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Bank of China RMB Business Q&A

RMB Personal Account Questions and Answers

I.      RMB Deposit

1.     Is there a minimum deposit requirement to open a RMB deposit account at the Bank of ChinaNew York Branch and Chinatown Branch (the “Bank”)?

In order to open an RMB account, the customer must first open a USD account.  The minimum deposit for the USD account and the RMB account are the same.  The minimum deposit to open RMB Savings account is the RMB equivalent of USD $500. The minimum deposit to open RMB time deposit account is the RMB equivalent of USD $1,000.  The Bank also offers RMB Certificates of Deposit with 3-month, 6-month, 9-month and 1-year terms.

2.     What documents are required to open an account?

A customer must complete the Bank's Account Application Form and an Internal Revenue Service (“IRS”) Form W-9. In addition, a customer is required to provide the Bank with their Social Security Number and two valid identification documents. At least one of the identification documents must be a government issued photo identification (e.g. Passport, Driver's License). The other identification document must be a major credit card, employee identification card or health insurance card.

All international students must also complete IRS Form W-8 and provide a valid passport with I-20 Visa and I-94, or the admission letter from their school.

3.     Can I issue checks from my RMB account?

No. We do not offer RMB checks.  

4.     How can I fund my RMB account?

A customer can fund their RMB account by incoming RMB remittance or buying RMB from the Bank or RMB cash deposit.

5.     Can I withdraw and deposit RMB cash from and to my RMB account?

Yes. You can withdraw and deposit RMB cash directly from and to your RMB account at this time. Please see Section V below for detailed information.

6.     Is my RMB deposit Federal Deposit Insurance Corporation (FDIC) insured?

Yes. Like other currencies, RMB accounts at the Bank insured by the FDIC insurance up to $250,000.

7.     What is your customer service hotline telephone number and website address?

The Bank's customer service hotline is (212) 935-3101, extension 3124. The Bank's website address is www.bocusa.com

II.    RMB Exchange

1.     Can I buy and sell RMB from/to the Bank?

Yes, you can exchange USD for RMB or exchange RMB for USD at the Bank.

2.     Is there a limit for how much I can exchange?

Yes. The Bank reserves the right to impose a limit on RMB exchange.

3.     Where can I get a quote of the RMB exchange rate?

A customer can obtain an RMB exchange rate quote by calling the Bank's customer service hotline- At (212) 935-3101, extension 3124.

III.   RMB Remittance

1.     How can I wire transfer RMB to accounts in China (including Hong Kong and Macau)?

Customers can wire transfer RMB to accounts in China, including Hong Kong and Macau through the Bank's RMB remittance or RMB pre-settlement remittance service. RMB remittance regulations are established by the People's Bank of China and, as such, is subject to the latest regulation changes established by the People's Bank of China.  Currently, RMB cash is not acceptable in any remittance transactions at the Bank.

2.     What is the difference between RMB remittance and RMB pre-settlement remittance service?

RMB remittance is for a customer that wants to transfer RMB between their own RMB account at our branches and in China. The remitter and the payee have to be the same person, and according to applicable Chinese guidelines, the daily limit cannot exceed RMB 80,000.

RMB pre-settlement remittance service allows a customer to convert USD into RMB at the Branch first and then wire transfer RMB to accounts in China. By using this service, a customer can remit RMB to any payee's accounts other than their own account.  There is an aggregate annual limit of $50,000 on this service.  Further, the customer must provide the Bank with the payee's identification number in China. The limitation is based on the calendar year (January 1 through December 31)

3.     Am I required to open a RMB account at the Bank in order to use the RMB remittance service?

Yes. The remitter must have a RMB account at the Bank.

4.     Can I, or my relatives in China, wire RMB into my RMB account at the Bank?

Yes, you or your relatives can deposit funds into your RMB account at Bank, as long as the domestic branches in China have approved your (or your relatives') remittance application. You (or your relatives) should consult your domestic branch in China for the requirements of sending RMB to foreign countries.

