中行个人外汇帐户和西联汇款的使用经验总结（Experience summary of BOC personal foreign exchange account and Western Union remittance）

中行个人外汇帐户和西联汇款的使用经验总结（Experience summary of BOC personal foreign exchange account and Western Union remittance） 中行个人外汇帐户和西联汇款的使用经验总结(Experience summary of BOC personal foreign exchange account and Western Union remittance) One day in July 2005, I opened a bank foreign exchange account in a branch of Shenzhen. 10RMB was used to register successfully. In anticipation, the account can play a role. To a few months, finally promised guests to send me the sample fee, one is 100USD, one is 55USD, 100USD is the India guest, before I called him T/T the Bank of individual foreign exchange accounts for him, how he said India foreign exchange supervision strictly, the outflow of foreign exchange to the layers of approval. He said his son was in USA, and a few days later, his son gave me an email. Say I'm 100 USD through the Western Union, I'm dizzy, and I'm going to check the western union process on the internet. Western Union remittance recipients must be the ID card Pinyin, but mail back to ask him to change the payee. After the success of the change, take ID card, go to the Bank of agriculture, successfully took out a USD100 of U.S. dollars, fried now. There was another ecstasy, and finally I had USD. The second 55USD is the guest to sample, was to give him the Bank of individual foreign exchange accounts, no resistance at the forum, many expert said the public and the private into account, I thought last accidentally contact Western Union, find good. So called American guests remitted to me by Western Union, after receipt of the notification, excitedly ran around the bank, how the material is Sunday, ABC said not to accept the foreign exchange business, Monday again; and turned to the next post, how can post to RMB, not to give up. The second day, and then went to the nearby Agricultural Bank, how the MM said no, I asked her Why, she said no, no.. Depressed. Then continue to look for ABC, this time OKay. Think, just that for MM is definitely not understand. Some chihuangliang people is that they do not understand and feel shy to ask others, push the push that. A lot of people behind the chihuangliang meet is so. At the end of 2005, Norway has a guest to sample, I asked him to pay the sample cost and delivery costs, he said, because the cost is small, I mailed to me personally the ticket, the personal foreign exchange account to him at once. The amount of total EUR30,00. one week 4 emails to my memo, wait until next week to enter 4. That was the end of the year, Chinese banking business too much, too busy. It took about a week. At the beginning of 2006, a Spanish guest promised to give me the sample fee, a total of more than 1K EURO, no matter how many, immediately to the Bank of China personal foreign exchange account to him. The guest is TT the same day, and I arrive in second days. This is public and private, in the name of donation. This month, a USA guest orders, more than 10kUSA, I think. See if this time, like a Spanish guest, give him the bank's personal foreign exchange account. Now the money goes to the bank, but it gets stuck Week 4 with a bed, quickly open PC, USA guests sent mail, said in accordance with my instructions, the money came. In the heart of ecstasy, but immediately anxious, worried that the money was stuck in the bank, and expect the bank can solve the payment. (because at this forum said that as long as no more than 20K. as long as there is a foreign exchange bank, according to the foreign exchange account income; at the time when the individual guest man.). Week 5 wait for a day, inquires the account not more than 100 times, still didn't arrive the account. Worry is here at last. 5 weeks to guest mail, call him to get over the memo. Saturday morning, open the PC quickly, no reply. Disappointment + depression + anxiety (doing trade is not physical pain, is the body and mind of the arrow boil) Monday continue to query accounts no more than 100 times, or not to account. In my mind, which guest took 1 weeks in Norway last time?. It won't be another week. In the afternoon, the Bank of China phone me, when a listen to the Bank of China, psychological brush to understand. She said she would sign it tomorrow and return the money. Early Tuesday morning, quickly opened the PC guests to immediately get the memo, MP3, to print near the spent RMB2.00. a look at the notes, according to my instructions. Quickly took the memo went to the Bank of China, bank Chinese, found that JJ Phone gave me yesterday, I put the memo to her, as she explained, this is my donation to the guests. "Donation. Why would she donate it to you?"" JJ lane. Some people in China can't eat grapes themselves, and never expect them to succeed. (I think). "According to the State Administration of foreign exchange regulations -, residents can accept foreign donations? "The notes are clearly written on it," she looked She said wait a minute. Ran inside, she was busy, is really the heart to write sad. How did these people get in?. Waiting. It took nearly an hour, and finally there was a more than 30 year old GG, greeting me. "Now we can't give you. You're more than 10KUSD, and it's private business." "I this is a donation, according to the regulations of the State Administration of foreign exchange, foreign residents can receive donations." "I'm sorry, now safe's tight, change your call for private remittances, or return to" private can receive "and" private "," but people can take 50K then, more than 10K to documents". ) "well, you call your side to change people to keep private remittances, we do not return to sender to private, tomorrow will be able to enter." He can not help (I think) look, "that can you give me a name card," he found a pen, write the work to call me." You can call