Bank Licensing - Seychelles
银行执照 – 塞舌尔
About Seychelles
关于塞舌尔
Seychelles' financial system aims to foster financial stability, encourage investment, and meet the financial needs of individuals,enterprises, and the government. It is controlled and overseen by several authorities to ensure the financial sector's integrity,transparency, and soundness.
塞舌尔的金融体系旨在促进金融稳定 ，鼓励投资 ，满足个人、企业和政府的金融需求。 它由几个当局控制和监督，以确保金融部门的诚信、透明和健全。
Geographic Location
地理位置
Seychelles is an archipelago in the Indian Ocean, between 480 to 1,600 kilometers off Africa's east coast. Despite its distance from the continent's core, the country is politically part of Africa.
塞舌尔是印度洋上的一个群岛 ，距离非洲东海岸480到1600公里。尽管距离非洲大陆的核心很远 ，但该国在政治上是非洲的一部分。
Population
⼈⼝
According to Worldometer's elaboration of the most recent United Nations data, the current population of Seychelles is 100,074 as of Sunday, May 7, 2023.
根据世界计量表对联合国最新数据的详细分析 ，截至2023年5⽉7⽇(周日) ，塞舌尔目前的人口为100,074⼈
Language
语言
Seychellois Creole (Seselwa), derived from French, is spoken by 95% of the population. Both French and English are also spoken.
塞舌尔的克里奥尔语(Seselwa) 源自法语，95%的人口使用这种语言。也讲法语和英语。
Law
法律
The legal system in Seychelles is one of mixed jurisdiction. A Civil Code drawn from the French Napoleonic Code governs civil law. The criminal law is mostly based on common law.
塞舌尔的法律体系是一种混合司法体系。从法国拿破仑法典中提取的民法典管辖着民 法。刑法大多以普通法为基础。
Advantages of a Banking License in Seychelles
在塞舌尔持有银行执照的好处
1. Financial Centres Offshore 海外金融中心
Seychelles is a well-known offshore financial centre, drawing international clientele looking for offshore banking services. This status can give clients with benefits such as tax planning, asset protection, and privacy.
塞舌尔是一个著名的离岸金融中心 ，吸引着寻求离岸银行服务的国际客戶 。这种状态可以给客戶带来税收规划、资产保护和隐私等好处。
2. Beneficial Regulatory Environment 有利的监管环境
Seychelles has put in place a regulatory framework that encourages a stable and secure banking system. The Financial Services Authority (FSA) monitors and supervises banks to guarantee that international standards, including as anti-money laundering (AML) and know-your-customer (KYC) rules, are met.
塞舌尔建立了一个监管框架 ，鼓励建立一个稳定和安全的银行体系。金融服务管理局监督和监督银行 ，以确保符合国际标准 ，包括反洗钱和了解你的客戶规则。
3. Economic and political stability 经济和政治稳定
Seychelles has a stable government and a rising economy. This stability can instill trust in consumers and investors, as well as create a favorable atmosphere for banking operations.
塞舌尔有一个稳定的政府和一个正在崛起的经济。这种稳定性可以向消费者和投资者灌输信任 ，并为银行业务创造有利的氛围。
4. Tax Advantages 税收优惠
Banks can benefit from a competitive tax environment in Seychelles. There are no capital gains taxes, dividend or interest withholding taxes, or exchange control laws. Banks can benefit from low taxes, allowing for increased profitability and more appealing financial services for customers.
银行可以从塞舌尔的竞争性税收环境中受益。没有资本利得税 ，股息或利息预扣税 ，或外汇控制法。银行可以从低税收中受益 ，从而提高盈利能力， 并为客戶提供更具吸引力的金融服务。
5. Currency Diversification 货币多元化
Seychelles uses its own currency, the Seychellois Rupee (SCR), which allows clients and the bank to diversify their currency holdings.
塞舌尔使用自己的货币 ，塞舌尔卢比(SCR) ，允许客戶和银行多样化他们的货币持有。
6. Geographical Location 地理位置
Seychelles is advantageously placed in the Indian Ocean, close to expanding African and Asian markets. This can improve trade and investment opportunities for Seychelles-based banks.
塞舌尔处于印度洋的有利位置 ，靠近不断扩大的非洲和亚洲市场。这可以改善塞舌尔银行的贸易和投资机会。
7. Correspondent Banking Relationships 代理银行关系
Seychelles banks can establish correspondent banking links with other financial institutions throughout the world. This enables efficient cross-border transactions, access to international financial networks, and increased trust in the global banking community.
塞舌尔的银行可以与世界各地的其他金融机构建立代理银行联系。这使得有效的跨境交易、进入国际金融网络和增加对全球银行业的信任成为可能。
8. Privacy and Confidentiality 私隐及保密
Seychelles has a strong legal framework in place to protect the privacy and confidentiality of banking and financial data. Clients looking for private and secure banking services may find this intriguing.
塞舌尔有一个强有力的法律框架来保护银行和金融数据的隐私和机密性。寻求私人和安全银行服务的客戶可能会觉得这很有趣。
9. Formation of an International Business Company (IBC) 成立国际商业公司(IBC)
Seychelles permits the establishment of International Business Companies (IBCs), which can be used for a variety of purposes such as holding company structures, investment vehicles, and asset protection. Seychelles banks can provide financial services to these businesses, thereby expanding their client base.
