Resumen breve sobre el tema fundación de un banco

7/28/2019 Resumen breve sobre el tema fundacin de un banco

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Resumen breve sobre el tema fundacin de un banco Index bank License Tax planning via a network of international tax advisers and

attorneys Why form a company in a foreign country with a tax accountant

specialized in international tax law? Download all Company Information Basic Considerations regarding the Formation of a Bank

(Deposit Bank) Asset Management Company Belize Banking Charter/License in Belize Bank License Cayman Islands-Bank License Nevis Formation of an Asset Management in Liechtenstein Online Banking Software-SWIFT/BIC

Resumen breve sobre el tema fundacin de un banco

1. Definiciones de fundamentos jurdicos: BancoEl derecho bancario internacional es una materia jurdica extremadamente compleja. De formasimplificada se puede puntualizar como sigue: Sociedades de prestaciones de servicios financieros

en el sentido de los institutos de crdito de depsitoss, que estn sujetos a la regulacin einspeccin del Banco Central respectivo y/o a otras autoridades de inspeccin, disponiendo de unaautorizacin correspondiente para ofrecer a terceros las prestaciones de servicio financierascorrespondientes, se califican en el sentido de la palabra como Banco. stos pueden ofrecerprestaciones de servicios bancarios a personas del pas naturales y jurdicas y, por lo regular,tambin a personas fuera del Estado de la sede del banco (aqu, si bien, pueden existirlimitaciones en el derecho nacional del otro Estado).

Las condiciones previas respectivas para el permiso se regulan en las leyes de prestaciones de
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servicio financieras/leyes bancarias de los pases. En la mayora de los Estados es necesaria unadotacin de capital propio correspondiente (por ejemplo, suiza 5 millones CHF, USA 5 millonesUSD y 10 millones USD de depsito de garanta en la FED, Alemania unos. 5 millones de Euros,Cayman Island 400.000,00 CI$ etc.). Adems, la mayora de las leyes bancarias regulan lascondiciones previas para la gestin del bancola denominada capacitacin profesional (formacin profesional o estudio superior en el sector bancario, experiencia de direccin en elnivel bancario, certificado de antecedentes penales intachable, solvencia etc.), la existencia de unaactividad mercantil cualificada, las condiciones comerciales generales y las condiciones deauditora y formacin del balance.

2. Estado de la sede del banco y Estados oferentesPor favor, tenga en cuenta que en sociedades de prestaciones de servicios financieros y bancossirve el derecho del estado de la sede del banco Y el derecho del Estado oferente, o sea, elderecho del pas - o de los pasesdonde se ofrece/solicita. Una excepcin es el EspacioEconmico Europeo: Un banco en el Espacio Econmico Europeo podr ofrecer sus prestacionesde servicios en todos los dems pases del Espacio Econmico Europeo, sin un procedimientonuevo de autorizacin o permiso.

En todos los dems casos servir en principio lo siguiente:

Son comparables las regulaciones estatales y/o leyes bancarias con las del pas oferente y existeuna colaboracin, que est funcionando, entre las autoridades de inspeccin de estos estados,entonces el banco extranjero, por lo regular, podr solicitar/ofrecer sus prestaciones de servicios.Ser necesario, por lo regular, solamente un anuncio de la actividad ante las autoridades deinspeccin del Estado oferente.

3. Factores necesarios para el procedimiento de autorizacinPara la autorizacin de un banco son competentes las autoridades de regulacin/superintendenciasbancarias de los pases. Aqu la mayora de los pases tienen regulaciones comparables en elprocedimiento de autorizacin estatal y condiciones previas respecto al personal:

-Por lo regular son necesarios dos gerentes con una ciaificacin personal y profesionalsegnlas leyes bancarias de bancos. Como mnimo un gerente deber tener su domicilio comn en elEstado de la sede del banco. Si se desea, nuestro bufete podr ayudarles en la bsqueda depersonal adecuado. Las condiciones profesionales previas son por lo regular: Estudio superior oformacin profesional en el sistema bancario, experiencia de varios aos y en la direccin de unbanco

-Debern cumplirse las regulacionesBasel II/ III. Por consiguiente, en la mayora de los casoses necesaria la vinculacin a una sociedad independiente, por ejemplo, Moodys. Las tasas anualespara las sociedades revisoras de cuentas comprenden de 36.000 a 40.000 USD.