IV.   RMB Cash Exchange

1.     What are the maximum and minimum RMB cash exchange amounts?

There is no minimum amount for the cash exchange service.  However, the Bank does not accept RMB coins and RMB banknotes valued less 1 Yuan.

For account customers of the Bank, the daily limit is USD $4,000 worth of RMB, and the annual limit is USD $20,000 worth of RMB.

For non-account customers of the Bank, the daily limit is USD $2,000 worth of RMB, and the annual limit is USD $10,000 worth of RMB.

2.     Am I required to open an account to use the service? What kind of identification documents do I need to provide?

The Bank offers RMB cash exchange service to both account customers and non-account customers. Customers who have accounts at the Bank can directly credit/debit their accounts. Non-account customers need to provide the Bank with their social security number and a government issued photo identification.

3.     Which branches of your Bank offer RMB cash exchange service?

Currently, the Chinatown Branch and New York Branch offer RMB cash exchange service.

4.     Are the cash exchange rates offered by Chinatown Branch and the New York Branch identical to the rates in China?

No. Exchange rates depend on many different factors, (for example, market supply and demand, shipping cost, insurance cost, administration cost, etc.).  Therefore, the exchange rates offered by Chinatown Branch and the New York Branch might not be the same as the exchange rates offered in China.

V.    RMB Cash Deposit and Withdrawal Service.

1.     Is there any transaction limit imposed on RMB cash deposits and withdrawals?

Yes, there is a daily limit of 20,000 Yuan on each deposit and withdrawal.  The Bank accepts all denominations, except for RMB coins and RMB banknotes valued at less than 1 Yuan.

2.     Is there any fee involved in RMB cash deposit and withdrawal transactions?

There is no fee for RMB cash deposit transactions.  However, there are fees for RMB cash withdrawal transactions.  There is no fee for withdrawing an amount up to 3,000 Yuan.  For withdrawals above 3,000 Yuan, a fee will be charged for the cost of providing the service. For details, please refer to the fee schedule.

3.     Do I need to open accounts to receive this service?

Yes. A customer must open a USD account and a RMB savings account in order to conduct RMB cash deposit and withdrawal transactions.  RMB Certificate of Deposit accounts do not support such transactions.

4.     What if Bank of China confiscated my RMB counterfeit currency?

The Bank is required to confiscate any RMB counterfeit currency.  If such currency is confiscated, you may appeal the examination result to the People's Bank of China.  In the case of an appeal, the Bank will transfer the counterfeit currency in question to the People's Bank of China for further examination and ultimate determination of the genuineness of the currency.  You may leave your contact information for notification of the further examination results by the People's Bank of China.  You may also request a receipt for the confiscated currency.

5.     When closing account, what should I do with my balance that has remainder amount valued less than 1 Yuan? 

Besides being able to withdraw the daily maximum of 20,000 Yuan at closing, you must convert all of your remaining balance to USD and transfer them to your USD account.  You may then withdraw your entire remaining balance from your USD account.

Bank of China, New York Branch

Bank of China, Chinatown Branch

March 2012

Overview of RMB Products and Services and Questions and Answers for Business Customers

Overview of Products and Services

RMB Deposit for Business Customers

The Bank of China, New York Branch, Chinatown Branch and Los Angeles Branch (the “Bank”) offer RMB demand deposit accounts (not including RMB checks), RMB time deposit accounts and RMB savings accounts to its business customers.

RMB Loan for Business Customers

The Bank offers floating interest rate and fixed interest rate loans to its business customers. The interest rates may be settled monthly or quarterly, with the specific interest settlement method to be determined by the lenders and borrowers.

RMB remittance for International Trade Business

Since March 2012, the Bank has permitted all of its business customers to settle in RMB for their international trade in goods and services. Business customers may also send RMB by wire transfer, provided the amount should be consistent with the sales contract or invoice provided.