me when you change the remittance person. I'll take care of the "occupational disease" again. Add: this man has a good attitude in Guangdong accent. He is more than 30 years old and still in this position. Not to mention courage. But the attitude is 80. That JJ was more than 30, attitude 70. I think. (summary: go to the bank for the best thing to find >30 man (attitude and experience) and >50 (woman aunt level, attitude and experience alone) - then MM (general attitude, some from the beautiful. (happy) - then little GG/DD (young people have no patience) - 28 - 48 of women (this kind of person can hide and hide; always feel that he is white collar; do not make you hit those days)" "From the Bank of China) went out of the bus, get on the safe side. Why did you go to safe? At that time, I wanted to see if I could speak clearly with the foreign exchange administration, and put my 10K solution that was too much money in the Bank of China out of USD. The impression of the safe should be in the bookstore near to the bookstore, that looked around, are skyscrapers, what the Shenzhen Stock Exchange, financial building; bank; bank; bank, Citigroup, and China -- the people's Bank of china. Looking left or right, or the shadow of no safe?. At that time the public center is suddenly reminded of all of the organization's business lobby, including safe (Chinese service is really high "efficiency", can focus all of the organization's business sector "together, so that citizens apply for the certificate of convenience, they also come to apply for the certificate of cost; Chinese by can apply for the certificate to feed a large number of officials; many people? Who wants us to have 1 billion) think it over, there's no private Forex business. Ask a friend at Working, check it out. The answer is in the people's Bank of china. In the people's Bank of China? My heart was bottom. But I don't know why is a magnificent Chinese building just outside the people's Bank of the people's Bank of China letters? On both sides are signs of a trident shape". If not the Internet and the lack of the spirit of the mainland for friends to come to Shenzhen to find safe, I bet, no year is uncertain. Get to the point, turn back to find the entrance into the roundabout go, the people's Bank of Chinese Front Gate locked (Why??) when I saw someone from there? Have to detour to find the side door. (Note: This is the first time I came here.). Almost a large circle along the building, only to find the tree next to the entrance from below. At that time, I thought, if Hu brother Wen ye come here, take the side door habit? Of course, they must be buses and doors. On both sides of the color of a riot of colours such as "Welcome -". Ha ha, the little people can only take the side door!. Finally entered the courtyard, There were lots of private cars and public cars parked in the doorway. It's almost full of fast land. Stepping on the stairs of the building, you can see the gold sign of the foreign exchange administration. Is China now too much foreign exchange reserves, want to get lower?. The foreign exchange administration's gold signs are only visible when they enter. Coming to the lobby, the hall is like the settlement and exchange of general commercial banks, such as personal and corporate business. Continue to the four floor, east to explore the west, most people are facing the computer. Without expression in twos and threes, I don't know whether they are busy or not? Coming to a Office with the foreign exchange inspection office, it happened that a lady (about 35) came out. "I have a USD over 10K. They don't let go - -". Please go downstairs to the lobby. "Downstairs hall" I am bored, in my impression, as mentioned earlier, the hall is like the general commercial bank settlement / exchange and other personal and corporate business. Because my high school in the county seat of the people's Bank of China is the same as the general state-owned or commercial banks function. I had to sneak into the hall. Looking up, it was found that several people lined up in front of a lady. The company is hanging on it, and she's a man on the left, about 35 years old. "Hello, I have a donation of USD over 10K. They don't let go. According to the regulations of the State Administration of foreign exchange, maybe I'm excited to speak loudly, or is it quiet around death?". They all looked at me, including the woman civil servant. In most people's eyes Chinese, like these g-men are untouchables, although they are called "civil servants". So speak ten, try to whisper, for fear of scaring each other. "Do not let the solution pay?" Strange? Is there any proof?." I put the memo to him, pointing to the above saying "this is the other donation to me, according to regulations, the State Administration of foreign exchange". "Is it a company or an individual?"" The female servants rushing said, "is the company"; and I said, "no, is the only company to the company; person to person" female civil servants shouted, "but the regulations of the State Administration of foreign exchange is not specified in each other's business or personal?" There are a lot of provisions in the State Administration of foreign exchange regulations. You can't say that" The man in front of me said. Summary: Western Union: advantages: fast! In 24 hours, just tell the Chinese Pinyin, Pinyin, phone number. In the agricultural bank can get the United States fried, in the post can only get RMB. shortcomings: encounter not understand the Western Union, the ABC staff is very complicated. And get the beauty of the exchange is fried foreign households, less than a few percent T/T exchange households! BOC personal foreign exchange account: advantages: guests T/T money count foreign exchange households, exchange RMB high several Percent., do not personally run to the bank (for