3.8.6 外国银行账户Foreign bank accounts
希望在其他国家/地区进行或接收定期付款的公司，可能能够开设自己的外国账户。这些公司在其国内银行的代理银行开立账户，或者，如果其银行由同一银行集团的另一成员或分行在国外代表，则可以在该集团成员或分行开立账户。在外国开立账户将受到当地银行账户规则和适用于外国公民账户的任何外汇管制的约束。
A company that expects to make or receive regular payments in another country may be able to open its own foreign account(s). Such companies open an account with their domestic bank’s correspondent bank or, if their bank is represented in the foreign country by another member of the same banking group or by a branch, then an account can be opened with that group member or branch. Opening an account in a foreign country will be subject to any local rules governing bank accounts and to any exchange controls applicable to accounts belonging to foreign nationals.
如果该公司的国内银行是在其与之进行交易的国家/地区有代表的一组银行的成员，则开设外国银行账户可能是管理和转移资金的最有效手段。例如，一家在国外设有子公司的银行可以提供一项服务，使持有该子公司的外国账户的客户能够立即在两国之间转账，并在线提供付款指示。
If the domestic bank of the company is a member of a group of banks with representation in the country with which it is trading, opening a foreign bank account can be a most efficient means of managing and transferring money. For example, a bank with a subsidiary abroad may offer a service that gives its customers with foreign accounts held with that subsidiary the ability to transfer money instantly between the two countries, giving payment instructions online.
外国银行还可以提供专业服务，如零平衡，净额结算，清扫等 – 所有这些都使公司能够优化其现金状况。
The foreign bank may also offer specialised services such as zero‑balancing, netting, sweeping, etc –all of which enable a company to optimise its cash position.