smooth-road-to-travel-china-to-australia-_-updated-february-2015

SMOOTH ROAD TO TRAVEL CHINA TO AUSTRALIA

1

I am delighted to provide the opening

comments for this well compiled and

much needed guide to the complexities,

opportunities and challenges faced by

migrants, Australian expatriates and

foreign nationals as they consider their

options for investing in Australia. Stacey

Martin has done an amazing job in

assembling a diverse group of

professionals from her Expat Advisors

Community, providing a comprehensive

guide to professional services in all the

relevant areas.

As a financial planner myself in Hong

Kong in the 1980s and 1990s, I have

seen first-hand the challenges faced by

many foreigners as they sought to

understand Australia's tax,

superannuation and social security

systems. It can be hard enough for

Australian residents to navigate without

considering the difficulties faced by

foreigners and expatriates to make

sensible investment decisions to

enhance their long term wealth and

financial security.

Foreword

Since moving to

Australia almost

twenty years ago,

there have been

many changes but

none as marked as

the last five years.

We live in the Asian

Century and as

Australia opens up

to more foreign investment and

migration over the next decade, we will

undoubtedly see further movement of

people, capital and trade between Asia

and Australia.

As a clean, safe and well regulated

environment, Australia has an important

role to play as an attractive destination

for lifestyle and business opportunities.

This guide serves as an ideal starting

point with relevant information and

insights for future investors, migrants

and returning expatriates to consider as

they contemplate their future in

Australia.

Author : David Thomas is the founder of Think Global Consulting which

facilitates business and investment between Asia and Australia.

For more information go to http://bricandchina.com/

or email [email protected]

2

中澳畅通行

就澳大利亚移民、移居海外人士、考虑在澳

投资的外国公民所面临问题的复杂性、机遇和

挑战，我很荣幸能够为这本已经编译好且读者

急需的指南提出一些开放性评论。

在组建一支多样化的顾问团队，并且收集该

顾问团队点评过的一系列重要和复杂的问题方

面，马婷（Stacey Martin) 女士做出的成绩很

了不起，她的团队为大家提供了一个重要的综

合性平台，提供相关领域的建议、服务和功能

的介绍。

在20世纪80年代到90年代，我在香港担任

理财规划师，亲眼目睹了澳大利亚出境和入境

的移民所面临的挑战，他们研究澳大利亚的税

收、养老和社会保障体系，并试图做出明智的

投资决策，以期能从长远角度增加他们的财富

和保护他们的资产。澳大利亚知名于她完善的

法律、监管和税务系统，这些令本国公民都颇

感复杂的规章制度，对于外国人来说就更难理

解了。

自从1995年移民至澳大利亚，我曾恳请国

内产业多为外籍人士提供解决的方案，但是

20年过去了，一切并没有太大改变。对于被划

分为非本地公民的人而言，澳大利亚是一个

“避税天堂”，尽管客户已经拥有良好的财务

前言

计划，他们仍可获得更为

专业的建议来投资合适领

域。通过在澳投资，未来

居民可以长期享受税收优

惠，这能够显著地提升回

报率，避免为离岸信托的

架构和交易，公司建立和

为车辆保险，这些作为在

澳境外资产的最佳持有方

式中所产生的高额花费所

拖累。

20年前当我从香港来到澳大利亚，目睹了

很多变化。在过去的三五年间，澳大利亚向更

多的外国投资和移民开放，尤其是对亚洲开

放，这成为澳大利亚最为迅速和显著的变化。

我们生活在亚洲的世纪，作为亚太地区重要的

西方发达国家，澳大利亚以其环境优美，安全

和体制完善，加上日益开放的经济，在这一区

域起到重要的作用。毫无疑问,在未来的数十年

间，我们将会看到更多移民、资本和贸易出入

澳大利亚，其中大部分将来自亚洲。

当未来的投资者、移民、归国外籍人士考

虑在澳洲生活时，这本指南将会为他们提供很

多建议。我推荐他们采纳来自相关领域专家的

建议。

作者：David Thomas先生是全球咨询思索的创始人，

旨在促进亚洲和澳大利亚之间的贸易和投资。

更多信息请浏览：http://bricandchina.com/

联系David请发邮件至：[email protected]


3

Part IObtaining the VISA

Migration Agent - prepare, lodge and

manage SIV Applications 07

Migrant Banking - open an Australian

bank account prior to arrival 09

Wealth and Investment Advice -

provide advice on SIV Complying

investment portfolios 11

Managed Funds - structure for SIV

Complying investments 13

Tax Compliance - Australian tax file

number & annual tax returns 15

Estate Succession - what powers of

attorney and transfer on death 19

Interpreters and Translation -

understand advice and documentation

for non-English speakers 21

Part IIInvesting in Australia

Buying a home - where and what to

look for 23

Banking Facilities - relationship

manager for personalised banking and

funding needs 25

Tax Compliance and Business

Advisory - business advice, tax

planning and furtherinvestments

27

Legal Advice - Commercial, property,

and cross jurisdictional 29

Buying a Business - How to go about

purchasing business 31

Valuers - for buying property or

businesses 33

CONTENTS

Part IIIMoving to Australia

Relocation Services - Concierge to

arrange housing, removals and other

personal services 35

Health Insurance - for Australian

medical expenses 37

Private Schools - options for children's

education 39

Family Law - Marriage and divorce laws

in Australia 41

Culture - Appreciating Australia's

multicultural society 43

About the Founder 45

Acknowledgements and Disclaimer 47

4

中澳畅通行

内容

第一部分获得签证

移民中介 - SIV重要投资者签证 08

银行帐户建立 - 在澳大利亚银行开户 10

财富与投资建议 - SIV所需遵守的规则 12

管理基金 - 符合SIV投资的基金结构 14

税收制度 - 澳洲税号登记及年度税收

返还 16

遗产继承 - 关于我的遗产继承及相关

委托书 20

口译和笔译 - 非英文为母语者对专业

建议及文件的理解 22

第二部分在澳大利亚投资

买房 - 去哪儿找房子,找什么样子的房子 24

金融机构 - 个性化银行服务和融资需求

之间的关系建立 26

纳税计划和商业顾问 - 业务方面的建议、

纳税计划和进一步投资的指导 28

法律咨询 - 商业、财产和跨司法管辖 30

购买生意 - 怎样购买一份生意 32

估值 - 对购买房产和投资时的建议 34

第三部分前往澳大利亚

搬迁服务 - 为搬家、公司搬运和其他

个人提供定制服务 36

医疗保险 - 澳大利亚医疗费用详解 38

私立学校 - 为孩子的教育做出选择 40

家庭法 - 在澳大利亚与结婚和离婚

相关法律的咨询 42

文化 - 欣赏澳大利亚的多元文化 44

关于创办人 46

鸣谢及声明 47


5

The Significant Investor Visa (SIV) is designed to

attract wealthy individuals to contribute to

Australia’s economic prosperity. Investment and

innovation visas have been around for some

time, including the US, Canada, Hong Kong,

New Zealand and some European countries. It

was introduced in Australia on 24th November,

2012.

With good climate and a relaxed lifestyle,

Australia is an enviable place to live and work.

It’s highly regulated and compliant financial

services sector provides comfort for business

owners and investors. For those considering

their future options, the SIV program provides a

pathway to gain Australian residency with no

language requirement, relaxed age and other

criteria.

The SIV nominations are state based, and once

the applicant is invited they must invest

AUD5,000,000 into SIV Compliant investments

for 4 years. At the end of this period permanent

residency is granted, or the temporary Visa can

be extended for a further two years twice.

As at 31 December 2014, there had been 2001

expressions of interest lodged, 1721 invitations

for State nomination, 1462 primary applications

issued and 595 primary visas granted. The

applications are coming predominantly from

China, 90%, Hong Kong, 3%, with some from

South Africa, Malaysia, Taiwan, Japan and the

UK. Half of the applications have been going to

Victoria, one third to NSW and the balance to

Queensland, Western Australia and South

Australia.

What is the Significant Investor Visa?

In looking to migrate to Australia there are a

multitude of considerations as to the most

appropriate pathway based on personal

circumstances, family and business objectives.

The aim of this booklet is to provide a guide to

navigate the local market and legislative

framework. From the initial SIV Application

process involving migration agents, banking,

investment and tax compliance, to future

opportunities to purchase a home, other

properties and business interests, and settling

into the Australian way of life. It is essential that

SIV Applicants obtain the right advice, from the

right professionals at the right time.

Stop Press: The government has recently announced changes to the investment framework to align the criteria for eligible investments with the Government's na�onal investment priori�es. The changes are designed to a�ract investment into more dynamic areas of the economy, including innova�on and high-growth companies such as venture capital and small emerging companies. Note any changes to the current framework, which includes government bonds and funds inves�ng in cash and term deposits, will not come into effect un�l 1 July, 2015.

A new category, Premium Investor Visa (PIV), would require a minimum investment of $15 million with an accelerated 12-month pathway to ci�zenship. It will be more flexible in terms of investment class, looking to a�ract excep�onal business people to Australia, including high-calibre entrepreneurs.

For more information go to the Department of

Immigration and Border Protection – Significant

investor Visa:

http://www.immi.gov.au/visas/pages/188.aspx

Author : Stacey Martin is Senior Wealth Advisor with NAB Private Wealth,

and specialises in providing personal financial advice to Australian

expatriates and Significant Investor Visa applicants.

More information on http://privatewealth.nab.com.au/nabprivate

or contact Stacey on +61 (0) 2 8220 5110

or [email protected]

6

中澳畅通行

重要投资者签证项目旨在吸引富裕人士为澳

大利亚的繁荣做出贡献。创新投资移民签证在

美国、加拿大、香港、新西兰和一些欧洲国家

已经流行一段时间了，澳大利亚在2012年12月

24日引入该项签证计划。

良好的气候、舒适的环境使得澳大利亚成为

令人艳羡的工作和生活目的地。澳大利亚完善

的管制制度和先进的金融服务领域为众多投资

者和企业主提供保障。对于考虑未来选择的人

们来说，重要投资者签证项目为人们获得澳大

利亚居住权提供了一条坦途，并且不受语言、

年龄和其它标准的限制。

重要投资者签证基于政府提名，一旦申请人

受邀后，必须为SIV投资机构注入500万澳元的

资金，四年内将被冻结。四年后，申请人可以

获得永久居留权或者临时签证可以延长4年。

至2014年12月31日，已有2001份意向书被

提交，1721份邀请基于政府提名，1462份通过

初步审查，595份初步签证被授予。这些申请绝

大部分来自中国，约占90%，其余来自马来西

亚，台湾，日本，南非和英国。其中半数人申

请去维多利亚，三分之一申请去新南威尔士，

三年分之一申请去昆士兰、西澳大利亚和南澳

大利亚。

什么是重要投资者签证？

在期望移民澳大利亚的过程中，基于个人情

况、家庭和商业目标的最佳途径，有大量问题

需要考虑。这本小册子旨在指导人们通晓当地

市场和立法结构，内容从最初 SIV 申请涉及的

移民中介、银行、投资和纳税制度解释到未来

的机遇、买房、购买其它财产、企业股份及融

入澳大利亚本土生活等。在适当的时间，从合

适的专家那里获得正确的建议非常必要。

政策更改：澳洲政府最近颁布了调整投资架

构的标准, 以配合澳洲政府国家投资项目的优先

性。这些政策的更改旨在吸引更多更具活力的

投资进入包括创新和成长迅速的公司的投资领

域，如风险投资和较小规模的新兴公司等。请

注意任何目前投资框架的改变，包括用于现金

和定期存款方式投资的政府债券和基金，直到

2015年7月1日才会生效。

新的签证类型 - 高级投资签证（PIV）要

求1500万美元的投资, 但将在12个月后获得

永久居主权。这将是更加灵活的投资类型以

希望吸引更多杰出的商业人士，包括高素质

的企业家到澳洲投资和移民。

更多信息请查阅移民和边境保护署网页-

重要签证申请人http://www.immi.gov.au/visas/pages/188.aspx

作者：马婷（Stacey Martin）是澳洲国民银行的高级理财顾问。

该银行是澳洲最大的商业银行。

访问澳洲国民银行(NAB)私人理财请浏览：

http://privatewealth.nab.com.au/nabprivate

联系马婷（Stacey）请致电：+61 (0) 2 8220 5110

或发邮件至： [email protected]


7

What is the role of a Registered Migration Agent

(RMA)?