Currency Exchange for Business Customers

The Bank provides RMB spot exchange for business customers that have an international trade background. The customer may inquire about the exchange rate either by phone or by visiting one of the Bank's branch offices. If the exchange rate and amounts can be confirmed on the trading day, the settlement date will be two business days after trading day.

RMB Trade Finance

The Bank offers many international settlement products and trade finance services with RMB as the currency unit.  These products and services include Letters of Credit, Standby Letters of Credit, Inward Collection, Outward Collection, Import Factoring, Export Factoring, Forfeiting and Supply Chain Financing.

Questions and Answers

I.      RMB Deposit for Business Customers

What are the required documents for opening a business account?

Business customers must first open a USD account with the Bank.

The documents required to open an RMB account with the Bank are the same documents required to open a USD account with the Bank.  In this regard, a customer must complete and provide the Bank with the following documents: (i) Account Application Form, (ii) Internal Revenue Service (“IRS”) Form W-9, (iii) Corporate Resolution Form, (iv) Signature Cards and (v) Fax Agreement (optional).

Further, a customers must provide the Bank with the following additional documents: (i) a copy of its Certificate of Incorporation or Articles of Incorporation (as the case may be), (ii) a copy of the filing receipt of these incorporation documents with the appropriate Secretary of State, (iii) Employer Identification Number (EIN) or notification letter issued by the IRS, (iv) Financial Statement/Tax Return, and (v) two valid forms of identification for each authorized signer on the account.  All original documents must be presented to the Bank, and copies of documents will be kept on file.

For any customer seeking RMB spot exchange services from the Bank, the customer must also provide related documents demonstrating the customer's trading background and transaction amount.  In order to convert USD into RMB, the Bank requires that the exchange amount to be consistent with the transaction amount on the customer's sales contract or related trade documents.

If a customer is sending its application to the Bank by mail, then all of the above required documents must also be notarized.

What kind of RMB accounts do you offer to business customers?

The Bank offers RMB saving account, RMB demand deposit account, and RMB time deposit accounts to business customers.

What is the minimum balance requirement for these accounts?

The minimum balances for RMB business accounts are required as follows:

(i) RMB Statement Saving Account requires a minimum balance of RMB equivalent of USD $5,000; (ii) RMB Demand Deposit Account requires a minimum balance of RMB equivalent of USD $3,000; and (iii) RMB Time Deposit Account requires a minimum balance of RMB equivalent of USD $1,000.

II.    RMB remittance for International Business

Where are the RMB Settlement Pilot Areas? If two companies are involved in international business that requires an RMB settlement, but one of the companies is not located in an RMB Settlement Pilot Area, can they still remit RMB through the Bank of China, New York Branch?

Yes, Pilot Areas (including Pilot enterprises) no longer in existence.  Effective March 2012, all business customers may settle in RMB for their international trade in goods and services.

What are the rules for RMB settlement business issued by the People's Bank of China and U.S. regulators?

The U.S. regulators do not have any rules for RMB settlement business. For the related regulations about RMB settlement, please visit the website of the People's Bank of China for updated information. (www.pbc.gov.cn) 

How can a business customer send RMB? What is the fee?

A business customer of the Bank can send RMB by wire transfer. The amount should be consistent with the sales contract or invoice provided to the Bank. The fee charged for each remittance transaction is USD $20.

III.   Currency Exchange for Business Customers

Non-deliverable forward (“NDF”) foreign exchange

Can a business customer use NDF to hedge the potential RMB exchange rate risk related to its import/export trade business?

Yes.

Can the margin be held in a time deposit account?

Yes, your margin deposit can be held in either a time deposit account or saving account at the Bank.

In addition to opening a USD settlement account, does a business customer need to open Margin Account at the same time to conduct NDF transactions?  Should the margin deposit be in RMB or in USD?

Yes, a business customer must have a Margin Account in order to conduct NDF transactions.  The margin deposit may be either in RMB or in USD.

