How Chinese-Canadian Entrepreneurs Can Manage Assets in Mainland China
随着越来越多华人企业家移民加拿大，一个常见的问题是：如何合法、高效地管理或处置他们在中国大陆的资产？
As more Chinese entrepreneurs immigrate to Canada, a common concern arises: how can they legally and efficiently manage or dispose of their assets located in mainland China?
一、常见的中国境内资产类型
Common Types of Assets in Mainland China
• 房地产（住宅、商业用地）
Real Estate (residential, commercial)
• 公司股权
Equity in privately held companies
• 银行存款与理财产品
Bank deposits and investment products
• 知识产权、专利、商标
Intellectual Property: patents, trademarks
• 家族企业或合作项目权益
Interests in family businesses or joint ventures
二、加拿大税务居民在中国资产处理上的法律风险
Legal & Tax Risks for Canadian Tax Residents Managing Chinese Assets
一旦成为加拿大税务居民，您在全球的资产和收入都需向加拿大税局（CRA）申报。
Once you become a Canadian tax resident, you’re required to report your worldwide income and assets to the Canada Revenue Agency (CRA).
主要风险包括：
Key risks include:
• 未申报海外资产：如未申报中国资产，可能面临高额罚款
Failure to report foreign assets may lead to heavy penalties
• 双重征税问题：中加虽有税收协定，但仍可能出现重复征税
Double taxation, despite tax treaties between China and Canada
• 资金汇出限制：中国的资本管制对汇款有严格限制
Capital control issues when transferring funds out of China
三、如何合法合规地处理境内资产？
How to Legally & Compliantly Handle Mainland Assets?
1. 提前税务规划
Tax Planning Before or After Immigration
• 咨询加拿大税务律师和中国本地税务顾问
Consult Canadian and Chinese tax professionals
• 考虑在移民前完成部分资产转移或重组
Consider restructuring or disposing of assets before immigration
2. 设立家族信托或离岸架构
Use of Family Trusts or Offshore Structures
• 可用于分散风险、合理避税
May help in risk management and tax optimization
• 但需谨慎操作，避免“反避税”条款适用
But must comply with anti-avoidance rules in Canada
3. 合规申报（T1135 表格）
Foreign Asset Disclosure (Form T1135 in Canada)
• 加拿大税务居民若持有超过 $100,000 加元的海外资产，必须申报 T1135
Required if foreign assets exceed CAD $100,000
• 包括房产、股票、账户、信托等
Covers property, shares, bank accounts, trusts, etc.
4. 合理安排资金汇出
Arranging Fund Transfers Legally
• 利用年度个人汇出额度（$5万美元/人）
Use the annual USD $50,000 personal remittance quota
• 考虑通过海外家族成员分批操作
Consider staggered transfers via family members
• 也可通过“资产出售+商业目的”路径进行汇出审批
Possible to apply for foreign exchange approval via asset sales with legitimate business purposes
四、律师建议
Legal Advice from Counsel
每位客户的税务与资产状况都不同，建议在移民前后都进行一次专业的“中加税务资产体检”。
Every client’s situation is unique. We strongly recommend conducting a cross-border asset and tax health check before and after immigration
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