日照银行境外来华人员开户业务服务指南BANKOFRIZHAO Account opening Service Guide for overseas personnel coming to China

发布时间：2024-03-15 15:35

　　为便利境外来华人员办理银行账户开户业务，特制定本业务服务指南。

　　This service guide has been developed in order to facilitate the overseas personnel banking account procedures for overseas personnel coming to China.

　　开户所需材料

　　Documents Required for Opening Account

　　1.本人有效身份证件

　　Valid Personal Identification document

　　2.《个人税收居民身份声明文件》(声明为中国税收居民的，需提供中国税收居民身份证明材料，持有外国人永久居留身份证、港澳台居民居住证的境外来华人员办理的开户业务，可不要求提供其他中国税收居民身份证明材料)

　　《Declaration of Personal Tax Resident Identity》(For those who declare themselves as Chinese tax residents, proof of Chinese tax resident identification documents is requried. For overseas personnel coming to China who hold foreign permanent residence identity cards or Hong Kong, Macau and Taiwan resident residence cards to handle account opening business in China, there is no requirement on other proof of Chinese tax resident identification materials.)

　　开户业务有效身份证件

　　Valid ID for Bank Account Business

　　1.香港、澳门特别行政区居民为港澳居民来往内地通行证或港澳居民居住证；

　　For residents of the Hong Kong and Macau Special Administrative Regions,are required to provide either the Mainland Travel Permit for Hong Kong and Macau Residents or the Residence Permit for Hong Kong and Macau Residents;

　　2.台湾地区居民为台湾居民来往大陆通行证或台湾居民居住证；

　　Residents of Taiwan are required to provide either the Mainland Travel Permit for Taiwan Residents or the Residence Permit for Taiwan Residents;

　　3.外国公民为护照或外国人永久居留身份证（外国边民，按照边贸结算的有关规定办理）。

　　Foreign citizens are required to provide either a passport or a Foreign Permanent Resident(Identity)Card. (For foreign border residents,applicable documents should be conducted in accordance with relevant regulations for border trade settlement.

　　中国税收居民判断标准

　　Criteria for determining Chinese tax residents

　　中国税收居民是指在中国境内有住所，或者无住所而在境内居住满一年的个人。在中国境内有住所是指因户籍、家庭、经济利益关系而在中国境内习惯性居住。在境内居住满一年，是指在一个纳税年度中在中国境内居住365日。临时离境的，不扣减日数。临时离境，是指在一个纳税年度中一次不超过30日或者多次累计不超过90日的离境。

　　Chinese tax residents are those individuals who have domicile in China, or without domicile but have resided for one year or more in China. Domicile in China refers to habitual residence due to domiciliary registration, family ties or economic interests. Residence for one year means to have resided within the territory of china foe 365 days in a taxable year. No deduction for days of temporary departure on calculation of residence days. Temporary departure means a single trip not exceeding 30 days or accumulated multiple trips not exceeding 90 days in a taxable year.

　　中国税收居民税收身份证明材料

　　Proof of tax status of Chinese tax residents

　　税务部门向个人出具的《中国税收居民身份证明》；中华人民共和国居民身份证；外国人永久居留身份证；港澳居民居住证；台湾居民居住证；个人在中国境内居住满183天的证明材料等。满足其一即可。

　　It is considered valid if one of the following conditions is met:

　　Certificate of Chinese Tax Resident issued to the individual by the tax authorities;Resident ID Card of the People's Republic of China;Foreign Permanent Resident ID Card;Hong Kong and Macau Resident Permit;Taiwan Resident Permit;Documents proving that the individual has lived in China for 183 days.

　　说明：我行会在满足您合理需求的前提下，与您约定账户功能和限额，后期根据您的使用情况和实际业务需求，灵活调整。

　　Notes:On the premise of meeting your reasonable needs, we will agree with you the account functions and limits, and adjust them flexibly according to your usage and actual business needs in the future.

　　请您依法依规开立和使用账户，并充分了解、知晓出租、出借、出售、购买账户的法律责任和惩戒机制，不得利用银行结算账户从事各类违法犯罪活动。

　　Please open and use the account in accordance with the law and regulations, and fully understand the legal responsibility and punishment mechanism of the leasing, lending, sale and purchase account and shall not use the bank settlement account to engage in various illegal and criminal activities.