Byatangajwe · Rundi

Gufungura konti y'ibanki y'ikigo mu Bushinwa

Inzira y'ibikorwa, ibisabwa n'amategeko ngenderwaho ku mufatanyabikorwa w'amahanga ufungura konti y'ibanki y'ikigo mu Bushinwa. Amakuru rusange, ntabwo ari inama y'amategeko cyangwa imisoro.

Gufungura konti y'ibanki y'ikigo mu Bushinwa ni intambwe y'ingenzi ku mufatanyabikorwa w'amahanga (foreign founder) ushaka gucuruza cyangwa gushora imari mu gihugu. Nyamara, si ikintu cyoroshye nk'uko bimeze mu bihugu bimwe: banki zisaba inyandiko nyinshi, kugenzura ubwoko bw'ikigo, no kubahiriza amategeko y'ubwishingizi n'ay'imisoro. Iyi ngingo itanga amakuru rusange gusa, kandi ntabwo ari inama y'amategeko cyangwa imisoro. Kugira ngo utekereze neza, jya uganira n'umunyamategeko cyangwa umujyanama w'imisoro w'umwuga ufite ubumenyi mu Bushinwa.

Impamvu banki zisaba ibintu byinshi

Mu Bushinwa, banki zikorera mu rwego rw'amategeko agenga ivanguramutungo w'amafaranga (anti-money laundering) n'ubwishingizi bw'abakiriya (KYC). Iyo ikigo gishya gifunguye, banki ishaka kumenya neza: ni nde nyir'ikigo, aho amafaranga aturuka, ni iyihe ngingo y'ubucuruzi, kandi ni nde ufite ububasha bwo kuyobora konti. Ibi bisaba ko utegura inyandiko zisobanutse kandi zihuje n'ibisabwa n'amategeko. Ntukekeranye: banki ntizakwemera gusa kubera ko wabitangiye; zigenzura byimazeyo.

Ibisabwa mbere na mbere

Mbere yo kugenda kuri banki, ugomba kuba warangiye intambwe z'ibanze zo kwandikisha ikigo. Muri rusange, ibi birimo:

• Kwiyandikisha ku buyobozi bw'ubucuruzi (SAMR): ugomba kuba ufite icyemezo cy'ubucuruzi (business license) kigaragaza izina ry'ikigo, ubwoko bwayo, n'umubare w'iyandikisha.
• Kwandikisha umusoro: ugomba kuba warahawe nimero y'umusoro n'icyemezo cy'umusoro.
• Gufungura ikigo mu buryo bwemewe: niba ari ikigo gifite abanyamigabane b'amahanga, ugomba kuba warujuje ibisabwa n'ubuyobozi bwa Leta bushinzwe ishoramari ry'amahanga (MOFCOM) cyangwa ubundi buyobozi bukwiye.
• Guhitamo banki: banki zikomeye nka Bank of China, ICBC, China Construction Bank, n'izindi zifite amashami menshi. Banki ntoya zishobora kugira serivisi zihariye ku bacuruzi b'amahanga, ariko ugenzure ubushobozi bwazo mu bijyanye n'imari y'amahanga.

Buri banki ishobora gusaba inyandiko zinyuranye, ariko hari ibintu bisanzwe bikunze gusabwa.

Inyandiko zisanzwe zisabwa

Uru rutonde ni rusange; banki ishobora kongera cyangwa kugabanya ibisabwa bitewe n'ubwoko bw'ikigo n'ubushobozi bwayo.

• Icyemezo cy'ubucuruzi (business license) mu ntibagirwa.
• Amasezerano y'ishingirwa ry'ikigo (articles of association) n'inyandiko z'iyandikisha.
• Indangamuntu y'umuyobozi mukuru n'abanyamigabane bose (pasiporo ku b'amahanga, indangamuntu ku b'abenegihugu).
• Icyemezo cy'aho ikigo giherereye (lease cyangwa icyemezo cy'ubutaka).
• Icyemezo cy'umusoro n'inyandiko z'iyandikisha ku musoro.
• Inyandiko z'eritu y'ubwishingizi bw'abakiriya (KYC) n'iyerekana aho amafaranga aturuka.
• Icyemezo cy'ububasha cy'umuntu ufite uburenganzira bwo gukora ku izina ry'ikigo (board resolution cyangwa power of attorney).
• Icyemezo cy'ubucuruzi bw'amahanga niba ari ngombwa (foreign trade operator registration).

