Bankkonto i Kina - muligheder og udfordringer

Præsentationer af emnet: "Bankkonto i Kina - muligheder og udfordringer"— Præsentationens transcript:

1 Bankkonto i Kina - muligheder og udfordringer
September 2011 Bankkonto i Kina - muligheder og udfordringer

2 Bank systemet i Kina People’s Bank of China (PBOC)
Centralbanken i Kina Formulerer og implementerer den monetære politik, opretholder finansiel stabilitet Tilvejebringer forskellige bankprodukter til fordel for økonomisk vækst og prisstabilitet i bank-sektoren. China Banking Regulatory Commission (CBRC) Formulerer regler for bank-sektoren Udfører on-site kontrol i bankerne Varetager kundernes interesser, sørger for at opretholde markedernes tiltro til bank systemet Indsamler og offentliggør statistik omkring bankernes forretninger, volumer osv. State Administration of Foreign Exchange (SAFE) Ansvarlig for overvågning og administration af FX-markedet i Kina Formulerer forslag til nye regler på området – og er ansvarlig for udbredelsen af disse regler Deltager aktivt i processen omkring konvertibiliteten af RMB Offentliggør statistik omkring valutareserverne, udl. investeringer, cross border betalinger m.v.

3 Bankkonti i Kina Lokal valuta – CNY (eller Renminbi)
Basic account (lønudbetalinger og kontanthåndtering) Ordinary/current account (daglige transaktioner) Loan account Loan repayment account Special account (benyttes ofte i forbindelse med myndigheds projekter) Pledge account (spærret konto pantsat til sikkerhed for specielle formål f.eks remburser, garantier osv.) Time deposit account (aftale indskud) Foreign Currency Capital account (Anvendes til kapitalindskud fra udlandet) Temporary account (“Pre-operating expenses” – kan konverteres til kapitalindskud) Foreign Debt account (lån indenfor “Foreign Debt Quota” der kan konverteres til RMB) Settlement/current account (daglige transaktioner) Offshore Accounts i både fremmed valuta og CNY Banker’s Acceptance Draft: if a bank accepts to discount a draft the price is 6-10%. Chinese banks are reluctant to do it due to slimmer margins for them compared to a regular working capital loan. BADs were very common up until October In line with other measures to prevent overheating, the central bank suddenly increased the discounting rates for BADs and rumours have it that they may disappear from the market.

4 Dokumenter til brug for åbning af “capital account”
Documents Explanation Signed by who Board of directors + authorized person + company seal Account opening form 开户申请表 Account opening form issued by Handelsbanken General business agreement 总协议 Authorized person + company seal Handelsbanken’s account opening agreement The board resolution stipulates who is authorized to (1) open the account, i.e. signing relevant agreements (2) operate the account and execute payments (3) sign the GlobalOn-Line agreement. Handelsbanken will provide a board resolution template Board resolution template 董事会决议 Company board of directs The specimen signature cards are signature verification tools when executing payments. The person(s) appointed by the board resolution to execute payments need to put their signature on the specimen cards Appointed persons from the board resolution + company seal Specimen signature cards 印鉴卡 Test key contract 密押协议 The test key is way of verifying scanned and faxed documents from the company by using a code system Authorized person Account opening – Terms and Conditions 帐户开立条款 Handelsbanken’s account opening terms and conditions No need to sign During the physical account opening the legal representative need to come in person. If the company wants to send someone else, an authorization letter from the legal representative is needed. Handelsbanken will provide a template Authorization letter for account opening 开户授权书 legal representative + company seal Company basic information form 对公单位基本情况表 A short introduction of the company. Handelsbanken will provide a template Company seal Foreign account registration at SAFE Shanghai 开户信息登记 (非上海客户) Only required when the company is located outside Shanghai. Handelsbanken will provide a form Company seal *According to account opening form

5 Documents needed for opening
Dokumenter til brug for åbning af “capital account” Documents Explanation Documents needed for opening Articles of association 公司章程 The Chinese entity’s articles of association Copy + company seal Business license 营业执照 The company business license. There are two original copies of the business license, the original license and the counterpart license Two originals together with copies + company seal Two originals together with copies + company seal Legal representative code certificate 组织机构代码证 The legal representative code certificate is issued by State Bureau for Technology Supervision Certificate of approval 批准证书 Original together with copy + company seal The Chinese entity’s certificate of approval Passport copies for the board members signing the board resolution, the legal representative, the authorized person in the board resolution and Global Online users*. Chinese citizens need to provide ID copies + signatures on the copies Passport copies 护照复印件 Copy + company seal Certificate of incorporation 母公司营业执照 Parent company certificate of incorporation Copy + company seal Foreign account approval by SAFE 外汇账户开立核准件 An approval from SAFE stored on the IC card, stating that the company is allowed to open a capital account Copy + company seal Foreign exchange Registration certificate card (IC Card) 外汇登记证IC卡 Companies wishing to open foreign accounts need to apply for a Foreign Exchange Registration Certificate Card (IC Card) with SAFE Original +Copy + company seal Joint venture contract 合资合同 If the company is operating in a joint venture, a joint venture contract is needed Copy + company seal *If the company send someone else instead of the legal representative for the physical account opening, that persons passport copy is also needed

