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5 thoughts on “jewelry wholesale market How to avoid being seized and frozen in the Hong Kong bank account”
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jewelry boxes with logo wholesale Regarding the issue of account maintenance, I have written more detailed articles before. You can find it to see
in December 2012 HSBC's supervision of money laundering activities, it was fined US $ 1.92 billion by the US government. Establishment. In the past five years, the regulatory system has become increasingly perfect. Now opening an account in Hong Kong is not easy. Customers with special situations such as equity and business models are complicated. Customers who have shareholders' nationality and account funds in non -issuance areas. If the account is closed due to improper account maintenance, it is basically impossible to reopen at the original bank. And the new account will inevitably generate time cost and unnecessary cost.
So today, according to many years of banking experience and familiarity with the banking mechanism, I will share with you how to maintain the Hong Kong account.
Is how to operate the daily bank account:
. Keep the capital flow.
The accounts should be maintained within three months of in -depth in and out. If there is no record for more than half a year, banks will think that customers do not have the need for the use of this account, and the account is risk of being closed.
.
The account received a sum, and the same amount was transferred in a short time. Regardless of the whereabouts, banks don't think these are like business.
. The collection of payment
The on -site payment will have a whole deposit and rectification. It will also occur with different industries and accounts. There may also be a large gap in the amount. It is difficult for banks to understand the source and use of funds.
. Introduction to personal accounts
This Hong Kong's personal account and company account use distinction is obvious. The company's account can only receive foreign exchange funds, receive capital injection, pay wages, dividend profits, etc.
. Exchange cash
This, deposit, cash bank cannot supervise the source of funds and use of uses, and it is difficult to have frequent and large reasons for the development of the banking industry today (Hong Kong's retail industry except). The cash withdrawal is generally only 10 % to 30 % of the monthly receipt, and there are sufficient reasons.
6, capital exchanges areas
most banks hope that accounts can be traded with some developed areas. If it comes to some places where the situation is turbulent, banks are unlikely to judge the security of funds, and the risk of banks has become higher. Once the mistake is mistaken, it is even risk of being fined by the government.
7. Exchange with the "underground money house"
It hard to supervise the "underground money house" and the collection of foreign exchange companies' accounts, which are the payment? What are the funds of unknown origin? The bank only "one -size -fits -all" to shut down the accounts of these companies, so if you have exchanges with these companies, you will have the opportunity to be led.
. The facts do not match the facts
In open or annual review accounts. Many customers think that this is just a form, so it is perfunctory. In the future, the scale of accounting areas, the account industry, and the scale of foreign exchange collection funds is inconsistent with the filing materials, and there is no reasonable explanation of the risk of being closed.
. The cross -industry account of the account
The bank believes that in addition to the group company with a large background, most of the SMEs are relatively single. For example, clothing companies often have the accounts of hardware, electronics, frozen meat, furniture, toys, toys, and printing companies. Banks will question the authenticity of customers' operations.
X. Keep contact with the bank and update information in a timely manner
When there is a need, the bank will contact customers through emails, telephones, letters, and attach processing. Therefore, in order to avoid losing contact with the bank and the risk of closing the account, when changing the mobile phone number, e -mail, and mailing address, contact the bank in time to update the bank registration information.
buy wholesale trays for jewelry Hello, with the implementation of the CRS policy, a large number of Hong Kong companies' bank accounts have been conducted by local banks in Hong Kong. In fact, as long as the Hong Kong company's bank account is used correctly, local banks in Hong Kong will not close the Hong Kong company bank account of customers for no reason.
1. The background is true, normal transactions
This Hong Kong companies must prepare relevant business orders. This is also one of the most valued information of local banks in Hong Kong. If Hong Kong companies have related companies in China and have normal trade materials and funds, the bank accounts of Hong Kong companies will be safe. If the Hong Kong company's bank account applicant is a single Hong Kong company, there is no actual affiliated company and transactions, but there are relatively large foreign exchange exchanges, you need to explain the situation to the local banks in Hong Kong, otherwise it is very likely that local banks in Hong Kong are frozen and frozen and offered Logging out the account.