What are the required documents that a business must provide before conducting NDF transactions with the Bank?

A business customer must provide the Bank with valid trade documents, such as a sales contract. In addition, the business customer must have completed and provided the Bank with other certain documents before the first transaction can be entered.

RMB spot exchange

Is a business customer required to have international trading background in order to undertake spot transactions?

Yes.

Can the Bank provide same day settlement?

Although the exchange rate and amounts can be confirmed on the trading day, the settlement date is T+2 (two business days after trading day).

How can a business customer inquire about the exchange rate?

A business customer may inquiry by phone or by visiting any of the Bank's branches.

How does the Bank send trading confirmation information to a business customer?

As directed by the business customer, the Bank can send confirmation information by mail, e-mail or fax.

What documents are required for spot transactions?

Generally, spot transactions are conducted by the Bank's Banking Department.  If a business customer has frequent transaction needs with large amounts, the customer may choose to conduct spot transaction directly with the Bank's FX & Funds Department. The customer must provide the Bank with valid sales documents, sign related agreements, and information verifying the customer's international trading background.

Trade Finance

What kind of trade finance services does the Bank offer?

The Bank offers Letters of Credit, Supply Chain Financing, Export Bill Purchase, Forfeiting, Export Two-factor Factoring, Import Bill Purchase, Outward Remittance Financing, Shipping Guarantee, Packing Loan, Export Discounting, Import Factoring and Invoice Discounting, and other related services.

Who is the typical trade finance customer of the Bank?  What documents are required to obtain this service from the Bank?

The typical customer of trade financing services from the Bank includes all Chinese-funded enterprises in U.S as well as local businesses in the U.S.  However, the Bank's trade financing and settlement services are not limited transactions between businesses located in China and the U.S.  The Bank also provides trade financing and settlement between businesses located in the U. S. and other countries.  

For detailed procedures of these services, please visit the Bank's website. In order to obtain this service from the Bank, a customer will need to provide their trade documents and open an account at the Bank. Under some circumstances, certificate is needed as well such as export license.

Does a business customer need to have a line of credit at the Bank in order to obtain these services?

A business customer may need a line of credit in order to obtain some of the Bank's services (for example, Letters of Credit and Packing Loan).  However, a business customer does not need a line of credit in order to obtain certain other services from the Bank (for example, Export Factoring and Export Bill Purchase).  Please consult a representative of the Bank to discuss your specific requirements.

Bank of China, New York Branch

Bank of China, Los Angeles Branch

Bank of China, Chinatown Branch

March 2012

中国银行人民币业务知识问答

个人人民币业务知识问答

一、       人民币存款

1.     中国银行纽约分行和中国城分行(以下称我行)开立人民币帐户是否有存入资金最低限额及期限的要求?

答:人民币帐户的最低存款限额要求与美元帐户相同。但客户必须先开立美元帐户,方能开立人民币账户。人民币活期帐户最低存款限额为等值500美元的人民币;人民币定期帐户最低存款限额为等值1000 美元的人民币,存期可为3个月、6个月、9个月和1年。

2.     个人首次开立人民币帐户需提供哪些证明材料?

答:按照规定,个人首次开立人民币帐户需填写帐户申请表格、W9 表格。并提供社会安全卡号、两个有效个人身份证件(其中一个需为有照片的身份证明,如护照、美国驾照等,另一个身份证明可为信用卡、工作证、医疗保险卡等)。持留学生身份的客户除填写帐户申请表外,还需填写外籍人员W8免税表格,并提供有效护照、I-94、以及I-20 或学校录取通知书。

3.     是否可办理人民币支票?

答:我行暂不开办人民币支票帐户,不提供人民币支票服务。

4.     可通过哪几种渠道存入人民币?

答:客户可通过人民币汇入、人民币买卖和人民币现钞三种渠道存入人民币。

5.     是否可以从人民币帐户存取人民币现钞?

