新的规定，以打击洗钱和其他非法活动。
Updated\nRegulations for Opening Bank Accounts
开立银行帐户的最新规定
Since April 2020,\nThe People’s Bank of China (PBOC) has made it mandatory for all\nbanks in China to follow a high level of scrutiny during the KYC\n(Know Your Customer) process. This scrutiny not only applies to\nforeign-invested enterprises (FIE) but also domestic panies.
自2020年4月以来，中国人民银行(PBOC)强制要求中国所有银行在“了解你的客户”(KYC)过程中接受高水平的审查。这种审查不仅适用于外商投资企业(FIE)\n，也适用于国内企业。
Between the fraud\nand travel restrictions due to the COVID-19 pandemic, it’s\nno surprise that many new business owners are finding it difficult to\nopen their bank accounts in China.
由于2019冠状病毒疾病造成的欺诈和旅行限制，许多新企业主发现很难在中国开设银行账户也就不足为奇了。
What Do These New\nRegulations Mean?
这些新规定意味着什么？
As directed by PBOC,\nbanks are now required to monitor financial transactions and daily\nbusiness activities. Banks also have the authority to investigate and\nconduct any of the following:
按照中国人民银行的指示，银行现在必须监控金融交易和日常业务活动。银行亦有权调查及进行以下任何一项:
Your other bank\n\taccounts;
你的其他银行账户;
Run tests for\n\tdormant accounts;
对休眠账户进行测试;
Trace capital\n\ttransitions;
追踪资本转移;
Examine the\n\ttime of transactions;
检查交易时间;
Keep a close\n\teye on suspicious or abnormal activities.
If your account has\nbeen flagged for suspicious behaviour, the bank may take control\nmeasures such as:
如果你的帐户有可疑行为，银行可能会采取控制措施，例如:
Obstruct all\n\tpayouts
阻止所有支出
Restrict online\n\tbanking transactions
限制网上银行交易
What Is\nConsidered Suspicious Bank Activity?
什么是可疑的银行活动？
If\nyou plan\non starting a pany or\nhave just started out in China, you’ll need to understand what\nthe bank considers suspicious activity. Here are some scenarios that\nyou’ll want to avoid:
如果你打算开办一家公司或者刚刚在中国起步，你需要了解银行认为可疑的行为是什么。以下是一些你需要避免的场景:
The primary\n\tbank account holder has multiple enterprises, multiple accounts as\n\twell as numerous pany licenses;
主要银行账户持有者拥有多家企业、多个账户以及多个公司执照;
The business\n\taddress is under domicile declaration (which means that your\n\tregistered pany’s office address is same as residential\n\taddress)
营业地址以住址声明(即注册公司的办事处地址与住址相同)
The legal\n\trepresentative who opened the pany bank account for the first\n\ttime is too young (25 or younger) or too old (65+);
第一次开立公司银行账户的法定代表人年龄太小(25岁以下)或者太老(65岁以上)\n;
The pany\n\taddress is of a remote rural area;
公司地址是偏远的农村地区;
The country\n\tcode of the mobile phone number does not match with the pany\n\taddress;
移动电话号码的国家代码与公司地址不符;
The pany\n\tname appears illegitimate.
公司名称看起来不合法。
How To Open A\nBank Account in China?
如何在中国开立银行账户？
The Documents\nRequired
所需文件
You will need to\nprovide the following documents to the bank along with your\napplication:
你需要在递交申请时向银行提供以下文件:
1.Provide the lease\ncontract or site certificate, including the ownership\ncertificate, in the name of the pany, legal person, or\nshareholder;
1.以公司、法人或股东名义提供租赁合同或场地证明，包括所有权证明;
2.Any utility\nbill or rent transfer voucher for the past month. If you are\nsubmitting a rent transfer voucher, all the details within this\nvoucher should be consistent with your lease contract;
2.过去一个月的水电费账单或租金转账凭证。如果你正在提交租金转让凭证，该凭证内的所有细节应与你的租赁合同一致;
3.The\noriginal pany business license with the official seal,\nfinancial seal, and the private seal of the legal person;
3. 公司营业执照原件，加盖公章、财务章、法人私章;
4.The legal person\nalso needs to bring the original ID card and pany-related\ndocuments to open the account on-site.
