Financial Risk Tips for Foreign Nationals 外籍人士金融風險提示

Dear Foreign Nationals and Friends,

各位外籍人士及朋友們：

To help you safely manage your finances in China, please be aware of the following common risks.

為幫助您在中國安全地管理財務，請警惕以下常見風險。

1. Beware of Financial Scams | 警惕金融詐騙

Impersonation Scams: Be wary of calls claiming to be from the police, embassy, or bank, accusing you of illegal activities and demanding money transfers.

假冒詐騙： 警惕自稱警方、使館或銀行的來電，指控您涉嫌非法活動并要求轉賬。

"High-return" Investments: Be skeptical of promises of guaranteed high returns on investments, especially through non-official social media or messaging apps.

“高回報”投資： 對承諾保本高收益的投資（尤其是通過非官方社交媒體或即時通訊軟件發起的）保持懷疑。

Fake "Customer Service": Do not click on links from unverified text messages or emails claiming to be from banks or platforms.

假冒“客服”： 切勿點擊聲稱來自銀行或平臺的未經驗證的短信或郵件鏈接。

Defense Tips | 防范要點

Verify Officially: Always contact the institution through their official website or customer service hotline to verify any request.

官方核實： 務必通過機構的官方網站或客服熱線核實任何要求。

Never Transfer Money Under Pressure: No legitimate Chinese authority will demand immediate wire transfers over the phone.

切勿迫于壓力轉賬： 任何合法的中國機構都不會在電話中要求立即匯款。

2. Use Formal Financial Channels | 使用正規金融機構

Formal Banking: Use licensed banks in China to open accounts, remit money, and make investments. Do not use unlicensed money changers.

正規銀行業務： 請使用中國持牌銀行進行開戶、匯款和投資。勿使用無照換匯服務。

Understand the Product: Before purchasing any financial or insurance product, make sure you fully understand the terms, risks, and fees.

了解產品條款： 在購買任何金融或保險產品前，請確保您完全理解其條款、風險和費用。

Defense Tips | 防范要點

Check Licenses: Confirm that the financial institution you are using is licensed by Chinese regulators (e.g., CBIRC, PBC).

核查資質： 確認您使用的金融機構擁有中國監管機構（如國家金融監督管理總局、中國人民銀行）頒發的牌照。

Read Contracts Carefully: Do not sign any contract or agreement you do not fully understand.

仔細閱讀合同： 請不要簽署任何您未完全理解的合同或協議。

3. Protect Your Personal Information | 保護個人信息

Safeguard Documents: Keep your passport, residence permit, and bank cards secure. Only provide copies when absolutely necessary.

保管好證件： 妥善保管您的護照、居留許可證和銀行卡。僅在絕對必要時提供復印件。