关于对中国企业银行账户实施更严格的规定。公司账户持有人或企业家必须注意银行验证电话和电子邮件。因为银行将通过电话、电子邮件或现场访问与您联系,日常错过电话似乎问题不大,但如果您错过了银行打来的电话,您可能会遇到麻烦,您在中国的公司银行账户有可能会被冻结。
您应该为通话做哪些准备?
为了保持您的公司银行账户正常运行。我们建议您推荐公司账户持有人熟悉公司注册信息,例如:正式的公司全名、公司税号、主要业务范围、最近的银行账户交易是什么以及法定代表人的信息。另外,将银行联系电话号码保存在手机电话簿中有助于识别来电者。
如何知道银行是否冻结了您的公司账户?
无法通过电子银行或移动应用程序登录到您的账户
无法接收或转移资金
无法转移资金
公司银行帐户被冻结该怎么办?
公司应始终保证银行账户的合法,正式和真实运作;根据公司在开户期间向银行报告的活动,公司不能使用公司账户代表他人结帐或接收款项。
当发现您的账户不能使用时,请您立即与银行联系。根据要求提供所有相关的业务运营信息以申请解冻。银行可能会要求提供最近的发票,业务费用,办公室租赁合同,最新的经审计的报告,公司社会保险或任何运输单据(包括航空费用)。这些文件必须是可证明银行交易与您的公司业务有关。
如果我想开一个新的公司银行账户怎么办?
对有关公司银行帐户开立的新规定,银行职员需要安排一次客户尽职调查,您需要提供以下信息:
租赁合同或场地证明书(包括权属证明书)
最近一个月的水电费账单或租金收据
营业执照的正本、公章、财务印章和法人专用印章。
法人需要出示身份证原件及公司相关证件。
法人亲自到银行进行业务面试。
最后,如果不是租赁,一旦银行接受了您的申请,银行职员不仅会安排现场检查,还会检查您的办公室、办公室的大小、员工人数、业务设备、营业执照和公司门牌,以确保所有内容都是真实的。
如想了解更多信息,请与我们联系。
您可能想要了解:哦,我的上帝!我的商业银行帐户已关闭!
CHINA ENFORCE A STRICTER RULE ON THE AUDIT OF CORPORATE BANK ACCOUNT – PART 1
What is happening in China’s Corporate Bank Account?
In order to combat network criminal activities in China’s Corporate Bank Account such as telecommunications fraud and money laundering. Therefore, the People’s Bank of China has recently upgraded its supervision system.
On the whole, the China corporate bank account holder should pay attention to the verification call or email from your corporate bank. However, if you are refusing to answer or unable to answer the call or to reply their email. It’s likely that the bank will put you under the un-reachable contact list. Probably the bank will freeze your company bank account. In fact, thousands of bank account were frozen due to unable to contact the bank account user.
Bank undergoes a strict investigation to the corporate accounts
Banks are strictly monitoring to the customer identification and daily financial transaction. The investigations are focusing on below areas:
- Opening the account in difference countries
- Dormant with no activities
- Inability to contact
- Huge capital transition
- Frequent night transactions
- Suspicious account with unusual operations
- The control measures activities including
- Allow money inflow only, but no outflow;
- No money inflow nor outflow;
- Online banking activities amount overload
Furthermore, companies may fall into the focus list with the following conditions
- Same owner has multiple enterprises, bank accounts and multiple company licenses in a single site.
- The business registered address is “Independent declaration, domicile declaration”
- 3-Non person: No China
- ID, No residence permit and No social security identity.
- The age of the corporate legal representative the initial bank account opening for company is too old or too young. (Below 25 or over 65 years old)
- The address on ID card is a remote rural area in China, the mobile phone number is from difference city, and the company name is quirky.
For further information, please contact us.
You may want to read: HONG KONG MONETARY AUTHORITY HONG KONG BANK ACCOUNT OPENING
NEW RULE ON CHINA CORPORATE BANK ACCOUNT – PART 2
Regarding to the stricter rule imposes on the corporate bank account in China. The corporate account holder or business owner have to pay attention to the bank verification calls and emails. As the bank will contact you by phone, email or on-site visits. Missing a phone call seems not a big deal. However, if you missed that call from bank. you may get into trouble and have your company bank account in China frozen up.
