2. Personal foreign exchange collection: individuals engaged in import and export trade, or individuals who need foreign exchange (such as studying abroad), need to have accounts that can be exempted from domestic foreign exchange control and foreign funds can freely enter and exit to meet daily needs.
3. Overseas asset allocation: Some mainlanders often use personal accounts outside Hong Kong for overseas home purchase, real estate, overseas investment and overseas immigration projects, and these activities need the support of Hong Kong bank accounts.
4. Buy insurance: Some mainlanders have taken a fancy to the advantages and high dividends of various types of insurance in Hong Kong. To buy insurance in Hong Kong, they need to pay a Hong Kong insurance policy and an associated account.