There are over 160 different visas that a non-

Australian citizen may apply for. It is the role of the

Registered Migration Agent to determine which visa

is most appropriate for the applicants individual

circumstances.

The Significant Investor Visa (SIV) is a new visa

category which sounds simple but in practice can

be quite complex. An RMA will ensure that the

candidate meets all the prescribed regulations for

the approval of the visa application and maximise

the likely success of the application.

What is the SIV Application process?

There are two stages to the Business Innovation

and Investment VISA process:

• Stage 1: Temporary Visa - (Provisional) - subclass

188

This is a temporary residency visa which is valid for

four years from the date it is granted and requires

the following:

- Invitation: from the Minister to apply for SIV

- Nomination: by a State or Territory ment agency

- Investment:AUD5,000,000, into complying

investments

The applicant must also have a genuine and

realistic commitment to, reside in the nominated

state, live in Australia for at least 160 days over four

years during the provisional visa period and

continue their business and investment activity in

Australia after the complying investment matures.

Part I – Obtaining the Visa Application

Migration Agent

• Stage 2: Permanent Visa (Permanent) - subclass

888

This is a permanent visa and applicant must meet

the residency requirements.

What are SIV Complying Investments?

The AUD 5,000,000 must be legally acquired,

unencumbered, and used to make the complying

investment in Australia for at least four years in the

following asset classes:

1. Direct investment into a qualifying private

Australian companies, where the applicant has an

ownership interest

2. Commonwealth, state or territory government

bonds

3. Eligible managed funds in Australian assets

including infrastructure, cash, bonds, equity,

hybrids or and listed corporate debt or term

deposits issued by Australian financial institutions

4. Real property in Australia

5. Australian agribusiness

6. Annuities issued by an Australian registered life

company

Use of derivatives for portfolio management is limited to 20% of the fund value.

Regulations and Compliance

An RMA is a person who is registered with the

OMARA (Office of the Migration Agents

Registration Authority),has studied Migration Law

and is obligated to ensure that their knowledge is

up to date through Continuing Professional

Development through an industry body such as

Migration Alliance. Migration agents charge a fee

which will be quoted prior to commencement of

work on the application.

Author : Liana Allan is the founder of the Migration Alliance industry

body for migration agents in Australia.

To find a registered migration agent go to:

http://migrationalliance.com.au/find/rma/

or contact Liana on [email protected]

8

中澳畅通行

注册移民代理（简称RMA）的作用是什么？

约有160多种不同的签证供非澳大利亚居民

申请时选择，由注册移民代理决定哪种签证最

合适情况不同的个人。重要投资者签证是一种

新的签证类别，重要投资者签证(SIV)是一种新

的签证类型，听起来简单，但事实上相当复

杂。注册移民代理(RMA)将会确保候选人符合

签证申请的所有规定，最大限度保证申请成功

的几率。

重要投资者签证（简称SIV）申请过程是什么？

创新投资项目签证分两个阶段：

阶段1：临时签证（临时的）188类

这是一个临时居留签证，自签发之日起4年

内有效，需要以下条件：

邀请：由部长提出邀请，申请SIV

提名：获得州或地区政府提名

投资：在规定的投资项目中投资500万澳元

申请人必须做出真实承诺驻留在指定州，在

临时签证有效的四年内在澳大利亚停留至少

160天，制定项目的投资到期后，继续其在澳大

利亚的商业和投资活动。

阶段2：永久居留签证（永久性）888类这是

一个永久居留签证，你必须符合居住要求。

第一部分获得签证申请

移民中介

哪些是重要投资者签证（SIV）

指定的投资项目？

法定的550万澳元（多出的50万为10%之服

务税GST）且无贷款的投资，在以下资产类别

中，至少四年用于澳大利亚指定的投资项目。

1、直接投资澳大利亚合法的私人公司，申请人

在该公司享有所有权权益。

2、联邦，州或地区债券。

3、在澳资产中适合的管理基金，包括基础设

施、现金、债券、股权、混合股权或者由澳

大利亚金融机构发行的上市公司债务或定期

存款。

4、在澳大利亚的不动产。

5、澳大利亚的农业综合企业

6、澳大利亚注册人寿保险公司发行的年金

（衍生品投资组合管理的使用限定不得高于基

金值的20%）

规章与制度

注册移民代理人在移民中介注册监管局（简

称OMARA）注册备案，他们必须通过诸如移民

联盟这样的行业团体中的执照考核来更新移民

法知识，以确保他们的专业水准。在申请工作

开始前，移民代理将会对收取费用进行报价。

作者：Liana Allan 是移民联盟的创始人，在澳大利亚移民代理。

更多移民信息请浏览：http://migrationalliance.com.au/find/rma/

联系Liana请发邮件至： [email protected]


9

Why do you need a bank in Australia?

Looking to get set up in a new country, one of the

first things to get orgnised is a bank account as a

gateway to other financial and lifestyle services.

What can you do before arrival?

A number of financial institutions offer account

opening up to 12 months prior to arrival. Some will

not require an Australian address and you can

simply apply on line.

How do you start operating the account?

When you arrive in Australia, upon presenting

appropriate identification documents, you can start

using your account for withdrawals and other

transactions. Your financial institution may also offer

you credit and ATM cards that they will organise

before you arrive. You may want to ask whether

your financial institution offers migrant bankers,

personal, private or business bankers. Specialists will

connect you with other business and lifestyle

services.

Migrant Banking


Banks and other financial institutions in Australia

are regulated by the Australian Prudential

Regulation Authority (APRA).

When opening a bank account, identification

documents such as passport, Australian Drivers

license or other forms of photo ID, translated into

English, are required. Australia has strict

requirements under Anti-Monetary Laundering

(AML) and Australian Transaction Reports and

Analysis Centre (AUSTRAC).

Author : Paul Bailey Director - Migrant, Expatriate and International Student

Banking Australia NAB Private Wealth.

For more information about pre arrival banking services,

please visit www.nabgroup.com/migrantbanking

10

中澳畅通行

为什么你在澳大利亚需要一个银行帐户？

在一个新的国家安定下来，首先要安排好的

事情是银行账户，它是进入另一种金融服务和

生活服务的窗口。

抵达前你能做什么？

一些金融机构提供的账户服务可在你抵达前

12个月开户。可在网上申请，无需澳大利亚住

址。

你怎样对账户进行操作？

当你抵达澳大利亚，只要出示适当的证明身

份的文件，你就可以使用你的账户取款和交易

你的信用卡和ATM卡已经为你准备好。如你需

要银行可以安排针对个人的私人帐户和商业帐

户的服务。他们还可以为你和其它业务及生活

服务牵线搭桥。

银行帐户建立

规章和制度

澳大利亚的银行和金融机构由澳大利亚审慎

监管局（简称APRA）进行监管。在银行开户

时，需将证明本人身份的资料，如护照、澳大

利亚驾照、其它形式的照片身份证翻译成英

语，这是规定。在反洗钱组织（简称AML）和

澳洲交易报告及分析中心（简称AUSTRAC）的

要求下，澳大利亚对此有严格的监管。

作者：Paul Bailey是澳洲国民银行负责移民及国际学生银行账户设立的主管。

更多关于抵达澳大利亚前的银行服务请浏览：

www.nabgroup.com/migrantbanking


11

Why do you need a Wealth Advisor?

A wealth advisor can assist you to access financial

products and investments to achieve your financial

goals.

What does a Wealth Advisor do?

A wealth advisor works with individuals to

understand their personal goals and lifestyle

objectives, and develops a wealth strategy to

enable them to make smart financial decisions to

achieve those objectives.

Areas of advice include cashflow planning, debt

management, asset allocation, investment portfolio

management, superannuation and personal

insurances.

Working with accountants and lawyers. Wealth

advisors also provide assistance on structures such

as family trusts, estate and succession planning.

How is the portfolio constructed for an SIV

Applicant?

As the objective of the SIV program is to invest in

Australia, asset classes are limited to Australian

cash, bonds, shares and property.

These investments must be held in a managed

investment fund. Other compliant investments

Wealth and Investment Advice

include state government bonds and some active

business interests.

Whilst the range of assets is limited and some

states have specific requirements, it is still

important the applicant undergoes a risk profile

assessment to assist in constructing an appropriate

portfolio in line with their risk appetite and

objectives.

The investment solution is designed taking these

into account, cognizant of the SIV scheme

requirements, and implemented once the VISA is

granted. The portfolio is then monitored on an

ongoing basis to ensure it continues to remain SIV

compliant, and takes into account market

conditions and the applicant's investment

objectives.


Wealth advisors are authorised by Australian

Financials Services Licensees (AFSL) and will provide

you with a Financial Services Guide (FSG). A fee is

charge for preparation of the Statement of Advice

(SoA) and ongoing service. Details of investment

manager fees and administration costs are set out

in the SoA.

Wealth advisors generally have an Approved

Products List (APL) from which to select funds that

have undergone due-diligence including ratings by

specialist Research houses.







12

中澳畅通行





联系马婷（Stacey）请致电：+61 (0) 2 8220 5110


为什么你需要一名财富顾问？

在澳大利亚，个人投资者可通过咨询理财顾

问来帮助选择一些金融产品和投资以获得回

报。

理财顾问做什么？

理财顾问帮助人们理解其个人目标和生活目

标，帮助制定财富策略，帮助其做出明智的决

定，实现目标。建议的范畴包括：现金流计

划、债务管理、资产配置、投资组合管理、养

老和个人保险。

他们同会计和律师一起为家庭信托、房地产

和继任计划的构架提供建议。

对重要投资者签证申请人（SIV）而言，如何构

架证券投资组合？

重要投资者签证的目的是投资澳大利亚，资

产类别限定为澳大利亚的现金、债券、股票、

财产。

这些投资必须在管理投资基金中，其它的投

资包括政府债券与合适的商业项目。

财富和投资建议

同时资产的范围被限定，一些州有具体的要

求，申请者仍然有必要完成风险预测，以便构

架适当的投资组合，满足其风险偏好和目标。

投资方案将这些考虑在内，对重要投资者签

证的需求有一定的认知，一旦签证获批，该方

案就要实行。对投资组合进行动态监管，以确

保其保持兼容，并且考虑市场状况和申请人的

投资目标。

规章和制度

金融和财富顾问由澳大利亚金融服务许可机

构（简称AFSL）授权，为你提供金融服务指导

（简称FSG）。准备建议和声明（SoA）需要收

取费用。投资管理费用和管理成本在建议和声

明中列出来。

通常理财顾问会有一份可投资项目的报告书

( 简称APL)，并由专业的建议及研究最后给出建

议。


13

What is a managed fund?

Managed funds pool investors’ money to provide

professional investment expertise in a chosen

market. The owner of the underlying assets is the

fund manager and the investor owns a number of

units in the fund. Units are issued via a Product

Disclosure Statement (PDS). The funds unit price is

valued regularly by the fund manager, who divides

the net value of the assets by the number of issued

units.

How does a managed fund invest?

Investments can be in a particular asset class, such

as Australian shares, fixed interest or property, or

diversified across a number of sectors.

Within a sector such as Australian shares, the

manager may target large or small companies,

shares with high dividends or track a specific

market index.

An active managed fund aims to outperform the

market through buying and selling securities that

they think are going to do better than others. They

suit investors that want to focus on certain sections

of the market or want more control over the assets

they invest in.

Passive managed funds simply buy a portfolio of

assets that replicate an index, such as the All

Ordinaries for Australian shares. They are a low cost

alternative to an actively managed fund.

