CNY - Handelsbanken

Report
September 2011
Bankkonto i Kina
- muligheder og udfordringer
Bank systemet i Kina
People’s Bank of China (PBOC)
• Centralbanken i Kina
• Formulerer og implementerer den monetære politik, opretholder finansiel stabilitet
• Tilvejebringer forskellige bankprodukter til fordel for økonomisk vækst og prisstabilitet i bank-sektoren.
China Banking Regulatory Commission (CBRC)
• Formulerer regler for bank-sektoren
• Udfører on-site kontrol i bankerne
• Varetager kundernes interesser, sørger for at opretholde markedernes tiltro til bank systemet
• Indsamler og offentliggør statistik omkring bankernes forretninger, volumer osv.
State Administration of Foreign Exchange (SAFE)
• Ansvarlig for overvågning og administration af FX-markedet i Kina
• Formulerer forslag til nye regler på området – og er ansvarlig for udbredelsen af disse regler
• Deltager aktivt i processen omkring konvertibiliteten af RMB
• Offentliggør statistik omkring valutareserverne, udl. investeringer, cross border betalinger m.v.
2
Bankkonti i Kina
Lokal valuta – CNY (eller Renminbi)
• Basic account (lønudbetalinger og kontanthåndtering)
• Ordinary/current account (daglige transaktioner)
• Loan account
• Loan repayment account
• Special account (benyttes ofte i forbindelse med myndigheds projekter)
• Pledge account (spærret konto pantsat til sikkerhed for specielle formål f.eks remburser, garantier osv.)
• Time deposit account (aftale indskud)
Foreign Currency
• Capital account (Anvendes til kapitalindskud fra udlandet)
• Temporary account (“Pre-operating expenses” – kan konverteres til kapitalindskud)
• Loan account
• Loan repayment account
• Foreign Debt account (lån indenfor “Foreign Debt Quota” der kan konverteres til RMB)
• Settlement/current account (daglige transaktioner)
• Pledge account (spærret konto pantsat til sikkerhed for specielle formål f.eks remburser, garantier osv.)
• Time deposit account (aftale indskud)
------------------------------------------------------------------------------------------------------------
Offshore Accounts i både fremmed valuta og CNY
•Settlement/current account (daglige transaktioner)
3
Dokumenter til brug for åbning af “capital account”
Documents
Signed by who
•
Board of directors +
authorized person +
company seal
•
Authorized person +
company seal
•
Company board of
directs
Account opening
form
开户申请表
•
Account opening form issued by Handelsbanken
General business
agreement
总协议
•
Handelsbanken’s account opening agreement
•
The board resolution stipulates who is authorized to (1) open the
account, i.e. signing relevant agreements (2) operate the account
and execute payments (3) sign the GlobalOn-Line agreement.
Handelsbanken will provide a board resolution template
•
The specimen signature cards are signature verification tools when •
executing payments. The person(s) appointed by the board resolution
to execute payments need to put their signature on the specimen
cards
Appointed persons from
the board resolution +
company seal
•
The test key is way of verifying scanned and faxed documents
from the company by using a code system
•
Authorized person
•
Handelsbanken’s account opening terms and conditions
•
No need to sign
•
During the physical account opening the legal representative need
to come in person. If the company wants to send someone else, an
authorization letter from the legal representative is needed.
Handelsbanken will provide a template
•
legal representative
+ company seal
Board resolution
template
董事会决议
Specimen signature
cards
印鉴卡
Test key contract
密押协议
Account opening –
Terms and
Conditions
帐户开立条款
Authorization letter
for account opening
开户授权书
Company basic
information form
对公单位基本
情况表
•
A short introduction of the company. Handelsbanken will
provide a template
•
Company seal
Foreign account
registration at SAFE
Shanghai
开户信息登记
(非上海客户)
•
Only required when the company is located outside
Shanghai. Handelsbanken will provide a form
•
Company seal
*According to account opening form
4
Explanation
Dokumenter til brug for åbning af “capital account”
Documents
Explanation
Articles of
association
公司章程
Business license
营业执照
Legal representative
code certificate
Certificate of
approval
•
The Chinese entity’s articles of association
•
Copy + company seal
•
The company business license. There are two original copies
of the business license, the original license and the
counterpart license
•
Two originals
together with copies
+ company seal
组织机构代码
证
•
The legal representative code certificate is issued by State
Bureau for Technology Supervision
•
Two originals
together with copies
+ company seal
批准证书
•
The Chinese entity’s certificate of approval
•
Original together with
copy + company seal
•
Passport copies for the board members signing the board
resolution, the legal representative, the authorized person in
the board resolution and Global Online users*. Chinese citizens
need to provide ID copies + signatures on the copies
•
Copy + company seal
•
Parent company certificate of incorporation
•
Copy + company seal
•
An approval from SAFE stored on the IC card, stating that
the company is allowed to open a capital account
•
Copy + company seal
•
Companies wishing to open foreign accounts need to apply
for a Foreign Exchange Registration Certificate Card (IC
Card) with SAFE
•
Original +Copy +
company seal
•
If the company is operating in a joint venture, a joint
venture contract is needed
•
Copy + company seal
Passport copies
护照复印件
Certificate of
incorporation
母公司营业执
照
Foreign account
approval by SAFE
外汇账户开立
核准件
Foreign exchange
Registration certificate
card (IC Card)
Joint venture
contract
外汇登记证IC
卡
合资合同
*If the company send someone else instead of the legal representative for the physical account opening, that persons passport copy is also
5
needed
Documents needed for opening
Dokumenter til brug for åbning af “CNY ordinary account”
Documents
Explanation
CNY account
opening form
开立单位银行
结算帐户申请
书
CNY settlement
account agreement
Account opening –
Terms and
Conditions
Board resolution
template
•
Application form for opening of CNY account issued by People’s
Bank of China, only available in Chinese
人民币结算帐
户管理协议
•
Agreement issued by People’s Bank of China, only available in
Chinese
帐户开立条款
•
Handelsbanken’s account opening terms and conditions
•
The board resolution stipulates who is authorized to (1) open the
account, i.e. signing relevant agreements (2) operate the account and•
