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申请毛里求斯银行牌照

Bank Licensing - Mauritius
银行执照-毛里求斯


About Mauritius
关于毛里求斯

Mauritius has a strong financial sector, dominated by a substantial domestic banking sector that is expanding rapidly across the region. It also boasts a thriving insurance and pension sectors, as well as a sizable offshore financial services business. The banking system is profitable, well-capitalized, and safe in general.
毛里求斯拥有强大的金融部门 ,以规模庞大的国内银行业为主导 ,并在整个地区迅速扩张。 它还拥有蓬勃发展的保险和养老金行业,以及规模可观的离岸金融服务业务。银行系统总体上是盈利的、资本充足的、安全的。
The Mauritius Stock Exchange is a pioneer in sustainability on the African continent, with the second largest market offering a dynamic debt and equity market, trading of fixed income securities and equities through investment dealers.
毛里求斯证券交易所是非洲大陆可持续发展的先驱 ,拥有第二大市场 ,提供充满活力的债务和股票市场,通过投资交易商交易固定收益证券和股票。


Geographic Location
地理位置

Mauritius is located in the Indian Ocean, about 500 miles east of Madagascar. Rodrigues Island is located approximately 340 miles east of the main island, the Cargad os Carajos Shoals are located approximately 250 miles northeast of the main island, and the Agalega Islands are located approximately 580 miles north of the main island.
毛里求斯位于印度洋 ,在马达加斯加以东约500英里处。 罗德里格斯岛位于主岛以东约340英里处, Cargad os Carajos浅滩位于主岛东北约250英里处 ,Agalega群岛位于主岛以北约580英里处


Population
⼈⼝

According to Worldometer's elaboration of the most recent United Nations data, the current population of Mauritius is 1,277,774 as of Thursday, May 11, 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11⽇(星期四) ,毛里求 斯目前的人口为1,277,774。


Language
语言

Mauritian Creole is a French-based Creole that is spoken by approximately 90% of the people. French is the language of education and the media, while English is the official language of Parliament, however MPs can still speak French.
毛里求斯克里奥尔语是一种以法国为基础的 克里奥尔语 ,大约90%的人说这种语言。毛 里求斯克里奥尔语是一种以法国为基础的克 里奥尔语 ,大约90%的人说这种语言。法语是教育和媒体的语言 ,而英语是议会的官方 语言 ,但议员们仍然可以说法语。


Law
法律

Mauritius' legal system is a combination of civil and common law practices. It is regulated by concepts derived from both the Napoleonic Code of France and English Common Law.
毛里求斯的法律体系是民法和普通法的结合。它受到来自法国拿破仑法典和英国普通 法的概念的规范。


Advantages of a Banking License in Mauritius
在毛里求斯持有银行执照的好处

1. International Reputation and Financial Hub   国际声誉和金融中心
Mauritius is a reputable international financial centre that attracts global investors and enterprises. Having a bank licence in Mauritius increases the institution's legitimacy and reputation, giving it a competitive advantage in acquiring both domestic and foreign clients.
毛里求斯是著名的国际金融中心 ,吸引着全球投资者和企业。在毛里求斯拥有银行执照增加了该机构的合法性和声誉 ,使其在获得国内外客戶方面具有竞争优势。

2. Economic and Political stability   经济和政治稳定
Mauritius has a long history of political stability, as well as an economically diverse and resilient economy. The country has continuously placed well in worldwide
indices of business ease, governance, and economic freedom. This stability and favorable business environment help to provide a favourable environment for banking operations.
毛里求斯有着悠久的政治稳定历史 ,以及经济多样化和弹性经济。该国在全球营商便利、治理和经济自由指数中一直名列前茅。这种稳定和有利的营商环境有助于为银行经营提供有利的环境。

3. International Market Access   进入国际市场
Mauritius acts as a gateway to a number of foreign markets, including those in Africa, Asia, and the Middle East. Holding a bank licence in Mauritius can allow banks to enter various markets, engage in cross-border operations, and extend their international footprint.
毛里求斯是通往许多国外市场的门戶 ,包括非洲、亚洲和中东市场。在毛里求斯持有银行牌照可以让银行进入各种市场 ,从事跨境业务 ,并扩大其国际足迹。

