很多客户找我们成功下户之后，疏于对账户进行管理维护，过了一段时间，不是账户被冻结就是被关户。解冻手续不仅繁琐，银行还会要求你提供一大堆证明资料，申请新户也几乎是难于登天，因为被关户之后你很有可能已经进入了银行的黑名单。Some of our clients complained that their Hong Kong bank accounts have either been frozen or closed. That can be very troublesome, because not only the procedures for unfreezing are complicated, but also the bank will ask you to provide pile of documents. As for getting a new account, it is even more difficult, for you might have been blacklisted by the bank due to your closed account. 香港账户优势突出，无外汇管制、汇率稳定、收付无限制，但是关户风险也是真的高。毕竟国际社会都在大力打击洗钱、恐怖分子资金筹集和逃税等不法活动，所以香港各大银行都会加强对自己客户的监管。With no foreign exchange control, stable exchange rate, no limit on payment, Hong Kong bank account is always a popular choice. However, there is also much occurrence of closed accounts. In recent years, the international community has vigorously cracked down on illegal activities such as money laundering, terrorist fund raising and tax evasion, as well as various forms of sanctions, which make the banks to tighten their supervision over their accounts. 那我们怎样才能做好香港账户的后期维护，减少被关户的风险呢？So, how to take good care of the account and avoid a closed one? 首先，我们要知道为什么会被关户。其实，银行注销账户的原因无外乎两种，一是清理“僵尸户”，二是账户有洗黑钱嫌疑。First, we need to know why our account will be closed. Actually, there are no more than two reasons for the bank to close the account, one is to clean up "zombie accounts", the other is that the account is suspected of money laundering. 账户里长时间没有余额，也没有任何交易记录，就会被银行判定为“僵尸户”。If there is no balance in the account or any transaction record for a long time, it will be considered as a "zombie account" by the bank. 而有洗黑钱嫌疑很有可能是因为大量地存入现金，尤其是美金，或者是从多个账户汇入钱款后再一次性汇出去，来去不明，又或者是过往的交易对手在银行有不良记录。The suspicion of money laundering is probably due to large deposits of cash, especially US Dollars. Or the account receives payments from multiple accounts and remit them at one time after a period of time. Or your transaction partners have bad records with banks. 知道了关户原因之后，我们就可以对症下药，做好账户的后期维护了。So, try to take good care of your accounts based on these reasons! 收到账户之后，要及时根据银行要求存入预存款/激活款（一般是下户后的一周内）以便银行扣除查册费。太久不存入最低预存/激活款资金，银行会按照不动户进行关户。When you receive your account, please deposit the pre-deposit/activation fund in time (generally within one week after your reception) as required, so that the bank can deduct the search fee. If you don’t deposit or keep no balance for too long, the bank will freeze your account.收到网银后，要根据指引及时激活编码器或网银。建议最好是按银行客服指引进行登录网银，不要擅自操作。After receiving the online banking account, please activate the encoder or online banking in time according to the guidance. And we strongly suggest you call the bank service for help instead of dealing it all by yourself. 另外，银行会下发初始密码给客户，客户激活账户后是需要进行二次更改的，所以你务必要记好自己设置的网银密码。Besides, please remember your online banking LOGO IN password. Generally, the bank will send you an initial password which you need to change after activation. So don’t forget the password you choose. 激活账户后，就算没有汇款需要，也要每个月都定期进行网银登录，一两次就可以，保持网银活跃度。It is better to log in your online banking account every month (once or twice a month), even if no remittance is made, to keep it active. 除了要保持账户之外，别忘了我们还要避免洗黑钱嫌疑，其实就是要小心账户的资金往来。 尽量不要大额资金整存，整取；保持帐户有一定的存款，不能欠费。如有实际收入，建议实际核数出具审计报告，避免银行抽查到，无法提供而导致账户被冻结。Do not deposit or withdraw large amounts of funds in whole; Keep a certain amount of deposit in the account and do not owe any fees. If there is any actual income, it is recommended to prepare an audit report based on the actual amount. If you fail the random investigation by the bank, your account might be frozen. 还有就是，敏感国家的钱不要收（例如伊朗，苏丹，古巴等），如果有朋友叫代收款或是代汇款也要留个心眼，尽量不代收，尤其是行业不同的，避免影响账户安全。Do not receive payments from sensitive countries such as Iran, Sudan, Cuba. To be on the safe side, do not use your account to receive payments for your friends, especially those in different industries. 尽量保持在银行预留的行业与实际收付款行业一致。比如，当时开户和银行预留的行业是服装贸易，下户后交易资金和对象80%却是一些服务公司，这种操作不利于账户长久使用。As far as possible, try to keep the industry recorded in the bank consistent with the industry you get payments later. For example, the industry recorded in the bank is clothing trade, but later 80% of your trading partners are service companies. Such inconsistence is not conducive to the long-term use of the account. 确保预留给银行的通讯地址、手机号码、常用邮箱有效，如果收到银行的调查表格，比如合规调查表格，及时提供以及回复银行，配合银行所有的相关调查，以免因此银行未得到任何回复而造成账户被关闭。Please make sure the information you give to the bank are correct and valid, such as mailing address/telephone/email. If you receive the investigation form from the bank, you should reply to it in time and show your cooperation during the investigation. No reply will result in a closed account. HACOS provides free consulting services for exit and entry and Chinese visa. If you want to know more about coming to China or doing business here, please contact us!
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