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海外银行总裁Dr.Jaka:快速开户、境内灵活操作,为中国投资者解决境外开户难题 | 欧笙说

2018-12-27 海外银行

相信很多投资者都关注了恒生银行将在本月底关闭1万多个银行账户的新闻,办理海外银行开户可能比我们预想的还要难。可无论海外投资者还是准备移民的人士,都必须办理一张海外银行账户,并保证其银行账户的正常运行。近日,欧笙投资特邀战略合作伙伴Lon Bank CEO Jaka Vadnjal进行专访,他表示Lon Bank将为中国投资者们解决海外开户的难题

欧盟银行Lon Bank为中国客户提供私人银行服务

 

大家好,我是Lon Bank CEO Jaka Vadnjal,我来自斯洛文尼亚。让我来简单介绍一下斯洛文尼亚。斯洛文尼亚坐落于欧洲的中心,毗邻意大利、奥地利和亚得里亚海,在地图上很容易被找出

Lon Bank是斯洛文尼亚新兴并且发展最迅速的银行。Lon Bank是一个私人银行,我们在三年前定下了一个策略,那就是Lon Bank要以走向国际化为目标。在考虑了很多包括欧洲和世界其他地区的机会,还有见了许多有高端人士后。我们认识到中国市场对自身发展和业务展开来说,是一个很好的机会。所以,我们来到了北京,来见更多的意向客户和他们交流,并了解他们的需求。

▲欧笙投资母公司瑞麟集团与Lon Bank签署战略合作协议

 

我们现在与合作伙伴——欧笙考虑的是,为中国客户开设欧洲账户。这个账户可以为非欧盟居住的客户提供服务,以欧元作为运营货币。此前我没有提到的是,斯洛文尼亚是欧元区的一部分,它也是EU和EEU的成员之一,所以,Lon Bank最大的优势是可以用欧元转账。用Lon Bank在欧盟成员国的银行之间转账,是非常快捷和便利的,和我们合作将会很有趣。

Lon Bank账户在欧元区内为客户提供多种多样的标准化服务,让我来介绍一些我们提供的各种支付方式。如瑞士联合银行、单一欧洲支付区、存款、标准化存款,也可通过合作银行用其他货币进行交易。Lon Bank在欧洲拥有许多合作伙伴,对于我们来说,最重要的还是客户。

 

Hello, my name is Jaka Vadnjal, I am CEO of the Lon Bank. I’m coming from Slovenia, If you don’t know where Slovenia is. Slovenia is a small country in the heart of Europe, We are boarding to Italy and Austria and Adriatic Sea. So, we are easily to find on the map, But otherwise we are so small, probably 10% of the p.p. of Beijing is Slovenia. I’m the representative of the one the smallest but fastest growing banks in Slovenia. We are entirely private bank, and in our strategy which was developed three years ago. We decided that we also need to have international ambitious for international business. After considering a lot of opportunities both in Europe and also worldwide, and meeting a lot of interesting people. We decided that China and Chinese market maybe an opportunity for us to expend our banking services. So, now we are here in Beijing in order to speak to some potential clients. In order to meet them, and in order to understand what their needs are.

 

What we were considering now with our Beijing partners which is Ousheng Beijing office, We would like to offer to our Chinese clients our bank account. So, our bank account is normal non-residential account and at the moment. We are only doing accounts in Euros, I didn’t mention before, Slovenia is a part of Euro zone. So Slovenia banks including Lon Bank are members of EU and EEU, Which makes work with us probably even more interesting.

 

Our accounts offer the whole variety of services of standardized services, Which are offered within Euro zone. Let me mention only a couple of them that would be standardized payment facilities, Like UBS, SEPA, direct debits, standardized direct debits. We can also do payments in other currencies through partner banks. We have several partner banks around Europe, But our most important focus is on clients.

