Tihchhuah · Mizo

ChinaMNC: China-ah Corporate Bank Account Hawng Dan

Foreign founder-te tan China-ah corporate bank account hawng dan chhuina: documents, bank thlang dan, KYC process, RMB leh foreign currency account, leh fimkhur turte. General information chauh a ni, legal emaw tax advice a ni lo.

China-ah company din tum tan chuan corporate bank account hawng chu a pawimawh hmasa berte zingah a tel ve reng a ni. Bank account neih loh chuan business license lak khawm hnuah pawh sum lak luh leh chhuah, salary pek, tax pek, leh invoice (fapiao) lai thil te a kal thei lo. He article hian foreign founder-te tan a tlangpuiin bank account hawng dan tur a han sawi dawn a ni. Hei hi general information chauh a ni; legal emaw tax advice a ni lo. Dik taka thil tih duh chuan China-ah licensed lawyer emaw accountant emaw rawn zawt thin tur a ni.

1. Bank account hawng hmain tih hmasak turte

Bank-in account a hawng dawn chuan company chu a la din ngei tih a fiah duh a. Chuvangin a hmasa berah company registration zawh a ngai. Foreign investor tan chuan hmun tam takah hian company chu Foreign Invested Enterprise (FIE) emaw Wholly Foreign-Owned Enterprise (WFOE) angin a inregister thin. Company registration hi local Administration for Market Regulation (AMR) hnuaiah a awm a, hnathawhna hmun (city emaw district) tinah dan leh kalphung a inang vek lo thei.

Company registration i zawh hnuah hian heng document-te hi i la khawm ang:

• Business license (营业执照) — a original leh copy
• Company seal (公章), legal representative seal, leh financial seal — bank-in a duh dan a inang lo thei
• Articles of association (公司章程)
• Legal representative-te ID emaw passport
• Shareholder-te passport/registration document
• Board resolution (bank account hawng tur chungchang)
• Registered address document — lease contract leh a evidence
• UBO (ultimate beneficial owner) declaration — bank-in a diltir thin

Document tam tak chu a original a nih loh chuan notarized leh legalized (emaw apostilled) a ngai thei a. Chinese tawnga a lehlin a ngaih chang pawh a awm. Heng hi bank tin a inang lo va, a hmun a zirin a inang leh thei a ni.

2. Bank thlang dan

China-ah hian bank chi hrang hrang a awm a. A lian zawng zawngte chu state-owned bank-te an ni a, a thenah commercial bank leh foreign bank branch-te pawh a awm ve. A tlangpuiin heng hi i ngaihtuah ang:

State-owned bank lian-te

Bank lian-te hian branch tam tak an nei a, an system pawh a stabil a. Mahse an KYC (Know Your Customer) check chu a ngawih ngawih lo thei a, document a tam thei a, hun a duh thei bawk. Foreign founder-te tan hian a tlangpuiin an tihdan a nghet a, chuvangin a hmasa lama i thawh chuan a harsat thei.

Foreign bank branch-te

Foreign bank branch-te chuan English tawnga service an pe thei a, foreign founder-te tan a awlsam zawk thei. Mahse branch a tlem a, a fee a sang thei a, an service a hmun azirin a inang lo thei. A branch i duh hmunah a awm ngei em tih i enfiah hmasa ang.

Local commercial bank-te

City tina local bank-te hian an tihdan a awlsam zawk thei a, mahse an foreign currency service a tlem thei. Company hnathawh a tlem a nih chuan a dik thei; export/import a lian chuan a tling lo thei.

Bank thlangin, hmun a nihna (office kianga awm), foreign currency service, online banking, English support, leh an fee-te i enfiah ang.

3. Bank account hawng dan kalphung

Bank account hawng dan hi a tlangpuiin heng ang hi a ni:

• Inquiry: Bank branch kalin, corporate account hawng duh thu i hrilh ang. Document list an pe ang.
• Document submission: Document-te i submit ang. Original leh copy an duh thin.
• KYC interview: Bank-in legal representative emaw authorized person-te interview a nei thin. Company business, shareholder-te, sum luh chhuah dan tur an zawt ang.
• Site visit: Bank-in registered address a tlawh thei a. Address dik a nih leh office a awm ngei tih an enfiah ang.
• Approval: Bank internal approval a awm a, a hun a rei thei — ni khat atanga khawn awl a ni lo.
• Account activation: Account a hawng hnuah online banking token, seal registration, leh a kaihhruai dan tur an pe ang.

Hriat tur pawimawh: bank-in account a hawng dawn hian legal representative chu a ngei ngeiin a rawn tel a ngai thin. A thenah video call emaw notarized power of attorney a pawm thei, mahse bank tin a inang lo. Chuvangin i bank i thlan hmain he chungchang hi i zawt hmasa ang.

4. Account chi hrang hrang

China-ah hian account chi thenkhat a awm a, a pawimawh berte chu:

• RMB basic account (基本户): Hei hi a pawimawh ber a ni. Salary, tax, leh sum chhuah lian berte heta tang hian a kal thin. Company khat tan basic account pakhat chauh a awm thei.
• RMB general account (一般户): Basic account neih hnuah a hawng theih a, sum lak luh leh chhuah atan a tangkai.
• Foreign currency account (外币账户): USD, EUR, leh a dangte atan. Export/import business tan a pawimawh. Foreign currency account hi basic account atanga hrang a ni thin.
• Capital account (资本金账户): Foreign shareholder-te capital an rawn thawn thinna tur. Hei hi foreign exchange (SAFE) dan kal tlangin a kal thin.

Company i din lai leh i hmasawn dan azirin account i mamawh zia a inang ang. Bank-a i zawt hmasa ber tur chu: “Ka business ang tan account engte ka mamawh?” tih hi a ni.

5. Hun leh fee

Account hawng dan hun hi a inang lo va, ni khat atanga kar leh kar rei a chang thei. Document kim lo emaw KYC check rei emaw chuan a la sei thei. Fee pawh bank tin a inang lo va: account maintenance fee, transfer fee, leh online banking fee-te a awm thin. Fee te hi bank-in a pek chhuah tur a ni a, i lo chhiar ngun tur a ni.

6. Fimkhur turte

• Bank-in a diltir document-te chu a original a nih loh chuan a hun rei thei — chuvangin i buatsaih hmasa ang.
• Legal representative a awm loh chuan account hawng a harsa thei — a tel thei ang tih i ruahman hmasa ang.
• Registered address dik lo emaw office awm loh chuan site visit-a harsatna a awm thei.
• Bank thu a inang lo thei — bank pahnih emaw pathum emaw i zawt hmasa ang.
• He article hi general information chauh a ni; legal leh tax chungchangah professional rawn zawt ang.

7. A tawpah

China-ah corporate bank account hawng chu a harsa lutuk lo, mahse a hun a duh a, document a tam a, bank tihdan a nghet a ni. Company registration dik taka tih, document buatsaih tha, leh bank thlan dik chuan a kal zel thei ang. I business a lian chuan accountant emaw corporate service provider emaw rawn thawhho pawh a tangkai thei. Hetah hian thu pek chhuah a ni lo va; a hmun a zirin dan a inang thei a, i case bik atan professional advice i zawt tur a ni.