Managed Funds

What are the potential returns from managed

funds?

The returns on managed funds to investors reflect

movements in the underlying assets. Defensive

assets such as cash and bonds generally provide

the lowest returns, while growth assets such as

shares and property provide potentially higher

returns over the longer term, but with volatility or

variation in returns over shorter time periods.

Income - for cash this is the interest rate, and for

bonds the coupon which can be set at the outset

or vary with the general level of market interest

rates. Shares pay out a portion of the underlying

company profits in the form of dividends, whilst

property distributions reflect rental income net of

costs.

Capital Gains - shares, property and bond funds

can go up and down as they are re-valued on a

regular basis. The investors gain or loss in value is

crystalised when the asset is sold. Active funds may

distribute realised gains at the end of the financial

year as part of the regular distributions.


Australia is regarded as one of the most stringent

regulatory regimes in the world. Managed funds are

regulated by the Australian Securities and

Investment Commission (ASIC) and the Australian

Prudential Regulatory Authority (APRA) for

superannuation. The fund manager or 'responsible

entity' must be a registered Australian public

company and hold an Australian financial services

(AFS) licence. The responsible entity is regulated by

the Corporations Act.







14

中澳畅通行

什么是管理基金？

管理基金通过集中投资者的资金并提供专业

的分析，在选定的市场投资。投资者管理基金

的持有者是基金经理以及拥有相当数量单位的

基金投资者。这些单位通过产品披露声明

（PDS）发行。该基金单位价格是由基金经理

通过出具单位数量除以净值资产定期得出。

如何通过管理基金投资？

可以在一些特定的资产类别投资，如澳洲股

票，银行定存以及房地产，或多种相关领域。

比如澳洲股市，管理者可以针对是大公司还是

小公司，股价具有较高的股利或跟踪特定市场

指数来投资。

相较于其他基金，管理基金旨在通过积极购

买和出售证券来获取更高回报。他们适合那些

想要专注于市场或需要更多资产投资控制权的

投资者。

被动管理基金通过购买指数复制的资产目

录，如所有普通澳大利亚股票资产组合来获

利。他们是一种低成本的主动管理型基金的替

代方案。

管理基金

什么是从管理型基金的潜在回报？

投资者管理基金的回报率反映相关资产的变

动。防御性资产如现金和债券一般都会保证最

基本收益，同时递增型资产，如股票和房地产

会在较长时期内提供更高的潜在回报，不过在

过短时间内收益会发生波动或变化。

收入- 在现金部分这是利率，在可以设置的

债券部分则反映了随市场利率而变动的总体水

平。股票以分红形式支付投资者基金公司利润

的一部分，而财产分配反映了扣除成本后的租

金收入。

资本收益 – 通过定期估值，股票、房地产和

债券型基金的价值可能增值也可能贬值。只有

在资产出售后投资者才可判断是否盈利。作为

财政年度结束的常规分配的一部分，主动型基

金可分配现实收益。

政策与法规

澳大利亚被认为是世界上监管制度最严格的

国家之一。管理基金是由澳大利亚证券和投资

委员会（ A S I C ）及澳大利亚审慎监管局

（APRA）的养老基金共同监管。基金管理人或

“责任实体”必须是注册的澳大利亚上市公

司，持有澳大利亚金融服务（AFS）许可证。责

任实体是由公司法所规范。





联系马婷（Stacey）请致电：+61 (0) 2 8220 5110



15

Are SIV Applicants liable for tax in Australia?

Australian resident individuals and companies are

required to pay tax on their worldwide income to

the Australian Tax Office (ATO). However, individuals

holding a temporary resident visa such as the SIV

are only required to pay tax on income from

Australian investments and worldwide employment

income. They are not obligated to report or pay tax

in Australia on investments outside Australia.

Ideally temporary resident visa applicants should

meet early in the process with an Australian Tax

Agent who has cross jurisdictional experience, and

understands the scope of taxation for temporary

residents.

Tax Compliance

How much tax is payable?

If you are an Australian resident for income tax

purposes, the resident tax rates apply- see below

for tax rates to 30 June 2015. In addition you may

be liable to an additional 2% Medicare Levy and

possibly a Medicare Levy Surcharge.

Holders of a temporary resident visa who are also

considered to be a resident of Australia for income

tax purposes are taxed in Australia on Australian

sourced investment income plus worldwide

employment income.

Taxable income AU$ Resident Tax Rates

$0 - $18,200 Nil (pro-rated if less than 1 year)

$18,201 - $37,000 19c for each $1 over $18,200

$37,001 - $80,000 $3,572 plus 32.5c for each $1 over $37,000

$80,001 - $180,000 $17,547 plus 37c for each $1 over $80,000

$180,001 and over $54,547 plus 45c for each $1 over $180,000

The above rates do not include the Medicare Levy, currently 2% of taxable income. Some temporary

residents may be exempt from paying the Medicare Levy if they are from a country which does not

have a Reciprocal Health Care Agreement with Australia. Source:

https://www.ato.gov.au/individuals/income-and-deductions/how-much-income-tax-you-

pay/individualincome-tax-rates/

Taxable income AU$ Non-Resident Tax Rates(Property)

$0 - $80,000 32.5c for each $1

$80,001 - $180,000 $26,000 plus 37c for each $1 over $80,000

$180,001 and over $63,000 plus 45c for each $1 over $180,000

Temporary resident visa holders who are not present in Australia for sufficient time to be considered a

resident of Australia for income tax purposes will be considered a non-tax resident of Australia.

Withholding tax applies to most Australian sourced passive income (e.g. bank interest and dividends)

of non-residents, typically 10% for interest or 15-30% for dividend income. However in the case of

Australian taxable property, the above scale applies.

16

中澳畅通行

重要投资者签证(SIV)申请人在澳大利亚有纳税

义务吗?

澳大利亚本土的个人和企业需要就其在全球

各地的收入部分向澳大利亚税务局(ATO)纳税。

然而，持有临时居留签证的个人，如重要投资

者签证(SIV)持有者，只需就其在澳大利亚的投

资和全球范围内的就业收入纳税。他们无需报

告或者无需就在澳大利亚以外的投资部分纳

税。

比较理想的是，临时居留签证的申请人在申

请过程的早期咨询有跨行业经验的澳洲会计

师，了解临居签证居民所需纳税的范畴。

税收制度

纳税比例是多少?

如果你是一名需缴纳所得税的澳大利亚居

民，2015年6月30日前，居民所得税的纳税税

率参考下文。此外，你应当额外缴纳2%的医疗

保险税，也可能是医疗保险征收附加费。

临时居留签证的持有者也被认为是澳大利亚

的居民因为其在澳大利亚的收入被征税 — 该收

入来源于澳大利亚的投资收入加上全球范围内

的就业收入。

应纳税的收入澳元居民所得税税率

$0 - $18,200 零(少于一年的话按比例计算)

$18,201 - $37,000 超过$18,200,每澳元征收19分

$37,001 - $80,000 基数为$3,572 ,加上超过$37,000,每澳元征收32.5分

$80,001 - $180,000 基数为$17,547 ,加上超过$80,000,每澳元征收37分

$180,001 以上基数为$54,547 ,加上超过$180,000,每澳元征收45分

以上税率不包括医疗保险税，目前应税收入的2%。如果暂住居民来自没有与澳大利亚签订医疗

保险互惠协议的国家，其可能被免除征收医疗保险税。参考来源自澳大利亚税务局网站:

https://www.ato.gov.au/individuals/income-and-deductions/how-much-income-

tax-you-pay/individual-income-tax-rates/

应纳税的收入澳元非居民纳税税率

$0 - $80,000 每澳元征收 32.5 分

$80,001 - $180,000 基数为$26,000,加上超过$80,000,每澳元征收37分

$180,001 以上基数为$63,000,加上超过$180,000,每澳元征收45分

将要成为澳大利亚居民的临时居留签证的持有人如果没有在澳大利亚停留足够的时间的话，从所

得税征收的角度考虑，他将被认定为非纳税居民。预扣所得税适用于大多数非本地居民在澳大利

亚产生的被动收入。税额保留将应用于各式各样的被动收入(如银行利及及其他可能收入)，通常

是比例是10%对银行利息或15-30%对其他可能收入。


17

When is tax paid?

Australia’s financial year ends on 30th June with tax

lodgment due by 31st October. However, by using a

Registered Tax Agent to prepare and lodge the

annual tax return, not only will you ensure you

meet your Australian tax obligations and obtain all

relevant concessions and deductions, the lodgment

date can also be extended up to May of the

following year.

What happens when permanent residency is

granted?

On grant of permanent residency, a taxpayer is

deemed “to acquire” their worldwide assets for

market value at that date. It is generally

recommended that a formal valuation of assets be

obtained at that time for Australian Capital Gains

Tax (CGT) purposes. When a temporary resident visa

holder applies for permanent residency of Australia,

they are subject to Medicare Levy and Medicare

Levy Surcharge (as applicable) from that date. From

the date that a temporary resident is granted

permanent residency, they are taxed in Australia on

their worldwide income and gains.

Tax Compliance

How are Australian tax agents regulated?

Registered Tax Agents must be registered with the

Tax Practitioners Board (TPB) and are subject to

strict regulations. Accounting firms must adhere to

certain standards as regulated by the Australian

Accounting Standards Board (AASB). Accounting

firms and tax agents will generally charge fees on a

time-cost basis, and a quote can be requested prior

to the preparation of the return. The cost of

managing your tax affairs is generally tax

deductible.

Author : Alison Wood is a Principal in the Private Clients team at Pitcher

Partners Sydney with over 20 years’ experience in assisting

internationally mobile executives and families manage, en-hance and

protect their personal wealth. Go to the Pitcher Partners Sydney

website at www.pitcher.com.au or contact Alison on

+61 (0) 2 9228 2416 or [email protected].

18

中澳畅通行

什么时候纳税?

每年6月30日为澳大利亚的财政年度结算

日，税收积存截止到10月31日，通过注册税务

代理人准备并提出所得税年度申报表,不仅会使

你更容易完成你在澳大利亚的纳税义务和获得

所有相关税收优惠和减免，税收积存也可延长

到次年五月。

获得永久居住权会怎样?

被授予永久居留权的同时，纳税人被认为是

自那天起获得了全球资产市场的价值。在那

时，出于澳大利亚资本利得税(CGT)的考虑, 通

常推荐做一个正式的资产价值评估。当临时居

留签证的持有人申请永久居留权时，他们应当

从申请日起缴纳医疗保险税或医疗保险征附加

费。自授予永久居留权之日起, 他们向澳大利亚

缴纳全球范围内的收入和所得税。

税收制度

如何监管税务代理?

注册税务代理人必须在税务管理委员会

（TPB）注册登记，且接受严格的监管。会计师

事务所必须遵守由澳大利亚会计准则委员会

(AASB)指定的特定标准。会计师事务所和税务

代理人通常会计时收费，在准备返还文件前提

出报价数额。管理你的税务事宜通常是免税

的。

作者：Allison Wood 是悉尼佩屈会计事务所私人客户团队的负责人，

在协助国际高管移动和家庭管理方面有20年的经验。

更多信息请访问佩屈会计事务所的网站

http://www.pitcher.com.au/locations/sydney,

联系Alison请致电： +61 (0) 2 9228 2416

或发邮件至：[email protected]


19

If something happens to you, have you

considered what would happen to your SIV

investment portfolio in Australia?

The Chinese are well known for their strong family

values and high regard for peace and harmony

within a family. It is therefore surprising that many

do not consider Estate Planning.

Estate Planning refers to the implications and

treatment of your Australian assets if you become

unable to manage your affairs through loss of

physical or mental capacity or die. Australian assets

could include bank accounts, managed funds,

property and business interests in your personal

name, and the passing of your control in structures

such as a Trust or Company.

Who looks after your portfolio if you are sick or

injured?