Lon Bank走向国际化:网页、手机APP中文版即将上线,便于客户在境内操作

 

虽然我们现在只在斯洛文尼亚境内开展业务,但我们会持续扩张业务,使Lon Bank国际化。我们已经有很多中国客户在Lon Bank建立账户,Lon Bank为客户提供现代化的银行服务。如,网上银行和手机银行,这两项服务均提供英文版本。所以,懂英文的客户只需联网,便可以在世界各地来运营自己的账户。在不久的将来,网上银行和手机银行将会发布中文版本,以便于中国客户操作。

 

与账户关联,我们为客户提供两种卡。默认的maestro卡,这是基础银行卡,可以在ATM机上取钱。

在支付方式上,我们还为客户提供master卡。master卡在世界范围内被广泛应用,所有开账户所需的证明文件,如所需签署的表格、合同等,均可提供英文版。在不久的未来,我们将联合欧笙发布中文版本。

At the moment, we are mostly active in our country which is Slovenia, But we are also expanding our internationally. So, we do already have many Chinese clients which do have some experiences with us, We offer a very modern up to date bank in channels. We are very proud of our web bank and our mobile bank, both of them are already available in English. So, an English-speaking client can operate with the account from everywhere around the world, Just connection to the internet. It’s needed in the very near future, We will translate these channels, so ebank and mobile bank also to Chinese language, to make it even more accessible for potential Chinese clients.

 

Together with accounts we do some cards in our country, The maestro the default card to go with the account. This is basically a bank card which is use for withdrawing money from ATMs. Also, for payments, and the other cards is master card which we do as additional option, And master card is very wide spread around the world. All the documentation to open the account. Our forms, contracts that needs to be signed and everything else, Are also provide in English language. Probably in later stage together with our partners Ousheng Beijing office, We will also provide Chinese versions of all these documentations. 

开设海外银行账户真的只需要护照+身份证吗?!

 

当然,开账户有一些必须遵守的流程。这些材料和程序都是开户必要的,中国客户如需在Lon Bank开户,需提供护照首页复印件、身份证复印件,并且这两个文件需要翻译成英文版。客户还需申请斯洛文尼亚税号,欧笙可以为客户安排如何取得这个税号。除此之外,我们还需要斯洛文尼亚地址证明。或者简单地说,我们需要了解我们的客户的税务情况,需要填写一些表格,最重要的是反洗钱的表格。我们会尽可能的为客户提供便捷的服务。

在开户流程中,Lon Bank需要对客户进行面对面身份审核。换句话说,必须要见到客户本人。身份审核可以是客户来我们在斯洛文尼亚的银行,或者以更便捷的方式。这种方式我们已经和欧笙商讨过了,客户们可以来欧笙北京办公室办理开户。在尽可能多地收集客户后,Lon Bank也派出代表从欧洲过来,携带必备的文件和手续来到北京。另外,我们还可以为客户提供更多样的存储解决方案,便于中国客户开户和使用账户。当然,我们为客户提供有竞争力的存款利率,这也是我们与欧笙合作的产品,这个利率对于大额存款来说,我们现提供年利率为1%的利息,这在欧洲是非常有竞争力的利率。

 

总结一下今天的内容,如果您需要一个优质的欧洲银行账户,那么,请考虑通过欧笙北京办公室在Lon Bank开户,相信,Lon Bank可以为您提供最优质的账户服务和相关解决方案。

 

Of course, opening an account is a certain also formalized procedure that we need to follow. But because of all the documentation which is need for opening another residential account. So, for Chinese clients we need a copy of passport, we need a copy of Chinese identity card, and we need the translation of this identity card. We need that our clients apply for a Slovenian tax number, which can be also organized through Ousheng Beijing office. We need kind of proof or statement of tax residency. Or speaking in plain words, we need to understand where our client base majority of taxes. We need a couple of questionnaires filled in, In this stand, probably the most important is anti-money laundering questionnaire. But we try to run this procedure as convenient as possible for our clients.

 

The only thing which is less convenient is that we are again obliged by the law. To do the life or face to face identification of the client. So this life identification can be done whether if a client visits us in Slovenia in our bank, or if that could be more convenient. We are speaking to Ousheng Beijing office to organize the identification here. And representative of bank would travel over, With all the documentation, and all of the work will be done here in Beijing. As an additional offer, we are preparing also a couple of depository solutions. So that Chinese clients would be offered to deposit money. Of course, the power with that some we believe a really competitive interest rates for deposits, We will make this product again with Ousheng capital partners. But we think that the interest rates for largest sum of money, We will exceed 1% per year at the moment, Which we believe it’s an attractive interest rate.

 

Let me conclude this speech with inviting, If you need a good bank and partner for Europe at the moment for EU. But also wider, please consider Lon Bank together with our Chinese partners which is Ousheng Beijing office. And I’m sure that we will find the right solutions for you.

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