What should you prepare for the call?
In order to keep your corporate bank account function properly. We would like to recommend the company account holder to be familiar with the company registration information. For example, the official company full name, company tax number, main business scope, what are the recent bank account transactions and information of the legal representative. Also, saving the bank contact number on your mobile phone book will help identifying the incoming calls.
How to know if the bank freeze up your company account?
- Not able to log into your account via e-banking or mobile apps
- Unable to receive or transferring funds
- Unable to transfer funds
What to do when the company bank account is frozen?
Undoubtedly, the company should always guarantee the bank account is operating legally, formally and truthfully; accordingly to the activities that the company reported to the bank during the setup of account. The company should not be settling payment or receiving payments on behalf of others using the corporate account.
As soon as you found out the account is no longer activate, please reach out to your bank branch immediately. Provide all relevant business operation information as per requested to apply for unfreezing. Banks are likely to ask for recent invoices, business expenses, office lease contracts, latest audited report, company social insurance or any shipping documents including airway bills. These documents has to be able to proof the bank transactions are your company business related.
What to do if I prefer to open a new company bank account?
In particular to the new regulation on company bank account opening. The bank officer will need to arrange a Customer Due Diligent (CDD) check on you. You need to provide information including the below:
- Lease contract or site certificate (including the ownership certificate)
- Latest month utility bill or rental receipt
- The original business license, official seal, financial seal and the private seal of the legal person.
- The legal person needs to present the original ID card and company-related documents.
- Legal person to visit the bank in person for the business interview.
Last but not the lease, once the bank accepted your application. The bank officer will not only arrange an on-site inspect your office, but also checking the size of office, number of staff, business equipments, business licenses and company door signs to ensure everything is true and real.
For further information, please contact us.
You may want to read: OH MY GOD! MY BUSINESS BANK ACCOUNT IS CLOSED!
Step by step for WFO E-Commerce Business Setup in China
What is a WFO E-commerce Business ?
WFO E-commerce business stands for Wholly Foreign Owned E-commerce business. Either a foreign individual or corporate wholly owned and registered entity in China. In fact, WFOE is a common business setup by which non-Chinese nationals or non-Chinese corporate entities, when they need to incorporate a foreign-owned limited liability company in Mainland China. Indeed, many more expats are looking into the China consumer market for the past 2 years. Admittedly, comparing with a traditional retail shop business, it is much more cost effective and easier to manage when it is a e-commerce based. Additionally, with all the travel limits, e-commerce business allows owners to be running the business in any part of the world.
In 2020, Singles Day shopping topped a new record of RMB498.3 billion of sales in 1 day. A huge increase from last year, with reasons to the pandemic, more consumers are familiar with shopping online as well as the special offers and bargain you get from the online shops. During the sales event’s peak period, there are around 583,000 orders placed each seconds. Furthermore, from Midnight onwards there were hundreds of millions of shoppers logging on to the receive extra discounts.
How to setup a WFO E-commerce Business in China?
Recently, many of our clients are asking how they can setup a e-commerce business. They noticed many e-commerce are setup via platforms like Taobao and Alibaba. Business owners also need to setup a China payment gateway accounts to cater the Chinese market. Herein below, we are listing out the steps for setup process on a Wholly Foreign Owned Enterprise
- Check Company Name if usable or not
- Check and sign agreement to lease office space
- Translation of director / Shareholder names with notarised by CHINA APPROVED PUBLIC NATARY
- Incorporation (Obtain the 5-in-1 business license)
- Company Bank Account Opening
- Personal Bank Account Opening
- Setup WECHAT China Company Account
- Register for Website displayed publicly in China with the China WFOE Certificate.
- Register for Taobao, Alibaba, JD, etc…
For further information, please contact us.
You may want to read: WHAT IS THE REQUIREMENT FOR A WFOE REGISTERED OFFICE?
IS YOUR PROFESSIONAL COMPANY SECRETARY A QUALIFIED ONE?