less than 10KUSD); time 2 - 3 days to. Disadvantages: guests in their own name: trying to convince guests in their own name difficult! Limit 50K below USD, but can pay only accounted for <10KUSD each time, otherwise. Guests in the name of the company: guests in the name of the company, you can remit <10KUSD to personal accounts. Hear the male officials safe (in fact, only the front desk) refuse, I turned away angrily. Because I didn't like this general background people more I argue in vain, I call the safe for the officials, because in China all state-owned enterprises, institutions (even the receptionist) are advertised himself as love -- every time, every time I go to the countryside, the 90 year old grandmother, grandmother parting always chatter words said to me: "you must be leaders -". In fact, now in the rural areas, if the home that has a happy family -- college students; the students -- happy family; graduate students, doctoral students - excited family; family excited the most senior; a "official" -- on the surrounding neighbors every family can boast: "I the child, in - can not ah! "In fact, just a nanny. The Hanlin Academy!!! ; Disappointed to come out from the safe, disappointed or angry to imagine the Palestinians picking stones to go to israel. Of course not. I have to worry about swallowing myself. This is the sad expression of our Chinese people. After all, there are 5 thousand years of "good tradition". But I was in 80s, from small to large, was a good teacher to pour a good world. When I was young, it was really high! What singers, principals, even teachers, think that they are hopeless, every day hum ha drink. You have to do what great people do. Now, there is a meal room Amy Tuo fu. Get to the point. Reply to e-mail at night, open Outlook, click "reply"". "Dear__, Chinese due to the strict foreign exchange controls, the bank refused entry, please Remitter from CO. Name to Private Name. and trouble you again with my email memo". Click send again. Success, but anxious, guests will not angry ah? Do you think my company is small? But expect him to return to his email immediately. Really, people think that doing business can train people better. Business people (boast about) mature charm I think is not an ordinary person can reach (every day, want to make more money every day and every day, afraid of losing money + + - out of fear of the guests), do not experience wind and rain, how can see the rainbow light, a collection made me nervous West ". And the suppliers over there, freight forwarder over there, etc.. So people, you don't envy people hundreds of millions of assets of decent success people, they are the monk Tang Western Pilgrimage class process. Even by unfair means, I think they feel guilty every day". ( I haven't had a good night's sleep since I answered the mail to the guest. Do not know whether the guests will immediately reply, what will reply? It took me half a year to send the guest, and I sent the sample to 2. 3 times. I didn't spend much money, but my energy was really broken. Early in the morning, 7:30, on time to open the old cow in the house, the switch for 5 minutes. At that time, the truth hit the computer, the speed is not slow, my heart beat N times faster than the computer, if my heart and computer combined, this computer to ensure overload. It's easy to open Outlook., see, what eye, did not return! No, I added it last night, Important and urgently, etc.. - fortunately the shore. Well, one more day, maybe a guest on a business trip, maybe the guest is lazy. The third day, the morning repeated the process and mood yesterday. No response. Then I figured out that I replied to the email directly to their financial manager, because a few days ago, their financial manager emailed them directly and said, "just according to what I'm just sending out.". In the evening, I contacted them directly with President. And added the "guest reading confirmation" function. Second days, 7:30, and then open the computer on time, anxious to open the computer - open the Outlook I anxiously and eagerly opened Outlook, and was receiving mail - - looking up at the lower right foot of the status bar, and jumping in my heart, obviously, it wasn't normal. Finally finished all mail, click the inbox, scan all unread messages, Shashi, I told grandpa grandma prices guests came back. At the sight of the guest's mail, the guest agreed to remit my account again, and the stone finally fell. But he put pressure on me again: "please don't delay production. It's not our fault."". At this point, I thought again, should I first take out my own money and give it to the factory? But worried about the guests will be remitted to the second time, although the European and American companies have good reputation, but the woods are big, what birds have. Whatever happens. So I wrote back immediately, which means we're not going to delay production. Please give me the water immediately when you draw The proud day has finally passed. The most exciting thing at that time was to receive mail from guests. Trade is like this, because of the difference in time difference, we go to work, guests sleep, we sleep, guests go to work, so usually in the domestic and factory what the problem of a phone can be done. But it's time for foreign countries to toss about, and it takes a couple of days, and sometimes it's possible. Not to say that the phone can not, is a China Telecom or monopoly market, only rely on cheap network; two is the case of the guest call, we are just the middleman, what problems are not clear, if it is the guests asked that question, we support or error. Accompany the guest pK immediately. Because of the technical problems, we also have to consult the factory, freight issues and freight forwarding consultation. So the guest also knows, an email coming, let you know