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How to choose a bank to offshore?

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Unambiguous advice on how to determine the financial soundness of the bank, can be given. If we consider the theory that there is more than a dozen methods of financial analysis. Many are guided by all sorts of ratings, which are regularly published in magazines and online. In some regions there are local ratings. All of them are made based on the annual financial statements that banks are obliged to publish in accordance with the law.

Most of the ratings takes into account primarily the size of the total assets of banks or their growth. However, a large and reliable bank - this is not the same thing. Some analysts are trying to make ratings of banks in financial stability, but is unlikely to explain the accountants that the official balance sheet does not always reflect the real situation. So the rating can be used, but not for definitive diagnosis of the financial condition of the bank, but only as an initial assessment, from which to continue. For example, it is clear from the ranking, is the chosen bank to large, medium or small.

Often, bank stability depends on who is in his leadership and what he has ties to the government or local administration. Especially important are "shadow" factors and reputation of the bank in the financial sector. Unfortunately, the published ratings do not take into account. Obtain such information you will own. For example, if the bank is authorized municipal bank in the city, state or province, that is, through it conducts all of its local government payments, then the financial stability of the bank can be no doubt, at least until the next election.

Difficult? Then a simple rule is - choose a bank in Europe, while 99% of all the above qualities are present, and assure you none of your partners will never ask the question, why do you have an account in European bank - it's logical that you chosen large, reliable and expensive bank for his business, which without a doubt a 100% legal, as is well known that for circuit calculations European banks - not the best choice.

Therefore, if the task is before you sell faster and more expensive - Choose a bank in Western Europe for trading!

Fast, cheap and close

In addition to reliability, another important point - offered by the bank fees for services, as well as the interest that accrues on the bank balance on the account. For example, some Swiss banks may ask you to keep a significant balance of funds in the account, if you wish to be served in this bank (especially if they knew about the Slavic origins of money), and these conditions are not fit all. Small businesses to work with such a "monster" is unprofitable: and credit hard to obtain, and for the service have to pay more than other banks. Baltic same banks, by contrast, more loyal to customers from the CIS and are willing to work with almost any client with minimal fees and requirements for the account balance.

True, and the bank itself, in this case is interested in the rich clients, for which there are flexible prices and individual approach to almost all issues. A large enterprise with high turnover of any bank will serve best: meet at a convenient time for the customer and not in the main hall, and in a separate room. And if the organization does not fall in the number of these most VIP-lucky, but the response on the part of bank employees really want? And it is quite possible, but must apply to small banks or branches, making such large-scale, where the customer is not enough.

How to choose a reliable bank - this phrase reflects the true essence of the problem, but as a template, even ashamed to put it in the headline.

Bank deals reporting and publishes it on the official site. When the full extent of inspections necessary to ascertain: reports can still be drawn. Moreover, the reports can be really good, but the bank can burn or be closed for other reasons - for reasons of economic and accounting nature.

Some confidence to the client of the bank may give personal informal relationships with the bank, such as familiarity with the head. Actually, on this rather than on transparent reporting, and all hope. You never know, suddenly you get into the routine investigation of Interpol, or similar organizations. It is hoped that the Chairman of the Board per hour X will call and say: "You know, do not ask anything, clears your account and go from our bank ... and good luck to you in business!". But this, of course, highly non-systemic hope, but nevertheless the principle of "Know your banker is not less important principle of" Know Your Customer. "

Keep in mind that mutual interest in each other, usually occurs after a $ 1.000.000 (or euros) monthly turnover (or balance) of your account at the same time as interest in your company and the operation of fiscal and financial monitoring of the country where the bank is located (except for offshore countries - here you will communicate and discuss the nuances exclusively with the owners of the bank). Here, in this case is highly recommended that the parties to meet personally and discuss the special conditions of service, the mechanism osuschestveleniya large payments and receive funds from countries that are in black and gray banovskih lists.

So although informal contacts and can give the client the probable protection against losses at the close of the bank, but it is better to have left any formal instruments of the early recognition of future trouble. Let's try to enumerate the most obvious of them.

Rating reliability features of your bank

1. The financial statements of the bank. Of course, it can be such a criterion, one of the most obvious. If we are reporting is bad, then the risk is huge, it's understandable. But, as already stated, the financial statements does not close all the risks of service with the bank. The Bank may gasp, and for reasons not related to its economic or accounting policies. This may be a crime, it could be war owners, it could be a political collision with the state to the owners and a lot more then. Analysis of financial statements and economic policies of the bank does not close all the risks.