According to Section 154 of Hong Kong Company Ordinance, every company must appoint a Company Secretary. Along with this article, you can see the importance of a company secretary for every Limited Companies in Hong Kong. In fact, many of the Limited Companies do not know if they have hired a QUALIFIED professional company secretary to help handle documents and work with Company registry on their behalf.
Owing to the change of name of “The Institute of Chartered Secretaries and Administrators” to “The Chartered Governance Institute”. To clarify, the Company Registry have an updated information related PROFESSIONAL COMPANY SECRETARY listed in details.
Who is Qualified Professional Company Secretary?
A professional company secretary practicing in Hong Kong means a member of Hong Kong Institute of Chartered Secretaries (HKICS) and The Chartered Governance Institute (CGI). Company secretary must be holding the professional designations of FCG* / FCIS*, FCS* or ACG* / ACIS*, ACS*.
Nevertheless, since 2018, all company secretaries services providers are required to have a Trust or Company Service Providers License ( TCSP).
What does a Company Secretary do?
Generally, a company secretary will provide below services:
- Communication with the Company Registry on Company’s behalf
- Draw up & keep Statutory Records related to Company Structure
- Prepare & submit application for Business Registration Certificate
- Put together & Submit Share allotment documents
- Arrange Minutes and Resolutions for Directors & Shareholders
- Filing with the Company Registry
Besides, Company Secretary is responsible for:
- Obtaining prior approval from the Registrar of Companies (“the Registrar”) to become the TCSP licensee’s ultimate owner, partner or director
- Reporting changes in particulars to the Registrar
- Reporting cessation of business to the Registrar
- Complying with other ongoing obligations of a TCSP licensee, including the statutory requirements relating to customer due diligence and record-keeping.
How does a company secretary charge their fees?
There is a company secretarial service fee applied, together with a client due diligence and on-going monitoring checking fee per year. Here at Centre O, this yearly cost covers unlimited changes of the company structure, changes of directors and shareholders or related members information. Unless the company is changing persons or company within, there will be a client due diligence and on-going monitoring fee chargeable to the new director, shareholder or entity.
For further information, please contact us.
You may want to read: COMPANY SECRETARIAL SERVICES FOR A HONG KONG LIMITED BUSINESS
CHINA INVOICING SYSTEM WITH ELECTRONIC FAPIAO
What is Fapiao?
Other than invoice, fapiao is a legal receipt that serves as proof of purchase for goods and services. Nevertheless, it is an essential component of China’s tax law, and compliance for businesses.
Development of Digitalized Fapiao
July 2019
The State Administration of Taxation announced the preparation of Digitalised platform
October 2019
Launched online platform naming E-VAT
November 2019
The State Council proposed the E-VAT will be launched by the end of 2020, while the Tax department is promoting and providing training classes and seminars on how to register, access and use the platform for business operations.
March 2020
Confirmation that both paper and E-VAT have the same legal status for tax filing. While using the E-VAT system will allow companies to avoid needing to send the original hardcopy to their clients and running to the local tax office, while they only need to keep digital copy of the document.
July 2020
The State Council announced the E-VAT will be widely use throughout China from end of 2020.
At the same time, Shanghai Tax Bureau took Shanghai, Jiangsu, Zhejiang, Ningbo and Anhui district as a pilot region to roll out the public use of the E-VAT platform.
September 2020
Ningbo piloted the first E-VAT platform in selected area
Benefits of Electronic Fapiao to Enterprises
Enterprises do not need to go to the local tax office in person for fapiao related processes. For example, application for paper fapiao or validating VAT fapiao. Besides, entrepreneurs can also save financial resources by not purchasing special printing and scanning machines. In terms of accounting, enterprises can save time and lessen the workload by using a paperless invoicing system.
In conclusion, the advantages of E-Fapiao, we can summarised as below:
- Better Record Keeping & Controlling
- Centralized Information Platform
- Application logistic & Processing Advancement
- Technology Advancement & Connecting to ERP system
For further information, please contact us.
You may want to read: CHINA TAXATION VS HONG KONG TAXATION FOR FOREIGN INVESTORS
MANAGING YOUR INVENTORY AND ACCOUNTING WORK
Measuring inventory accurately is essential to a success business operation. Without keeping an accurate record, you risk upsetting your customers as well as increasing the cost of carrying more products then your customers need. Ultimately, you will suffer from losing profit. On the other hand, when the goods records are well kept with true accuracy, it contributes to visibility, allowing managers to understand data trends and forecast future demand.
