Strengths and Weaknesses of Traditional Banks | 傳統銀行的優點和缺點

In Hong Kong, there are currently three different types of banking services available. These include conventional banks, virtual banks, and online payment processors. The most crucial factors to consider before selecting a service provider are safety and security. Traditional banks have advantages and disadvantages. We will determine them below

Strengths

• Providing integrated banking services: saving accounts, investing account, wealth management which are suitable for different needs
• Physical branches & ATMs: According to the report from HKMA, 1,129 branches and 3,30 ATMs are serving in Hong Kong. Meanwhile, some international banks’ branches are also providing overseas support.
• All the banks are under supervision by the Hong Kong Monetary Authority (HKMA)

Weaknesses

• Hidden charge
• Customer services may not solve the personalised needs
• Long application time

Traditional Bank Account Opening

It is strongly advised to conduct some research before selecting the bank. For instance, if a large portion of the transactions come from China, you should pick banks with Chinese heritage. Of course, before beginning the process, you must have your business’s records and proof ready.

Getting lost in applying bank account? KPC Business Centre provided 15 years of experience in company formation & opening bank account services. Whatsapp +852 9130 2236 / Email [email protected].

在香港，目前提供三種不同類型的銀行服務。 其中包括傳統銀行、虛擬銀行和在線支付網關 (Fintech)。 選擇服務提供商之前要考慮的最重要因素是安全性。 一起來看看傳統銀行的優點和缺點：

優點

• 提供綜合銀行服務：儲蓄賬戶、投資賬戶、財富管理，適合不同需求
• 實體分行及自動櫃員機：根據金管局的報告，香港共有1,129 家分行和3,30 台自動櫃員機。 與此同時，一些國際銀行的分支機構也在提供海外服務。
• 所有銀行均受香港金融管理局（HKMA）監管

弱點

• 隱藏費用
• 客戶服務可能無法解決個別的需求
• 申請時間長

在傳統銀行開戶

強烈建議在選擇銀行之前進行一些研究。 例如，如果很大一部分交易來自中國，你應該選擇具有中資背景的銀行。 當然，在開始此過程之前，您必須準備好您的業務證明。

申請銀行賬戶時迷失方向？ KPC商務中心在公司成立和開設銀行賬戶服務方面擁有15年的經驗。 Whatsapp +852 9130 2236 / 電子郵件 [email protected]。對申請銀行賬戶有問題？ KPC商務中心提供14年的公司成立和開立銀行賬戶服務經驗。 Whatsapp +852 9130 2236 / 電郵 [email protected]。