Buri nyandiko igomba kuba ari mu rurimi rw'igishinwa cyangwa mu cyongereza gifite ubusobanuro bwemewe. Bamwe mu basaba ko inyandiko z'amahanga zisemurwa n'umusemuzi wemewe. Ibi biratwara igihe n'amafaranga; bitera ingendo.

Uko bikorwa uko bikurikirana

1. Gutegura inyandiko

Kusanya inyandiko zose mbere. Reba ko izina ry'ikigo kuri konti ari ryo ryonyine ryanditse kuri business license. Niba hari amakosa, banki izahagarika. Koresha dosiye imwe yuzuye kandi iteguye.

2. Guhitamo banki n'ishami

Hitamo banki ifite amashami mu mujyi wawe kandi ifite serivisi ku bacuruzi b'amahanga. Baza kandi niba banki ishobora gukora amafaranga y'amahanga (foreign currency) n'imari y'igihugu (RMB). Baza kandi uko bakora ku bijyanye na internet banking ku bakiriya b'amahanga.

3. Gusaba ko hasuzumwa

Jya ku ishami ufite inyandiko zose. Umukozi wa banki azasuzuma inyandiko, ashobora kubaza ibibazo ku ngingo y'ubucuruzi, abakiriya bawe, n'aho amafaranga aturuka. Ibi ntibisobanura ko hari ikibazo; ni akazi gasanzwe ka KYC. Bitegure gusubiza mu magambo asobanutse.

4. Kugenzura no kwemeza

Banki ishobora kohereza inyandiko ku buyobozi bw'ikigo cyangwa ku ishami ry'ibanze. Igihe gishobora kuba ibyumweru bike cyangwa amezi abiri cyangwa arenga. Ntukemeze ko bizakunda vuba; ba mwetegeye.

5. Gufungura konti no kuyikoresha

Nyuma yo kwemezwa, uzahabwa nimero ya konti n'ibikoresho byo kuyikoresha (nka token y'iyemeza). Menya amafaranga y'ibanze asabwa niba banki isaba ko ushyiraho amafaranga mbere yo gukora ibikorwa. Menya kandi uko ushobora gukora amafaranga ava mu mahanga n'uko wakira amafaranga.

Ingorane zikunze kubaho

Hari ibintu bikunze gutuma bikomera:

• Izina ritandukanye: izina ry'ikigo ku nyandiko zitandukanye rikwiye kuba rimwe. Niba hari itandukaniro, banki ishobora gusaba ibisobanuro by'inyongera.
• Abanyamigabane b'amahanga batagaragara: banki ishobora gusaba inyandiko z'ubwishingizi bw'abanyamigabane n'ubusobanuro bw'aho amafaranga yabo aturuka.
• Kubura icyemezo cy'aho ikigo giherereye: niba ikigo gikoresha aderesi y'ubwenge (virtual office), banki ishobora kutabyemera. Baza mbere.
• Kutagira umuntu uhagarariye ikigo: banki ishobora gusaba ko umuntu ufite ububasha yigaragaza ku ishami.
• Igihe kirekire: ntukore ibikorwa by'ubucuruzi utegereje ko konti ifunguka vuba. Tegura ibindi.

Inama z'ingirakamaro

Tangira kuganira na banki mbere yo kwandikisha ikigo, niba bishoboka. Baza urutonde rw'inyandiko zisabwa kuri iyo banki. Koresha umujyanama w'umwuga w'ubucuruzi mu Bushinwa, ariko menya ko we atari we ufite inshingano zo kwemeza konti. Kora kopi z'inyandiko zose kandi uzifate neza. Niba utazi igishinwa, jya ufite umusemuzi w'umwuga ku ishami. Kandi buri gihe, jya wibuka ko amategeko n'imisoro bihora bihinduka; amakuru ari muri iyi ngingo ni ayo rusange gusa kandi ntabwo ari inama y'amategeko cyangwa imisoro.

Umwanzuro

Gufungura konti y'ibanki y'ikigo mu Bushinwa birashoboka ku mufatanyabikorwa w'amahanga, ariko bisaba gutegura neza, inyandiko zuzuye, no kwihangana. Urufunguzo ni ugutegura mbere, gusobanukirwa ibisabwa na banki, no kuganira n'abajyanama b'umwuga. Ntukibagirwe: iyi ngingo itanga amakuru rusange gusa, kandi ugomba guhora uganira n'umunyamategeko cyangwa umujyanama w'imisoro w'umwuga mbere yo gufata ibyemezo.