-Fondos de aseguramiento de depsitos: En la mayora de los pases la entrada en los fondos deseguridad de depsitos es voluntaria y naturalmente de sentido

-Sede Comercial ordinaria en el Estado de la sede del banco:Como mnimo es necesaria unaoficina y un empleado. Un mero Registered Office no es suficiente en ninguno de los casos,tampoco en un mero banco online

-Sociedad del banco y capital fundacional: Por lo regular la forma jurdica de la


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SociedadAnnima o la Sociedad de Responsabilidad Limitada, en muchos pases tambin laforma jurdica de la Limited. El capital de depsito mnimo, por lo regular, deber estar liberadoen la cuenta de la sociedad. Los bancos en las Cayman Islands necesitan actualmente el capitalfundacional ms bajo con 400.000,00CI$ (CI$= Dlares de Cayman Islands, unos 400.000 Euros)

-Vinculacin aSWIFT/IBAN: Es necesario como mnimo una cita en SWIFT. Se debe partir de

la base de que todo banco necesita para el servicio de pago internacional un cdigo SWIFT y/oIBAN

-Solicitud de permiso: La solicitud de permiso es muy amplia y deber presentarse antelas autoridades de inspeccin competentes. Ser necesaria como mnimo una audiencia ante

las autoridades de inspeccincompetentes.

-Sistema Online Banking e interfaces: En s hoy da necesita todo banco un sistema Online-Banking, de tal manera que los clientes de los bancos puedan gestionar sus negocios bancarios porInternet. Los costes para un sistema semejante se rigen segn oferente y mdulos y comprendende 60.000 ,00 a120.000,00 euros. Nuestro bufete puede mediar para oferentes correspondientes.

4. Sociedad de Prestaciones de Servicios Financieros Neuseeland(Nueva Zelanda) con permiso para prestaciones de serviciosbancarios

Una Sociedad de Prestaciones de Servicios Financieros Neuseeland (Nueva Zelanda) con permisopara negocios bancarios puede ofrecer servicios bancarios internacionalmente, tanto para personasprivadas como tambin para empresas por va Internet, sin limitaciones de la cifra de clientes, delimporte de los depsitos o de la cifra de las monedas. Dentro del marco de la constelacin, si bien,

debern observarse las leyes de los pases, por ejemplo, la Ley Bancariaalemana (KWG).

En la Sociedad de Prestaciones de Servicios Financieros Neuseeland (Nueva Zelanda) no se tratade una entidad financiera que est sujeta a la supervisin y regulacin de las autoridades

competentes o del Banco Central del pas. Por consiguiente, son realizables solamente cuentas debancos corresponsales, sin SWIFT/IBAN propio, sin toma de prstamo en el Banco Central. UnaSociedad de Prestaciones de Servicios Financieros Neuseeland (Nueva Zelanda), por lo tanto, nopuede ofrecer prestaciones de servicios tan fcilmente a personas en Estados terceros (por ejemplo,Espacio Econmico Europeo). Existen posibilidades de solucin que nosotros les exponemosgustosamente.

La sociedad puede poner a disposicin casi todas las prestaciones de servicios que se ofrecentambin por un banco con licencia A, si bien, en el nombre no deber llevarse la palabra Banco.Si bien, ampliaciones como Corp. de Banco o Grupo Bancario estarn permitidas. A lasactividades de un banco Online podrn pertenecer las siguientes prestaciones de servicio, pero noestarn limitadas a las mismas:

Negocios de depsitos y otorgamiento de prstamos Servicio de tarjetas de dbito y tarjetas de crdito Emisin de fianzas financieras e instrumentos financieros Servicio en el sector del Cash Management Cuentas corrientes Cuentas de cheques Cuentas de ahorro Depsitos a trmino Entrega de CDs


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Transferencias bancarias Gestin de pago Gestin de fondos

PROVISION OF FINANCIAL SERVICES - FORMATION OF A BANK -BANK LICENSE

We form companies with a bank for our clients - and/or financial services license, i.e. assetmanagement companies, primarily in the following countries:

Sweden (Swedish Credit Union)

Panama (Panama AG with Financial Services License)

Liechtenstein, Asset Management company Belize, Asset Management company New Zealand Financial Service Company with Bank Services License Switzerland and USA: Full Service Bank Full Bank Cayman Islands Banking Charter/License in Belize Germany: Securities Brokerage, Investment Bank,Full Service Bank Bank license in the EEC

(e.g. Germany, Spain, Luxemburg, Liechtenstein)

Bank License Germany In addition we offer financial service providers the issuance of their

own funds offshore.