You can appoint an “Attorney” to manage your

Australian financial and legal affairs by signing an

Australian Enduring Power of Attorney. This person

will have the legal right to act on your behalf if you

lose capacity.

If there is no Enduring Power of Attorney in place,

your family will need to make an application to an

Australian Government body to become your

"Financial Manager". This could take many months

to finalise, leading to: a) potential economic loss if

unable to make decisions on business dealings and

investments, or b) a dispute between your family as

to whom in the family should be appointed.

Estate Succession

What happens when you pass away?

Leaving a valid Will - ensures your Estate Planning

intentions are followed, providing certainty for you

and your beneficiaries. It is wise to make a Will in

each jurisdiction in which you hold assets.

If you don’t have a valid will - depending on the

type of Australian asset, then either the law of:

a) your nationality;

b) your domicile;

c) your habitual residence; or

d) the jurisdiction in which the asset is located will

determine:

- who has the right to administer your Australian

Estate?

- who becomes the beneficiaries of your Australian

Estate?

- tax implications, if any, for either your Estate or

your beneficiaries?

How can you get appropriate documents drafted

in Australia?

You should obtain specialist Estate planning advice

and put in place Australian Estate Planning

documents. Such documents are subject to strict

legal requirements which if not met, can deem a

document invalid. It is therefore imperative that you

obtain legal advice from an appropriately qualified

lawyer.

If you do not have a suitable representative to

nominate as your Attorney or Executor for your

Will, you can appoint an independent Trustee

company, such as National Australia Trustees

Limited.

Author : Kate Gould is a Senior Associate Estate Planning Lawyer at

National Australia Trustees Limited (“NAT”), a subsidiary Trustee

company of the National Australia Bank . Please see the NAT website at

http://www.nab.com.au/personal/investments/national-australia-trustees

or contact Kate on +61 (0) 2 8908 6126


20

中澳畅通行

作者：Kate Gould是澳大利亚国民银行的信托子公司的资深地产策划律师。

更多信息请浏览：

http://www.nab.com.au/personal/investments/national-australia-trustees

联系Kate请致电：+61 (0) 2 9808 6126


如果你生病或者去世的话，你在澳大利亚的

SIV投资组合会怎样?

众所周知, 中国人拥有强烈家庭观念和高度

重视家庭内部和平与和谐。因此，许多中国家

庭不考虑他们的遗产规划令我们十分惊讶。

遗产规划是指当你去世，或丧失能力而成

为无法通过主观意识来管理资产时，你在澳资

产去留的处理方式。澳大利亚资产可能包括银

行账户，管理基金财产和与您的个人姓名相关

联的商业利益。你通过移交资产控制权给第三

方，如信托或公司，来保证资产不会流失。

如果你生病或受伤，谁将看管你的资产？

您可以任命一名“律师”通过签署澳大利

亚"持久授权书"来管理您在澳相关金融和法律事

务。在生效条件下，他将代表你的利益行使法

律权利。

当没有签署"持久授权书"时，你的家人将

通过监护人仲裁机构来申请成为你的财政执行

人。申请时间将可能长达数月，在此过程中有

可能因为各种原因造成经济上的损失，尤其当

你家人还未获得认证前，无人拥有权利来确定

理财方式以及财产的去向。

遗产继承

当你去世时会发生什么？

留下有效遗嘱 - 将保证你的财产的去留，

为您和您的受益人提供保障。将您持有资产的

各方面写入遗嘱会是一个明智选择。

当你没有留下遗嘱时 - 法律将依据:

a）你的国籍，

b）你的户籍地，

c）你的居住地，以及

d）所在地资产法，加上你的资产种类

来决定：

- 谁拥有管理您的澳大利亚房地产的权利？

- 谁成为你的澳大利亚房地产的受益者？

- 如果有税收因素的考虑，受影响的将会

是你的房地产还是你的受益人？

你如何在澳洲起草相关文件？

你应该获得专家的遗产规划建议和周到的

澳大利亚遗产规划文件。这些文件必须满足严

格的法律规定，否则将被视为无效。所以，从

适当资格的律师处寻求法律支持是必须的。

如果你还没有一个合适的律师或委托执行

人，你可以雇佣一个独立的委托人公司，如澳

大利亚国民信托有限公司。


21

Why do you need language capabilities?

For SIV Applicants there is no requirement to speak

English, therefore for many applicants interpretation

and translation services will be required. This

ensures they are able to understand the

information provided by the various professionals,

ask questions and make informed decisions.

What is the difference between interpretation

and translation?

An Interpreter – deals with the spoken word.

Having a third party in meetings and telephone

conversations provides immediate translation of the

conversation for each participant. The two types are

Consecutive interpreter (CI) and Simultaneous

interpreters (SI). CI is the interpreter speaks after

the source language speaker has finished speaking

and SI is the interpreter renders the message in the

target language while the source language speaker

continuously speaks. CI is widely used in small to

mid-sized meetings while SI is often used in big

conferences. The accuracy of CI is usually higher

than SI, while SI due to its nature saves 50% time

than CI.

A translator – deals with the written word. There

are many documents provided from initial

engagement, to provision of written advice,

research and reports to ongoing dialogue via

written form. It is important when reviewing or

signing any document that it is explained in the

client’s native language to ensure complete

understanding. People refer to the documents as

reference communication proof, most of the time

translation requires much more accuracy and

importance on phraseology than interpretation.

Language – Interpreters and Translators

How should you access these skills?

Ÿ Bring your own – many SIV Applicants are

happy to bring along a trusted friend or family

member. However, they may not be familiar

with the process, legal or financial terms.

Ÿ Have a colleague come along – a professional

colleague who also understands the financial or

legal environment can be useful, particular

where different professionals are working

together such as a migrant or private banking

manager translating for a wealth advisor as

they have an appreciation of the process and

financial advice being provided.

Ÿ Hire a professional – this provides a level of

independence for both parties and relieves

pressure on family members or colleagues.

However it is still important that they have

some level of understanding of financial terms

to minimis the risk of misunderstandings.


Translators and interpreters should be appropriately

qualified and a member of the National Accredited

Authority for Translators and Interpreters Limited

(NAATI) in Australia. While in China this market is

not as well regulated as in Australia, there are a few

authoritative certificates that different professionals

hold including CATTI (China Accreditation Test for

Translators and Interpreters), NAETI (National

Accreditation Examinations for Translators and

Interpreters), Certificate of Shanghai Interpretation

Accreditation Test and Test for English Majors.

Author : Janey Lee, China Manager at NIHAO GLOBAL provides tailored

solutions for companies across the globe entering the Chinese market.

Services include: Interpretation, Translation, Research, Personal Assistants,

contractors and local boutique Tourism Services.

For more information go to: http://www.nihaoglobal.com/

22

中澳畅通行

作者：Janey Lee为"你好全球"的中国部经理, "你好全球"为企

业进入中国市场提供量身定制的解决方案。

服务包括：口译、笔译、研究、个人助理和本地精品游服务。

更多信息请访问 http://www.nihaoglobal.com/

为什么你需要有语言能力?

对于SIV申请人而言没有语言要求，因此他

们需要很多针对申请者懂得口笔译服务。这确

保他们能理解由各种专业人士提供的信息，提

问和做出明智的决定。

口译和笔译之间有何差异?

口译 - 处理口头的内容。在第三方会议和

电话会议中为每一个参会人员提供即时翻译。

笔译 - 处理书面内容。从最初的接触了解

到提出书面建议，通过邮件进行研究和报告，

其中涉及很多文件。当审查或者签署一些文件

时，需用申请人的母语解释以上内容，以确保

申请人能够准确理解。

语言 - 口译和笔译

你怎样获得这些技能?

自带 - 很多SIV申请人很乐意携带信赖的朋

友或者家属，但是他们并不一定熟知很多金融

术语。

同事陪同 - 携带一名懂得金融环境专业的

同事很有帮助，尤其是当不同专业的人一起工

作，例如：移民或者私人银行经理为理财顾问

翻译，因为他们对所提出的金融方面的建议有

一定的见解。

雇佣专业人士 - 这在一定程度上为双方提

供独立服务，并且减轻了家人或同事的压力。

但是他们对于金融术语必须有一定的理解力，

将误解的可能性降至最小。

规定与遵从

笔译和口译人员必须合格并且是国家认可的

权威的口译笔译有限公司(NAATI)的一员。


23

Australian housing is among the most expensive in

the world. Sydney has the most costly, with the

median house price pushing through the A$840,000

barrier in 2014, more than 15% above the national

median house price, while apartment median prices

passed $570,000. The expectation of capital growth

is one of the main reasons foreign buyers choose

Australia as the country in which to invest in

property.

Can an SIV Applicant buy property in Australia?

A holder of a temporary visa can buy a home to

live in. All applications from must be reviewed by

the Foreign Investment Review Board (FIRB), and

approval is usually granted if the buyer is residing

in Australia and wants the property to live in. FIRB

approval is also required for commercial and non-

residential property purchases of A$5million or

more. Off-the-plan apartment and townhouse can

be sold to foreign investors without FIRB approval

as long as the property developer applies in

advance for FIRB permission.

Note that under the Significant Investor Visa

regulations, investments in property are not

considered complying investments that will count

towards visa approval.

10 Steps To Buying Property in Australia

1. Finance - get approvals in place including 10%

deposit

Part II – Investing in Australia

Buying a Home

2. Research - preferred areas to suit family lifestyle,

education and work

3. Search - sales in preferred suburbs via

domain.com.au or realestate.com.au. A buyer's

agents can find the property and save time and

money

4. FIRB Approval - must be granted before the

purchase can go ahead

5. Contract of Sale - includes title search, plans,

any covenants, zoning certificate from the Land

Titles office and local council

6. Building Inspections - building and pest

inspections typically conducted before signing

7. Sale by auction - requires the buyer or their

agent to bid for the property

8. Offer and acceptance- purchaser signs contract

and pays a deposit

9. Pre-settlement- inspection of the property

carried out

10. Settlement - usually six weeks after contracts

are exchanged.

What costs are involved?

Ÿ Stamp Duty - depends on the property's value

and follows a sliding scale. For example in NSW,

stamp duty on a A$ 1 million property is

approximately A$40,000.00

Ÿ Registration Fee - paid to the Land Titles

Office for the transfer of ownership.

Ÿ Conveyance Fee - paid to solicitor or

conveyancer for the documentation necessary

for a property purchase.

Author : Anne McGoverne, BA, BSc (Architecture), MA (Heritage

Conservation) is a licensed Buyer's Agent with Relocate East which

specialises in harbourside and beach property in Sydney's

eastern suburbs. Contact Anne on [email protected]

or go to www.relocate-east.com.au

24

中澳畅通行

作者：Anne McGoverne是建筑学学士、遗产保护硕士及被认证的悉尼

买房代理。她与Relocate Estate合作，是购买港边房和海滩房方面的专家。

更多信息请浏览：www.relocate-east.com.au

联系Anne请发邮件至: [email protected]

澳大利亚的房产已跻身世界最贵房产的行

列，悉尼房价中间值在84万澳元。资本预期的

增长是外国买家选择在澳大利亚投资房地产的

主要原因之一。

SIV 申请者可以在澳大利亚买房吗?

临时签证持有人可以购买用于居住的房子

所有的申请都必须经外国投资审查委员会

（FIRB）审查，如果购买人想在澳大利亚定居

或购买需要居住的房子,他们的申请会被通过。

在购买超过500万澳元的商用地产和非住宅地产

时，同样需要外国投资审查委员会的许可。只

要房地的开发商提前向外国投资审查委员会申

请，卖给外国投资者的期房或者别墅无需该委

员会的许可。

SIV规定：投资房地产不算是指定项目的投

资,但对未来的签证通过有一定的作用。

在澳大利亚买房的 10 个步骤:

1. 资金-在该地有银行账户，存入银行10%的

保证金。

2. 研究-有意向地区,以适应家庭、教育和工作

3. 寻找-通过 www.domain.com.au 或者

第二部分在澳大利亚投资

买房

www.realestate.com.au 购买喜欢区域的

房子买房代理可以找到所需房产并且节省

时间和金钱。

4. 外国投资审查委员会(FIRB)的许可-在买房

前得到许可。

5. 销售合同-包括标题搜索、计划、任何契约

和来自土地所有权办公室和地方议会的分

区证明。

6. 建筑检查-在签署协议前对房屋和虫害进行

检查。

7. 拍卖-需要买家或其代理竞标。

8. 购买意愿确认-买家签署合同支付押金

9. 预结算-确认房子相关细节

10. 结算-在交换合同后六周。

涉及多少的费用?

