FDI Capital Account Opening Compliance Guide

FDI 资本金账户开立合规指南

FDI Capital Account Opening Compliance Guide

FDI 资本金账户开立合规指南：新公司法规则、资金来源核查与银行尽调解决方案

FDI Capital Account Opening Compliance Guide: New Company Law Rules, Capital Source Verification & Bank Due Diligence Solutions

自修订后的中国《公司法》于 2024 年 7 月 1 日正式生效以来，所有新设外商投资企业均须在 5 年内完成实缴出资。对境外投资者而言，开立合规的 FDI 资本金账户已成为实缴出资的必经且门槛较高的环节，同时也因外汇局和银行的严格审核标准而成为最容易被拒的环节之一。

Since the revised China Company Law officially took effect on July 1, 2024, all newly incorporated foreign-invested enterprises are required to complete full capital contribution within 5 years. For overseas investors, opening a compliant FDI capital account has become a mandatory and high-threshold procedure for capital paid-in, and it is also one of the most easily rejected links due to strict forex bureau and bank verification standards.

普通的公司基本账户无法接收境外股权注资。只有专用的 FDI 资本金账户才被法律允许用于外资认缴与实缴出资记录。

A regular corporate basic account cannot receive overseas equity injection. Only a dedicated FDI capital account is legally permitted for foreign capital subscription and paid-in capital recording.

✅ 2024 年后新设 FDI 企业的核心政策更新

✅ Core Policy Update for Post-2024 FDI Entities

2024 年 7 月 1 日之后注册的所有外商投资公司均适用 5 年内全额实缴出资的新规。

All foreign-invested companies registered after July 1, 2024 are subject to the new 5-year full capital contribution rule.

资金注入必须通过正式的 FDI 登记、外汇备案以及专用资本金账户结算完成。

Capital injection must go through official FDI registration, forex filing, and dedicated capital account settlement.

资金来源证明不规范或备案记录不完整，将导致注资失败和企业合规异常。

Unstandardized capital source proof or incomplete filing records will lead to capital injection failure and enterprise compliance abnormalities.

✅ 关键差异：机构投资者与个人投资者的资金核验

✅ Key Differences: Corporate Investors VS Individual Investors Capital Verification

对于境外机构投资者，银行会严格审核业务真实性，要求提供母公司财务报表、跨境银行流水以及真实的供应商与客户合同文件，以证明合法的投资背景。

For overseas corporate investors, banks strictly verify business authenticity, requiring parent company financial statements, cross-border bank flow records, and genuine supplier & client contract files to prove legitimate investment background.

对于境外个人投资者，资金来源追溯审查更为严格。个人银行流水、稳定的工资收入记录以及合法的分红证明，是规避资金来源不明风险的核心材料。

For overseas individual investors, capital traceability review is more rigorous. Personal bank statements, stable salary income records, and legal dividend certification are core supporting materials to avoid unidentified capital source risks.

✅ 银行尽调的主要瓶颈与面谈风险

✅ Major Bank Due Diligence Bottlenecks & Interview Risks

FDI 资本金账户开立涉及强制性的银行现场尽调面谈。

FDI capital account opening involves mandatory bank onsite due diligence interviews.

投资者若无法合理说明投资目的、清晰地解释资金来源并完整描述行业背景，将面临申请被直接拒绝。

Investors failing to provide reasonable investment purpose, clear capital source explanation and complete industrial background description will face direct application rejection.

许多新外资投资者因文件逻辑不一致、资金追溯证明不足，或面谈现场应对不专业而遭遇拒批。

Many new foreign investors encounter rejection due to inconsistent document logic, insufficient capital traceability proof, or unprofessional on-site response during bank inquiries.

✅ 我们的标准化合规方案与全流程支持

✅ Our Standard Compliance Solution & Full-process Support

我们为机构及个人境外投资者提供专业的双语文件优化和全套材料合规预审。

We provide professional bilingual document optimization and full-set file compliance pre-review for both corporate and individual overseas investors.

我们模拟真实银行尽调场景，提供标准化问答指引，并针对专业商业背景应答对客户进行培训，消除面谈拒签风险。

We simulate real bank due diligence scenarios, deliver standardized Q&A guidance, and train clients on professional business background responses to eliminate interview rejection risks.

我们的团队提前梳理全部合规文件、校准逻辑一致性，并全程跟进直至 FDI 登记获批、资本金账户成功开立。

Our team sorts all compliance documents in advance, calibrates logical consistency, and follows up the whole process until FDI registration approval and capital account successful opening.

掌握新《公司法》实缴规则、完成标准化的资金来源追溯、通过严格的银行尽调，是新设外资企业合规完成 FDI 资金注入的三大核心关键。

Mastering the new Company Law capital paid-in rules, completing standardized capital source traceability, and passing strict bank due diligence are the three core keys for compliant FDI capital injection for newly established foreign enterprises.

如您需要 FDI 登记、资金来源核验或银行尽调准备方面的专业合规指导，欢迎私信我们获取完整政策咨询。

If you need professional compliance guidance for FDI registration, capital source verification, or bank due diligence preparation, welcome to DM us for full policy consultation.

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