十年前，去香港开一个公司户，几乎不用提供什么资料。但近年来，不少人发现，无资料审核的时代已经远去了。现在香港银行对于开户审核是越来越严格，资料也是成堆成叠地提交。
Ten years ago, quite few documents were required when opening a company account in Hong Kong. But in recent years, many people have found that the era of no information verification has long gone. Now HK banks are becoming more and more strict with account opening, and documents are required to be submitted in piles.
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.
所以，和十年前甚至是五年前相比，现在开户的程序确实复杂了，所需要的时间也相对延长。
Therefore, compared with ten or even five years ago, the procedure for opening an account is indeed more complicated and the time required is relatively longer.
为了阻止银行和储值支付工具体系被利用，也为了彰显银行和储值支付工具持牌人必须设立与风险相符的打击洗钱及恐怖分子资金筹集制度的重要性, 打击洗钱、恐怖分子资金筹集活动十分有必要。
In order to prevent banks and SVF systems from being exploited, as well as to highlight the importance of banks and SVF having a risk-appropriate system which against money laundering and terrorist financing, it is very necessary to combat those illegal activities.
金管局有权对违规的认可机构和储值支付工具持牌人采取纪律处分措施，如纠正命令、罚款和公开谴责。
The HKMA has the power to take disciplinary measures such as corrective orders, fines and public reprimands against non-compliant authorized institutions and SVF licensees.
近年来就有多家银行被监管部门查到违反反洗钱条例，罚处了巨额罚款。所以银行为了合规运营，也只能严格审查自家客户啦。
Recently, quite a lot of banks were found by regulatory authorities to violate anti-money laundering regulations and imposed huge fines. Therefore, in order to operate in compliance with regulations, banks must strictly examine their own clients.
如果有兴趣了解有哪些被惩处的银行，可以复制以下网址至浏览器浏览。
If you are interested in knowing the punished institutions, go to the following URL.
https://www.hkma.gov.hk/gb_chi/key-functions/banking/anti-money-laundering-and-counter-financing-of-terrorism/disciplinary-actions/
大部分香港银行对对公账户申请人的资质审查会尤其严格，特别是业务文件、对公流水等，但究其根本无非是看资金流、物流、票据流是否形成三流合一。
Most HK banks are particularly strict on the qualification review of applicants for corporate accounts, especially their business documents, public flow, etc. with the aim of checking whether the flow of funds, logistics and bills is consistent with each other.
以一家出口公司为例，银行会审查申请人是否可以提供和同一套客户做交易的销售合同/销售pi+销售提单/运单+对应的收款水单以及采购合同+对应的支付水单；过往是否是通过香港公账/大陆公账进行生意款进出等等。
Taking an export company as an example, the bank may examine whether the applicant can provide a sales contract/proforma invoice + sales bill of lading/waybill + corresponding receipt statement, along with purchase contract + corresponding payment statement for transactions with the same set of customers; And whether the business funds in and out under a HK company account or mainland company account.
以上这些对于正规流程生意的客户提供并不困难。如果过往不是通过以上的方式做贸易生意，建议可以选择开户审核相对宽松的银行。
Of course it is not difficult to provide those documents if your business is of formal process. However, if not, it is recommended to choose a bank with relatively loose requirements on account opening.
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