塞舌尔允许设立国际商业公司(IBCs) ，可用于多种目的 ，如控股公司结构、投资工具和资产保护。塞舌尔的银行可以为这些企业提供金融服务从而扩大其客戶群。
10. Tourism and Hospitality Opportunities 旅游和酒店业的机会
Seychelles is a famous tourist destination noted for its beautiful natural surroundings and immaculate beaches. Seychelles banks can enter the tourism and hospitality industries by providing specialised banking services to hotels, resorts, and related enterprises.。
塞舌尔是一个著名的旅游目的地 ，以其美丽的自然环境和无暇的海滩而闻名。塞舌尔银行可以通过向酒店、度假村和相关企业提供专业的银行服务,进入旅游和酒店行业。
Key Facts on a Banking License in Seychelles
关于塞舌尔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：4 to 6 months
审批时间表：4 to 6个月
Regulator：Seychelles Financial Services Authority (FSA)
监管机构：塞舌尔金融服务管理局
Corporate Tax Rate：25%
企业税率：25%
Currency：Seychelles rupees (SCR)
货币：塞舌尔卢比(SCR)
Capital Requirement：no minimum capital requirements
资本要求：没有最低资本要求
Economic Substance：Required
经济实质：需要
Paid-up Capital：US$2 million
实收资本：200万美元
Tax Structure：10%
税收结构：10%
Local Director/s：Minimum of 2 directors
当地的董事：最少2名董事
Local Shareholder/s：Minimum of 2 shareholders
当地股东：最少2名股东
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：
Audit：Required
审计：需要
Procedure
过程
1. Preliminary Evaluation 初步评估
Conduct a preliminary assessment to see if your prospective bank fulfills the Seychelles Financial Services Authority's (FSA) eligibility criteria. This includes determining the adequacy of capital, management experience, and regulatory compliance.
进行初步评估 ，看看您的潜在银行是否符合塞舌尔金融服务管理局(FSA) 的资格标准。这包括确定资本充分性、管理经验和法规遵从性。
2. Consult with Professional Advisors 向专业顾问咨询
Engage legal, financial, and other professional consultants who are knowledgeable about banking and regulatory issues in Seychelles. They can help you navigate the application process, prepare the necessary papers, and ensure compliance with regulatory requirements.
聘请法律 ，金融和其他专业顾问谁是知识渊博的银行和监管问题在塞舌尔。他们可以帮助您浏览申请流程 ，准备必要的文件并确保符合法规要求。
3. Establishment of a Seychelles Company 成立塞舌尔公司
Create a Seychelles business to act as the vehicle for your banking operations. This includes choosing an appropriate name, preparing the relevant incorporation documents, and paying the necessary costs.
创建一个塞舌尔业务 ，作为您银行业务的载体。这包括选择一个合适的名称 ，准备相关的公司文件 ，并支付必要的费用。
4. Creating the Bank Licence Application 创建银行牌照申请
Prepare a complete bank licence application in compliance with the FSA's standards. Detailed information on the prospective bank's ownership structure, directors and senior management, business plan, financial projections, compliance framework, risk management policies and other pertinent information is often included in the application.
按照金融服务管理局的标准准备一份完整的银行牌照申请。 申请中通常包含有关未来银行的所有权结构、董事和高级管理层、业务计划、财务预测、合规框架、风险管理政策和其他相关信息的详细信息。
5. Application Form Submission 递交申请表格
Submit the completed bank licence application to the FSA, along with the necessary supporting documentation. During the review process, the FSA will undertake a comprehensive evaluation of the application and may seek more information or clarification.
将填妥的银行牌照申请连同所需的证明文件一并提交金融服务管理局。在审查过程中，FSA将对申请进行全面评估 ，并可能要求提供更多信息或澄清。
6. Due Diligence and Fit and Proper Evaluation 尽职调查和适当评估 The FSA will conduct due diligence on the shareholders, directors, and senior management of the prospective bank. This involves determining their suitability and appropriateness for such roles in a regulated financial institution.
FSA将对拟成立银行的股东、董事和高级管理层进行尽职调查。这包括确定他们在受监管的金融机构中担任此类角色的适宜性和适当性。
7. Onsite Inspection 现场检查
The FSA may undertake an onsite inspection of the proposed bank's premises and operations to ensure regulatory compliance and to evaluate the adequacy of internal controls and systems.
FSA可以对拟建银行的经营场所和业务进行现场检查， 以确保合规 ，并评估内部控制和系统的充分性。
8. Licence Approval and Issuance 牌照的审批及签发
If the FSA approves the application and all standards are met, the bank will be granted a licence. Once the licence is given, you can proceed with the bank's establishment and activities
如果FSA批准申请并满足所有标准 ，银行将获得许可证。一旦获得牌照 ，你就可以继续进行银行的设立和活动
Other Services
其他服务
Sufficient Capitalization
足够的资本
Comprehensive Business Plan
综合商业计划
Framework for Risk Management
风险管理框架
Anti-Money Laundering (AML) and Compliance Measures
反洗黑钱及合规措施
Infrastructure for IT and Cybersecurity
IT和网络安全基础设施
Corporate Management
企业管理
Procedures for Client Onboarding and Know Your Customer (KYC)
客戶入职和了解客戶的程序(KYC)
Requirements for Reporting and Disclosure
报告和披露的要求
Insurance Protection
保险保护
Consistent Compliance
一致的合规
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)
Seychelles Banking Licence Package
塞舌尔银行执照包
1. Formation of Seychelles international business corporation.
塞舌尔国际商业公司成立。
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 Seychelles Financial Services Regulatory Commission. 与塞舌尔金融服务监管委员会准备和起草申请。
10. Respond and draft responses to Regulator application inquiries.
对监管机构申请咨询的回应和草案回应。
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
