投资人必读
第三方换汇必须证明资金来源
随着中国外汇管制越来越严格,使用“蚂蚁搬家”的换汇方式将大笔资金转到境外的难度越来越大,需要的周期也越来越长。因此,有不少EB-5投资人转而使用“空中对敲”,即投资人将人民币资金汇至第三方(个人或公司)在中国境内的账户,第三方再将等值的美元从境外账户(一般是在香港)汇至投资人在境外的账户,由投资人将资金转至托管账户或项目账户,完成整个投资流程。
过去几年间,针对第三方换汇这种操作方式,虽然移民局也曾发出补件通知(Request for Evidence) 要求第三方提供收入来源证明,但对于大部分第三方换汇的申请材料的审批还是相对宽松,部分投资人也在移民局睁一只眼闭一只眼中顺利拿到批准。
然而,从年初至今,移民局针对第三方换汇已发出多封补件通知,要求投资人提供文件证明第三方资金的合理来源,否则申请就会被拒。
移民局认为,在第三方换汇的操作模式中,EB-5投资人的人民币资金并没有出境,汇入托管账户或项目账户的美元资金是来自第三方,那么中国境内的人民币和境外的美元投资款并不是同一笔资金,因此需要证明第三方的合法资金来源。针对第三方换汇的补件通知包含以下内容:
“USCIS must be able to determine that it is more likely than not that the capital which has been invested by Petitioner or which Petitioner is actively in the process of investing is capital obtained through lawful means. Accordingly, USCIS requests additional evidence to establish the lawful source of the EB-5 investment.
To determine the lawful source of Petitioner’s investment funds, additional evidence is required. Petitioner must submit, as applicable, the following evidence in order to comply with 8 C.F.R. § 204.6(j)(3):
· Evidence showing that the third party broker is a legitimate and/or licensed and registered money service business;
· Evidence identifying any source(s) for the third party;
· Corporate, partnership (or any other entity in any form which has filed in any country or subdivision thereof any return described in the subpart described in 8 C.F.R. § 204.6(j)(3)(ii)), and personal tax returns including income, franchise, property (whether real, personal, or intangible), or any other tax returns of any kind filed within five years, with any taxing jurisdiction in or outside the United States by or on behalf of Petitioner, or
· Any other evidence that overcomes the deficiencies noted above.”
即,移民局要求投资人补充提供以下文件(如适用)以证明第三方的资金来源合法:
· 证明换汇的第三方是一个持有执照的合法换汇机构;
· 如果第三方换汇人为个人,需提供其境外美金的合法资金来源。举例,如果换汇的美金来自工资收入,则需要提供雇主开具的工作收入证明信、完税证明、工资账户的银行流水、公司介绍册、名片、简历等证明材料;
· 如果第三方换汇为公司,则需要提供公司的营业执照、税务登记证、审计报告、完税证明、银行对账等证明材料。
在此提醒各位投资人,虽然从表面上看,第三方换汇为投资人简化了换汇的程序也节约了换汇的时间,但其实使用第三方换汇可能会面临移民局进一步追究的风险,投资人还需谨慎,否则得不偿失。
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