现在很多外贸企业，为了能够方便地收结汇，都会开立离岸账户，其中最受欢迎的无疑是香港账户。但为打击不法金融行为，香港银行会业务真实性存疑的账户进行抽查，尤其是对公账户。如果被发现公司业务造假，会作关户处理。
Nowadays, to ensure a convenient foreign collection, many foreign trade enterprises will open offshore accounts, among which the HK account is the most popular one. Yet, in order to combat illegal financial behavior, such as money laundering, banks in Hong Kong will conduct investigation on accounts, especially corporate accounts that are suspected of unnormal operations. If the company's business is found to be fraudulent, the account will be closed.
不过遇到银行抽查也不用太过慌张，积极并及时配合银行的调查工作，按照要求提供相关文件，解释清楚资金流向，账户是不会无缘无故被关的。
It is no need to panic when encountering an investigation by the bank. All you need to do is to accept the bank’s investigation actively and promptly and show great cooperation. The account will not be closed for no reason if you provide relevant documents as required, and explain the flow of funds clearly.
首先，要经常查看电邮。银行抽查一般是以电邮的方式进行，调查邮件会发送至预留银行的邮箱，所以要多留意有无收到相关调查邮件，如有，要尽快回复。
You’d better check your email frequently. The investigation is generally conducted by email, with an email sent to the email address reserved in bank, so you need to know whether you have received any relevant emails, and if so, make a reply as soon as possible.
多留意香港来电。如果电邮迟迟不回复，银行经理会以电话的方式作进一步通知。但若还是无法联系上户主，账户很有可能会被冻结。
Pay more attention to calls from Hong Kong. If the email receives no reply, the bank will give a further notice by call. In the case that the owner of the investigated account is still unable to be contacted, the account is likely to be frozen.
对调查资金做好业务凭证准备。对于银行的调查问题要作逐一的针对性回复，避免回复模糊不清。下图是汇丰银行对一客户的调查问题.
Keep evidence of current flow of funds under investigation. You are required to answer the questions from the bank one by one, without ambiguity. The below is a question list from HSBC to a customer.
如有较多合作方，可以用公司名称的命名方式对业务文件进行整理归纳，清晰明了，方便银行进行审查。
If there are many parties involved in the business, you’d better sort the related documents by naming them with involved company names, which is convenient for the bank to review.
如果有遇到不清楚或不明白的调查问题，可以通过回邮或电话的方式去询问，问清楚银行具体想要什么信息。千万不要吝啬问问题，不然提供的文件不符合银行的要求，也会被要求重新提交，延长审查时间，给账户带来不良影响。
If you cannot understand the questions well, you can inquire by mail or calling, and ask the bank what information it wants. Don't hesitate to show your doubts, otherwise you may be required to resubmit the documents if not provide them correctly, which will prolong the review time and cause adverse effects on your account.
另外，在调查过程中，不建议用账户收货款，且银行也会禁止入账。所以在这个阶段，客户可以考虑多开一个账户进行备用，避免真的因账户审核不通过导致被关户，资金无法使用。
Besides, during the investigation process, it is not recommended to use the account to receive payment, for that the bank will prohibit entry into the account. You can consider opening one more account for backup.
其实银行抽查也是常有的事，只要公司业务无太大问题，积极接受调查，就不会出现账户被关的情况。
In fact, being investigated by banks is not a rare thing. There won’t be a closed account as long as the company's business has no illegal problems and actively show cooperation to the investigation.
瀚客在处理离岸账户业务方面已有多年经验，如果你有相关需要，欢迎来咨询～
HACOS has years of experience in handling offshore account business. If you have relevant needs, welcome to consult us~
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