2025.12. 15 本文字数：3375，阅读时长大约6分钟 作者 | 第一财经 王方然 钱转出去了，想转回来却成了难题。 王腾飞看着香港账户里的数字发呆，年初港股打新的盈利、加上多年的积蓄，足够付一套婚房的首 付，但当他尝试将资金转回内地时，却发现并不简单：这笔钱超过个人每年5万美元的换汇额度，需 要分年操作；如果留在香港，当地存款利率已不再具有优势。 "钱明明在那里，却不知道该怎么安全地拿回来。"他苦笑道。 过去几年，在内地居民资产配置多元化与跨境业务拓展的需求驱动下，赴境外尤其是香港开设银行账 户一度蔚然成风。境外账户似乎意味着更自由的资金流动，但实际操作中，从转入到转出，每一步都 可能遇到意想不到的障碍。资金损耗、地区规则差异，甚至账户冻结，形成了一张隐形的成本网。 与此同时，针对跨境资金流动的监管也进一步趋严。2026年1月1日起，针对跨境汇款业务，单笔人 民币5000元或外币等值1000美元以上汇款，需核实汇款人信息的准确性。近期，内地客户赴港开户 难度也在增加，且部分银行针对2026年非香港身份证新开户账户或将加收管理费。 尽管政策初衷在于风险防控，并未直接调整个人外汇额度，但其传递的审慎信号 ...

Core Viewpoint - The surge in demand for Hong Kong bank accounts is driven by the recovery of the Hong Kong stock market, cross-border wealth management needs, and high talent programs, making Hong Kong bank accounts a vital link to international markets [1][4]. Group 1: Challenges in Opening Accounts - Mainland users face significant difficulties in scheduling appointments and waiting in line when applying for Hong Kong bank accounts [3][8]. - Most intermediaries indicate that proxy applications are no longer feasible, and clients must visit Hong Kong in person, although they can provide guidance and strategies for the process [5][11]. Group 2: Market Trends and Opportunities - Since 2024, there has been a noticeable increase in mainland users traveling to Hong Kong for bank card applications, with a continued rise in interest into 2025 [4][18]. - The number of new private clients at HSBC Hong Kong increased from 130,000 in Q1 2024 to 300,000 in Q1 2025, indicating a growing trend in account openings [18]. Group 3: Role of Intermediaries - A new wave of intermediaries has emerged to assist clients with the account opening process, offering services ranging from appointment scheduling to full guidance [5][7]. - Intermediaries are categorized into two types: those providing accompanying services and those with close ties to banks, some claiming to facilitate account openings without clients needing to visit Hong Kong [5][12]. Group 4: Financial Incentives - The interest in opening Hong Kong bank accounts is partly due to the higher interest rates on savings and investment products compared to mainland offerings, with some Hong Kong banks offering rates above 3.5% for USD deposits [19][20]. - The Hong Kong Monetary Authority reported a 7.09% increase in total deposits and a 14.24% increase in USD deposits in 2024, highlighting the attractiveness of Hong Kong's financial products [19]. Group 5: Regulatory Environment - The regulatory environment for opening accounts in Hong Kong has become stricter, with banks requiring proof of identity, address, and minimum deposit amounts [20][21]. - Frequent large transactions or long periods of inactivity can attract regulatory scrutiny, leading to potential account freezes or investigations [21].