印花税-取决于房产的价值,浮动计算。例如在新

南威尔士州100万澳元的房产印花税大

约是4万澳元。

注册费-支付给土地所有权办公室和所有权的转

让。

投递费-支付给律师和为房产购买者投递文件的

人员。


25

Why do you need a bank in Australia?

If you are investing or planning to buy assets in

Australia you need a local financial institution to

facilitate transactions and the various payments.

Look for a bank that will offer you the right options

and help you to make informed decisions based on

a detailed understanding of your financial situation,

objectives and risk appetite.

It is important to build a relationship with the most

appropriate specialist for your needs, from private

banking, business lending or agribusiness specialists

before setting up any borrowing facilities.

What are the types of Banking Facilities?

1) Deposits- banks have different account options

for deposit taking purposes ranging from

transaction accounts, to savings accounts and

investment accounts. Different accounts attract

different fees and pay different interest on

savings(some accounts will not pay any interest).

More importantly, you’ll need to consider the

different ways that the accounts work.

2) Transaction accounts - flexible day-to-day

banking and transactions, interest may or may be

not been paid.

3) Saving accounts - transactional savings accounts

that may have cheque and card facilities and

usually pay interest. Access via ATM, internet

banking, telephone, banking, EFTPOS or any branch.

4) Term deposits – pay a fixed interest rate for

Banking Facilities

terms ranging from 30 days to 5 years with limited

access to funds.

5) Consumer Lending - choosing the right loan to

suit your property investment will help you to

achieve the best results without placing

unnecessary constraints on your finances.

The different types of loans available are:

- Principal and interest: each loan installment will

include interest plus a payment toward reduction of

the principal loan amount, with a choice of term

(often up to 25 years).

- Interest only: generally used by investors where

the interest is tax-deductible, with a choice of terms

(often up to 5 years).

- Line of credit: a credit facility secured against a

property where you may withdraw funds up to your

limit anytime. Interest is charged on the amount of

funds used rather than the total credit limit.

Lenders may offer fixed or variable interest rates.


Australian Securities and Investments Commission

(ASIC) is the national regulator for consumer credit

and leases under the national credit legislation. The

National Credit Code contains requirements in

relation to terms and enforcement of credit

contracts and consumer leases. The National Credit

Act contains requirements for credit providers to be

licensed and to comply with responsible lending

requirements.

Author : Shannon Kong, Director Asia Strategy with NAB Private Wealth.

Go to NAB Private Wealth at http://privatewealth.nab.com.au/nabprivate

or contact Shannon on +61 (0) 477 331 892

or Email: [email protected]

26

中澳畅通行

作者：Shannon Kong是澳洲国民银行私人理财亚太战略部主管。

更多私人理财服务请浏览 http://privatewealth.nab.com.au/nabprivate

联系Shannon请致电： +61 (0) 4 7733 1892


你为什么需要一个澳洲银行?

在澳洲，如果你需要投资或计划购买资

产，你都需要一个本地的金融机构来处理款

项,达成交易。一个完善的大型银行会为您提供

正确的选项，基于对你的财务状况，目标和风

险偏好，来做出明智的决定。

重要的是在任何借贷融资之前，建立好关系

来找到最合适的专家，如私人银行，农业和商

业贷款专家。

信贷机构有哪些类型?

存款账户 - 银行对存款的目的，有交易账户，

储蓄账户和投资账户不同的帐户选项。不同的

帐户吸引不同的费用，并支付不同的储蓄利

息。更重要的是，你需要考虑的是，不同户口

的工作方式。

储蓄账户 - 灵活的实时存取交易，但是利率很

低

现金管理帐户 - 支付更高的利率的一般线上户

口，但通常不能通过ATM机存取。

定期存款账户 - 支付固定利率，期限从30 天至

5年不等。

金融机构

消费贷款 - 选择合适的贷款，以满足你的财产

投资并将确保您获得最佳的结果，并在你的贷

款时限范围内避免不必要的限制。

不同类型的贷款可以是:

本金和利息相结合 - 每次分期付款包括利息和

少量本金以使其总量逐年递减，最长可25年还

清。

只支付利息 - 通常是投资者为抵税目的而选

择,其最长期限为5年。

信贷额度 - 你可以在以实际资产抵押限额之内

随时支取金额。所收利息不以信贷总额计算，

而以实际使用额来计算。

贷款银行可提供固定或浮动利率。

政策与法规

澳大利亚证券和投资委员会(ASIC)是国家

信用立法，租赁和消费信贷的监管机构。国家

信用代码包含的条款和执行信贷合同及消费者

契约的要求有关。国家信用法案包含信贷提供

者的资格要求，贷款遵守条例及所负责任。


27

Tax Planning

As outlined in the section on tax compliance,

Australian resident individuals and companies are

required to pay tax on their worldwide income. As

such, it is critical to make sure an applicant is

paying the right amount of tax in the optimal way,

whilst ensuring income distribution and wealth

protection strategies are in place.

Obtaining professional tax structuring advice

upfront is essential. A tax structuring expert will

help:

1. Define your objectives

2. Understand your income earning potential

3. Clarify your worldwide asset base

4. Define your income distribution options

5. Understand the various structures available

according to the key points above, which may

include:

· Trusts (discretionary/unit)

· Companies

· Other suitable structures

6. Outline your ongoing record keeping and

management accounting requirements

Following this, the structure will be created and all

relevant documents lodged to enable ongoing tax

compliance to take place.

Tax Planning and Business Advisory

Business Advisory

Once settled, it is quite possible the applicant will

look to expand their investment portfolio by

making further investments in Australia.

These investments may take the form of:

Ÿ Indirect investment (through managed funds,

property trusts etc.)

Ÿ Direct investment (in shares etc.)

Ÿ Buying an existing business, starting a new

business or expanding an existing business

To ensure goals are obtained, ongoing specialist

investment and taxation advice should be sought.

In the event that an applicant wishes to expand

their portfolio through direct investment in a

business (existing or new) it is important to seek

professional help from advisers who can give

guidance with regard to legislative requirements,

competitive issues and industry dynamics in

Australia.

Ÿ Business structuring

Ÿ Business strategy and planning

Ÿ Market and industry research

Ÿ Deal selection

Ÿ Idea feasibility studies

Ÿ Pre and post deal advisory, including due

diligence

Author : Dan Pironti of Shine Wing Australia helps Chinese businesses

in Australia. Shine Wing is the largest independent accounting firm

in China. For more information go to: http://www.shinewing.com.au/

or email: [email protected]

28

中澳畅通行

作者：Dan Pironti在Shine Wing Australia任职，协助在澳大利亚的中国人

的业务发展。Shine Wing 是中国最大的独资会计事务所。

更多信息请浏览：http://www.shinewing.com.au/

联系Dan请发邮件至： [email protected]

纳税计划

正如在税收遵从部分所列出的，澳大利亚

本土的个人和公司要对其在全球范围内的收入

进行纳税。如此，确保申请人以最佳方式缴纳

适当数额的税并且确保收入分配和财富保护战

策略就显得尤为重要。

前期获得专业的税收架构方面的建议必不

可少。

税收专家将会帮你：

1. 确定你的目标

2. 清楚你的收入以及收入潜力

3. 澄清你在世界范围内的资产

4. 确定你的收入分配方式

5. 根据以上要点，了解各种各样的可行性结

构，可能包括:

a.信托

b.公司

c.其它合适的结构

6. 列出进行的内容，记录并管理会计的要求此

后，纳税结构初步确立，所有的相关文件被

寄出，确保正在进行的税务符合规定。

纳税计划和商业顾问

商业建议

一旦定下来，申请人将很有可能期望通过

进一步投资来扩大其组合投资。这些投资可以

采用以下形式：

· 间接投资(通过管理基金、房地产信托等)。

· 直接投资(股票等)

· 购买现成的业务，开创新的业务或扩大现有业

务规模

为了确保目标的实现，应当寻求持续的专

业投资和纳税方面的建议。如果申请人希望通

过对某一项业务（现存的或新的）的直接投资

扩大其投资组合的话，寻求专业顾问的帮助非

常重要，他们能够基于澳大利亚法律的规定，

竞争问题和行业动态给出指导。一些关键领域

包括：

· 业务结构

· 业务策略和计划

· 市场和行业研究

· 交易选择

· 想法的可行性研究

· 交易前后的咨询,包括法律程序


29

SIV investors and anyone looking to invest in

Australia obtains Australian legal advice. The

Australian legal system is complex and there are

specific and complex rules relating to foreign

investment.

An Australian lawyer can help SIV and other

investors to identify and set up the most

appropriate legal structure for their investment and

ensure this complies with Australian legal

requirements. If an investment does not have the

correct legal structure from the outset, it may be

difficult and costly to unwind and rectify this.

Australian legal requirements that foreign

investors should know about

Foreign investment rules - Foreign investment in

Australia is regulated by the Foreign Acquisitions

and Takeovers Act 1975 (Cth). Foreign investors

require approval prior to making certain

investments in Australia. Approvals are handled by

the Federal Treasurer who is advised by the Foreign

Investment Review Board (FIRB). Applications which

are deemed as being inconsistent with the national

interest may be blocked, or approved only subject

to conditions. You should obtain advice on these

restrictions, and assistance with liaising with FIRB to

obtain the necessary approvals.

Buying real estate-real estate in Australia is

governed by multiple state acts (for example, the

Real Property Act 1900 (NSW) and the

Conveyancing Act 1919 (NSW)). Land interests

should be properly registered. There are a number

of regulatory procedures and requirements which

must be carefully navigated to enable correct

registration of interests in the land register and

ensuring all agreements involving interests in real

Legal Advice

property are made in writing.

Setting up a business in Australia - Businesses in

Australia can be conducted through a range of

legal structures (e.g., sole traders, corporations,

partnerships, trusts, and an Australian branch of a

foreign company). Investors should obtain advice

on the optimal business structure, assistance with

setting up these structures, help to ensure proper

compliance with the relevant laws (such as the

Corporations Act), and help to ensure any structure

takes into account that investor’s tax planning

needs. A new business may need to obtain an

Australian business number, register business

names and any relevant trademarks, obtain

business licenses permits and attend to tax

registrations.

Asset protection - For high net worth individuals

and families, asset protection for their worldwide

assets is often one of the most important

considerations when setting up their investment or

business in Australia. There are a number of

protective legal structures and strategies that can

be used, which may also be effective tax planning

tools.

Contracts and agreements

In Australia, it is important for all commercial

dealings to be formalised by written legal contracts,

which are properly drafted and negotiated by

Australian lawyers. A properly drafted contract

which clearly sets out the parties’ rights and

obligations is more likely to safeguard the foreign

investor against future disputes and unnecessary

costs.

Author : Jennifer Yeo is a Special Counsel in the Private Advisory practice at

Mills Oakley Lawyers. Jennifer is experienced in advising high net worth

individuals and families, both in Australia and those coming to Australia,

on the legal and tax requirements of investing, or carrying on business in Australia.