4.\n法人还需携带身份证正本及公司相关文件到现场开户。
Upon application\nacceptance, a bank official will arrange a visit to your pany’s\nregistered office address and take photos to verify against your\napplication documents.
在接受申请后，银行官员会安排访问你公司的注册办事处地址，并拍照核实你的申请文件。
The Process Of\nOpening A Chinese Bank Account
开立中国银行账户的过程
With the latest\ninternal and regulatory pliance policies, Chinese banks highly\nremend that the legal representative is physically\npresent in China and brings their original passport for the account\nopening.
根据最新的内部和监管守规政策，中国各银行强烈建议法定代表人在中国境内，并携带其开户护照原件。
However, if you\ncannot be present in China due to a travel ban, some Chinese banks\nare now accepting video applications as well. The bank will need to\nvalidate this video as part of their internal pliance process.\nOnce the video application is accepted, a bank representative will\nperform a site visit. If satisfactory, the bank will go ahead and\napprove your bank account.
然而，如果你因为旅行禁令而不能出现在中国，一些中国的银行现在也接受视频应用。作为内部合规程序的一部分，银行需要对这段视频进行验证。一旦视频申请被接受，银行代表将进行现场访问。如果满意的话，银行会批准你的银行账户。
Additionally, the\nperson representing the pany in China will have to visit the bank\nwith the required documents of its legal representative as stated\nabove. The bank staff will conduct a real-time authentication call\nwith the legal representative to confirm the opening of the account.
此外，在中国代表公司的人必须带着上述法定代表人的必要文件去银行。银行工作人员将与法定代表进行实时认证电话，以确认账户的开立。
While this may sound\nlike a lengthy process, many mercial banks are trying to\nfacilitate this with leniency to help all the new clients with\nalternative solutions. In fact, some banks can organise a virtual\ninterview, under the condition that the legal representative’s\ndocumentation is notarised at the Chinese Embassy or Consulate of the\ncountry they reside in.
尽管这听起来可能是一个漫长的过程，但许多商业银行正试图从宽处理，以帮助所有新客户找到替代解决方案。事实上，一些银行可以安排一次虚拟面谈，条件是法定代表人的文件必须在所居住国家的中国大使馆或领事馆公证。
What To Do If\nYour Bank Account Is Frozen?
如果你的银行账户被冻结了该怎么办？
Did you miss a phone\ncall from your bank manager? Have you rented a new office in China?\nHave you informed your bank about your office address change? These\nare just some of the suspicious activities that can cause the bank to\nfreeze your account.
你没接到银行经理的电话吗？你在中国租了一间新办公室吗？你有没有通知你的银行你办公室地址的变更？这些只是可能导致银行冻结你账户的一些可疑行为。
If you have an FIE,\nbut your bank account in China is frozen, here are some things you’ll\nneed to do to restore your account:
如果你有一个外商投资企业，但是你在中国的银行账户被冻结了，这里有一些你需要做的事情来恢复你的账户:
1.Communicate with\nyour bank promptly and provide any documentation required to unfreeze\nthe account. This could be recently acquired rent and utility\ninvoices, site lease contracts, pany social insurance and\ntransaction contracts, among others;
1.立即与你的银行联系，并提供解冻账户所需的任何文件。这可能是最近获得的租金和水电费发票，网站租赁合同，公司社会保险和交易合同等;
2.Your pany must\nreassure and guarantee the bank that all operations are legal,\nformal and truthful;
你的公司必须向银行保证所有的操作都是合法的、正式的和真实的;
3.If the above\ndoesn’t work, you may need to consider closing the\nfrozen bank account and reopen it with another bank.
3.如果上述方法不起作用，你可能需要考虑关闭被冻结的银行账户，然后在另一家银行重新开户。
These procedures may\nsound challenging, but many organisations in China are adjusting to\nthe new regulations. On the brighter side, these new regulations add\na layer safety through two-factor authentication to safeguard your\nbank account.
这些程序可能听起来很有挑战性，但是中国的许多组织正在适应新的规定。好的一面是，这些新规定通过双重认证为你的银行账户增加了一层安全保障。