execute payments (3) sign the GlobalOn-Line agreement.
Handelsbanken will provide a board resolution template
Company board of
directors
•
The specimen signature cards are signature verification tools when
executing payments. The person(s) appointed by the board
resolution to execute payments need to put their signature on the
specimen cards
•
Appointed persons from
the board resolution +
company seal
•
The test key is way of verifying scanned and faxed documents
from the company by using a code system
•
Authorized person
•
The legal representative and other financial staff need to
provide their contact details
•
Legal representative
or legal representative
seal + company seal
•
Unless the company is going to have a loan, a self declaration
is needed to why the company wishes to open a CNY account
•
Company seal
•
During the physical account opening the legal representative need
to come in person. If the company wants to send someone else, an
authorization letter from the legal representative is needed.
Handelsbanken will provide a template
•
Legal representative +
company seal
董事会决议
Specimen signature
cards
印鉴卡
Test key contract
密押协议
Legal representative
contact details form
法人及财务主
管联系电话
Self declaration form
开户证明文件
Authorization letter
for account opening
开户授权书
*Either company seal or financial seal plus signatures or personal seal for the appointed persons are accepted
6
Signed by who
•
Company seal
•
Authorized person or
legal representative +
company seal
•
No need to sign
Dokumenter til brug for åbning af “CNY account”
Documents
Explanation
Articles of association
公司章程
•
The Chinese entity’s articles of association
CNY basic account
certificate
开户许可证
•
The company’s basic account CNY certificate issued by
PBOC
•
Business license
营业执照
The company business license. There are two original
copies of the business license, the original license and the
counterpart license
Legal representative
code certificate
组织机构代码
证
•
The legal representative code certificate is issued by
State Bureau for Technology Supervision
•
Passport copies for the board members signing the board
resolution, the legal representative, the authorized person in
the board resolution and Global Online users*, are needed.
Chinese citizens need to provide ID copies + signatures on the
copies
Passport copies
护照复印件
Certificate of
approval
批准证书
Tax certificate
税务登记证
Loan card
贷款卡
Capital verification
report
验资报告
•
•
Copy + company
seal
•
Original together
with a copy +
company seal
•
Two originals
together with copies
+ company seal
•
Two originals
together with copies
+ company seal
•
Copy + company
seal
•
Original together with
copy + company seal
•
Two originals
together with copies
+ company seal
•
The Chinese entity’s certificate of approval
•
The Chinese entity’s tax certificate issued by the tax
authorities
•
All companies in China wishing to take bank loans need to
apply for a loan card at their local PBOC
•
Copy + company
seal
The capital verification report is a legal proof of the
company’s capital contribution and is annually reviewed and
issued by the company’s auditor
•
Copy + company seal
*If the company send someone else instead of the legal representative for the physical account opening, that persons passport copy or ID is also needed
7
Documents needed for opening
Vigtige “Cards” fra myndighederne
• Loan Card
• ansøges om hos PBOC
• uden kort … ingen lån, garantier osv.
• E-Port Card
• ansøges om hos toldmyndighederne
• benyttes til tolddeklarering af varer
• Anvendes af bankerne til at tjekke om virksomheden har kvota nok
for skyld / tilgodehavender i udlandet ved cross border betalinger
• IC Card
• ansøges om hos SAFE
• benyttes når der skal omveksles fremmed valuta til RMB
8
Rentesatser i Kina
- fastsættes af Peoples Bank of China
Juli 2011
RMB Lån
Satser
< 6 måneder
6,10%
6 – 12 måneder
6,56 %
3,50 %
1 – 3 år
6,65 %
2 år
4,40 %
3 – 5 år
6,90 %
3 år
5,00 %
5 år
5,50 %
> 5 år
7,05 %
RMB indlån
Satser
Anfordring
0,5 %
3 måneder
3,10 %
6 måneder
3,30 %
1 år
Rentesatser for indlån i fremmed valuta er ikke reguleret, når modværdien
overstiger USD 3 mio.
9
Den kinesiske valuta
CNY
• Officielle ISO møntkode
• Anvendes indenlandsk i Kina – altså ved ”on shore” transaktioner
• Anvendes i forbindelse med handelsrelaterede transaktioner både ind- og udland
CNH
• Ikke en officiel møntkode
• Anvendes udenfor Kina – altså ”off shore” transaktioner
• Kan anvendes til alle typer af transaktioner
RMB
• Renminbi – ”Peoples Money”
• Kontanter
10
Betalinger i Kina
Kontanter og
kreditkort
Veksler
Checks og
credit notes
Bank-clearing
Intra City Clearing
House
Demand
Draft
“Big Four”
Clearing
Commercial
Draft
China National Advance
Payment System
“CNAPS”
Commercial
Acceptance
Draft
Supply Chain
Finance
11
Bankers
Acceptance
Draft (BAD)
HVPS
Remburser i CNY
BEPS
CNY / CNH
Cross border
betalinger
Kan man det – og hvordan ?
 Kan man kun have indenlandsk samhandel i Kina i CNY ?
 Kan man lave lokale betalinger fra en konto i Shanghai – når selskabet er i Beijing ?
 Kan man lave cross border betalinger fra en konto i Shanghai, når selskabet er i Beijing?
 Kan man overføre USD eller EUR internt i Kina ?
 Kan man lave betalinger fra en konto i Kina – når man sidder i Danmark ?
 Kan man underskrive kontooprettelse- og/eller lånedokumenter i Danmark ?
 Kan man …
12
Hvor er Handelsbanken i Greater China ?
Beijing
•Rep. kontor
•3 ansatte
• Repræsenteret i Beijing siden 1982
Shanghai
•Bank filial
•23 ansatte
• Bankfilial i Shanghai siden 2005
• Første nordiske bank med CNY licens
• Første nordiske bank med i den nationale clearing
Hong Kong
•Bank filial
•26 ansatte
• Første nordiske bank, der udsteder obligationer i Kina
• Første nordiske bank, der gennemfører betalinger ind og ud af Kina i CNY
13
Taipei
•Rep.kontor
•1 ansat
Hvad kan Handelsbanken i Greater China ?
14
•
CNY driftskonti
•
Finansiering i lokal og udenlandsk valuta
•
Leasing af biler og produktionsudstyr
•
Diskontering af Bankers Acceptance Draft – ”BAD”
•
Aftaleindskud i CNY og fremmed valuta – samt Entrustments Loans
•
Garantier i CNY – Performance, Bid Bond, Warranty, Advance payment m.v.
•
Terminskontrakter i CNY
•
E-banking system – Handelsbanken GlobalOn-Line
• Konto informationer i realtid (gælder for alle Handelsbankens afd.)
• Indenlandske og crossborder betalinger (gælder for alle Handelsbankens afd.)
•
Trade Finance
• Letters of Credit, Import/export, Collections mv.
Global On-line
– Hanadelsbankens globale cash managementsystem
15