For more information, go to www.millsoakley.com.au

or contact Jennifer on +61 2 8289 5881 or [email protected]

30

中澳畅通行

作者：Jennifer Yeo是 Mills Oakley律师事务所的一名私人咨询案例方面的检察官。

Jennifer对高净值个人和家庭提供咨询方面有着丰富的经验，主要针对在

澳大利亚和即将赴澳的投资者，在投资方面的法律和税务要求等问题的咨询。

更多的信息请浏览 www.millsoakley.com.au

联系Jennifer请致电： +61 (0) 2 8289 5881


SIV投资人和任何希望在澳洲投资的人获得

法律咨询是十分必要的。澳大利亚的法律体系

十分复杂，涉及外国投资有具体、详细的条

款。

澳大利亚律师可以帮助SIV和其他投资者确

定和建立最合适其投资的法律结构，以确保该

结构遵守澳大利亚的法律。如果一项投资从一

开始就没有正确的法律结构，该结构的展开和

更正都将变得困难且代价高昂。

外国投资者须知的澳大利亚法律要求

外国投资规定 - 在澳大利亚境内的外国投资需

遵从《外国并购和收购法案 1975 版》。外国

投资者在做出具体投资行为前需要得到批准。

由外国投资审查委员会(FIRB)提议，澳大利亚财

政部长批准。那些不符合国家利益的申请将被

退回，或者视情况而定。为了能够得到许可，

你应当对FIRB的限制和帮助等问题进行咨询，

与FIRB保持沟通。

购买房地产 - 在澳大利亚购买房产行为受多个

国家法案约束（例如:《不动产法1900版（新南

威尔士州）》和《产权交易法案1919版（新南

威尔士州)》)。恰当地对土地收益进行注册。你

必须熟知这些监管程序和要求，以便能正确登

记土地收益，确保能以书面形式出示涉及房地

产的所有的协议。

法律咨询

在澳大利亚建立公司 - 澳大利亚建立公司可以

通过一系列的法律来搭建（例如：专营商、公

司、合伙、信托、外国公司驻澳的分支机

构）。投资者应该就构建最佳的公司结构和建

立该结构所需的帮助等问题进行咨询，确保其

符合相关法律（例如《企业法》)和考虑投资者

的税收计划需求。新公司可能需要获得一个澳

大利亚的业务代码，注册企业名称和相关的商

标，获得营业执照和参加税务登记。

资产保护 - 对于高净值个人和家庭而言，当他

们在澳大利亚投资或建立公司时，保护他们在

世界范围的资产是需要他们着重考虑的事情之

一。

有一系列保护性质的法律框架及策略可作为有

效工具使用于指定纳税计划当中。

合同和协议

在澳大利亚，所有的商业来往都要签订正

式的法律合同，合同通常由澳大利亚律师起草

和谈判，这一点很重要。一份正确起草的合同

可以明确地规定双方的权利和义务，它很有可

能成为外国投资者应对未来纠纷和免去去不必

要花费的有力保障。


31

Why consider investing in an Australian

business?

Australia has a very diverse and stable economy,

reflecting the quality of its businesses on the world

stage. Foreign nationals who qualify for a

Significant Investor Visa can avail themselves of any

portion of their minimum investment in either

established or new businesses (with some

restrictions).

What is the business landscape in Australia?

According to the Australian Bureau of Statistics

there are 2.1 million businesses in Australia,

concentrated across New South Wales, Victoria and

Queensland. Around 6,000 businesses or less than

1% employ more than 200 people, and of the rest:

Ÿ 60% do not employ

Ÿ 25% employ 1 to 4 people

Ÿ 11% employ 5 – 19 people

Ÿ 4% employ 20 to 199 people

How can a potential buyer obtain access to

Australian businesses?

Business Brokers - professionals with state licenses

to act as business agents in transferring businesses

to investors. Generally will act as agents for small

and medium sized businesses.

Boutique corporate advisers - can also help

investors obtain access to businesses seeking to

Buying a Business

raise capital.

Some foreign investors seek to purchase part of a

small or medium size business in Australia, and in

doing so, negotiate an employment arrangement,

satisfy the Significant Investor Visa requirements

and bring contacts and knowledge of external

markets to the business. Migration agents will often

be able to provide visa applicants with references

to business brokers and boutique corporate

advisers.

Australia has a sophisticated securities exchange

system. The Australian Securities Exchange (ASX) is

the primary entity with which companies may list

publicly. Traditionally, share trades on the ASX were

handled manually by stockbrokers, but with the rise

of electronic trading, trades now overwhelmingly

take place on the internet via electronic brokers.


Foreign investor acquiring a substantial interest in a

business, valued above $248 million (as of

November 2014), is required to notify the Foreign

Investment Review Board (FIRB).

Author : Craig West runs Succession Plus, Australia's largest succession

planning specialist and manages exit plans end- to-end for businesses.

For more information go to: http://www.successionplus.com.au/

or contact: [email protected]

32

中澳畅通行

作者：Craig West 营运澳洲最大的生意转让及继任的专业公司

Succession Plus，协助投资者购买生意的业务交接。

更多信息请浏览：http://www.successionplus.com.au/

联系Craig请发邮件至 [email protected]

为什么考虑投资澳大利亚企业?

澳大利亚的经济多样且稳定，反映出其商

业在世界舞台上的价值。有资格申请重要的投

资者签证的外籍人士在成立公司或新企业的

（有一些限制）过程中，能利用最少投资使自

己获益。

澳大利亚的商业格局是什么?

根据澳大利亚统计局的统计，澳大利亚有

210万个企业集中在新南威尔士，维多利亚和昆

士兰。约6000家，或少于总数1%的企业雇佣超

过200人，其余的：

· 60%企业不雇佣人

· 25%企业雇佣1-4人

· 11%企业雇佣5 - 19人

· 4%企业雇佣20-199人

潜在买家如何联系澳大利亚企业?

商业中介人 - 将代理企业转交给投资者时获得

国家认证的专业人士充当商业代理人，他们通

常充当中小企业的代理人。

购买生意

高端企业顾问 - 可以帮助投资者搜寻大企业的

投资机会。

商业顾问提供通过在澳大利亚购买中小企

业的一部分业务，对就业安排进行谈判，并满

足复杂投资者签证的要求，帮助他们接触并了

解公司外部市场的知识。移民代理通常为签证

申请人推荐商业中介人和高端企业顾问。

澳大利亚拥有复杂的证券交易体系。澳大利亚

证券交易所(ASX)是主要实体,公司可能会被要求

公开与证券交易所的交易。传统意义上讲，在

澳大利亚证券交易所进行的股票交易由股票经

纪人亲自进行，但是随着电子交易的兴起，现

在绝大多数交易由电子经纪人在互联网上进

行。

规章制度

外国投资者有实质的兴趣的公司，价值超

过2.48亿美元的（据2014年11月版本），需要

通知外国投资审查委员会（FIRB）。


33

Why do you need a Valuation?

When buying an asset such as a property, business

or even artwork obtaining an independent valuation

ensures you know the real value of the asset and

that the price paid is appropriate.

A formal property valuation differs from an

estimate or appraisal provided by the selling agent

as it determines the actual value of a property from

an independent and impartial point of view.

What is a valuation used for?

Tax - many assets in Australia are subject to stamp

duty on the purchase price, and any increase in

value may incur capital gains tax when the asset is

sold. Having a formal valuation ensures appropriate

taxes are paid in line with government regulations.

Insurance – by taking our insurance for

replacement costs, in the event of fire, theft or

other risks, the property may be returned to its

original condition.

Valuations

Lending - banks generally require a valuation when

lending for property purchases, although

sometimes they will use“drive by”values instead of a

full formal valuation.

How is the asset value determined?

The valuer visits the property, and then applies

specific methodologies to come up with a final

value. The written valuation report not only

provides detail of the asset, but other associated

components such as building infrastructure, as well

as providing analysis of comparable assets and

highlights anything you should be aware of so you

can make informed decisions.


A formal valuation can only be provided by a

licenced valuer who has undertaken the necessary

education and training. In NSW the Department of

Fair Trading is responsible for registration of valuers.

A written report will be produced, and a fee

charged. Be aware of valuers who also act as selling

agents to avoid any conflict of interests.

Author : Ian Hyman is CEO of Hymans valuers who have a team of over 100

consultants around Australia and New Zealand. They provide all types of

business, property, plant and equipment valuations.

To contact Ian Hyman call +61 (0) 416 151 597

Email [email protected] or go to http://www.hymans.com.au/

34

中澳畅通行

作者：Ian Hyman 是海曼估价的首席执行官，他在澳大利亚和新西兰拥有一个超

过100人的咨询师团队。他们提供各种类型商业、地产、厂房和设备等的股价服务。

更多信息请浏览 http://www.hymans.com.au/

联系Ian请致电： +61 (0) 416 0416 59


你为什么需要估值?

当购买一项资产，比如房地产、商业甚至

艺术品时，独立的评估可以确保你知道资产的

真正价值且提出合适的购买价格。

正式的房地产估价不同于估计或销售代理

提供的评估，因为它从独立和公正的的角度确

定房产的实际价值。

估值用来做什么?

纳税 - 在澳大利亚的许多资产的购买要缴纳印

花税，在资产买卖时，任何价值的增加会导致

纳税额的增加。正式的估值可以确保你缴纳数

额适当的且符合政府规定的税。

保险 - 通过保险来替代成本，发生火灾、盗窃

或其他风险时，可使财产价值回到原有状况。

贷款 - 在购买房产时，银行通常需要估值尽管

有时他们会使用“驱动”值而不是完整的正式

评估值。

估值

资产的价值如何确定?

估价人查看财产，然后用具体方法提出最

终值。书面评估报告不提供财产的细节，但其

相关部分会强调指出所有你该清楚的东西，如

基础设施建设以及资产的比较和分析，这样你

就可以做出明智的决定。

法规和遵从

正式的估值只能由被认证的估价人进行，

他必须接受必要的教育和培训。在新南威尔士

州，公平交易部负责注册估价师。一份书面报

告的制作需收取费用。应当注意，估价师也可

作为销售代理商，从而避免任何利益冲突。


35

Why use a Relocation Service?

Destination service providers can do all the

research and background checks using knowledge

of local areas, real estate, schooling, communities,

networking groups and other services. This provides

valuable support and insights on the ground for

those looking to relocate. The benefit is to make

the move as stress free as possible and enable

individuals and families to get settled more

efficiently.

When should you engage a relocation service?

You should consider engaging a relocation service

once you are considering a move to assist you with

your pre-relocation visit. The consultant can take

you on a ‘look/see’ or orientation so that you get

an idea of where and what will be most appropriate

for your personal family situation.

How can they help?

There are a range of services available to assist with

Part III – Moving to Australia

Relocation

a smooth settlement:

Ÿ Housing - whether renting or buying, based on

your requirements, suitable properties can be

sourced, appointments made with agents, and

accompany you to each viewing to assist with

the whole process

Ÿ Schooling - source and make appointments

with appropriate schools in areas that match

your housing needs. Assist in the whole

enrolment process including removalist to

appointments.

Ÿ Manage the move - arrange for most

appropriate revival firm for your needs sourcing

competitive quotes and working through the

entire process.

Ÿ Concierge services - temporary

accommodation, setting up the home,

assistance with cars, drivers licence, white

goods, Medicare and other useful advice and

guidance.

What are the costs?

Relocation services are charged as a fee for service

basis based on the allocated number of hours for

the project.

Author : Julie Hanley is Principal, Relocation Specialists and has a team

of consultants ready to assist you with your move.

To contact Julie please email to [email protected]

or go to: www.relocationspecialsits.com.au

36

中澳畅通行

作者：Julie Hanley 是专业搬家公司的主要负责人，搬迁方面的专家，

她的顾问团队将帮助你完成搬迁。

更多信息请浏览：www.relocationspecialsits.com.au

联系Julie请发邮件至：[email protected]

为什么要使用搬迁服务?

目的地服务提供者可以利用对当地的了解

做所有的研究和背景调查，提供房地产、教

育、社区、网络通讯和其他服务。这为那些渴

望搬迁的人们提供了宝贵的的支持和见解。其

优点是尽可能使搬迁无压力，个人和家庭可以

更有效地适应当地环境。

您需要什么时候预定搬迁服务?

