由罗伯特·万斯

“多少金钱应该我采取与我对中国？” 是我接受的一个共同的问题当我工作与预期老师时。 当然，对这个问题的答复真正地依靠人。 是高效维护，集会，并且继续买狂欢的人们在中国自然地花费多数金钱。 居于谁不介意骑自行车在镇附近，吃在街道和买的项目在公开市场在中国存更多金钱。 当迅速发展发生在中国，高挥金如土的人和低挥金如土的人在几乎所有中国城市地方经济发现他们的适当位置。 在我的岁月期间在中国，我遇见了数百老师在许多不同的社会经济的水平。 有些老师在中国有大量金钱和简单地工作为经验。 其他老师是`土贫寒’，但享受事实他们在根据外国人薪金的中国可以居住在更高的经济水平。 我遇见了支付重的学院贷款或每个月送育儿付款回到他们的祖国的老师。 换句话说，在国家，外国人老师经常在高要求，你不必须是富有的移动和教那里。

No matter how rich or poor one is, accessing and using money in China can be a very frustrating experience especially for someone who is not familiar with the culture or the financial system in China. Here are some tips that should help make your financial life a little easier in China.

Coming to China for your first time:
–You need to have cash on hand when you come to China. While credit cards are becoming more popular in China, you will still have to pay in cash at train and bus stations as well as at restaurants. It is not necessary to have RMB with you when you first arrive although if you happen to live close to a bank in your hometown where you can obtain RMB, then you should definitely go that route. In my experience I have found that $300 US is a good amount to have on hand when you first arrive.

–Using your ATM Card and Credit Cards is a convenient way to access money and pay for items but don’t forget that a hefty surcharge is most likely being added to your transactions, especially on ATM withdrawals. My bank for example, charges a 50 RMB transaction fee on ATM withdrawals on top of whatever extra fees I am being charged by Chinese banks.  This may not seem like a lot but it can add up quickly. Most credit card companies also charge a transaction fee; I have to pay an extra 3 percent on any international purchases I make. With that in mind, it may be worth it to look into finding credit and ATM cards that boast lower international transaction fees. I have heard that Capital One issues an ATM card that carries no fee on international purchases.

–Once you arrive at your destination, it is never wise to carry all of your cash and cards with you. Always have some back up money and even an extra credit card(if you happen to have one) stowed away in a bag. If you do have to carry a lot of money with you, make sure you put it in a safe place. This may sound ridiculous, but I have often stowed wads of cash in my socks as I walk along the streets. Wherever you are in China, your pockets are fair game for thieves; purses with long straps are also easy targets. Be smart and always be aware of where your money is.

Dealing with money while living in China:
–The easiest and safest way to handle your money in China is to open up a savings account at one of China’s many banks. Most banks will allow you to link your China bank account with a bank account back home allowing for the easy transfer of money between the two institutions.

–When you sign up for an account in China, you should be issued a bank card which can be used at ATM machines across the country (usually a 5 RMB surcharge if you are withdrawing money on another network). Most likely, your China bank issued ATM card will have the ‘UNIONPAY’ log on it allowing you to use the card at stores across China. I have found that the banking system in China is relatively safe and reliable. Be a little wary of the ATM machines, in China, however. I have heard stories of foreigners who lost hundreds of RMB when their ATM machines malfunctioned and wouldn’t return their cards. When I can, I always prefer to withdraw money the old-fashioned way; at the counter.

–Credit cards in China are still not very useful. Unlike in the West, where you can use a credit card everywhere (fast good restaurants, shopping markets, etc), there are still a relatively few amount of places that accept international cards. When I do use my international credit card, I usually find that it is more inconvenient than anything else; I used one at a Walmart a few months ago and I had to show my passport and talk with the manager. Paying with cash is much easier.

–Carrying excessive amounts of cash with you in China is never wise but it is always a good idea to have some cash with you in case of emergency. For example, during my early days in China, I would always make sure I was carrying at least enough money for a taxi ride home in case I got lost. Having some change on hand is also important in case you need to make an emergency phonecall.

–Services such as Western Union and Moneygram are available in the big cities in China but actually accessing your money can be an enormous hassle. Just because a bank supposedly participates in one of these wire transfer services does not mean that all or even most of the branches can help you. I recently attempted to retrieve 600 Dollars from a Moneygram wire transfer and after traveling to three major cities in China and being asked to go from bank branch to bank branch, I finally gave up. If someone is going to send you money, the best way is probably for them to deposit the money  in your account back home.

If you do a little planning ahead and use some common sense, using money in China is actually quite easy compared to other countries in the world. Wherever you are, you should always doublecheck your receipts and pay attention to where your salary is going and exactly how much you were paid. The financial institutions in China make mistakes just like any other countries. Pay attention and you should have little trouble dealing with the financial system in China.

Robert Vance, The China Teaching Web