2. The shareholders. It is very important and significant criteria. We can consider several models for analysis. For example, the composition of shareholders is closed or there is enough there are obscure owners. This is the reason for some concern. Who knows how they see the problem and the future of his bank ...

Against this background, looks like a winning owner or co-owner, as a state. But with the state is another matter - entering into any business, it can rarely give good service. Since the state can be a problem and a different plan. If the owner-state, for whatever their reasons, suddenly decides to reform or disband the bank, then, knowing the history of the state's attitude towards their own people, we can assume that the problems of bank customers, the more legal entities, thus are unlikely to be at the heart. So here, in addition to low service and high level of bureaucracy, there may be some risks of unreliability of the bank.

And finally, the owner of the bank may be foreigners. We can assume that they will be quite meticulous in the choice of owners and try to avoid a partnership with obscure actors who practice obscure life values. Yeah, anyway, - a bank with foreign participation is theoretically covers criminal risks, but still likely to provide modern technology and a normal service. However, there are certain risks associated with government policy towards foreigners.

3. The value of the bank. It is clear that the larger the bank, the more reliable. However, this criterion is also non-absolute.

4. Conservatism in the bank. From the standpoint of evaluating the reliability of this criterion is quite important. After all, if a bank is more risky policy, for example, attracts money at high interest rates, then such a policy could include both economic and criminal risks. Conservative bank, at a minimum, its policy confirms its intention to sit in his place, and tomorrow, and after the day after tomorrow.

Downside - a bank may be ineffective, because success in the competition still connected with the necessity of risk. So too conservative bank can simply play the market and go broke. In other words, a conservative policy of the bank says something about the mentality and aspirations of its owners (they do not like to risk), but says absolutely nothing about the ability of the bank to earn a living. So that in itself conservatism - non-absolute reliability test.

5. Transparency or fashionably transporentnost and active public bank. Here is the criterion by Western standards seem to have to testify about the reliability of the bank.

US Sheck System. European Terrorist List. Anti-Money Loundering Policy. American Patriot Act. Know You Client Policy. FinDNA

After the events of 2001 in the banking sector, many new terms that are usually put in an awkward position as a banker so their customers. After weighing all the pros and cons, it was decided in a certain limitation of bank secrecy and personal freedom in order to combat terrorism finasirovaniem. Became the basis for American Patriot Act, in which rezultae in U.S. banks has been introduced so named Sheck System, - database, which allows any employee of the bank is satisfied reliability of any firm or grazhnanina U.S., as well as containing a white, gray and black list of companies and banks all over world. A similar system operates in Europe. As a rule, fall under the monitoring of payments in excess of $ 10,000 or its equivalent, payments over $ 250 tis. in the country's banks and gray list, usually require a visa Higher Management, Bank, and in some cases, additional justification for such payment customers.

Payments in the country, banks and companies from the "black list" of European and American banks are generally not carried out without prior notice to the tax service and financial monitoring body of the country in which you registered service bank. In some cases, the bank must obtain the approval of the authorized state agency - for example, your company will be quite difficult to make a payment to your account with a European counterpart, such as in Iran or a third world country, not poddezhivayuschuyu FATF recommendations without good reason.

Blacklists of banks - this is a very conditional terms, that is, in fact, advisory and auxiliary character for the bank to adopt a final decision on the payment, but nevertheless, they are accounted for in the practice of banks almost always. Another question is the extent to which these guidelines will apply to you as a customer of the bank.

Therefore, you must also take into account the pre-negotiate with the bank a list of standard and contractors and the types of payments to which you intend to work constantly to avoid misunderstandings and delays in payments in the future.

In some cases, access may be open two accounts: one in a European bank, and another - in the Baltic Sea or offshore, which will set a much smaller "questions" about your kontagentov and substance of business transactions. Failure to comply with the recommendations of the bank or the bank providing incomplete or inaccurate information may result in suspension of service and closing bank accounts.

How the banking system checks after 2001? Why offshore to choose not to work?

The level of automation of business processes in Western banks is much higher than those you are accustomed to seeing in the CIS. Our bodies are monitoring this can only be the sword - in fact, the freedom of payments and banking secrecy in the CIS is much higher than in the U.S. and Europe

If you decide to withdraw at any European or American bank more than $ 10000 nalichnymy - then you immediately ENTERED into the database of "suspicious" and before the grant money, will require careful obyasleny, why you such a huge amount "in cash". It is not forbidden, but not accepted in Europe and the U.S., and therefore relevant to you at the bank may change significantly after this event.

