Bank Licensing - St. Vincent & The Grenadines
银行执照 – 圣文森特和格林纳丁斯
About St. Vincent & The Grenadines
关于圣文森特和格林纳丁斯
The financial system of St. Vincent and the Grenadines is made up of many institutions and components that help the country's economy run smoothly. The following are the important components of St. Vincent and the Grenadines' financial system: There are many commercial banks in St. Vincent and the Grenadines that provide a comprehensive range of banking services to individuals, corporations, and other organisations. These financial institutions collect deposits, make loans, provide transactional services, and facilitate foreign and domestic fund transfers.
圣文森特和格林纳丁斯的金融体系由许多机构和组成部分组成 ，这些机构和组成部分帮助该国经济平稳运行。 以下是圣文森特和格林纳丁斯金融体系的重要组成部分: 圣文森特和格林纳丁斯有许多商业银行 ，为个人、公司和其他组织提供全面的银行服务。这些金融机构吸收存款 ，发 放贷款 ，提供交易服务 ，并为国内外资金转移提供便利。
The Eastern Caribbean Central Bank (ECCB), together with seven other member countries of the Eastern Caribbean Currency Union (ECCU), functions as the central bank for St. Vincent and the Grenadines. The ECCB is in charge of issuing and managing the Eastern Caribbean dollar (XCD), as well as preserving price stability, regulating and overseeing financial institutions, and enforcing monetary policy.
东加勒比中央银行(东加勒比中央银行)与东加勒比货币联盟(东加勒比货币联盟)的其他七个成员国一起担任圣文森特和格林纳丁斯的中央银 行。欧洲央行负责发行和管理东加勒比元(XCD) ，以及维护价格稳定 ，监管和监督金融机构以及执行货币政策。
Non-bank financial institutions exist in St. Vincent and the Grenadines to supplement the services provided by commercial banks. Credit unions, insurance firms, trust companies, and other specialised financial service providers are examples of these organisations.
圣文森特和格林纳丁斯存在非银行金融机构 ，以补充商业银行提供的服务。信用合作社、保险公司、信托公司和其他专业金融服务提供商都是这些组织的例子。
Geographic location
地理位置
Puerto Rico is located on the continent of North America, between the Caribbean Sea and the North Atlantic Ocean. It's east of the Dominican Republic and west of the Virgin Islands.
波多黎各位于北美洲大陆 ，位于加勒比海和北大西洋之间。 它位于多米尼加共和国以东 ，维尔京群岛以西。
Population
⼈⼝
Saint Vincent and the Grenadines is a Caribbean island country. It is situated in the southeast Windward Islands of the Lesser Antilles, in the West Indies, at the southern end of the Caribbean Sea's eastern boundary, where it joins the Atlantic Ocean.
圣文森特和格林纳丁斯是加勒比海的一个岛 国。它位于小安的列斯群岛的东南向风群岛 ，在西印度群岛 ，在加勒比海东部边界的 南端 ，它与大西洋相连。
Language
语言
The official language of St Vincent and the Grenadines is English. The majority of residents also speak Vincentian Creole. This English-based Creole has aspects of French, Spanish, and Portuguese, as well as Garifuna and West African languages brought to the Caribbean by the slave trade.
圣文森特和格林纳丁斯的官方语言是英语。 大多数居民也说文森特克里奥尔语。这种以 英语为基础的克里奥尔语有法语、西班牙语和葡萄牙语的特点 ，也有奴隶贸易带到加勒 比地区的加利富纳语和西非语言的特点。
Law
法律
As a former British colony, the laws of St. Vincent and the Grenadines are based on English common law. The legal system of St. Vincent and the Grenadines is based on a written constitution and comprises of different legislation, ordinances, regulations, and court precedents
作为前英国殖民地 ，圣文森特和格林纳丁斯 的法律以英国普通法为基础。圣文森特和格 林纳丁斯的法律体系以成文宪法为基础 ， 由 不同的立法、条例、规章和法院判例组成。
Advantages of a Banking License in St. Vincent & The Grenadines
在圣文森特和格林纳丁斯持有银行执照的好处
1. Beneficial Regulatory Environment 有利的监管环境
St. Vincent and the Grenadines has a well-established banking and financial services regulatory system. The government's goal is to foster a business-friendly climate while adhering to international standards such as anti-money laundering (AML) and counter- terrorism financing (CFT) rules.
