Financial Risk Tips for Foreign Nationals 外籍人士金融风险提示

Dear Foreign Nationals and Friends,

各位外籍人士及朋友们：

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

为帮助您在中国安全地管理财务，请警惕以下常见风险。

1. Beware of Financial Scams | 警惕金融诈骗

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

假冒诈骗： 警惕自称警方、使馆或银行的来电，指控您涉嫌非法活动并要求转账。

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

“高回报”投资： 对承诺保本高收益的投资（尤其是通过非官方社交媒体或即时通讯软件发起的）保持怀疑。

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”： 切勿点击声称来自银行或平台的未经验证的短信或邮件链接。

Defense Tips | 防范要点

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

官方核实： 务必通过机构的官方网站或客服热线核实任何要求。

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

切勿迫于压力转账： 任何合法的中国机构都不会在电话中要求立即汇款。

2. Use Formal Financial Channels | 使用正规金融机构

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

正规银行业务： 请使用中国持牌银行进行开户、汇款和投资。勿使用无照换汇服务。

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

了解产品条款： 在购买任何金融或保险产品前，请确保您完全理解其条款、风险和费用。

Defense Tips | 防范要点

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

核查资质： 确认您使用的金融机构拥有中国监管机构（如国家金融监督管理总局、中国人民银行）颁发的牌照。

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

仔细阅读合同： 请不要签署任何您未完全理解的合同或协议。

3. Protect Your Personal Information | 保护个人信息

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

保管好证件： 妥善保管您的护照、居留许可证和银行卡。仅在绝对必要时提供复印件。