Just because a bank to withdraw money can not - and in the CIS is still possible, just pointing out the check "for the purchase of goods" - we have until it is perceived as normal. You still do not have to explain to the tax inspector, where they took the money to buy another Bentley, even if you bought it for cash. We asked the Western bankers, which list is Ukraine? "Not even in gray, and the number" as a candidate for the poor ", ie" 2 "on a five-point scale - here on this and the same attitude towards all our fellow citizens and companies "on upolchaniyu. Reasons - set out above, the FATF recommendations we make only a partial, indirect methods of determining the income of individuals do not act. As a consequence - every Slavic surname or legal person resident in the CIS contract is viewed with some predubezhneniem and Western bankers need dostochno long to prove that you are worthy business partner and're an honest business that is not associated with corruption, kotrabandoi and other prohibited activities.

As a rule, according to the interbank instructions before you spend according to your instructions transfer, an employee of the West Bank is obliged to make controlling a telephone call to the appropriate specialist service check (in different countries it is called differently - in fact it is the most current on-line database of information about "problematic" individuals and entities, banks and countries), and verify information about your new counterparty predment finding it in various "checklists". If your contractor - a company resident of the EU or the U.S., in most cases the software is installed ( AML system ) automatically performs check your billing information on interbank basis - information on all suspected cases and operations of enterprises and individuals, and usually is open to All employees of the bank or financial institution. After a certain amount (for example, after 250 tis.evro - depends on the bank and the country) in any case, the request is duplicated on the reliability of the phone. There are so-called Wolfsberg Principles , which in one way or another are used by banks for internal razraboke instuktsy verification of clients and fees.

Similar checks are taking place all incoming payments made to your account - in the case of income from unreliable source of all funds in the account may be locked "to find out." Please note that not only the donation received, namely, all funds, that's why Western bankers should carefully select business partners and not to confuse the offshore and European payments.

Incidentally, this is the reason for refusing to cooperate with your company's Western partners, if you expose the American or European company invoice from Panamanian offshore with a score in the Baltic bank. In most cases they simply refuse sotrudinichestva with you than to give many explanations of their tax - image and reputation is more expensive. And you'll save on European kompaanii - have lost a business partner and as a minimum, have shown their nekompetenstost, putting "bad" in terms of business ethics invoice.

Prior to receiving confirmation of the software simply does not allow for payment in a series of black and gray list, even if the bank employee wanted to "abuse" of her office. If the amount claimed is not typical of your everyday operations, additionally obtained approval rukovoditetelya of Operation of the settlement, etc. to the level of leadership, depending on the amount of payment. If an indication of the funds are transferred through the client-bank, then after a certain amount representative of the bank is obliged to call back to the account holder or his authorized representative and obtain usnoe confirmation if this is specified, then an additional payment system can be duplicated by fax. These measures also allow the well to protect your account from potential fraud and loss of passwords.

Which bank secure: Swiss or offshore?

The answer to this question depends on the goals that you intend to implement, opening a bank account. Compare the European bank with an offshore reasonable - similar AML system automatically checks are also used and are considered in making payments. The only difference is more than loyalty to a particular payment of an offshore bank, because the recommendations are not a rule or a clear obligation. А тем более если страна,═в которой находится оффшорный банк,═не полностью выполняет международные рекомендации "по противодействию",═считая эти меры нарушением личной свободы своих граждан - в бизнесе все оценивается с точки зрения "выгодно-невыгодно",═просто порядок цифр может значительно различаться.

Если перераспределить функции банков,═то европейские больше подходят для расчетных и инвестиционных операций,═а оффшорные банки - для сберегательных и трастовых и каждый из них является необходимым и неотъемлемым элементом мировой финансовой банковской системы. Причем оффшорный банк после событий 2001 года является,═как правило,═ не менее надежным,═чем европейский либо американский.

Принцип " Знай своего банкира " или KYB не менее важен,═чем традиционный KYC,═если Вы уже относите себя к среднему и крупному бизнесу и планируемые обороты по счету в месяц превышают некоторую условную сумму,═наприме $1.000.000.

Преимущества счетов в зарубежном банке

  • Высокий уровень конфиденциальности. В стране, где открыт счет, Ваши активы никого не интересуют, а процедура передачи финансовой информации органам других стран сильно затруднена или вовсе невозможна.
  • Возможности свободного инвестирования средств,
  • Снижение финансовых рисков за счет диверсификации и более высокой надежности иностранных банков.
  • Снижение политических рисков.
  • Свобода использования средств.