文森特和格林纳丁斯拥有完善的银行和金融服务监管体系。政府的目标是在遵守反洗钱和反恐融资规则等国际标准的同时， 营造一个友好的商业环境。
2. Low Capital Requirements 低资本要求
In comparison to many other jurisdictions, the capital requirements for getting a banking licence in St. Vincent and the Grenadines are quite modest. Smaller financial institutions or startups may find it easier to establish a presence in the country as a result of this.
与许多其他司法管辖区相比 ，在圣文森特和格林纳丁斯获得银行牌照 的资本要求相当低。 因此 ，较小的金融机构或初创公司可能会发现在 该国建立业务更容易。
3. Tax Benefits 税收优惠
International banks operating in St. Vincent and the Grenadines benefit from tax breaks. The country has a territorial tax system, which means that only income generated within the country is taxed. Furthermore, there are no capital gains or inheritance taxes. 在圣文森特和格林纳丁斯经营的国际银行受益于税收减免。
这个国家有属地税制 ，这意味着只有在国内产生的收入才被征税。 此外 ，没有资本利得税或遗产税。
4. International Market Access 进入国际市场
The Organisation of Eastern Caribbean States (OECS) and the Eastern Caribbean Currency Union (ECCU) are both members of St. Vincent and the Grenadines. This gives domestic banks access to a larger regional market and new commercial prospects inside OECS and ECCU member countries.
东加勒比国家组织(OECS)和东加勒比货币联盟(ECCU)都是圣文森特和格林纳丁斯的成员。这使国内银行有机会进入更大的区域市场，并在东加勒比国家组织和欧洲货币共同体成员国内部有新的商业前景。
5. Privacy and Confidentiality 私隐及保密
The country has strict privacy rules that ensure customer information is kept private. Individuals or businesses seeking a high level of secrecy in their banking transactions may find this appealing.
该国有严格的隐私规定 ，确保客户信息的私密性。在银行交易中寻求高 度保密的个人或企业可能会发现这很有吸引力。
6. Well-Developed Financial Sector 发达的金融业
The financial sector in St. Vincent and the Grenadines is stable and well-regulated, with established correspondent banking links. This can make foreign transactions easier and boost the credibility of banks operating in the country.
圣文森特和格林纳丁斯的金融部门稳定 ，监管良好， 与代理行建立了联系。这可以使国外交易更容易，并提高在该国经营的银行的信誉。
Key Facts on a Banking License in St. Vincent & The Grenadines
关于森特和格林纳丁斯银行执照的关键事实
License：International Bank License
许可证：国际银行牌照
Timeframe for Approval：3-4 months
审批时间表：3-4个月
Regulator：Financial Services Authority
监管机构：金融服务局
Corporate Tax Rate：30%
企业税率：30%
Currency：Eastern Caribbean Dollar (EC$)
货币：东加勒比元(东加勒比元)
Capital Requirement：$500,000
资本要求：500,000美元
Economic Substance：Required
经济实质：需要
Paid-up Capital：Class A: 1,000,000 USD，Class B: 500,000 USD
实收资本：A类:100万美元，B类:50万美元
Tax Structure：Zero (0%) Percent Tax on Offshore Profits
税收结构：离岸利润零(0%)税
Local Director/s：At least one resident director(can also serve as a Manager to the Bank)
当地的董事：至少一名常驻董事(可兼任银行经理)
Local Shareholder/s：At least one shareholder (the maximum 50 shareholders) (no nationality or residency restrictions)
当地股东：至少一名股东(最多50名股东) (无国籍或居住限制)
Local Registered Office：Required
本地注册办事处：需要
Local Staff：Required
当地员工：需要
Compliance Officer：Required
合规官：需要
AML/KYC：Required
反洗钱/了解你的客户：需要
Audit：Required
审计：需要
Procedure
过程
1. Preparation of the application forms
准备申请表格
