烟台银行　烟台银行境外来华人员开户业务服务指南 Service Guidelines of Yantai Bank for Account Opening by Overseas Individuals Visiting China

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烟台银行境外来华人员开户业务服务指南 Service Guidelines of Yantai Bank for Account Opening by Overseas Individuals Visiting China

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发布时间：2024-07-08

　　为便利境外来华人士办理银行账户开户业务，特制定本业务服务指南。

　　These service guidelines are established to facilitate the account opening process for overseas individuals visiting China.

　　一、开户业务有效身份证件

　　I. Valid Identity Documents for Account Opening

　　办理银行业务时，以下证件是您的有效身份证件：香港、澳门特别行政区居民为港澳居民往来内地通行证或港澳居民居住证；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；外国公民为护照或者外国人永久居留（身份）证（外国边民，按照边贸结算的有关规定办理）。上述证件均可单独使用，原则上无需提供其他辅助证件。

　　The following documents are recognized as valid identity documents when conducting banking business: Residents of Hong Kong and Macao Special Administrative Regions: Mainland Travel Permit for Hong Kong and Macao Residents or Residence Permit for Hong Kong and Macau Residents; Taiwan Residents: Mainland Travel Permit for Taiwan Residents or Residence Permit for Taiwan Residents; Foreign Nationals: Passport or Foreigner's Permanent Residence (Identity) Permit (Foreign residents of a border area must adhere to the relevant regulations for border trade settlement). Any of the above documents can be used independently. In principle, no additional supporting documents are required.

　　二、开户所需材料

　　II. Materials Required to Open an Account

　　1.本人有效身份证件

　　1. Valid identity document of the applicant

　　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 Individual Tax Residency Status (If the applicant declares that he/she is a Chinese tax resident, he/she must provide proof of Chinese tax residency. Applicants holding a Foreign Permanent Resident ID Card or a Residence Permit for Hong Kong, Macao, and Taiwan Residents are not required to provide additional Chinese tax residency documents for the account opening process)

　　备注：中国税收居民判断标准：在中国境内有住所，或者无住所而在一个纳税年度内在中国境内居住累计满一百八十三天的个人应认定为中国税收居民。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。

　　中国税收居民税收身份证明材料（满足其一即可）：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；个人在中国境内居住满183天的证明材料，如护照记载的出入境记录、其他有效证明材料（如“港澳居民居住证”和“台湾居民居住证”等）。

　　Notes: Criteria for determining Chinese tax residency: Individuals who have a domicile in China or who do not have a domicile but have resided in China for a total of 183 days in a tax year shall be recognized as Chinese tax residents. Having a domicile in China means habitually residing in China due to household registration, family ties, or economic interests.

　　Documents proving the tax identity of a Chinese tax resident (any one of the following is sufficient): China Tax Resident Identity Certificate issued by the tax authorities; Resident Identity Card of Peoples Republic of China; Foreign Permanent Resident ID Card; Documents proving that the individual has resided in China for 183 days or more, such as entry and exit records in the passport, or other valid proofs (such as the Residence Permit for Hong Kong and Macao Residents and the Residence Permit for Taiwan Residents).

　　三、开户资费标准

　　III. Account Opening Fees

　　我行开户资费标准请以各网点及我行官网公示为准。官网查询方式为：登陆官方网站https://www.yantaibank.net/，点击“收费标准”。

　　The Bank's account opening fees are subject to the rates announced at the outlets and on the Bank's official website. For details, please visit the official website of Yantai Bank (https://www.yantaibank.net/) and click on "Fees and Charges".

　　四、开户时限标准

　　IV. Time Limit for Account Opening

　　请您积极协助我行完成身份识别、尽职调查等工作。当您的开户资料真实完整、身份核实无异常的情况下，我行承诺当日完成开户，账户即开即用。

　　Please actively support the Bank in completing the identification and due diligence process. If your account opening information is accurate and complete, and identity verification is satisfactory, the Bank guarantees to complete the account opening on the same day. The account will be ready for immediate use.

　　五、简易开户服务

　　V. Simple Account Opening Service

　　为加快您账户的开户办理进度，我行可为您提供简易开户服务，通过审核个人有效身份证件，简化辅助身份证明材料要求，开立非柜面限额较低的账户，满足开户需求。后续可根据您的需要和我行的尽职调查程度，适当地调整非柜面业务限额。

　　To expedite your account opening process, the Bank offers a simple account opening service. This service involves reviewing your valid personal identification documents and simplifying the requirements for additional identification materials. Accounts opened through this service will have lower non-counter transaction limits to meet your initial needs. Subsequent adjustments to the non-counter transaction limits can be made according to your requirements and the level of due diligence performed by the Bank.

　　六、业务提示

　　VI. Business Tips

　　根据账户分类管理和使用原则，您可根据自身的需求选择开立I、Ⅱ、Ⅲ类户，以更好地保障您资金的安全。如您需开通非柜面业务，我行将依据所收集的客户信息和身份核实程度，结合您的开户用途等，与您约定合理的非柜面业务限额。

　　In accordance with the principle of account categorization and usage, you can choose to open Class I, II, or III accounts d on your needs to better protect your funds. If you require non-counter services, the Bank will establish a reasonable transaction limit with you d on the collected customer information and the degree of identity verification, combined with the purpose of your account.

　　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 ensure that you open and use your account in compliance with all relevant laws and regulations. Be fully aware of the legal responsibilities and disciplinary mechanisms related to renting, lending, selling, or purchasing accounts. Under no circumstances shall you use your bank settlement account for any illegal or criminal activities.