一旦考虑搬迁，您就应当预定搬迁服务，

帮助您做搬迁前的访问。顾问可以带您全方位

了解信息，这样你就可以掌握哪些地区最适合

您和您的家人。

第三部分前往澳大利亚

搬迁服务

他们怎样帮助?

有一系列的相关服务帮助您定居:

住房 - 根据您的需求，无论是租房还是购买，

都可以找到合适的房产。整个过程由代理人代

替你或者陪同您前往查看。

学校 - 寻找在该区域内与您的住房需求相称的

学校，并且访问适合的学校。在整个招生过程

中，帮助您和孩子访问学校。

管理搬迁 - 安排最合适的房屋翻新工以满足您

的需求，在整个过程中,帮助您选择有竞争力的

竞标价格。

搬迁服务 - 解决临时住宿问题，建立家庭和出

行方面的援助，并提供驾照获取，日用家电购

买，医疗以及其它有帮助的建议和指导。

花费多少?

搬迁服务的费用基于服务行业按照时间分配

收取。


37

Should you take out health insurance in

Australia?

The Australian Government encourages all pro-

spective visitors and residents to have adequate

health insurance cover while staying in Australia. In

addition to meeting the health requirements of

your visa application, certain temporary visas might

also require evidence of adequate health insurance

for the duration of your stay in Australia.

The Australian Government has agreements with

certain countries, called Reciprocal Health Care

Agreements (RHCA). These agreements enable

residents of those countries to receive Medicare

benefits when visiting or working in Australia. There

are no agreements currently in place with countries

in Asia.

Can you apply for private health insurance

before arriving in Australia?

You can take out overseas visitors cover before

arriving in Australia. The cover will start from the

date you provide as your arrival date, with any

waiting periods commencing when you get here.

Health Insurance

How do you choose an insurer?

A number of private health and general insurers

provide health cover for overseas visitors. Benefits

available, membership costs and eligibility can vary

between insurers.

Bupa is a leading healthcare organisation and has a

wide range of affordable, high quality private health

insurance products, and is committed to helping

international clients understand the Australian

healthcare system and choose the appropriate

cover to meet their personal circumstances.


Private Health Insurance in Australia is governed by

the Private Health Insurance Act 2007. For more

information on the requirements for visa applicants

go to: http://www.immi.gov.au/all-forms/health-

requirements/

Author : Fernando Tostado is the Migration Channel Manager

at Bupa Australia.

Check out www.bupa.com.au/overseas,

contact Fernando at [email protected]

or call Bupa directly on +61 (0) 134 135 or +61 (0) 3 9487 6400

from outside Australia.

38

中澳畅通行

作者：Fernando Tostado 是 Bupa 澳大利亚移民渠道经理。

更多信息请浏览 www.bupa.com.au/overseas

或致电 +61 (0) 134 135 澳洲境外请拨打+61 (0) 3 9487 6400

或联系Fernando请发邮件至：[email protected]

你应该在澳洲购买医疗保险吗?

澳大利亚政府鼓励所有即将入境的游客和当

地居民在澳大利亚境内拥有适当的医疗保险。

除了满足您签证申请的医疗要求，某些临时签

证可能还需要您出示在澳大利亚逗留期间的医

疗保险证明。

澳大利亚政府与某些国家签署协定，称为互

惠医疗保健协议(RHCA)。此协议使这些国家的

居民在澳大利亚工作时获得相应的医疗保险福

利。目前亚洲国家没有和澳洲签署此协议。

你能在来澳洲前申请私人医疗保险吗?

你能在抵达澳洲前购买海外访问者医疗险。

保险期限将从你预计抵达日开始起算，如你晚

于预计日期到达，仍将从预计抵达日起算。

医疗保险

如何选择保险公司?

许多私人医疗保险公司和普通保险公司提供

海外游客医疗保险。保额，会员费和保险范围

对于不同保险公司将有区别。

Bupa是澳洲最大的私人医疗保险公司，以

其价格优惠，高品质的私人医疗保险产品著

称。并致力于帮助国际客户了解澳大利亚的医

疗体系，并选择合适的险种以满足他们的个人

要求。

政策和法规

私人医疗保险在澳洲受2007版私人医疗保

险条例所规范。有关签证申请要求的更多信

息，请访问: http://www.immi.gov.au/all-

forms/health-requirements/


39

Why study in Australia?

Australia is a popular secondary education

destination for international students. In addition to

providing high- quality, internationally recognised

education, Australia also provides a safe,

comfortable and multicultural environment. An

Australian education aims to provide students with

the skills for future study and employment

anywhere in the world.

Example of a leading secondary school

Wesley College was in 2013 the top International

Baccalaureate (IB) School in Victoria and the top

coeducational IB school in Australia. It has three

campuses in Melbourne, Elsternwick, Glen Waverley

and St Kilda Road, which have enriched the lives of

thousands of young people in its 149-year history.

Past students include two Prime Ministers, 21

politicians, 35 Olympic athletes, 13 Rhodes Scholars,

five Supreme Court judges, plus many other

prominent Australian figures.

The college offers a broad curriculum, balanced

approach to learning, a concern for the whole

student and the provision of opportunities for all

Private Schools

young people to know, to do, to live with, to be

within an innovative and caring environment.

International students from all backgrounds,

countries, religions and cultures study at Wesley

because of its excellent educational reputation,

facilities and student support.

Many graduates from the College continue their

studies at major Australian universities and others

choose international universities including Oxford,

Cambridge and Harvard. Student Support Services

include International Student Coordinators at each

campus carefully selected and monitored home stay

accommodation and English language preparation

program.

What are the requirements to study in Australia?

To study in Australia you need to have a student

visa, offer letter from the educational institution,

and financial means to meet fees which vary widely.

Further details on

http://www.studyinaustralia.gov.au/global/apply-to-

study

Author : Carolyn Roney is International Admissions

Manager at Wesley College.

Check out www.wesleycollege.net

or contact Carolyn +61 (0) 3 8102 6617


40

中澳畅通行

作者：Carolyn Roney 是卫斯理学院的国际招生主管。

更多信息请浏览 www.wesleycollege.net

联系Carolyn可致电：+61 (0)3 8102 6617 ,

或发邮件至: [email protected]

为什么在澳大利亚学习?

澳大利亚是一个受国际学生欢迎的以高等

教育为目标的国家。除了提供高质量的，国际

认可的教育，她还为人们提供了一个安全、舒

适和多元文化环境。澳大利亚教育旨在为学生

提供今后能应用在世界上任何地方学习和工作

的技能。

优秀学校介绍

卫斯理学院（高中）在2013年维多利亚州

被授予国际文凭的学校中排名第一，且在澳大

利亚男女合校且授予国际文凭学校中排名第

一。它的三个校区全部位于墨尔本。在其149年

的建校史中，卫斯理学院丰富了成千上万的年

轻人的生活。往届的毕业生包括两名总理，

21名政客，35名奥林匹克运动员，13名罗兹学

者，5名最高法院大法官，以及许多其他的澳大

利亚名人。

私立学校

该学校提供宽泛的课程，平衡学习法，关

心学生并且帮助所有的年轻人明白自我、付诸

行动、合作共存，并提供一个创新和有人文关

怀的环境。因其优秀的声誉，设施和对学生的

支持，来自各种背景、国家、宗教和文化研究

的国际留学生都在此学习。

毕业后许多学选择在澳大利亚国内主要的

大学继续学习，其他人则选择国际性的大学，

包括牛津、剑桥和哈佛。对学生的支持服务包

括在每个校区为学生精心挑选国际学生协调

员、寄宿监督员和英语语言课程。

在澳大利亚求学的需求有哪些?

在澳大利亚学习，你需要申请学生签证，

来自教育机构的推荐信，金融工具以支付各方

面的花费，更多信息浏览网页

http://www.studyinaustralia.gov.au/global/

apply-to-study


41

Why you need to know about Australian family

law?

Relocating countries can place family relationships

under strain. An unfortunate and unintended

consequence of your move to Australia could be

that any divorce or relationship breakdown is

determined by Australian family law.

The rights and responsibilities arising under

Australian law concerning divorce and separation

surprise many people already resident in Australia.

For example, you don’t need to be married to have

a “spouse” under Australian family law.

What can you do?

Asset planning including from a family law

perspective is a prudent way to understand your

rights and obligations as well as minimise the stress

and costs of any financial claims that may arise

under Australian family law.

How does it work?

In the event of the breakdown of a marriage or de

facto relationship the Family Court of Australia

and/or the Federal Circuit Court of Australia can

determine various legal matters arising as a

Family Law

consequence of the relationship breakdown. These

legal matters include: care arrangements for

children; divorce (legal end of the marriage

contract); the redistribution of capital assets

(property settlement); and providing for ongoing

periodic payments from income for children and/or

former spouses (child support and spouse

maintenance). The powers of the Australian family

law courts are broad and include the power to

make whatever order is just and equitable in the

particular circumstances of each case. However, the

discretion of the courts is guided by the Family Law

Act.

Worldwide assets and income are taken into

account by the Australian family law courts. An

Order made by an Australian court about family law

matters may be enforceable against assets and or

income in places other than Australia.

Rules and regulations and compliance

The Family Law Act is a legislative provision of the

federal government of Australia. As such the law

about family breakdown is the same in all states of

Australia. The Family Court of Australia and the

Federal Circuit Court of Australia are national courts

albeit registries exist in all capital cities and many

regional centres of Australia.

Author : David Barry is an accredited specialist in family law and

a director of Gordon & Barry Lawyers Pty Ltd.

To learn more about Australian family law

visit www.gordonbarrylaw.com.au

To contact David, call +61 (0) 2 8239 5100

or email him at [email protected]

42

中澳畅通行

作者：David Barry是资深的家庭法专家及Gordon & Barry Lawyers Pty Ltd.

公司的主管。

了解更多澳大利亚家庭法请浏览：www.gordonbarrylaw.com.au

联系David请致电：+61 (0) 2 8239 5100

或发邮件至 [email protected]

为什么你需要了解澳大利亚家庭法?

移民可能会造成家庭关系紧张。你迁往澳

大利亚的一个不幸或意外的后果可能是由澳大

利亚家庭法决定离婚或者关系破裂。澳大利亚

家庭法考虑因离婚和分居产生的权利和责任让

很多定居澳大利亚的人感到吃惊，例如，在家

庭法中，同居关系仍然有“配偶”。

你能做什么?

从家庭法的角度制定资产计划是一种慎重

的方式，它可以帮助你了解自己的权利和义

务、减轻压力、将由于家庭法产生的金融债务

问题降至最小。

家庭法如何起作用?

因婚姻的破裂或事实上的关系破裂，可以

由澳大利亚家庭法院和/或澳大利亚联邦巡回法

院确定各种因关系破裂产生的法律事务。这些

法律事务包括：孩子的抚育，离婚（婚姻关系

家庭法

的法定结束）后资产的重新分配（财产协议

书）并且为孩子和前任配偶提供持续的周期性

付款(孩子的抚养和对配偶扶养义务的延续)。

澳大利亚家庭法院的权力是广泛的，并且

在每一个案子特定的情况下行使任何公平、公

正的权利。但是，法院的自由裁量权在《家庭

法》的指导下进行。

全球范围内的资产和收入都要纳入澳大利

亚家庭法院的管辖。一份由澳大利亚法院签发

的有关家庭事务问题的裁决书将会对澳大利亚

境外的资产和收入进行强制执行。

法律法规的定义

《家庭法》是澳大利亚联邦政府立法和制

定的。因此法律对家庭关系破裂的处理在澳大

利亚所有的州都是一样的。澳大利亚家庭法院

和联邦巡回法院尽管是国家法院，但在很多省

会城市和澳大利亚的区域中心城市都有设立。


43

One of the first things many notice when visiting or

moving to Australia, is that people come from

many different cultural backgrounds, especially East

Asia, South Asia, Middle-East and Europe. 43% of

the population was either born overseas (25%) or

have one parent who was born in another country.