6 Dokumenter til brug for åbning af “CNY ordinary account”
Documents Explanation Signed by who CNY account opening form 开立单位银行结算帐户申请书 Application form for opening of CNY account issued by People’s Bank of China, only available in Chinese Company seal Authorized person or legal representative + company seal CNY settlement account agreement 人民币结算帐户管理协议 Agreement issued by People’s Bank of China, only available in Chinese Account opening – Terms and Conditions 帐户开立条款 Handelsbanken’s account opening terms and conditions No need to sign The board resolution stipulates who is authorized to (1) open the account, i.e. signing relevant agreements (2) operate the account and execute payments (3) sign the GlobalOn-Line agreement. Handelsbanken will provide a board resolution template Board resolution template 董事会决议 Company board of directors The specimen signature cards are signature verification tools when executing payments. The person(s) appointed by the board resolution to execute payments need to put their signature on the specimen cards Specimen signature cards 印鉴卡 Appointed persons from the board resolution + company seal Test key contract 密押协议 The test key is way of verifying scanned and faxed documents from the company by using a code system Authorized person Legal representative or legal representative seal + company seal Legal representative contact details form 法人及财务主管联系电话 The legal representative and other financial staff need to provide their contact details Self declaration form 开户证明文件 Unless the company is going to have a loan, a self declaration is needed to why the company wishes to open a CNY account Company seal During the physical account opening the legal representative need to come in person. If the company wants to send someone else, an authorization letter from the legal representative is needed. Handelsbanken will provide a template Authorization letter for account opening 开户授权书 Legal representative + company seal *Either company seal or financial seal plus signatures or personal seal for the appointed persons are accepted

7 Documents needed for opening
Dokumenter til brug for åbning af “CNY account” Documents Explanation Documents needed for opening Articles of association 公司章程 The Chinese entity’s articles of association Copy + company seal CNY basic account certificate 开户许可证 Original together with a copy + company seal The company’s basic account CNY certificate issued by PBOC The company business license. There are two original copies of the business license, the original license and the counterpart license Two originals together with copies + company seal Business license 营业执照 Two originals together with copies + company seal Legal representative code certificate 组织机构代码证 The legal representative code certificate is issued by State Bureau for Technology Supervision Passport copies for the board members signing the board resolution, the legal representative, the authorized person in the board resolution and Global Online users*, are needed. Chinese citizens need to provide ID copies + signatures on the copies Passport copies 护照复印件 Copy + company seal Certificate of approval 批准证书 Original together with copy + company seal The Chinese entity’s certificate of approval Two originals together with copies + company seal Tax certificate 税务登记证 The Chinese entity’s tax certificate issued by the tax authorities Loan card 贷款卡 All companies in China wishing to take bank loans need to apply for a loan card at their local PBOC Copy + company seal Capital verification report 验资报告 The capital verification report is a legal proof of the company’s capital contribution and is annually reviewed and issued by the company’s auditor Copy + company seal *If the company send someone else instead of the legal representative for the physical account opening, that persons passport copy or ID is also needed

8 Vigtige “Cards” fra myndighederne
Loan Card ansøges om hos PBOC uden kort … ingen lån, garantier osv. E-Port Card ansøges om hos toldmyndighederne benyttes til tolddeklarering af varer Anvendes af bankerne til at tjekke om virksomheden har kvota nok for skyld / tilgodehavender i udlandet ved cross border betalinger IC Card ansøges om hos SAFE benyttes når der skal omveksles fremmed valuta til RMB

9 Rentesatser i Kina Juli 2011 RMB indlån Satser Anfordring 0,5 %
- fastsættes af Peoples Bank of China Juli 2011 RMB indlån Satser Anfordring 0,5 % 3 måneder 3,10 % 6 måneder 3,30 % 1 år 3,50 % 2 år 4,40 % 3 år 5,00 % 5 år 5,50 % RMB Lån Satser < 6 måneder 6,10% 6 – 12 måneder 6,56 % 1 – 3 år 6,65 % 3 – 5 år 6,90 % > 5 år 7,05 % Rentesatser for indlån i fremmed valuta er ikke reguleret, når modværdien overstiger USD 3 mio.

