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(cái)務(wù)，請(qǐng)警惕以下常見風(fēng)險(xiǎn)。

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(dòng)并要求轉(zhuǎn)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(bào)”投資： 對(duì)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(shí)通訊軟件發(fā)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(diǎn)擊聲稱來自銀行或平臺(tái)的未經(jīng)驗(yàn)證的短信或郵件鏈接。

Defense Tips | 防范要點(diǎn)

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

官方核實(shí)： 務(wù)必通過機(jī)構(gòu)的官方網(wǎng)站或客服熱線核實(shí)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(zhuǎn)賬： 任何合法的中國機(jī)構(gòu)都不會(huì)在電話中要求立即匯款。

2. Use Formal Financial Channels | 使用正規(guī)金融機(jī)構(gòu)

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

正規(guī)銀行業(yè)務(wù)： 請(qǐng)使用中國持牌銀行進(jìn)行開戶、匯款和投資。勿使用無照換匯服務(wù)。

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

了解產(chǎn)品條款： 在購買任何金融或保險(xiǎn)產(chǎn)品前，請(qǐng)確保您完全理解其條款、風(fēng)險(xiǎn)和費(fèi)用。

Defense Tips | 防范要點(diǎn)

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

核查資質(zhì)： 確認(rèn)您使用的金融機(jī)構(gòu)擁有中國監(jiān)管機(jī)構(gòu)（如國家金融監(jiān)督管理總局、中國人民銀行）頒發(fā)的牌照。

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

仔細(xì)閱讀合同： 請(qǐng)不要簽署任何您未完全理解的合同或協(xié)議。

3. Protect Your Personal Information | 保護(hù)個(gè)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(hù)照、居留許可證和銀行卡。僅在絕對(duì)必要時(shí)提供復(fù)印件。