for a long time. It's slow to our income. Hey. This is also a close relationship between Europe and the United States, a good reputation, business is good. Secondly, it's about the same length. The three time check - a few hours. Sometimes we don't have to be able to fix the guests in 24 hours. In short, China's foreign trade is becoming more and more difficult, especially the small soldier, without their own products, without their own background - difficult! Although the guest said in his email that he would give me money again, I had another gloomy day in an anxious mood Maybe is my pessimistic composition. When the University was over optimistic with the sad and the vicissitudes of the song and the soul washed. "That year, you are young, always feel that tomorrow will certainly be very beautiful ~"; "I have only two days, a day for birth, one day to this kind of" death "for having heard it many times the song is very hard to impress me this moment just completed 24 years of heart. Just came to the society, it was this complicated society" exercise ": every day thin. The second day early in the morning, I filed out of bed, a watch, less than 7 points. Although every night after three Wentao sinus flicker; or watching replay the first scene again after sleep, but now also used to getting up early. Look at the power guest mail no less then 4 big tobacco vowed to look. Think in the simple campus, decided after the flue cured tobacco, every day early in the morning less than 6, quietly upstairs in the brother Hu Lu sound wash your face, brush your teeth, go to the classroom, big bite ABC. But his snoring is worse than my scrub. For this thing also often two people early in the morning PK, blushing and red appearance, never worse than last year's cattle PK. But the changes of the times, when the "hard" I now reduced to the Shenzhen cubs family, while upstairs brother is now Dalian master. I'm still hearing about reading. True TMD cattle. Filed up; file open Microsoft (although we are rushing, I was in Microsoft.). Open the OUtlook. file in file finally click the inbox. Everything is so "experienced", everything is so natural. But the mood is different at this time of day. Sometimes sad, sometimes little joy Proficient in reading 4 grade mail. A moment straight to the 6 level. The guest replies, meaning I received your refund today. But what I can send you is only a little, and a little less than USD70. If you look down, the guest's explanation is hidden. The guest receives less USD30. than the original one; now he is going to remit again, and then deduct the handling fee over there. USD40. emphasizes that this is not their fault. I carefully figured out, that USD30 is the Bank of China returned to collect the fee. TMD, when I come to the fire. When the bank asked me to sign my money back, I didn't say how much it was going to pay. Just call me signature. Again, I was fooled by the Yellow food. A full deduction of USD30. is equivalent to the 1/3 of most of the bottom workers in Shenzhen. Just a little bit of mouse in the bank. USD30 is the income cyst. Even in accordance with the provisions of the need to charge fees. That USA they have only USD40 (to know that their bottom workers wages is more than USD2000), the fee is only equivalent to the bottom of the workers 1/500 ah. Say socialism every day, It seems that the white people are relatively simple now. "The guest told me about his project second days and asked me if I knew the factory or I could do it myself. Ha-ha～ Reply immediately, "We can-------------, But please send your Samles to us, then we will make the Counter Samples and send back to you for your evaluation, togethe with the best price""; Unexpectedly, the guest replied second days later, saying that he had sent it, and told me the Fedex tracking number. There was an ecstasy that fell into the fish. Contact with each other for half a year, send samples - confirm - send again - the ups and downs of which is not ordinary people can imagine. Don't tell the whole story out of a trilogy. At night, do not give up, continue to urge the guests. The trick is "knowing the consultant". If you don't receive the mail from the day before yesterday, I'll send it to you once. -- --. To think of half, did not add accessories, then open again, add accessories -- was a blunder against, made a total of 4 letters of the same mail. Dumbfounded. People who are delicate are often rough now and again. Anyway, it's going out. "Successful experience is not precious -- precious is the lesson of failure."! Because an example of failure will make me remember half a lifetime." Today, he sees the conclusion of Phoenix TV's visit to a famous entrepreneur. Now think about it. I hope everything goes well for people like me who don't have the money to throw money at the moment The second day, Outlook didn't reply. The third morning, turn on the power, turn on the computer, open the Outllok, there is. The guests asked his assistant to send me a memo. I'm going to look down. Sure enough, USD70 is missing. Americans are responsible for everything. I used to do this in the US is the leading technology in the factory. At that time, just graduated, with two certificates entered, hanging an assistant engineer position, and later think about it funny. No problem on the line. The American Operator, who came to us with help, came to help. Ha-ha～ I was asked what position I was in. I smiled and replied, "assistant engineer.". He began to take a sudden surprise. (think: he's done all his life, Operator), ha ha, if not for his 3K dollars per month / I 0. 3K dollars per month. He went to the wall. In fact. Most of the white-collar workers in China are language advantages, technical activities, ha ha! Anyway, we're just the Copy factory. The memo sent immediately to the agent. It's killing me again!