4. Treaties to Avoid Double Taxation   避免双重征税的条约
Mauritius has a large network of double taxation treaties with many nations. This can benefit banks that provide international banking services by enabling tax planning and minimizing tax liabilities for clients that conduct cross-border transactions.
毛里求斯与许多国家签订了避免双重征税协定。这可以使提供国际银行服务的银行受益 ,使进行跨境交易的客戶能够进行税务规划 ,并最大限度地减少纳税义务。

5. Regulatory Framework   监管框架
Mauritius has a strong financial services regulatory structure, including banking. As the central bank, the Bank of Mauritius supervises and regulates banks to ensure compliance with prudential and anti-money laundering (AML) rules. The regulatory environment seeks to preserve the financial sector's stability and integrity.
毛里求斯拥有强大的金融服务监管结构 ,包括银行业。作为中央银行 ,毛里求斯银行监督和规范银行 ,以确保遵守审慎和反洗钱(AML)规则。 监管环境旨在维护金融部门的稳定和诚信。

6. Tax Benefits   税收优惠
Mauritius banks can profit from a competitive tax environment. The country provides a variety of tax breaks, including exemptions and lower tax rates for specific banking activities. This can boost profits and attract international clients looking for tax-efficient banking services.
毛里求斯的银行可以从竞争性的税收环境中获利。该国提供各种税收减免 ,包括对特定银行活动的豁免和较低的税率。这可以提高利润, 并吸引寻求节税银行服务的国际客户。

7. Currency Conversion   货币转换
Mauritius has a completely convertible currency, making international transactions and currency exchange services easier for banks. 毛里求斯拥有完全可自由兑换的货币 ,这使得国际交易和货币兑换服务对银行来说更加容易。

8, Sector of Global Business   全球商业部门
Mauritius has a booming Global Business sector, allowing businesses to function as global headquarters, regional offices, or investment-holding corporations. Banks in Mauritius can assist these organisations by offering banking services that are tailored to their specific requirements.
毛里求斯拥有蓬勃发展的全球商业部门 ,允许企业作为全球总部 ,地区办事处或投资控股公司。
毛里求斯的银行可以根据这些组织的具体要求提供量身定制的银行服务 ,从而帮助这些组织。

9. Focus on Fintech and Innovation   聚焦金融科技和创新
Mauritius has actively promoted fintech and financial sector innovation. Banks with Mauritius licenses can take advantage of this climate to embrace technology breakthroughs, offer innovative digital banking solutions, and cooperate with fintech companies to improve their service offerings.
毛里求斯积极推进金融科技和金融业创新。拥有毛里求斯牌照的银行可以利用这种氛围 ,拥抱技术突破 ,提供创新的数字银行解决方案, 并与金融科技公司合作 ,改善其服务。



Key Facts on a Banking License in Mauritius
关于毛里求斯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:4-6个月

Regulator:Financial Services Commission
监管机构:金融事务委员会

Corporate Tax Rate:15%
企业税率:15%

Currency:Mauritian Rupee
货币:毛里求斯卢比

Capital Requirement:2, 000, 000 MUR
资本要求:两百万毛里求斯卢比

Economic Substance:Required
经济实质:需要

Paid-up Capital:1, 000, 000 MUR
实收资本:一百万毛里求斯卢比

Tax Structure:10%
税收结构:10%

Local Director/s:At least two resident directors
当地的董事:至少两名常驻董事

Local Shareholder/s:At least one shareholder
当地股东:至少一名股东

Local Registered Office:Required
本地注册办事处:需要

Local Staff:At least two staff members
当地员工:至少名工作人员

Compliance Officer:Required
合规官:需要

AML/KYC:Required
反洗钱/了解你的客户:需要

Audit:Required
审计:需要



Procedure
过程

The following actions will be taken in order to receive a licence: 为了获得牌照 ,将采取以下行动:

1. Company name application and reservation
公司名称申请及预约

2. Preparation and filing of an application for a Global Business    Company Licence to the Financial Services Commission (FSC). 准备并向金融服务委员会(FSC)提交全球商业公司牌照申请。

