现在要开一个香港银行账户没那么容易，自己申请开户，不买理财也不找代理推荐，基本上都是开不到银行账户的。而对于已经有开到银行账户的，很多时候在日常使用中不注意维护，很可能会面临银行账户被关闭的风险。
<h3><a id="_4"></a>香港银行账户被关闭有以下原因：</h3>
1.账户长期不使用
银行账户如果长时间不使用，没有交易记录的话，那么将会被银行列入“僵尸户”（指长期不使用也不注销的银行账户），从而导致被强行关闭。
2.未及时处理银行调查信
由于金融风险的管控，银行每年都会发出调查信给账户持有人，以便及时更新账户背景调查资料，如果没有在银行规定时间内回复，把要求的资料提交，那么账户同样也会被强行关闭。
3.与敏感地区交易
敏感地区多半是政治动乱或经济不发达的国家，如果与此类国家发生交易，那么将会被银行怀疑该笔交易资金来源异常，涉及非法行为，从而导致关户。
4.账户金额快进快出
有些客户在收到款项后，常常会在第一时间内转出，其实最好留存几天，不然在同一时间内转进转出的话，很容易被银行注意到，并怀疑是洗钱行为，从而被冻结。
5.香港公司每年不按规定进行年审、审计
香港公司的年审文件，以及税务申报的文件，是银行每年定期抽查的必要文件，如果被银行发现该香港公司没有进行年审或审计报税，那么将会直接冻结该银行账户。
6.账户借给他人代收代付
如果在别人资金来源不明的情况下而借给他人使用的话，万一从事的是黑色行业，那么除了账户被强行关闭之外，自身还会有连带责任。
7.频繁公对私转账
正常来说，公司账户是很少会与个人账户发生交易关系的，如果公司账户频繁对私人账户转账，且金额较大的话，那么将会有很大可能引起银行方面的注意，从而被冻结或关闭银行账户。
如有任何疑问，欢迎私信BiyaPay团队进行交流！

Now to open a Hong Kong bank account is not so easy, their own application to open an account, do not buy financial management and do not find an agent to recommend, basically can not open a bank account. For those who have already opened a bank account, many times they do not pay attention to maintenance in daily use, and are likely to face the risk of their bank account being closed.
Hong Kong bank accounts are closed for the following reasons:
1.The account is not used for a long time
If a bank account is not used for a long time and there is no transaction record, it will be listed as a “zombie account” by the bank (refers to a bank account that is not used for a long time and is not cancelled), resulting in forced closure.
2.Failure to process bank investigation letters in a timely manner
Due to the control of financial risks, the bank will issue an investigation letter to the account holder every year in order to update the account background investigation information in a timely manner. If the bank does not reply and submit the required information within the prescribed time, the account will also be forcibly closed.
3.Deal with sensitive areas
Sensitive areas are mostly political unrest or economically underdeveloped countries, if there is a transaction with such countries, then the bank will suspect that the source of funds for the transaction is abnormal, involving illegal acts, resulting in the closure of accounts.
4.Account amount quickly in and out
Some customers after receiving the money, often in the first time to transfer out, in fact, it is best to stay for a few days, otherwise at the same time to transfer in and out, it is easy to be noticed by the bank, and suspected of money laundering, so as to be frozen.
5.The Hong Kong company does not conduct annual audit and audit in accordance with regulations
The annual audit documents of the Hong Kong company, as well as the tax declaration documents, are the necessary documents for the bank to conduct regular spot checks every year. If the bank finds that the Hong Kong company has not conducted annual audit or audit tax return, it will directly freeze the bank account.
6.The account is lent to others for collection and payment 
If you lend money to others without knowing the source of their funds, in case you are engaged in a black industry, you will be jointly and severally liable in addition to having your account forcibly closed.
7.Frequent public to private transfers
Normally, the company account will rarely have a transaction relationship with the personal account, if the company account frequently transfers money to the private account, and the amount is large, then it will be very likely to attract the attention of the bank, thereby freezing or closing the bank account.
If you have any questions, please contact BiyaPay team!

银行账户被关闭的原因有哪些？

香港银行账户被关闭有以下原因：

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