Pɔblis · Krio

Opo Kɔmpani Bank Akawnt na China: Gid fɔ Fɔrin Fawnda dɛn

Praktikal gid fɔ fɔrin fawnda dɛn we de stat biznɛs na mainland China: aw fɔ opo kɔmpani bank akawnt, udat fɔ go, udat dokumɛnt fɔ karib, ɛn wetin fɔ ekspɛkt. Jɛnɛral infɔmɛshɔn, nɔto lɔgal ɔ tax advays.

If yu de stat yu kɔmpani na mainland China, wan pan di fos big tin yu gɛt fɔ du na fɔ opo kɔmpani bank akawnt. Na tru se Chineez bank sistɛm gɛt in yon rul dɛn ɛn i nɔ tan lɛk bank dɛn na Yurop ɔ Amɛrika. Dis atikul go ɛksplen di prɔsɛs stɛp bay stɛp, udat fɔ go, us dokumɛnt fɔ karib, ɛn udat kayn prɔblɛm fɔ ekspɛkt. Plis not: dis na jɛnɛral infɔmɛshɔn nɔmɔ. I nɔto lɔgal ɔ tax advays. Ɔlɔ we yu rid, tɔk to wan kɔmpani we de du biznɛs na China ɛn wan lɔya ɔ akawntant we sabi di ples.

Wetin mek kɔmpani akawnt impɔtant

Na China, yu kɔmpani nɔ ebul fɔ pe wɔkman dɛn, pe rent, ɔ risiv pe fɔm klayɛnt dɛn if i nɔ gɛt kɔmpani bank akawnt. Di akawnt na di wan we kɔnɛkt yu biznɛs to di ofishal finanshal sistɛm. I sɛv fɔ:

• Risiv pe fɔm kɔstɔma dɛn, ɛn pe sɔplɔya dɛn.
• Pe salary to wɔkman dɛn ɛn pe tax ɛn soshal inshurans.
• Regista kɔmpani transakshɔn dɛn wit gɔvmɛnt ɔfis dɛn.
• Chang fɔrin kɔrɛnsi to RMB ɛn bak, wit di rait papɔ.

Yu nɔ kin yuz pesnal akawnt fɔ kɔmpani biznɛs na China. If yu du so, i kin mek prɔblɛm wit tax ɔfis ɛn bank. So di kɔmpani akawnt na nɔmal tin, nɔto ɔpchɔn.

Ustat fɔ opo di akawnt

Di fos tin: yu kɔmpani mɔs dɔn rɛjista ɔfisial wan. Yu nid di biznɛs laycɛns (di "yingye zhizhao"). If yu nɔ gɛt am yet, yu nɔ ebul fɔ opo bank akawnt. Di akawnt apɔnmɛnt kin kam afta di laycɛns rɛdi.

Sɛkɔn tin: pik di rait bank. Bikɔp bank dɛn gɛt difrɛn rul dɛn fɔ fɔrin kɔmpani dɛn. Sɔm branch dɛn na big siti dɛn lɛk Shanghai, Shenzhen ɔ Beijing dɔn mɔ ekspiriɛns wit fɔrin fawnda dɛn. Sɔm smɔl branch dɛn na inlain siti dɛn kin rili nɔ sabi di prɔsɛs, ɛn dis kin mek am slow. I kin bi gud fɔ aks ɛnɔda fɔrin kɔmpani na yu aria us bank dɛn yuz.

Dokumɛnt dɛn we yu nid

Di lista kin chenj smɔl bay bank ɛn bay siti, bɔt nɔmali yu nid:

• Di ɔrijinal biznɛs laycɛns ɛn kɔpi dɛn.
• Di kɔmpani chatɔ (articles of association) ɛn di apruval fɔ rɛjistrashɔn.
• Laycɛns fɔ di lɛgal riprizɛntativ.
• Paspɔt ɔ ID kɔpi fɔ di lɛgal riprizɛntativ ɛn ɔl di dɛrɛktɔ dɛn.
• Prɔf se yu gɛt ples fɔ du biznɛs (rent agrimɛnt ɔ prɔpati papɔ).
• Kɔmpani chop ɛn di fɔm fɔ opin akawnt we bank go gi yu.
• If yu kɔmpani gɛt fɔrin invɛsta, sɔm bank dɛn go aks fɔ di FDI (Foreign Direct Investment) rɛkɔd ɛn di kapital kontribyushɔn prɔf.

Ɛvritin we na fɔrin papɔ mɔs gɛt Chiniz transleshɔn, ɛn sɔm tɛm i nid fɔ bi notaraiz ɔ apruv bay di rait ɔfis. Di bank go tɛl yu klia wan us papɔ nid spɛshal tritmɛnt.

Aw di apɔnmɛnt de go

Yu kin nɔmali buk apɔnmɛnt bay fɔn ɔ bay di bank in wɛbsayt. Di lɛgal riprizɛntativ ɔ wan pɔsin we gɛt pawa fɔm di kɔmpani mɔs go di branch in persɔn. Sɔm bank dɛn go aks fɔ di akchual fawnda ɔ manija fɔ kam, nɔto jɔs ɛni wɔkman. Dis na impɔtant bit: if yu plan fɔ sɛn sɔmbɔdi ɛls, mek shɔ se di bank agri bifo tɛm.

