Ukuvula iAkhawunti yeBhanki yaseTshayina
IsiTshayina vs iibhanki zangaphandle
Ngokungafaniyo neHong Kong, inkqubo yokuvula i-akhawunti yebhanki kwi-Mainland yaseTshayina iye yahlala ithe tye ngenxa yokunqongophala kwe-KYC kunye neenkqubo zokukhuthala. Iibhanki ezinkulu zaseTshayina ezifana neBhanki yaseTshayina kunye ne-ICBC zamkele iinkampani ezityale imali kumazwe angaphandle ukuba zivule ii-akhawunti zazo zebhanki kumasebe azo, zineenkqubo ezinqongopheleyo ze-KYC zokuhlola elona shishini lezi nkampani. Yonke inkqubo yokuvula i-akhawunti yeshishini elitsha elityalwe kumazwe angaphandle (WFOE) idla ngokuthatha iiveki ezintathu ukuya kwezine.
Oku kuchasene nokuvula i-akhawunti yebhanki kwiibhanki ezityalwe kumazwe angaphandle ezifana ne-HSBC kunye ne-Standard Chartered, ezibonelela ngoluhlu olupheleleyo lweenkonzo zebhanki kodwa zihambelana nemigangatho yamazwe ngamazwe xa kuziwa ekuthathweni kweshishini. Amasebe aseTshayina eebhanki zangaphandle aneenkqubo zokuthotyelwa ezicacileyo kunye neemfuno eziphezulu ze-KYC kwaye ngenxa yoko, inkqubo inokuthatha ixesha elide.
Ityala leNkonzo yeShishini
Imingeni yenkqubo
Ke ngoko, umngeni ophambili, ngakumbi kwimeko yeebhanki zaseTshayina, yinkqubo; kwaye ngelishwa inkqubo iya isiba nzima ngakumbi. Iibhanki bezisoloko zikhetha ummeli osemthethweni wenkampani ukuba eze ebhankini ngokwakhe ukuba asayine amaxwebhu, kodwa ngokuqwalasela ingxaki kunye nokulibaziseka okunokwenzeka xa kubandakanywa ummeli osemthethweni ongeyena waseTshayina ohlala phesheya, iibhanki ezininzi bezisoloko zibhetyebhetye ngakumbi: ipasipoti yokuqala yommeli osemthethweni. okanye ikopi eqinisekisiweyo / esemthethweni ibisoloko yanele ukukholisa isebe lendawo ukuba lamkele isicelo sokuvula iakhawunti yebhanki entsha.
Noko ke, kwiinyanga zakutshanje siye sabona utshintsho kwesi simo sengqondo. Kusekho amasebe ebhanki athatha indlela ebhetyebhetye ngakumbi - ukwamkela incwadana yokundwendwela yokuqala okanye, kwezinye iimeko, ukuqinisekisa imvume yommeli osemthethweni ngomnxeba we-WeChat okanye ukurekhoda. Ezi ngaphandle zisoloko zenziwe ngokusekelwe kubudlelwane obuhle phakathi kwamagosa esebe lebhanki elithile kunye nomboneleli wenkonzo wequmrhu ophethe inkqubo yokuvulwa kwebhanki.
Phantsi kwesikhokelo semigaqo-nkqubo yangaphakathi evela kwibhanki ephakathi yaseTshayina, nangona kunjalo, inani lamasebe afuna ukuhlala ebhetyebhetye liyancipha. Kwiimeko ezininzi, ngoku kufuneka ummeli osemthethweni eze kutyelela isebe lasekuhlaleni ngokobuqu.