I am in Guangzhou. Every time a customer sends money, it is from Hong Kong. Because our company doesn't have a foreign exchange account, I want to open a personal account in Hong Kong to collect money. Is it okay? It is suggested to open a foreign exchange account in a domestic bank and collect the money.

Although it is convenient to open an account in Hong Kong, there are several problems:

1, Hong Kong account or overseas account, unless you leave foreign exchange abroad, you still need to remit it after opening an account in China, which is equivalent to an extra link;

2. At present, individuals under the foreign investment management policy are not allowed to open accounts abroad, which has problems of compliance and legality;

3. Overseas direct remittance can be properly declared and settled according to the payment, and it is difficult to explain the legal source through your personal account abroad;