答:可以。详细内容见第五章

6.     人民币存款是否参与FDIC联邦存款保险公司的保险?

答:是的。人民币存款与其他货币存款一样享受FDIC联邦存款保险。最高保额为250,000美金等值的人民币。

7.     客户服务热线及网址?

答:人民币业务客户服务热线为(212)935-3101 3124 ,网址为WWW.BOCUSA.COM

二、       人民币现汇兑换

1.     我行是否提供美元人民币双向兑换业务,即把美元兑换成人民币或把人民币兑换成美元?

答:是。我行提供双向人民币兑换业务。

2.     办理人民币汇兑是否有金额限制?

答:是的,我行有权根据当天的人民币市场情况而设定汇兑限额。

3.     如何获取人民币汇率?

答:客户可以通过拨打我行的服务热线(212)935-3101 3124询问当日报价。

三、       人民币汇款

1.     客户有哪些方式可将人民币汇入中国(含港、澳地区)的人民币帐户吗?

答:客户可通过人民币汇款和人民币预结汇两种方式将人民币汇入中国(含港、澳地区)的人民币帐户。人民币汇款政策由中国人民银行制定,您的人民币汇款能否成功汇入中国取决于中国人民银行最新的政策规定。我行暂不办理人民币现钞汇款业务。

2.     预结汇汇款和人民币汇款有何区别?

答:人民币汇款业务可将在我行开立的人民币账户直接将人民币汇入中国(含港、澳地区)的帐户,但款项只能汇给汇款人本人在中国(含港、澳地区)开立的同名帐户上,且每天不超过8万人民币。

人民币预结汇指得是汇款人可将我行账户中的美元提前兑换成人民币,然后汇回中国(含港、澳地区)的人民币账户。使用此产品,汇款人可以汇给不同名字的中国境内居民收款人,按照目前政策规定,每笔预结汇汇款金额不超过5万美元,预结汇汇款受年度结售汇限额管理,收款人每人每年不超过5万美元,由中国境内银行管理,汇款人需提供收款人国内身份证号码。

3.     个人客户办理人民币汇款必须有人民币帐户吗?

答:汇款人必须在中行开有帐户方可办理相关人民币汇款业务。

4.     客户在国内的亲属或客户本人的人民币可否汇到客户本人在中行的人民币帐户中?

答:将人民币从中国汇往美国,由中国境内汇出银行负责审核。如中国境内汇款银行可以汇出人民币,并且收款人在我行已经开立人民币帐户,我行可以将人民币汇入款项存入收款人在我行的人民币帐户。

四、       人民币现钞兑换

1.     是否有兑换金额限制?

答:除了不接受硬币和一元以下的纸币外,基本上不设最低金额。已在我行开立帐户的客户每日兑换限额为$4,000 等值的人民币,每年限额$20,000 等值的人民币。未在我行开立帐户的客户每日兑换限额为$2,000 美元等值的人民币,每年限额$10,000 美元等值的人民币。

2.     办理人民币现钞兑换是否必须开户?办理兑换业务需要提供哪些身份证件?

答:办理人民币现钞兑换无需开立人民币帐户,已开立帐户的客户可直接入帐或划付帐户;未开立帐户的客户需持有效身份证明,包括一个由政府签发带照片的有效证件及提供社会安全号才能到我行办理此业务。

3.     我可以在哪个分行办理此业务?

答:目前,客户可在中国城分行和纽约分行办理此业务。

4.     我行现钞兑换所使用的牌价是否与中国境内分行的牌价一致?

答:因决定牌价包括多种因素,例如:不同地区的市场需求,运费,保险费,行政费用等决定,所以我行现钞兑换的牌价与中国及其他地区外币交易市场的牌价存在差异。

五、       人民币现钞存取

1.     是否有存取金额限制?

答:每人每天存取各不可超过人民币20,000元。我行除不接受硬币和面值一元以下的纸币外,其他任何面值的纸币都可以在我行进行存取。

2.     存取人民币现钞是否涉及任何手续费?

