在外贸圈子里，开一个香港银行账户可能已不仅是流行，而是必须。
In the foreign trade industry, opening a Hong Kong bank account may not only be a blooming trend, but a must.
中国大陆地区奉行独立的货币政策，所以国内账户会外汇管制，每人每年只有5万美元的外汇额度。但是在香港地区，资本可在全球范围内自由流动，无外汇管制且汇率稳定。
Mainland pursues an independent monetary policy, so domestic accounts are subject to strict foreign exchange control, and each person has only a foreign exchange quota of 50,000 US dollars per year. However, in Hong Kong, capital can flow freely around the world, with stable exchange rates and no foreign exchange controls.
但现在香港银行对于开户审核越来越严格，不仅要求提交成堆成叠的资料，还添了多层审查程序。
But now, Hong Kong banks are becoming more and more strict with account opening, not only requiring the submission of piles of documents, but also imposing multiple layers of review procedures.
这是因为近年来国际社会大力打击洗钱、恐怖分子资金筹集和逃税等不法活动，再加上各种形式的制裁行动，使得各银行普遍都加强了管控措施，其中就包括对现有客户及新客户进行更严格的客户尽职审查。
This is because in recent years, the international community has vigorously cracked down on illegal activities such as money laundering, terrorist financing, and tax evasion. Coupled with various forms of sanctions, banks have generally strengthened control measures, including conduct more rigorous due diligence towards existing and new clients.
The procedures for opening an account are more complicated and the time required become longer!
当然，除香港账户外，还有很多地区的离岸账户可供选择，但对于内地的外贸人而言，香港距离更近，开户容易且方便，就算是如今过港受阻，也可以通过内地见证或视频见证开户。
Of course, apart from Hong Kong accounts, there are also many offshore accounts available, but for foreign trade people in the Mainland, Hong Kong is closer, making it easier and more convenient to open an account. Even if passing through Hong Kong is now blocked owing to the pandemic, people can still finish the witness for account opening at a mainland branch or via video.
接下来，小编就为大家介绍几种比较受欢迎的香港账户吧～
So, let me tell you some popular Hong Kong accounts~
上海（香港）汇丰银行有限公司是香港最大的外资银行，目前在亚太地区设有700多家分行和办事处。
The Hongkong and Shanghai Banking Corporation Limited (HSBC), the largest foreign bank in Hong Kong, currently has more than 700 branches and offices in the Asia-pacific region.
It is quick and convenient to make or receive payments through the online bank.
You can use mobile phone to log on the online bank and make payment at any time, and it’s clear to know your company’s cash flow.
3、灵活的外汇服务，可自由兑换外币，如美元、英镑、加元、澳元、日元、新西兰元、欧元、新加坡元、瑞士法郎、人民币、泰铢等。
It provides flexible foreign exchange service, and you can change money freely, including USD, GBP, CAD, AUD, JPY, NZD, EUR, SGD, CHF, RMB, THB, etc.
The enterprise accounts have high security and reliability, so the privacy can be protected well.
5、汇丰银行信誉好，有利于贸易融资，帮助企业树立品牌。
HSBC has great reputation, which is beneficial to trade financing and helps enterprises build their brands.
瀚客可提供香港银行开户的快捷通道，公司董事及股东无需前往香港，可选择在其北京、上海、广州、深圳分行开户并通过视频见证开户，下户时间快至一星期！
HACOS can provide the fast channel to open HK bank account. Directors and shareholders don’t need to go to Hong Kong but can open accounts and be verified through video in its branches in Beijing, Shanghai, Guangzhou and Shenzhen. It may only cost a week!
非居民账户（NRA）其实就是注册一个境外公司，在其名下开立一个在中国境内银行的外汇账户，对于很多外贸人来说也是一个不错的选择，毕竟NRA可以实现境内外收付款、划转外币、合理避税等。
Non-Resident Account(NRA) is also a good choice for foreign trade company, and it means registering a overseas enterprise and using it to open a foreign exchange account in a bank in China under its name. NRA is often used to receive payment, transfer foreign currency and avoid taxation reasonably.
1、使用方便，对境外的外汇收支可凭指令直接办理，且可实现对境外分支机构资金的自动上划、下拨和实时划转。
It is easy to operate, for that the receipts and payments overseas can be handled directly by orders, and the automatic upward/ downward transfer, and real-time transfer of funds of overseas branches are impossible.
NRA is a domestic foreign currency deposit account with less foreign exchange control.
对于初创公司来说，实在无法提供足够的业务文件，但又想有一个能够快速收付款的工具，那么建议你可以开一个电子银行账户，成本低，操作快捷简单。
For start-ups, it is hard to provide enough business documents. If you still want a tool that can quickly collect and pay, then an electronic bank account is recommended. It is lower-cost and quick and easy to operate.
目前来说，香港账户可谓是供不应求，这种不平衡极有可能还会延续下去。个人在香港开立银行账户困难重重，甚至会面临很多不平等条款， 例如，有些银行要求在开户时必须购买保险产品，否则不予开户。
The current situation that the demand for opening HK bank accounts exceeds its supply will continue for a long time. It is difficult for individuals to open a bank account in Hong Kong, and they will even face a lot of inequality clauses. For example, some banks require people to buy insurance products if they want to open a bank account, and people are not allowed to open bank accounts if their don’t meet the requirements of the banks.
瀚客与香港多家银行都有长期合作，客户不用去香港也可快速开户，省钱省时，还有安心售后服务助你做好账户后期维护。
Hanke has long-term cooperation with many banks in Hong Kong. We can help you to quickly open an account without going to Hong Kong, saving your money and time. Besides, we provide good after-sales service and help you maintain the bank account.
If you need a Hong Kong account too, feel free to contact us~
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!