3. Incorporation (including incorporation documentation such as the   application for incorporation and statutory documents pertaining to the nomination of directors and the secretary)
法团成立(包括法团文件 ,例如法团成立申请书及有关董事及秘书提名 的法定文件)

4. Providing the company with a standard client constitution (M&A) 为公司提供标准客户架构 (并购)

5. Opening of the company's first Corporate Bank Account in Mauritius 在毛里求斯开设公司首个公司银行账戶 *

6. Working with our lawyer to obtain the legal certificate required for incorporation.
与我们的律师合作 ,获得公司注册所需的法律证书。

7. Putting together the statutory file
整理法定文件

8. Creating a Company Seal / Stamp
创建公司印章/印章

9. First meeting and compilation of first minutes, issue of first shares,     appointment of first officials, and preparation of register of Members, Directors, and Secretaries
第一次会议和编制第一次会议记录 ,发行第一批股票, 任命第一批官员 ,准备会员、董事和秘书名册


Other Services
其他服务

Retail Banking Services
零售银行服务

International Banking
国际银行

Trade Finance
贸易融资

Investment Banking
投资银行

Wealth Management and Private Banking
财富管理和私人银行业务

Digital Banking and Fintech Services
数字银行和金融科技服务

Fund Administration and Custodial Services
基金管理和保管事务

Offshore Services
海外服务

Treasury Services
财政服务


Requirements
需求

Draft copy of standard material contract(s) and agreement(s) to be
executed in connection with the operation of the business activity.
与经营活动有关的标准重要合同和协议草案。

Draft copy of the Operations and Compliance Manual
操作和合规手册的草稿副本

Indication as to who will be responsible to conduct due diligence checks on clients of the Applicant and confirmation that same will be kept at its registered office address
关于谁将负责对申请人的客戶进行尽职调查的指示,并确认将在其注册办公地址保存该指示

An indication of the amount of professional indemnity insurance cover that the Applicant intends to subscribe to, along with a quote from the insurer.
申请人拟投保的专业赔偿保险金额的说明 ,以及保险公司的报价。

The Applicant should inject a minimum paid-up and unimpaired stated capital and shareholders’ funds of at least Rs 50 million and submit statutory filings lodged to the Registrar of Companies evidencing same.
申请人应注入至少5000万卢比的已缴足和未减值的规定资本和股东资金 ,并向公司注册处提交法定文件证明这一点。

Detailed description of measures to be put into place with     regards to infrastructure, confidentiality, security, and safety of client information and records.
详细描述在客戶信息和记录的基础设施、保密性、 安全性方面将采取的措施。

Details of IT infrastructure to support the day-to-day operations of the Applicant
支援申请人日常运作的资讯科技基础设施详情

Draft copy of the Disaster Recovery and Business Continuity Plan.
灾难恢复和业务连续性计划的草稿副本。

Procedures for complaints handling and indication as to who will be responsible to handle complaints & the time frame within which complaints will be handled
处理投诉的程序 ,并指明谁将负责处理投诉,以及处理投诉的时限


Mauritius Banking Licence Package
毛里求斯银行执照包

1. Formation of Mauritius GBL corporation.
毛里求斯GBL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 (req.).
编写和起草叙事商业计划(要求)。

4. Prepare five-year financial projections (req.).
准备五年的财务预测(要求)。

5. Preparation and drafting of current financial statements.
编制和起草当期财务报表(要求)。

6. Preparation and drafting of personal financial statements for owners (req.).
为业主拟备及起草个人财务报表(要求)。

7. Identification and draft letters naming principal representative and auditor in Mauritius
在毛里求斯的主要代表和审计员的身份证明和信件草稿(要求)

8. Preparation and drafting application with Mauritius regulators (req.).
准备和起草毛里求斯监管机构的申请(要求)。

9. Preparation and drafting of customer agreements and disclosures.
准备和起草客户协议和信息披露。

10. Respond and draft responses to Regulator application inquiries (req.).
对监管机构申请咨询的回应和草案回应(要求)。

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(req.)
政策协议及相关文件的准备和起草(要求)

13. Facilitate and consummate IBAN and correspondent bank relationship
促进和完善国际银行账号和代理银行的关系

14. Preparation and review of bank deposit, loan and related agreement
银行存款、贷款及相关协议的准备和审核

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