Services Bank License- Offshore Bank License:

o Incorporation of the company of the banko

Apply for admission to hold an A-licenceo Setup of a place of business at the jurisdiction of your banko Recruiting of fit & proper personnel for the management of the bank

according to international banking law

o Connecting to a rating agency (Rating, Basel II), e.g. Moodys, S&Po Connection to Society for Worldwide Interbank Financial

Telecommunication (SWIFT, appointments at SWIFT), Swift-Code and

IBANo Connection to deposit guarantee fundo Banking Law (general terms and conditions of the bank, credit

agreements, due diligence, compliance, etc.)

o Representative offices or branches in other countrieso Tax planning and routing of dividends e.g. by setting up a holding

General Information with regard to Bank Licensing, Provision ofFinancial Services, Asset Management Companies

The licensing prerequisites differ greatly from country to country, in particular with regard torequired capital stock of the bank and/or asset management company. The basis is, as a rule, theinstallation of a stock corporation according the respective laws of the country in which thecompany is registered, in addition the installation of an ordinary company seat in the country inwhich the company is registered. This stock corporation applies for a financial service provider
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and/or bank license. An excellent alternative can be a New Zealand Bank. A New Zealand OnlineBank (correct term: New Zealand financial service provider with a banking license) both privatepersons and companies can offer bank services via the Internet without any restriction on customernumbers, deposit amounts or the number of currencies.

The fees for the foundation of a bank and/or asset management company are based on the country

in which the entity is registered and the type of services. To learn more please refer to theindividual web pages.

Tax Structure

In addition, in the formation of a bank or asset management company tax structuring plays animportant role. We take over tax structuring within the scope of the "affiliated companies", forexample foreign parent company and domestic subsidiary, formation of a foreign holding tocollect domestic dividends exempt from taxes and many more.

The Correspondent Bank (Correspondent Bank Account)

We are the only provider in Europe to provide a connection to correspondent banks in

Liechtenstein, Switzerland, Singapore or UAE.

Banking Software Online Banking

We offer our clients NexorOne online banking software for example: within the scope of theformation of a New Zealand financial services provider company with a license for bankingservices, installation of an asset management company and/or Swedish Credit Union. The fullversion of the software provides complete online banking services, it is however only available inEnglish.

-Bank License USA and Switzerland:

License fees, attorney fees: approx. 150,000.00 Euro/ USD

Capital Stock: approx. 5 Mil USD/CHF, depending on the country in which the company isregistered. USA: 10 Mil. USD at the FED.

The formation of a US INC and/or Swiss AG as the bank company with the capital stock of thebank is required.

The directors/general manager must have an education in banking (forexample: banker) and experience in the management of a bank. A nominee

director is not possible, accordingly the client would have to move his

principal residence to the country in which the company is registered and/orhire a Director who resides in the country in which the company is registered.

Further license requirements are similar to those in Germany, this includes

among other things a viable business plan, profit and loss calculation for thefirst three years, General Terms and Conditions of the bank according to thestatutory provisions, becoming a member of the investment guarantee funds,required insurances etc.

In addition to the basic foundation and license fees, the following costs can also be relevant:


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Preparation of the General Terms and Conditions (T&Cs), agreements between customers andbank, credit agreements

Homepage of the bank, Online-Banking-System

SWIFT Code, IBAN, international payment transactions, electronic communication channels and

interfaces

Connection to credit card providers, Visa-MasterCard etc.

-Securities Brokerage Bank/Investment Bank/ Full Service BankGermany:

The basis is the German Banking Act Section 32 Article. 1 et seqq. [KWG, German Banking Act].We accompany our clients from conception to the licensing of the bank (Federal FinancialSupervisory Authority, Bafin). The fees are based on the "type of financial services" and therequired services we provide. Accordingly we provide the formation of "the company of thebank", as a rule a German AG [Inc.], the provision of banking software and "tax optimization"measures.

In addition to the basic foundation and license fees, the following costs can also be relevant:

Preparation of the General Terms and Conditions (T&Cs), agreements between customers andbank, credit agreements

Homepage of the bank, Online-Banking-System

SWIFT Code, IBAN, international payment transactions, electronic communication channels andinterfaces

Connection to credit card providers, Visa-MasterCard etc.

