香港银行正加强审查开立储蓄与投资帐户的中国内地客户；部分大型中资银行已暂停为内地居民开设投资与财富管理帐户，并提高储蓄帐户门槛、加强尽职调查。香港监管机构亦要求新增声明条款，令申请人确认投资帐户资金来源来自中国内地以外；中国内地居民每年外汇购买上限仍为每人 50,000 美元。

此轮收紧是北京打击非法跨境交易的延伸。上周五，中国证监会对 3 家在内地无牌营运的网上券商合共罚款逾 3.3 亿美元；这亦较 2022 年底要求整顿违规行为并停止吸纳新内地投资者的措施进一步升级，同时也配合中国税务部门加强追收离岸收入税款。

香港方面同步跟进：证监会要求券商审核客户开户流程，香港金融管理局上周亦发出 5 页通告，要求关闭以「可疑或伪造文件」开立的投资帐户，并取得中国内地投资者书面声明。2025 年中国居民资金流出预计达 8,070 亿美元，创历史新高；BOC Hong Kong 高端跨境客户增长 21%，HSBC 自 2023 年 1 月以来香港客户约增 30%，其中三分之二为非居民 HSBC One 客户，带动投资产品资产增加 20%。

Hong Kong banks are intensifying scrutiny of mainland Chinese clients opening savings and investment accounts. Some major Chinese lenders have suspended investment and wealth-management account openings for mainland residents, lifted savings-account thresholds, and tightened due diligence, while regulators require declarations that investment funds come from outside mainland China. (Key numbers: 50,000)

The move is part of Beijing’s sharpest crackdown yet on illegal cross-border trading. On Friday, the China Securities Regulatory Commission imposed more than $330 million in combined fines on three online brokers operating on the mainland without a license, escalating beyond the late-2022 order to clean up illegal activity and stop onboarding new onshore investors.

Hong Kong regulators are moving in step. The SFC ordered brokerages to audit onboarding after finding document forgery and weak compliance, and the HKMA’s five-page circular requires banks to close accounts opened with questionable or forged documents and secure written declarations. China’s 2025 resident outflow is expected to hit $807 billion; BOC Hong Kong said high-end cross-border customers rose 21%, HSBC Hong Kong customers climbed roughly 30% since January 2023, and invested assets grew 20%.