Na di apɔnmɛnt, bank ɔfisa go:

• Chek ɔl di ɔrijinal dokumɛnt dɛn.
• Aks kwɛstyɔn bɔt yu biznɛs: wetin yu de sɛl, udat na yu kɔstɔma dɛn, us kɔntri dɛn de, ɔmɔs transakshɔn yu de ekspɛkt.
• Mek yu fɔm di akawnt opinin fɔm ɛn di "KYC" (Know Your Customer) fɔm.
• Tɛl yu bɔt di bank in fees ɛn minɛmɔm balans.

Di intavyu kin tek wan awa ɔ mɔ. Sɔm tɛm bank go nid fɔ aks bak fɔ mɔ papɔ, so i nɔ kin bi se yu de fɔm ɔl tin wan tɛm.

Di prɔblɛm dɛn we fɔrin fawnda dɛn kin mit

Fɔrin fawnda dɛn kin mit sɔm prɔblɛm dɛn we yu nɔ kin si na ɔda kɔntri:

• I kin tek tɛm. Sɔm bank dɛn kin tek tu ɔ tri wik, ɛn sɔm tɛm mɔ, bifo di akawnt opin. Yu nɔ fɔ plan se i go bi lɛk wan ɔ tu dez.
• Pruf fɔ adrɛs. Di bank want fɔ si se yu kɔmpani gɛt riyal ples na China. If yu jɔs de yuz wan vachual ɔfis, mek shɔ se di papɔ kliar.
• Fɔrin kɔmpani dɛn gɛt mɔ chek. Bank dɛn kin aks mɔ kwɛstyɔn if di ɔna kɔmpani kam fɔm wan kɔntri we dɛn kɔl "hai risk". Dis na nɔmal anti-mɔni-lɔndrin wɔk.
• Minɛmɔm balans. Sɔm bank dɛn want se yu kip sɔm kɔpɔ na di akawnt ɔl tɛm. Di amo kin difrɛn bay bank ɛn bay akawnt kayn.
• Fɔrin kɔrɛnsi akawnt. Yu kin nid wan RMB akawnt ɛn wan fɔrin kɔrɛnsi akawnt. Di tu de wɔk togɛda, bɔt yu nid fɔ sabi di rul dɛn fɔ chenj kɔrɛnsi.

Ɛp dil dɛn fɔ mek tin izi

Bay di tɛm yu go bank, mek shɔ se ɔl di ɔrijinal papɔ dɛn de wit yu, ɛn kɔpi dɛn klia. Karib wan Chiniz spika ɔ wan kɔnsɔltant we yu trɔst, if yu nɔ sabi Mandarin. Di bank wɔk go izi if yu ebul fɔ ɛksplen yu biznɛs klia wan ɛn sho se yu gɛt riyal transakshɔn dɛn.

I kin bi gud fɔ tɔk to di bank bifo yu go: aks wetin dɛn nid, ɔmɔs tɛm i go tek, ɛn if dɛn gɛt spɛshal rul fɔ fɔrin kɔmpani dɛn. Sɔm tɛm, i kin bi gud fɔ opin akawnt na di sem siti us yu kɔmpani rɛjista, bikɔp di bank dɛn de savi di lokal biznɛs bɛtɛ.

Wetin fɔ du afta di akawnt opin

Di wɔk nɔ dɔn we di akawnt opin. Yu gɛt fɔ:

• Infɔm di tax ɔfis bɔt di akawnt witin di tɛm we dɛn tɛl yu.
• Kip gud rɛkɔd fɔ ɔl transakshɔn dɛn, bikɔp tax ɔfis ɛn bank kin aks fɔ am.
• Rɛvju di akawnt ɛvri ia ɛn mek shɔ se di infɔmɛshɔn de kɔrɛkt.
• Yuz di akawnt fɔ riyal kɔmpani biznɛs nɔmɔ.

If yu kɔmpani chenj adrɛs, chenj dɛrɛktɔ dɛn, ɔ chenj ɔna, yu mɔs tɛl di bank kwik tɛm. If nɔt, di bank kin friz di akawnt.

Fainal wɔd

Opo kɔmpani bank akawnt na China nɔ rili had, bɔt i nid pashens ɛn kɔrɛkt papɔ. Di men tin dɛn na: gɛt yu biznɛs laycɛns rɛdi, pik wan bank we sabi fɔrin kɔmpani dɛn, karib ɔl di ɔrijinal dokumɛnt dɛn, ɛn bi rɛdi fɔ ɛksplen yu biznɛs klia wan. Dis gid na jɛnɛral infɔmɛshɔn nɔmɔ, nɔto lɔgal ɔ tax advays. Bank rul dɛn kin chenj, so bifo yu stat, tɔk to wan kwualifay lɔya ɔ akawntant we sabi China, ɛn tɔk to yu bank directly fɔ di latest infɔmɛshɔn.