答:存入人民币现钞不产生任何费用。提取人民币现钞时,3,000元或以下免手续费;3,000元以上收费请参阅费用表。

3.     办理人民币现钞存取是否必须开立账户?

答:为办理人民币现钞存取业务,客户必须同时开立美元帐户和人民币活期储蓄账户。人民币定期储蓄账户不可以用于办理人民币现钞存取业务。

4.     如果银行没收了假币,我该怎么办?

答:我行有权利和义务没收人民币假钞假币。如果我行没收了您的假钞假币,您可对鉴定结果进行申诉。收到申诉后,我行会将该假钞假币移交给中国人民银行进行进一步鉴定。客户可留下其联络方式以便收取进一步鉴定结果的通知。客户也可向我行要求索取一张没收凭证。

5.     关户时,如果人民币活期储蓄账户内的余额有零头,该如何处理?

答:关户时,您除了在关户当天可最多取出20,000元现钞,其余余额都必须转换成美元转到美元帐户,然后一并以美元方式取出。

中国银行纽约分行

中国银行中国城分行

2012 3

公司人民币业务知识问答

公司客户人民币业务产品总揽:

公司人民币存款

中国银行纽约分行、中国城分行和洛杉矶分行(以下称我行)公司存款账户类型包括人民币活期存款账户、人民币往来账户(不提供人民币支票)和定期存款账户。

公司人民币贷款

我行贷款利率可以选择浮动利率或固定利率。可按月、按季结息,具体结息方式由借贷双方协商确定。

跨境贸易项下公司人民币汇款

20123月开始,所有企业可以对跨境货物贸易,服务贸易和其他经常项目使用人民币结算。企业客户可办理人民币电汇汇款,所汇金额需与其所提供的贸易合同或发票金额相符。

公司兑换

公司人民币即期外汇交易。必须有真实贸易背景, 客户可先通过电话或柜台询价,交割日为交易日后2个工作日。

人民币贸易融资

我行提供人民币为货币单位的商业信用证及备用信用证开立、进出口押汇、进出口保理、福费廷以及供应链融资等各项国际结算和贸易融资服务。

一、    公司人民币存款

1.     公司开立人民币存款账户需要提供哪些资料?

答:公司必须先开立美元账户,方可开立人民币账户。所开立人民币存款账户需资料与美元账户类似,公司需填写公司开户申请表格、W9表格。并提供公司董事会决议、公司预留印鉴卡及传真汇款协议书(选择性)。客户还需提供公司在美国的注册执照及申请收据、公司章程、美国国税局(IRS)签发的联邦税号(EIN)通知函, 财务报表 / 年度退税表 及有权签字人的两个有效身份证件。以上提供材料均需为原件,我行会将原件复印后备案。另外,公司客户开立人民币存款账户还需提供相关贸易背景证明文件及涉及贸易相关的交易金额证明。公司提出的美元兑换人民币交易需求必须提供相关有效贸易文件,兑换金额也必须与贸易文件上金额相符。如果所有申请表格通过邮寄方式发送,则全部材料需要经过公证后方可生效。       

2.     公司可在我行开立几种人民币存款账户?

答:公司存款账户类型包括人民币活期存款账户、人民币往来账户(不提供人民币支票)和定期存款账户。

3.     开立人民币账户的最低存款限额是多少?

答:公司人民币活期账户最低存款限额为等值5,000美元的人民币,公司人民币往来账户最低存款限额为等值3,000美元的人民币,公司人民币定期存款账户最低存款限额为等值1,000美元的人民币。

二、    跨境贸易项下公司人民币汇款

1.     目前人民币结算试点地区有哪些?如甲方为试点地区企业,乙方为非试点地区企业,两者之间发生跨境贸易人民币结算,能否通过我行进行人民币汇款?

