为什么跨境电商首选香港大新银行？开户优势与全流程指南
在全球经济一体化浪潮下，越来越多的内地企业选择在香港注册离岸公司以拓展国际市场。然而，新成立的公司常常面临银行开户的难题。香港作为国际金融中心，虽然外汇自由，但银行开户门槛较高。对于没有关联公司、业务合同和流水支撑的初创企业来说，选择合适的银行尤为重要。
Amid the wave of global economic integration, an increasing number of mainland enterprises are establishing offshore companies in Hong Kong to expand their international markets. However, newly established companies often face challenges in opening bank accounts. As an international financial center, Hong Kong offers free foreign exchange but maintains high thresholds for bank account opening. For startups without associated companies, business contracts or transaction records, choosing the right bank is particularly crucial.
PART 01 香港大新银行简介 | About Dah Sing Bank
大新金融集团是香港金融服务领域的领导者，已在香港运营超过75年，业务覆盖香港、澳门及内地，涉及银行、保险等多个金融领域。旗下拥有两家上市公司：大新金融（1987年上市）和大新银行集团（2004年上市）。
Dah Sing Financial Group is a leader in Hong Kong's financial services sector, operating in Hong Kong for over 75 years with businesses spanning Hong Kong, Macau and mainland China, covering banking, insurance and other financial fields. It owns two listed companies: Dah Sing Financial (listed in 1987) and Dah Sing Banking Group (listed in 2004).
PART 02 香港大新银行的优势 | Advantages of Dah Sing Bank
1. 低门槛开户：无需关联公司及业务证明，特别适合跨境电商、初创型贸易企业。
1. Low Threshold: No associated company or business proof required, especially suitable for cross-border e-commerce and startup trading companies.
2. 操作便捷：所有日常交易均可通过手机APP完成。
2. Convenient Operation: All daily transactions can be completed via mobile APP.
3. 高额度：指定账户每日限额2000万港币，非指定账户200万港币。
3. High Limits: Designated accounts have daily limit of HKD 20 million, non-designated accounts HKD 2 million.
PART 03 开户所需资料 | Required Documents
1. 香港公司注册文件（CI、BR、NNC1/NAR1、公司章程）
1. Hong Kong company registration documents (CI, BR, NNC1/NAR1, Articles of Association)
2. 董事股东身份证明文件
2. Director/shareholder identification documents
3. 1-2套意向购销合同
3. 1-2 sets of intended purchase/sales contracts
PART 04 开户流程 | Account Opening Process
1. 提交资料初审 → 2. 预约面签 → 3. 银行审批 → 4. 接收网银资料 → 5. 激活账户
1. Submit documents → 2. Schedule interview → 3. Bank approval → 4. Receive online banking materials → 5. Activate account
PART 05 账户资费 | Account Fees
管理费：账户余额不足1万港币时，每月收取100港币
Monthly Fee: HKD 100 when account balance below HKD 10,000
转账手续费：国际电汇130港币/笔，本地跨行转账60港币/笔
Transfer Fees: HKD 130 for international wire, HKD 60 for local interbank transfer
PART 06 账户维护建议 | Account Maintenance Tips
1. 保持账户活跃（至少每3个月有交易）
1. Maintain account activity (at least one transaction every 3 months)
2. 及时更新联系方式
2. Update contact information promptly
3. 避免与敏感国家交易
3. Avoid transactions with sensitive countries