Для граждан Украины,═России и стран СНГ═при отрытии банковских счетов существует ряд ограничений. Прежде чем воспользоваться данной услугой, рекомендуем проконсультироваться у своего юриста. Крупные, респектабельные европейские банки предпочитают отказать новому неизвестному им клиенту при малейшем сомнении, особенно,═если бенефициаром либо управляющим выступает гражданин одной из стран СНГ. Вежливые банкиры,═безусловно,═возьмут Ваши документы на рассмотрение,═даже пригласят на личную встречу,═но в большинстве случай,═если Вы не сможете предоставить достаточные рекомендаций,═все равно откажут в обслуживании.

Благодаря репутации нашей европейской компании и налаженным связям в банковской сфере сообществе мы можем представить вас и вашу компанию в больниство банков Западной Европы по Вашему выбору. Как правило,═мы рекомедуем банки Швейцарии, Дании, Австрии, Лихтенштейна, Великобритании,═при этом желательно,═чтобы первый счет Вашей компании был отрыт именно в стране регистрации,═а остальные - на ваш выбор. Если Вы немереваетесь открыть счет в оффшорном банке,═мы рекомендуем для этого зарегистрировать дочернюю оффшорную компанию,═а не отрывать счет непосредстсвенно для европейской компании. Даже если Вы решите задекларировать обороты по оффшорному счету,═который будет открыт прямо для европейской компании,═это не будет позитивно воспринято евпропейскими органами,═уполномоченными контролировать "подозрительные" операции и может привести к включению вашей компании в контрольные списки.

В какой стране лучше открыть счет для оффшора. Можно ли открыть счет оффшорной компании в Европе?

Общее правило, которого мы рекомендуем придерживаться,═чтобы не нарушать базовые принципы всех документов и директив ЕС по борьбе с отмыванием денег и финансированием терроризма, и борьбой с оборотом наркотиков:═европейской компании - европейский банк,═оффшорной компании - оффшорный банк.

Счет оффшорной компании можно открыть и в швейцарском и в любом другом европейском банке - вопрос в другом: Зачем? Как минимум, так не принято. Это все равно что указать в платежке Вашим друзьям из Колумбии "За поставку партии пластита... в т.ч. НДС по контракту. №345 от 01.01.2001" - Наверное все таки лучше было бы заплатить за партию бананов. Даже если Ваши друзья не занимаются оптовой торговлей оружием или наркосодержащими веществами,═такой платеж гарантированно создаст много проблем и Вам и Вашим партнерам - банкиры не понимают шуток,═так как в первую очередь вопросы будут заданы обеим банкам - почему они открыли счета клиентам "с подобным"═бизнесом.

Аналогично для расчетов с партнерами и контрагентами:═если в инвойсе выставлен европейский банк - используйте европейскую компанию,═если оффшорный банк - то оффшорную компанию. Эти компании могут взаимодействовать между собой только как независимые партнеры. Только в этом случае возможно обеспечить максимальную безопасность ваших денежных средств и быстрое проведение платежей.

Чем оффшорный банк отличается от Швейцарского? Какой надежней?

Можно бы расказать много о разных финансовых показателях, описанных выше и путем логических рассуждений доказать, что любой оффшорный банк хуже прибалтийского,═а любой прибалтийски банк хуже любого английского,═а любой английский банк хуже швейцарского. Это делают многие,═особенно те, кто постоянно проводят различные бесполезные семинары,═сами даже не разу не попробовав совершить международный платеж и при этом дают множество "полезных" советов. Это как бы правильный подход. Той же логикой можно доказать обратное,═ исходя из предпосылки,═для каких целей "надежней"?

Более важно,═кто сейчас владеет банком - а не какой у банка "юридический адрес": швейцарский,═английский или оффшорный банк. Если например,═оффшорный банк принадлежит крупной европейской финансовой группе, то его надежность ничуть не меньше швейцарского, а иногда и больше, чем, например,═ в каком-то слабом семейном швейцарском или англиском банке, управляемым перепуганным наследником в третьем поколении.

После событий 2001 года международный оффшорный банковский бизнес могут позволить себе только крупные финансово-банковские структуры, остальным остается довольствоваться работать в своем регионе,═обслуживая местных клиентов и принимая депозиты от пенсионеров, и сейчас открыть полноценный оффшорный банк сложнее, чем открыть или купить где-нибудь банк в Европе.

Подробную информацию и рекомендации по правильному выбору банков для Вашего бизнеса предоставим при личной встрече