2. Do not deal with national transactions with high -risk areas
The trim do not deal with the sanctioned countries, or the country with economic and political instability. Because these countries are often unable to remit foreign exchange directly, generally through third -country or offshore account remittances, the flow of these funds is difficult to illustrate the source and use. For example, Iran, such as Syria, such as North Korea, recently included parts of Venezuela and Russia's sanctions.
3, try to be as little or not with personal transactions
This requirements are much stricter than before. Trading with individuals can easily affect the stability of the account and face stricter reviews, such as income description, employment instructions, etc. Essence
4. Do not use the Hong Kong company account for a long time
The here includes two cases. The first is not used for a long time. Although the Hong Kong company's bank account is opened, it is rarely used or has not been used. The probability of this Hong Kong company's bank account is very high. The second is that Hong Kong companies do not have business or rarely conduct business exchanges. The bank accounts of Hong Kong companies have rarely flowing funds. Such a Hong Kong company bank account is also easy to clean up.
I answers for your reference, I hope to help you, welcome to like us and follow us, thank you.
broken heart jewelry wholesale 1. After the account opening is successful, it is best to save the account on the account within 60 days. When opening an account, after interviewing the customer manager of the bank, please leave his direct contact phone number and mailbox. When the later account operates or any other issues, you can contact it directly.
2, letter from the bank, please reply in time. The Hong Kong Bank was influenced by policies such as the joint application standards of the CRS, the regulations on the illegal fund -raising regulations of the anti -money laundering, and the KYC due diligence. Don't panic after receiving the letter, read the content of the investigation carefully, take seriously, and reply to the bank on time at the prescribed time.
3. Hong Kong banks have a large amount of funds that have been made in. For example, bank accounts have received more than 100,000 at a time, and all the day of receipt will be transferred. Account.
4. Do not deal with funds with sensitive areas. If the Hong Kong bank account has funds with sensitive or sanctioned countries and regions, your bank account will definitely be closed. Hong Kong banks refuse to cooperate with risky countries. As for what sensitive countries and regions include, each bank's list is different, but the general direction is the same. For example, some countries with serious wars and smuggling will definitely be investigated.
5, often use, do not change the "zombie house". For banks, "zombie households" not only occupy bank service resources, but also have potential financial risks, so cleaning measures will be taken. Therefore, after the account comes down, it is necessary to maintain a certain amount of water in and out of water, and ensure that the average daily deposit amount that meets the bank's requirements must be met. Generally, the bank manager will do due diligence to customers after three months of opening an account and half a year. Otherwise, it will be closed.
wholesale costume fashion jewelry new york city 1. Keep your account active and ensure that there are a certain amount of balance in the bank account, and avoid business and capital exchanges with high -risk countries.
2, Hong Kong companies that belong to bank accounts need to handle annual annual reports of the company and tax declaration to maintain the diverse compliance of Hong Kong companies.
3. The company has normal business activities. It requires the company's audit business normally, and the company's business -related documents and audit reports are stored.
4. If the Hong Kong company belongs to the bank account, there is a company change.
5. If the bank requires the data update, it is necessary to actively cooperate with the bank's required information to avoid being included in the risk account and the Hong Kong bank account is closed.
6. Pay attention to transactions with individuals. Generally, the company's bank account rarely directly has a transaction relationship with personal bank accounts. If a Hong Kong company's bank account flows frequently with one or more personal bank accounts, it is likely to touch the security bottom line of banks in Hong Kong, which will cause the company's bank account to close.
7. Do not participate in illegal transactions. If the customer's bank account involves any illegal activities, and even suspects that the bank account will be closed.
jewelry junkie wholesale Hello, I am glad to answer your questions.
I Hong Kong bank accounts need to pay attention to the following points:
1, long -term maintenance status
2, account keep a certain deposit
3, avoid borrowing from others
4, avoid fast forward and fast, fast forward and fast Out
5, actively cooperate with the bank to update the data
6, avoid transaction with sensitive countries
7, annual audit and audit tax reporting on time in accordance with regulations on time.
Wang the above answer can help you.