Maintain Ideal Stock Level
Accurate and update inventory records can inform you when you need to order new items. When under-stocked, you may not have enough products to send to customers. Meanwhile, if you overstock, your warehouse might be overcrowded, leading to disorganisation. In some cases, overstocking perishable items can lead to waste. Failure to properly track your stock could eliminate any earnings your business would have made from this business transaction. Analysing inventory records over a length of time can help you track trends to predict what items typically sell faster than others.
Improve Customer Satisfaction
Lack of accuracy inventory record, it can create chaos. The chaos may create a snowball effect on client orders. Customers expect a certain level of service when they place an order. If you fail to meet clients’ expectations or do not have enough inventory to deliver. This is not only upsetting customer, but have a negative effect on the relationship. Probably this may cause customers to pull future orders. In addition, unsatisfied customers may spread negative message with their peers. Therefore, if you have an accuracy stock record, you can keep high customer satisfaction.
Improve Employee Satisfaction
keeping an accurate inventory record may allow your staff to devote more time to other areas. Working with inaccurate records can be time-consuming, but accurate records means your staff can work on improving certain aspects of the status-quo inventory process to improve productivity and efficiency in new ways.
Inaccurate Accounting Reporting
Businesses do not update their Balance Sheets and Profit and Loss reports may fall behind in reporting their financial operations. Having a outdated inventory information, it results in incorrect stock cost values and inaccurate profit reporting.
How to Prevent Inaccurate Inventory in your Accounting Reporting?
To ensure your business’ inventory is accurate and up-to-date. You might need to adapt a tracking practice. For example, you can simply use a excel file with 3 separate pages to book: Purchase record, Opening record and Sales record. Then you need to record every transaction manually. And deduct the number of sales from opening balance + purchase. Then you will get the accurate inventory balance.
If the calculation is still confusing you. Please engage us for your accounting work, we’ll guide you through the whole process.
For further information, please contact us.
You may want to read: CHECKLIST FOR ACCOUNTING AND AUDITING IN HONG KONG
KNOW-YOUR-CUSTOMER QUESTIONNAIRE REQUEST BY YOUR COMPANY BANK ACCOUNT
Recently many Chinese Clients holding a Hong Kong Limited were enquiring about their company bank accounts. Banks has been asking to fill out KNOW-YOUR-CUSTOMER (KYC) questionnaires or even informing them that their accounts will be frozen up or closed down within next few months.
These Chinese Clients came panic and asking what do they need to do. At this moment, with all the travel limitations, it is very difficult to travel to Hong Kong to meet bank officer and sort the problem out. Here, we would like to list out the few reasons why banks are asking for all there.
1/ New Compliance
Since 1st March 2018. Company Registry (CR) come out with new compliance enforces Anti-Money Laundry and Counter-Terrorist Financing. Banks required to know their clients’ transactions with much more details.
2/ Inland Revenue Department Rules
Many of them been fling zero on Profit Tax Returns. However, these companies actually are active with bank transactions. Which the Hong Kong Inland Revenue Department Rules require them to arrange yearly accounting and auditing by Certified Public Accountants.
3/ Misunderstood of “Offshore Company”
Companies sometimes misunderstood that they are off-shore (from Hong Kong) companies. As all their business activities are outside Hong Kong. Therefore, they thought being offshore means nothing needed to be reported or to arrange any accounting and auditing work.
Hong Kong IRD stated that any offshore companies need to arrange accounting and auditing every 12 months together with submitting Audit Reports.
4/ Role of Company Secretary
Your appointed Company Secretaries did not aware of the significant controller registry or even file annual return to Company Registry of HK on timely manner.
So, if you have the same issue, please contact us ASAP.
You may want to read: WHAT IS KYC ( KNOW YOUR CUSTOMER) ?
