Gufungura konti ya banki rusange mubushinwa
Abashinwa n'amabanki yo hanze
Bitandukanye na Hong Kong, inzira yo gufungura konti muri banki ku mugabane w’Ubushinwa yamye yoroheje cyane kubera kubura KYC nuburyo bukwiye bwo gukorana umwete. Amabanki manini yo mu Bushinwa nka Banki y’Ubushinwa na ICBC yakiriye amasosiyete ashora imari mu mahanga kugira ngo afungure konti zabo muri banki ku mashami yabo, hakaba hashyizweho uburyo buke bwa KYC kugira ngo hasuzumwe ubucuruzi nyabwo bw’ibi bigo. Gahunda yose yo gufungura konti kumushinga mushya ushora imari mumahanga (WFOE) mubisanzwe bifata ibyumweru bitatu cyangwa bine.
Ibi bitandukanye no gufungura konti muri banki zishoramari mu mahanga nka HSBC na Standard Chartered, zitanga serivisi zuzuye za banki ariko zikurikiza amahame mpuzamahanga mugihe cyo gufata imishinga. Amashami yUbushinwa yamabanki yamahanga afite uburyo bunoze bwo kubahiriza ibisabwa hamwe na KYC isabwa cyane kandi kubwibyo, inzira irashobora gufata igihe kirekire.
Urubanza rwa serivisi
Inzitizi zuburyo bukurikirana
Kubwibyo, imbogamizi nyamukuru, cyane cyane kubijyanye na banki zUbushinwa, ni inzira; kandi ikibabaje nuko inzira igenda irushaho kuba ingorabahizi. Amabanki yamye nantaryo ahitamwo uwuhagarariye isosiyete yemewe n'amategeko kuza muri banki imbonankubone kugira ngo basinyire ibyangombwa, ariko urebye ikibazo n’ubukererwe bushobora guterwa mugihe uhagarariye uhagarariye abadafite amategeko mubushinwa uba mumahanga, amabanki menshi yari asanzwe ahinduka: pasiporo yumwimerere uhagarariye amategeko cyangwa kopi ya noteri / yemewe n'amategeko yamye ihagije kugirango yemeze ishami ryaho kwakira icyifuzo cyo gufungura konti nshya ya banki.
Mu mezi ashize, ariko, twabonye impinduka muri iyi myumvire. Haracyari amashami ya banki afata inzira yoroheje - kwakira pasiporo yumwimerere cyangwa, hamwe na hamwe, yemeza ko uhagarariye amategeko abinyujije mumuhamagaro wa WeChat cyangwa gufata amajwi. Ibi bidasanzwe bikunze gukorwa hashingiwe ku mibanire myiza hagati y’abakozi b’ishami ryihariye rya banki n’umushinga utanga serivisi ushinzwe gufungura banki.
Bayobowe na politiki y’imbere muri banki nkuru y’Ubushinwa, ariko, umubare w’amashami yatinyuka gukomeza guhinduka uragenda ugabanuka. Kenshi na kenshi, uhagarariye amategeko asabwa kuza gusura ishami ryaho imbona nkubone.