This diversity is what many people enjoy about

living in Australia.

Dealing with different Cultures

As you are working and living in Australia, at some

stage you will find yourself interacting with people

from different cultural backgrounds, at work and in

the community. The importance of accepting

people from different cultural backgrounds and

respecting others can be a challenge for many who

are new to Australia, where they don’t have much

experience with this in their home country.

The Cultural Differences

Many people assume that Australian culture is a

mix of English and American styles – but this is not

true. Australia is a combination of many cultures

that have migrated and been living in Australia

since the 1800s. If you have stereotypes of what

Australian people do, or think, then you will face

numerous challenges in your daily life. Australia is a

very tolerant society, and openly accepts many

cultures and provides freedom for people to

Cross-Cultural Awareness In Australia

express their ideas, celebrate their customs as they

would back home, and which is often not possible

in many countries around the world.

Managing Culture in Business

If you are working in Australia, as an employee,

manager or even own the business, it is important

to learn how to adapt your communication style

and people skills to be more effective. In Australia,

you may need to have several ways of dealing with

people, depending on where they come from, their

age, and learn when to adjust your style to be

more successful.

This is an important part of management skills in

business, but also with business negotiations,

conducting meetings, how you ask staff or

colleagues for help, and even just the way you

communicate with others.

Many immigrants have lived in Australia for quite a

number of years and have already adapted to the

Australian lifestyle and culture, such as not working

excessive hours and preferring to spend the

evenings and weekends with their own family,

relaxing and enjoying the Australian lifestyle.

Cultural Advice

If you can learn to appreciate the different parts of

the multi-cultural society in Australia, adapt your

own style a little bit for other people and in various

situations, then your life and career in Australia will

be much more successful and enjoyable.

Author : Rohan Baker is the Managing Director of Berlitz Australia.

Founded in 1878, Berlitz is the world's largest language and cultural

education provider with over 550 branches in 75 countries.

Over 400 of the Fortune 500 companies use Berlitz to train their

employees and managers when working with other cultures.

For more information go to: http://www.berlitz.com.au/

or contact Rohan on [email protected]

44

中澳畅通行

作者：Rohan Baker 是Berlitz Australia总经理。

Berlitz Australia成立于1978年, 该机构是世界上最大的语言文化教育机构，

在全球75个国家拥有超过550个分支机构。

世界500强企业中超过440家聘用 Berlitz 团队培训他们的外派员工和经理。

更多信息请浏览: http://www.berlitz.com.au/

联系Rohan请发邮件至：[email protected]

访问或移居澳大利亚时，首先要注意的事

情是来自不同文化背景的人, 尤其是东亚、南

亚、中东以及欧洲的移民。澳大利亚人口的

43%在海外出生，18%的父母有一方出生在另

一个国家。多样性是许多人喜欢在澳大利亚生

活的原因。

应对不同的文化

当你在澳大利亚工作和生活时，在某个阶

段，你会发现自己在工作和团体中与来自不同

文化背景的人交流。接受来自不同文化背景的

人并且尊重他人对于初来乍到的人来说可能是

一个挑战，他们很少在故乡有这种经验。

文化差异

很多认为澳大利亚文化是英式和美式风格

的融合，事实并非如此。澳大利亚文化是自

19世纪开始的多种移民文化和本地文化的融

合。

如果你对澳大利亚人的行为方式和思考方式

有着很刻板的印象的话，那么在日常生活中，

你将面临众多挑战。澳大利亚是一个非常宽容

开放的社会，我们接受各种文化和为人们提供

自由表达自己想法的机会，庆祝他们的风俗习

惯，因为他们有可能回去自己国家生活 — 这在

许多国家通常是不可能的事情。

对澳大利亚多元文化的认识

商业中的文化管理

如果你在澳大利亚工作，作为一名员工，

经理，或者自己当老板，学会更有效地调整自

己的交际方式和人际关系技能非常重要。在澳

大利亚，你可能需要多种与人交往的方式，这

取决于对方的国籍和年龄。学习什么时候调整

你的交际方式，使自己做得更好，这是公司管

理技能中很重要的一部分，在商业谈判和组织

会议过程中也很重要，对于如何向员工或同事

求助，与他人沟通的方式而言这一点同样重

要。

许多久居澳大利亚的移民已经适应了澳大

利亚的生活方式和文化，如不愿超时工作、晚

上和周末更愿意与家人呆在一起放松和享受的

澳洲生活方式。

文化建议

如果你能学会欣赏澳大利亚多元文化社会

的各个不同部分，使自己能够适应他人和各种

各样的情况，那么你在澳大利亚生活和事业会

更加愉悦和成功。


45

Stacey Martin

CFP, Dip FP, GAICD

Specialist Wealth Advisor

– Expatriates and

Significant Investor Visa,

Asia Ambassador, NAB

Private Wealth, Sydney,

Australia

Stacey Martin is the founder of Expat Advisors

Community, and is an Ambassador for NABs Asia

Active strategy which supports business,

investment, trade and people flows between Asia

(represented in seven countries) and Australia and

New Zealand. She has a thriving practice in Sydney

of internationally connected clients, and works

closely with NAB Asia and migrant banking.

Personal Wealth Advice for Australians working

overseas

With more than 20 years experience working with

globally mobile executives and their families, Stacey

ABOUT THE FOUNDER

provides specialist advice before departure, whilst

offshore and importantly planning return. Strategies

include cash flow structuring, portfolio construction

taking into account tax implications and

opportunities, local and global superannuation

strategies, asset and risk protection, personal and

business succession and charitable structures.

Check out the White Paper “How to maximize

offshore assignments: Financial strategies for

Australian expatriates.”

Inbound Investment including Significant

Investor Visa (SIV)

Leading the wealth and investment component of

NAB's SIV Concierge proposition, Stacey provides

tailored solutions to individuals and families looking

to migrate to Australia. Partnering with industry

body Migration Alliance, specialised lawyers,

international tax experts and other professionals,

Stacey provides an integrated approach to ensure a

seamless approach for transitioning to Australia.

To Contact Stacey:

Mobile: +61 (0) 4 1312 7677

Email: [email protected]

LinkedIn: http://www.linkedin.com/in/staceymartin2

Website: www.expatadvisorscommunity.com.au

46

中澳畅通行

联系: 马婷（Stacey Martin）

电话: +61 (0)4 1312 7677

邮件: [email protected]

领英网个人介绍: http://www.linkedin.com/in/staceymartin2

悉尼外籍顾问团地网站: www.expatadvisorscommunity.com.au

马婷 Stacey Martin

专业的财富顾问 -

外籍顾问和重要投资签

证申请人, 亚洲大使及

澳洲国民银行私人财富

顾问。

马婷女士是外籍顾问团体的创始人，澳洲

国民银行的亚洲活动战略大使，该战略支持商

业、投资、贸易、亚洲国家（7个国家）与澳洲

和新西兰的人口流动。

马婷女士因其丰富的经验在全球拥有众多

客户，并且与澳大利亚在亚洲的澳洲国民银行

和移民业务有密切的联系。

关于创办人

给予在海外工作的澳洲人的财富建议

与全球跨国高管们和他们的家庭有20多年

的合作，马婷女士为人们提供出发前、离岸、

归国计划等专业的建议。

方案包括构建现金流、考虑税收影响的投

资组合和机遇，本地和全球养老政策、资产和

风险保护、个人和企业的继承以及慈善结构。

核对白皮书《给澳大利亚外籍人士的金融策

略》

包括SIV在内的对澳投资

马婷女士主导澳洲国民银行的SIV财富和投

资方面的业务，为个人和家庭移民澳大利亚，

提供量身定做的方案。

马婷女士和澳洲国民银行的SIV礼宾团队，

与移民联盟等行业组织、专业律师、国际税务

专家和其他专家合作，为人们提供整合方案，

确保成功移民澳大利亚。


47

Thank you to all the experts from a broad range of financial professions and other service providers

for taking the time to contribute their specialist expertise in compiling this educational booklet.

We have all been on a journey following introduction of the SIV program to understand inbound

investors needs, and tailor integrated services and solutions across the professions for a consistent

experience for our clients.

Also thanks to Livia Wang, Access CN for translation, design and production of the booklet. Access

CN is a Chinese Marketing and Communications specialist that helps Australian companies do

business effectively in China.

Expat Advisors Community is delighted to have brought together a range of specialist professionals

who serve the needs of inbound investors. This booklet we work has provided an insight into the

Australian financial services landscape to make the journey from China to Australia as smooth as

possible.

Stacey Martin, Founder

Expat Advisors Community

ACKNOWLEDGEMENTS AND DISCLAIMER

This booklet comprises sections that have been prepared by various “Authors” as at 1 January, 2015. No Author is responsible for the content prepared by other Authors. Changes may occur after the preparation date that may impact on the accuracy of the information in this booklet. No Author on his/her own behalf or on behalf on any organisation of which he/she is part gives any warranty, makes any representation as to, or accepts responsibility for, the accuracy, reliability, timeliness or completeness of the information in this booklet now or in the future.

Any advice in this booklet is of a general nature only and has not been tailored to your personal circumstances. Do not rely on this booklet as the basis for making any investment, financial or other decision. Please seek personal, professional advice prior to acting. If any financial products are referred to in this booklet, you should consider the relevant Product Disclosure Statement or other disclosure material before making an investment decision in relation to that financial product. Past performance is not a reliable guide to future returns.

Although the authors of the sections titled Migrant Banking, Wealth and Investment Advice, Managed Funds, Estate Succession and Banking Facilities are employees of National Australia Bank Limited, ABN 12 004 044 937, AFSL and Australian Credit Licence 230686 (“NAB”), they do not represent the opinions of NAB or any of its other employees or representatives.. Neither NAB nor any of its related bodies corporate (“Group”) gives any warranties or makes any representations as to the accuracy, reliability or completeness of this document or the information contained in it. All implied warranties and conditions are excluded, except those that cannot lawfully be excluded. None of the Group are liable to you for any losses, damages, liabilities, claims or expenses (including legal costs), whether direct, indirect or consequential and howsoever caused (including, without limitation by negligence), suffered or incurred by you arising out of any information contained in or omitted from this document or any reliance by you on this information. This limitation does not exclude liability which is implied by law and cannot lawfully be excluded. While Stacey Martin is an employee and representative of NAB and a licensed financial adviser in Australia, she is not licensed in Hong Kong, Singapore, Japan, China, India, Vietnam or any other jurisdictions outside Australia.

48

中澳畅通行

Access CN（寰唐）是在澳专注中文市场

营销和公关的专业公司，致力协助澳洲本地企

业销售其产品或专业服务到大中华地区。

结合市场营销的特点，Access CN根据

不同客户需求为其制定个性化的营销策略，

并为客户提供销售过程中各种关于文化和营

销手段的咨询。如有需求，Access Cn可代表

我们的客户与贸易放进行沟通谈判以争取最

大利益。

Access CN（寰唐）以构建连接中澳间

经贸往来的桥梁，并为贸易双方促成交易达

成共赢为公司目标。

Access CN Marketing and Communications Pty Ltd

Access CN （寰唐）市场营销和公关有限公司

Access CN is a Chinese Marketing and

Communications specialist that helps

Australian businesses selling either

products or service to Greater China.

We provide customized marketing

solutions supported by Chinese media

content. We also help our clients with

consultation on Chinese business

conversion through the selling process

and on behalf of them when it comes

to negotiations as requested. Access CN

aims to bridge business between

Australia and China to help generate

significant results for both parties.

Livia Wang is the founder and Director

of Access CN.

Website: www.accesscn.com.au

Telephone: +61 (0) 2 8667 3064,

+61 (0) 432 104 234

Email: [email protected]

Livia Wang (王芃)

Access CN创办人及总经理

网站 : www.accesscn.com.au

电话: +61 (0) 2 8667 3064

+61 (0) 432 104 234

电邮 : [email protected]

smooth-road-to-travel-china-to-australia-_-updated-february-2015

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