HONG KONG ENTREPRENEURS’ TAX REPORTING DURING PANDEMIC
The Organisation for Economic Co-Operation and Development (OECD) published an analysis entitled “OECD” Secretariat Analysis of Tax Treaty and the Impact of the COVID-19 Crisis”. (OECD Analysis). The OECD Analysis provides guidance on cross-border tax issues arising from the COVID-19 pandemic. The analysis mentioned the lead to creation of PERMANENT ESTABLISHMENT or change in the tax residence status. Due to the government implementation of various quarantine measures and travel restriction.
FAQ about Tax Treaty implementation during Pandemic
Question 1
During the pandemic, my employees are working from home. Can I define HOME OFFICE as a PERMANENT ESTABLISHMENT in the tax treaty?
Answer:
No, it is not a PERMANENT ESTABLISHMENT in the tax treaty. Working from home is an Exceptional and Temporary Change of the location where employees exercise their employment because of the Pandemic.
Question 2:
During the pandemic, an employee has to work from home temporarily. In fact, the employee is working for an overseas enterprise with an official employment contract. The home office located in Hong Kong, China. And the employee is exercising the employment such as concluding contracts with trading partners. Is it a PERMANENT ESTABLISHMENT in the tax treaty?
Answer:
No, it is not a PERMANENT ESTABLISHMENT. Employees working temporarily from home and concluding contracts in their home jurisdictions on behalf of their foreign employers for short period of time. Rather than as the normal routine because of government directives are unlikely to be regarded as Habitually concludes contracts on behalf of the enterprise”. Therefore, it should not create Permanent Establish for the enterprises.
Question 3:
For construction sites that have been temporarily suspended due to the pandemic. Not due to a shortage of material or labour. The construction project is overrun. When calculating the duration of the project. Can I deduct the suspension days from the total project day for a PERMANENT ESTABLISHMENT in the tax treaty?
Answer:
The construction sites suspended due to the pandemic and caused project overrun. The number of days of the overrun can deduct from the number of project completion day. So, it is not a PERMANENT ESTABLISHMENT.
However, the period of temporary interruption of activities on a construction site. Due to shortage of labour or material. In that scenario, the suspension needs to include in a PERMANENT ESTABLISHMENT.
Question 4:
During the pandemic, there is a change in location of decision making from top management. Does it affect the place of effective management and make change of the resident status?
Answer:
Temporary relocation or inability to travel of chief executive officers or other top management officers of an entity. This should not trigger a change in the tax residency of the entity under a tax treaty or create the issue of dual residency.
Question 5:
During the pandemic, it caused changes in the places of residence of some people. It may appear that they constitute resident individuals under the respective tax laws of the parties to the tax treaty. How to solve this dual resident personal status problem?
Answer:
A temporary dislocation of an individual by reason of the pandemic will unlikely the individual’s tax residency when the tie-breaker rules for dual residency in tax treaty are applied.
For further information, please contact us.
You may want to read: INLAND REVENUE DEPARTMENT – TAX AUDIT & INVESTIGATION
银行的客户尽职调查
近年来,许多在香港开办公司的大陆客户会被审查他们的银行账户。银行方面会要求填写客户身份识别和尽职调查(KYC),如果没有按规定完成调查,您的银行账户可能会在几个月内被冻结甚至被关闭。
大陆客户可能会在第一次收到通知时感到有点手足无措,为什么银行一定要进行客户调查呢?在这里我们总结了的几个原因。
1 /新政策
自2018年3月1日起,公司注册处(CR)出台新政策来加大打击洗黑钱及反对恐怖分子融资的力度,银行需要知道他们的客户交易的相关细节。
2 /税务局规定
许多人会在利得税申报的时候零申报,然而实际上他们银行账户中的交易十分活跃。他们要根据税局规定完成每年记账并审计。
3 /对“离岸公司”的误解
有时候一些公司错误理解他们是香港离岸公司,因为有些人认为他们的商业活动都不在香港,不需要每年做审计。
香港税务局表示,任何离岸公司都需要每12个月做一次会计和审计,并提交审计报告。
4 /公司秘书的角色
聘请回来的公司秘书没有完成控制人登记甚至没有及时向香港公司注册处提交年度申报表。
如果您遇到相同的问题,请尽快与我们联系。
您可能想要了解:什么是 KYC(了解您的客户)?