答:根据201223日由人民银行、财政部、商务部、海关总署、税务总局和银监会联合发布的《关于出口货物贸易人民币结算企业管理有关问题的通知》(银发〔201223号)内容,要求各省(自治区、直辖市)、计划单列市人民政府在本通知下发之日起1个月内向六部委报送需要重点监管的出口货物贸易人民币结算企业名单。经六部委联合审核并下发名单后,已报送名单的省(自治区、直辖市)、计划单列市具有进出口经营资格的企业均可依法按照《跨境贸易人民币结算试点管理办法》和本通知开展出口货物贸易人民币结算。在名单下发前,相关省(自治区、直辖市)、计划单列市原列入试点企业名单的企业可继续开展出口货物贸易人民币结算业务。因此根据此规定,今后不再有试点地区、试点企业限制。企业只要有意愿,均可办理包括跨境货物贸易、服务贸易和其他经常项目下人民币结算。

2.     人民银行及美国监管当局对此类业务有哪些规定?

答:目前美国监管当局对此类业务没有限制规定。人民银行关于人民币业务的有关规定,可参阅人民银行(含各地分行)网站最新资料。

3.     公司客户有几种汇款方式?收费标准是多少?

答:公司客户可办理电汇汇款,所汇金额需与其所提供的贸易合同或发票金额相符。汇款收费标准为每笔20美元。

三、    公司兑换

(一)   公司客户无本金交割远期外汇交易

1.     为避免人民币波动而带来的汇兑损失,进出口项下贸易融资企业可否进行NDF方式交易操作?

答:可以

2.     除活期存款外,公司客户的保证金能否做定期存款?

答:可以。

3.     公司客户在开立美元往来账户的同时,是否必须开立保证金账户?保证金按人民币收取还是按美元收取?

答:公司客户办理远期交易需要开立保证金账户交纳保证金,保证金可以是人民币或美元。

4.     公司客户申请办理NDF业务时,需要提供哪些材料?

答:提供具有真实贸易背景的相关材料如合同等,还需要与我行签订相关法律文本。

(二)   公司人民币即期外汇交易

1.     客户是否必须有贸易背景?

答:是。

2.     我行能否在当日为客户办理交割?

答:交易日定价为当日,交割为T+2 (交易日后2个工作日)

3.     即期交易询价方式有哪些?

答:电话或银行柜台。

4.     我行以何种方式向客户发送交易证实?

答:信函、Email 或传真。

5.     客户办理业务有哪些账户要求及需要提供哪些材料?

答:即期外汇交易一般通过营业部叙做。如果交易频繁,数额较大,也可以在一般账户的基础之上再开立保证金账户,直接与外汇资金部通过保证金账户进行外汇交易。客户需提供具有真实贸易背景的相关材料,并需与我行签订相关法律文本。

四、    贸易融资

(一)   我行开办哪些贸易融资业务?

答:我行提供授信开证、供应链融资、出口押汇、福费廷、出口双保理、进口押汇、汇出汇款融资、提货担保、打包贷款、出口贴现、进口双保理、商业发票贴现等贸易融资业务。

(二)   以上业务分别针对哪些客户群?美中业务的具体办理流程及客户需提供哪些相关证明文件?

答:针对的客户群是:所有在美的中资企业,以及美国当地企业。但贸易结算及融资范围并不局限于中美之间业务,我行同样受理其他国家和美国之间贸易结算及融资业务。

具体承办流程可参阅我行网站。一般说来客户提供的文件只需要贸易单据即可,但有时可能需提供例如出口许可证等其他证明文件。同时,客户还需要在我行开户。

(三)   客户办理以上业务的前提条件是否须在中行有授信额度?授信额度是否可循环使用?如无授信额度,能否为客户办理?

答:有些业务要求在我行有授信额度,如开证、打包贷款等,但有些业务则不需要;如出口押汇、出口保理等,具体情况请与我行联系。

中国银行纽约分行

中国银行洛杉矶分行

中国银行中国城分行

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