How do ordinary people get the approval of the foreign exchange administration to deposit money in Swiss banks?

Banking and finance play an extremely important role in the Swiss economy. The Swiss franc is one of the most stable currencies in the world. Swiss capital market is one of the most important markets in the world. The two largest banks in Switzerland, UBS and Credit Suisse Bank, lead the world banking industry.

Switzerland is a world leader in "personal banking", that is, private asset management. Swiss banks attract 35% of private and corporate overseas funds. One-third of the profits of UBS and Credit Suisse come from private deposits.

In 200 1 year, there are about 15 private banks in Switzerland. Private banks are run by wealthy individuals; Bankers are personally responsible for all banking activities. In other words, if the bank goes bankrupt, the banker may lose all his personal assets. Some large commercial banks began to provide similar services, which increased competition and put private banks under the pressure of merger.

Other foreign banks, such as Deutsche Bank and Barclays Bank, have made Geneva the center of their private asset banking business.

Switzerland also has a joint banking network, namely Raiffeisen. This bank has 537 branches, mainly in rural or suburban areas. Each branch enjoys autonomy, bank members have the right to participate in decision-making, and * * * is responsible for the future of the branch.

In 2004, the Swiss banking industry had more than 65,438+065,438+05,600 full-time employees, of whom 65,438+06,000 worked in other countries.

For hundreds of years, Swiss banks have been known for their strict bank secrecy system, which has become synonymous with huge deposits and underworld money laundering. However, is the Swiss bank really what it is described in detective novels or Hong Kong and Taiwan movies? What happened to the anonymous account? Here we will unveil the mystery of "Swiss Bank" for you.

Switzerland has no underground mineral deposits, which was initiated by the banking industry after World War II. Up to now, Swiss bank deposits have accounted for 1/3 of the total global savings.

Swiss bank has always been regarded as the most reliable bank in the world. About a quarter of the world's personal wealth is stored here. Politicians, business tycoons and entertainers from all over the world feel at ease about their deposits in Switzerland, which has also created Switzerland's world-famous financial industry.

How to understand the bank secrecy system?

Bank secrecy for customers means that banks are obliged to keep silent about all things of customers. This is also the right of customers, because they are the owners of these protected data and information. The bank secrecy system protects the personal rights and interests of customers. It can be compared with other professional secrecy systems, such as that of doctors and lawyers. The protection of private rights and interests is the basis of Swiss law, and it is also clearly stipulated in the federal constitution (see article 13 of the federal constitution).

Can I open an anonymous account in Switzerland?

No, it's impossible. Banks require staff to follow the principle of "know your customer" and must confirm the identity and economic legitimacy of each customer who opens a new account. In order to control the financial transactions with criminal sources, banks have formulated strict and internationally recognized identity authentication rules.

Is the number account an anonymous account?

No. Contrary to detective stories, spy movies and some media reports, Switzerland has no anonymous accounts. The number, account number and customer's name are open to a small number of people in the bank. Banks use the same bank secrecy system for customers with numbers and accounts and other accounts.

Does bank secrecy hinder the rationalization of global taxation?

Any country should be responsible for its own exclusive tax system and reasonable tax burden. Any government should understand that the increasing tax burden will weaken the attractiveness of a country and cause tax evasion under the pretext of overload. Therefore, the problem of taxation is not rationalization, but the trend of tax competition. The bank secrecy system will not create any obstacles to this goal.

How to open a bank and personal account in Switzerland?

In Switzerland, they all hold residence permit B, and the minimum deposit for opening an account is 5,000 Swiss francs, and the residence permit is valid for 5 months. After opening an account, 500 Swiss francs will be frozen. If students want to continue to use this account after leaving Switzerland, there must be 654.38 million Swiss francs in the account. Otherwise, the account must be cancelled and the bank will refund the deposit of 500 Swiss francs.

No matter what nationality you are, if you hold a Swiss permanent residence permit C, it is the same as opening an account with a Swiss.

How to open a Swiss bank company account?

1. Inform Ruifeng two days in advance so as to contact the bank and make an appointment to open an account;

2. On the day of opening an account, the directors of the company must bring their ID cards, valid passes or passports;

3. A copy of the business license of the domestic company (the account holder is a legal person or shareholder) (if any);

4. Purchase and sale invoices and contracts of domestic companies for banks' reference (if any);

5. Deposit HK$10,000 into the company account and10,000 into the private account;

6. Open a comprehensive wealth management account, including savings, checks, foreign currency (10), online bank account and letter of credit account, and provide an ATM card;

7. There are two bank passwords. The first password is sent to the customer, and the second password requires the customer to go to the bank to verify his identity.

8. The company seal may be required when handling, and it is best to bring it;

9. The materials submitted by overseas companies are the same as those submitted by Hong Kong companies, and the search fee will be deducted (deducted from the account) when opening an account;

10. The credit certificate may or may not show the balance, but it must be checked;

1 1. You can sign and witness in Shenzhen, Shanghai or other overseas places, but you can only do it with the consent of the opening bank in advance, mainly depending on the strength or reputation of the opening company. Because this kind of account opening is complicated, you can check with us before opening an account.

12. Swiss banks can open accounts in offshore banks;

Conditions for opening a offshore account in a Hongkong or Swiss bank:

1. Business registration certificate of the company (company registration document)

2. Certificate of company registration (Hong Kong company, bvi company or other overseas company)

3. Annual return, notice of the first secretary and directors (company registration document)

4. Notice of change of secretary and director (company registration document)

5. Agree to be a director (company registration document)

6. Memorandum, articles of association and any amendments thereto or relevant articles of association of the board of directors (company registration documents)

7. Produce a certified true copy (Hong Kong accountant or Hong Kong lawyer).

8. Copies of identification documents (passports or ID cards) of the company owner, directors and authorized signatories attending the board meeting, and proof of long-term address (provided by customers).

9. Company (provided by the deposit bank)

10. Account Opening Form (provided by the account opening bank)

1 1. Account authorization (provided by customer or bank)

12. Seal card (provided by the bank)

13. Letter of introduction and interview report (provided by customers)

14. Company customer data table (provided by customers)

15. Basic company information table (provided by customers)

16. Company structure chart (provided by customers)

17. Hong Kong mailing address (HKBSS Hong Kong Commercial Association will provide it to customers after the company is registered).

18. Arrange the introducer (Ruifeng will be the introducer, and a special person will be assigned to accompany the account opening).

Overseas companies need to provide the following documents when opening an account:

1. Certificate of appointment as a director

2. Proof of good reputation.

3. Business Proof Business Pool

★ Opening a Swiss bank account in Hong Kong requires an average monthly balance of $654.38+00,000.

★ Opening a Swiss bank in offshore account requires an average monthly balance of US$ 6,543,800+0,000.