Online kontoinformation for
alle konti i Handelsbanken
samt konti i øvrige banker

Transaktionsinformationer

Lokale betalinger

Cross border betalinger

Koncerninterne overførsler
valør samme dag

Download af
kontoinformationer

Integration til ERP system

Elektronisk
fuldmagtssystem

Autorisere betalinger
uanset hvor du befinder dig

ONE BANK
– ONE SOLUTION
Erhvervsafdelingen i Handelsbanken Shanghai
Catherine Gao
Irene Wu
Deputy Branch
Manager
Head of Financial
Institutions
Speaks
 Swedish
 English
 Mandarin
Speaks
 Mandarin
 English
Speaks
 Mandarin
 English
Speaks
 Swedish
 English
 Mandarin
Speaks
 Swedish
 English
Speaks
 Mandarin
 English
Speaks
 Mandarin
 English
Contact details
Contact details
Contact details
Contact details
Contact details
Contact details
Contact details
Johan Andrén
General Manager
Joakim Hedhill
Camilla Sjöberg
Jessica Liao
Tina Jin
Account Manager
Account Manager
Assistant
Assistant
Team member
Language
Contact
details
16
 Telephone:
 Telephone:
 Telephone:
 Telephone:
 Telephone:
 Telephone:
 Telephone:
+86 21 6329 8877
+86 21 6329 8877
+86 21 6329 8877
+86 21 6329 8877
+86 21 6329 8877
+86 21 6329 8877
+86 21 6329 8877
 e-mail: tiji01@
 e-mail: joan04@  e-mail: caga04@  e-mail: irwu01@  e-mail: johe20@  e-mail: catj01@
 e-mail: jeli17@
handelsbanken.se
handelsbanken.se
handelsbanken.se
handelsbanken.se
handelsbanken.se
handelsbanken.se
handelsbanken.se
Looking forward to welcome you in Handelsbanken Shanghai
Mrs. Irene Wu
Senior Relationship Manager and Head of Financial Institutions
Email: [email protected]
Tlf.: +86 21 632 98877 lokal. 858
Visiting address:
Handelsbanken Shanghai branch
Room 2005 Henderson Metropolitan Building
No. 155, Tianjin Road
Huangpu District
Shanghai 200001, China
17

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