Kamap pinis ยท Papua New Guinea
Opim Akaut Bank Bisnis long Saina
Gaid praktikal long Tok Pisin bilong ol founder bilong Papua New Guinea i laik opim akaut bank bilong kampani long Saina: wanem dokument i nid, olsem wanem proses i wok, na ol samting bilong lukautim.
Dispela artikel i givim ol general information tasol. Em i no legal advais na i no tax advais. Ol lo na polisi bilong bank i ken senis, na ol bank i gat ol difren lo na risait bilong ol yet. Sapos yu laik mekim desisen, yu mas tokim wanpela lawyer, accountant o bank officer bilong Saina.
1. Wanem samting yu mas save paslain
Long Saina, wanpela kampani i no inap opim akaut bank olsem wanpela man yet. Akaut bilong kampani i mas op long nem bilong kampani (legal entity), na bank i laik lukim ol dokument i soim olsem kampani i stap legal na husat i gat pawa bilong bosim akaut.
Ol bank bilong Saina i gat ol difren kain akaut. Wanpela kampani bilong Papua New Guinea i ken kam olsem:
- Wanpela kampani bilong Saina (olsem wholly foreign-owned enterprise, WFOE) i bin rejista long Saina. Dispela i stap long aninit bilong lo bilong Saina.
- Wanpela branis o representatif ofis bilong kampani bilong Papua New Guinea i bin rejista long Saina.
- Wanpela akaut bilong kampani i stap long ausait (offshore account) long wanpela bank i gat ofis long Saina, tasol dispela i no wankain olsem lokal akaut.
Long planti keis, yu mas kisim wanpela lisens bilong bisnis, rejistresen bilong tax, na stamp bilong kampani paslain long yu inap go long bank. Ol bank i no save opim akaut sapos kampani i no gat ol dispela samting.
2. Ol dokument yu mas redi
Ol bank i gat ol diferens lis, tasol ol dispela samting i save kamap long planti lista:
- Pas bilong rejistresen bilong kampani (business licence) na sertifiket bilong rejistresen.
- Ol atikel bilong kampani (articles of association) na ol dokument bilong lainim kampani.
- Pas bilong tax (tax registration) na bank akaut bilong kampani sapos i gat.
- Stamp bilong kampani (company seal), sapos bank i laikim.
- Pas bilong ol direkta na ol man i gat pawa bilong mekim senis long akaut: passport, ID, na pruf bilong adres.
- Pruf bilong adres bilong kampani: kontrak bilong rent, bil bilong elektrik o wara, o wanpela leta from landlord.
- Ol dokument i soim olsem husat i gat pawa long toktok long nem bilong kampani (board resolution).
- Sapos kampani i bilong ausait: ol dokument i soim olsem kampani i stap legal long Papua New Guinea, olsem sertifiket bilong rejistresen na pruf bilong ol shareholde.
Planti bank i laikim tu ol translation long Saina bilong ol dokument bilong ausait. Yu mas yusim wanpela translation kompani i gat rekot, na bank i ken askim long wanpela notari i givim stamp.
3. Olsem wanem proses i wok
Step 1: Kisim ol lisens na rejistresen
Pastaim, kampani i mas stap legal long Saina. Sapos yu no gat kampani yet, yu mas wok wantaim wanpela lokal agent o lawyer bilong rejista wanpela WFOE o branis. Dispela i ken kisim taim, na ol bank i no inap opim akaut pastaim.
Step 2: Makim wanpela bank
Yu no mas makim bank long rot tasol. Yu mas askim ol dispela kwestin:
- Bank i gat sevis bilong ol kampani bilong ausait?
- Wanem minimum deposit na wanem fee i stap?
- Bank i gat online banking long Inglis?
- Bank i gat ofis klostu long ples bilong yu?
- Olsem wanem bank i save lukautim ol transaksen bilong ol man i stap long ausait?
Ol bank i gat ol difren polisi long ol transaksen bilong ausait, olsem ol pem i kam long Papua New Guinea. Yu mas tok klia long dispela paslain.
Step 3: Go long bank wantaim ol dokument
Planti bank i laikim olsem ol direkta o ol man i gat pawa i go yet long ofis bilong bank. Sampela bank i ken larim wanpela man i go wantaim pawa bilong wakil (power of attorney), tasol dispela i no save wankain long olgeta bank.
Long ofis, bank i ken askim ol kwestin long bisnis bilong yu: wanem yu save mekim, husat ol kastoma bilong yu, na we na olsem wanem ol mani i kam insait na go ausait. Ol dispela kwestin i bilong helpim bank i save long bisnis bilong yu (know your customer).
Step 4: Wetim approvel
Bank i no save givim akaut long sem de. Ol i ken nidim taim bilong checkim ol dokument na ol man. Yu mas redi long wet na long givim ol samting i stap yet sapos bank i askim.
Step 5: Aktivetim akaut na lainim ol tool
Taim akaut i op, yu mas lainim ol man bilong yu long olsem wanem long yusim online banking, olsem wanem long mekim pem, na olsem wanem long lukautim ol rekot. Ol bank i save givim ol token o app bilong sekuriti; yu mas lukautim ol dispela gut.
4. Ol samting bilong lukautim
- Rekot bilong ol transaksen: Yu mas lukautim ol rekot bilong ol mani i kam insait na go ausait. Dispela i helpim long tax na long ol askim bilong bank.
- Ol man i gat pawa: Yu mas save husat i ken mekim senis long akaut. Sapos wanpela man i lusim kampani, yu mas senisim pawa kwiktaim.
- Ol fee: Ol bank i gat fee bilong akaut, bilong transaksen, na bilong ol sevis. Yu mas askim long olgeta fee paslain.
- Ol lo bilong mani i kam long ausait: Ol lo bilong Saina long ol transaksen bilong ausait i save senis. Yu mas askim wanpela accountant o lawyer long taim yu mekim ol bikpela transaksen.
- Ol pas bilong kampani: Yu mas lukautim ol pas bilong kampani long wanpela ples i safe. Ol bank i ken askim long lukim gen sapos i gat wari.
5. Ol kwestin yu mas askim bank
Bipo yu putim han long pepa, askim ol dispela kwestin:
- Wanem dokument i nid long opim akaut bilong kampani bilong ausait?
- Husat i mas kam yet long ofis?
- Wanem minimum deposit na wanem fee?
- Olsem wanem long kisim mani long Papua New Guinea?
- Olsem wanem long senisim ol man i gat pawa long akaut?
- Wanem taim bank i save klosim akaut sapos i no gat transaksen?
6. Tok bilong pinis
Opim akaut bank bisnis long Saina i no hat tumas sapos kampani i stap legal na ol dokument i redi. Tasol yu mas wok wantaim ol man i save long lo na tax bilong Saina, na yu mas askim bank long olgeta samting paslain. Dispela artikel i general information tasol; em i no legal o tax advais. Ol lo na polisi bilong bank i ken senis, olsem na yu mas checkim olgeta samting wantaim wanpela profesonal bilong Saina paslain long yu mekim desisen.