10 Den kinesiske valuta CNY Officielle ISO møntkode
Anvendes indenlandsk i Kina – altså ved ”on shore” transaktioner Anvendes i forbindelse med handelsrelaterede transaktioner både ind- og udland CNH Ikke en officiel møntkode Anvendes udenfor Kina – altså ”off shore” transaktioner Kan anvendes til alle typer af transaktioner RMB Renminbi – ”Peoples Money” Kontanter

11 Cross border betalinger
Betalinger i Kina Kontanter og kreditkort Veksler Checks og credit notes Bank-clearing Remburser i CNY CNY / CNH Intra City Clearing House “Big Four” Clearing Cross border betalinger Demand Draft Commercial Draft China National Advance Payment System “CNAPS” Commercial Acceptance Draft Bankers Acceptance Draft (BAD) HVPS BEPS Supply Chain Finance

12 Kan man det – og hvordan ? Kan man kun have indenlandsk samhandel i Kina i CNY ? Kan man lave lokale betalinger fra en konto i Shanghai – når selskabet er i Beijing ? Kan man lave cross border betalinger fra en konto i Shanghai, når selskabet er i Beijing? Kan man overføre USD eller EUR internt i Kina ? Kan man lave betalinger fra en konto i Kina – når man sidder i Danmark ? Kan man underskrive kontooprettelse- og/eller lånedokumenter i Danmark ? Kan man … Cooperation with Chinese banks: we have limits in those banks, they can take risk on us or we can take risk in Chinese banks. cross-border payments highly regulated by SAFE

13 Verdens 2. stærkeste bank
Hvor er Handelsbanken i Greater China ? Europas stærkeste bank Verdens 2. stærkeste bank Beijing Rep. kontor 3 ansatte Repræsenteret i Beijing siden 1982 Bankfilial i Shanghai siden 2005 Første nordiske bank med CNY licens Første nordiske bank med i den nationale clearing Første nordiske bank, der udsteder obligationer i Kina Første nordiske bank, der gennemfører betalinger ind og ud af Kina i CNY Shanghai Bank filial 23 ansatte Hong Kong Bank filial 26 ansatte Taipei Rep.kontor 1 ansat

14 Hvad kan Handelsbanken i Greater China ?
CNY driftskonti Finansiering i lokal og udenlandsk valuta Leasing af biler og produktionsudstyr Diskontering af Bankers Acceptance Draft – ”BAD” Aftaleindskud i CNY og fremmed valuta – samt Entrustments Loans Garantier i CNY – Performance, Bid Bond, Warranty, Advance payment m.v. Terminskontrakter i CNY E-banking system – Handelsbanken GlobalOn-Line Konto informationer i realtid (gælder for alle Handelsbankens afd.) Indenlandske og crossborder betalinger (gælder for alle Handelsbankens afd.) Trade Finance Letters of Credit, Import/export, Collections mv.

15 Global On-line – Hanadelsbankens globale cash managementsystem
Online kontoinformation for alle konti i Handelsbanken samt konti i øvrige banker Transaktionsinformationer Lokale betalinger Cross border betalinger Koncerninterne overførsler valør samme dag Download af kontoinformationer Integration til ERP system Elektronisk fuldmagtssystem Autorisere betalinger uanset hvor du befinder dig ONE BANK – ONE SOLUTION

16 Erhvervsafdelingen i Handelsbanken Shanghai
Team member Johan Andrén General Manager Catherine Gao Deputy Branch Manager Irene Wu Head of Financial Institutions Joakim Hedhill Account Manager Camilla Sjöberg Account Manager Jessica Liao Assistant Tina Jin Assistant Language Speaks Swedish English Mandarin Speaks Mandarin English Speaks Mandarin English Speaks Swedish English Mandarin Speaks Swedish English Speaks Mandarin English Speaks Mandarin English Contact details Contact details Telephone: handelsbanken.se Contact details Telephone: handelsbanken.se Contact details Telephone: handelsbanken.se Contact details Telephone: handelsbanken.se Contact details Telephone: handelsbanken.se Contact details Telephone: handelsbanken.se Contact details Telephone: handelsbanken.se

17 Looking forward to welcome you in Handelsbanken Shanghai
Mrs. Irene Wu Senior Relationship Manager and Head of Financial Institutions Tlf.: lokal. 858 Visiting address: Handelsbanken Shanghai branch Room 2005 Henderson Metropolitan Building No. 155, Tianjin Road Huangpu District Shanghai , China