2. Reviewing and amending the proposed banks business plan and other documents forming part of the application
审核及修改银行业务计划及其他申请文件
3. Incorporation of the company
公司成立
4. Bank account application
银行账戶申请
5. License application with the Regulator
向监管机构提出许可证申请
Other Services
其他服务
1. Retail and Commercial Banking Services
零售及商业银行服务
1.1 Deposit Accounts 存款账戶
1.2 Lending Services 出借服务
1.3 Payment Services 支付服务
2. Foreign Exchange Services
外汇服务
3. Trade Finance
贸易融资
4. Correspondent Banking Relationships
代理银行关系
5. Investment Banking and Capital Market Services
投资银行和资本市场服务
6. Trust and Fiduciary Services
信托和受托服务
7. Electronic Banking and Digital Services
电子银行及数码服务。
Requirements
需求
Documents required by all involved individuals (including but not limited to directors, shareholders, and beneficial owners)
所有相关个人(包括但不限于董事股东和受益所有人)所需的文件
Passport copy (Notarized)
护照复印件(经公证)
Utility Bill issued within the last 3 months (Notarized)
最近3个月内发出的水电费帐单(已公证)
CV or Resume for each involved individual
每位参与人员的简历或简历
Two professional reference letters
两封专业推荐信
Qualifications (Notarized)
资格(公证)
Business Plan
商业计划
Statements Of Physical Presence
实体存在的陈述
Statement Of Financial Relationships
财务关系表
Declaration Of Legal Representative
法定代表人声明
Statement On Bank’s Proposed Online Presence
关于银行网上业务建议的声明
Marketing Material Disclosure
市场推广资料披露
For Corporate Shareholders
公司股东须知
Articles of Association in English
英文公司章程
Registered office address documents (Notarized)
注册办事处地址文件(公证)
Company Register of director/s
公司董事登记册
Company Register of UBOs (shareholder register, or incumbency certificate, or share certificates)
联合银行公司名册(股东名册 ，或任职证明书 ，或股份证明书)
St. Vincent & The Grenadines Banking Licence Package
森特和格林纳丁斯银行执照包
1. Formation of Saint Vincent International Business Corporation.
成立圣文森特国际商业公司。
2. Preparation and drafting of shareholder & officer agreements.
准备和起草股东和管理人员协议。
3. Preparation and drafting of narrative business plan.
编写和起草叙事商业计划。
4. Prepare five-year financial projections.
准备五年的财务预测。
5. Preparation and drafting of current financial statements.
编制和起草当期财务报表。
6. Preparation and drafting of personal financial statements for owners.
为业主拟备及起草个人财务报表。
7. Identification and draft letters naming principal representative and auditor
主要代表和审计师的身份证明和信件草稿
8. Draft and prepare required bank charter and prospectus.
起草和准备所需的银行章程和招股说明书。
9. Preparation and drafting application with Saint Vincent FSC.
与圣文森特金融服务局一起准备和起草申请。
10. Respond and draft responses to FSC application inquiries.
回应和起草金融服务局申请咨询。
11. Facilitate and consummate bank card relationship with Visa & Mastercard.
促进和完善与Visa和Mastercard的银行卡关系。
12 Preparation and drafting of policy agreements and related documents
政策协议及相关文件的准备和起草
13. Facilitate and consummate IBAN/SWIFT and correspondent bank relationship
促进和完善国际银行账号/环球银行金融电信协会和代理银行的关系
14. Provide for required physical presence and local director
提供所需的实际存在和当地主管
15. Preparation and review of bank deposit, loan and related agreements
银行存款、贷款及相关协议的准备和审核