-Financial Service Panama:

We offer you the company form of a Panama S.A. with a license to collect and

administer (invest) customer assets.With this servicewe make it possible for you to offer classic assetmanagement or financial services without banking hours and teller's windows,

with all licenses for trustee management of client moneys.

-Swiss Credit Union:

A Swedish Credit Union can legally offer services in the EU, which can normally only be offered

by fully licensed banks, such as accepting deposits, making loans, etc., as long as these servicesare provided exclusively to members of the Credit Union. A potential customer can become amember automatically, if he/she wants to open an account, applies for a loan or take advantage ofany other service provided by the Credit Union. However the legal situation has changed inSweden due to EU level provisions: Members of a Swedish Credit Union must now belong to onespecific profession / group of professions and may only be natural persons.

-New Zealand Financial Service Company with Bank Services License


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A New Zealand financial services company with license for bank services can offer services toprivate persons and companies globally without restrictions on the number of clients, the depositamounts or the number of currencies. However the laws of countries, in particular the GermanBanking Act [Kreditwesengesetz (KWG)], must be observed under this constellation.

The New Zealand Bank can provide almost all services, which can be offered

by banks with A License, however the word Bank may not be apart of thename. The service activities of a financial company are as follows, but are notrestricted to the same:

Deposits and Loans Debit Cards and Credit Cards Services Issuance of Financial Guarantees and Financial Instruments Service in the Area of Cash Management Bank Accounts Check Accounts Saving Accounts Time Deposit Account Issuance of CDs Bank Transfers Payment Processing Fund Management Investment Marketing

The company is not subject to the provisions regarding the creation of capital reserves. Directorsand shareholders can have any nationality their residence can be in any country.

-Offshore-Banks Belize and Cayman Islands

Offshore Bank Cayman Islands

In particular, the Cayman Island is an interesting location for the formation ofa bank with an A license. The stock capital is approx CI$400,000. The bankacts as a Universal Bank with its own IBAN, SWIFT Code etc. and may offer all

bank services. First a stock corporation is formed on the Cayman Islands as a

company of the bank. This stock corporation then applies for a bank licensefrom the government agency. A qualified business operation is required onthe Cayman Islands, a fully furnished office with at least one employee. An

office building with "Teller Windows" can be opened. It is true that the bankcannot act as a bank in Germany in terms of a German bank (compareGerman Banking Act [KWG]), however such bank is very attractive for

international transactions with natural persons or legal entities from other

countries. Clients, that form this type of bank, usually have clients/investors

from Middle America, Russia etc. With regard to the management of the bankone person is required, with a recognized banking education and experience

in the banking field. A Nominee solution is not possible. The general managerof the bank must be a resident of the Cayman Islands. Such that either theclient or a representative moves his/her primary residence to the Cayman

Islands or hires a General Manager who resides in the Cayman Islands. The

licensing process takes approx. 3 months. The fees are based on the servicesand are at least 120,000.00 Euro plus state fees. We can create an Internet

presence with online banking software for the bank. The banking software

costs between 14,000.00 and 65,000.00 Euro, depending on functionality. We


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will provide a corresponding provider. Office space can be selected in

advance; we will provide you with a Cayman Islands real estate agent. Our

German attorney can accompany you to the Cayman Islands in exchange forcommensurate fees.Offshore Bank Formation Belize

We can realize bank formation (A-License) in Belize by means of our cooperation law firm inBelize. Information can be requested from the competent government agencies / central bank:

BELIZE

Central Bank of Belizehttp://www.centralbank.org.bz/

Attorney General Ministryhttp://www.belizelaw.org/

In this case a stock corporation with a place of business in Belize is formed as the company of thebank. The formation fees are based on the services, they amount to approx. 70,000.00 Euro plusgovernment fees. Upon request we can provide full services in collaboration with the cooperationlaw firm located in the country in which the company is registered:

-Formation of the company, entry into the commercial registry, domiciliation,opening of a bank account

-Bank license application, submission of all applications to the competent authorities, directcommunication with the competent government agencies

-Homepage of the Bank-Online Banking Software

-Pre-selection of suitable offices space

-Visa application, residence permit

Tax planning via a network of international tax advisers andattorneys

Offshore Company Formation: Tax haven rankings
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Resumen breve sobre el tema fundación de un banco

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