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(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(guī)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(guī)銀行業(yè)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(jiān)管機構（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.

仔細閱讀合同： 請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。