Hong Kong securities companies can remit money directly to personal accounts in the Mainland, and the most important thing is to see whether the bank of the account provided by the customer is willing to accept it. Generally, China Bank or ICBC can accept it. However, there are exceptions in some areas. It will be more convenient if you have a personal bank account in Hong Kong. This is a mandatory provision of foreign exchange control. If you want to exceed the quota, you can use the quota of relatives and friends and then transfer it to your own name.
Finding a new store can help you lose money, and it usually takes about 2 hours to get to China. If you remit money to a RMB account, you don't need to charge a handling fee, because they earn the exchange rate during the exchange process, and remittance is just an extra service.
Open an account with HSBC, because at present, HSBC can directly withdraw RMB equivalent to 2W Hong Kong dollars from domestic ATMs every day, which is not included in the settlement limit of 5W US dollars. It has been calculated that 500.600W RMB can be withdrawn every year. In this case, it can also help LZ solve many problems, but it will be very troublesome. You need to go to the bank once a day, and you need to use the plus sign or the ATM of HSBC. The handling fee is generally 25 Hong Kong dollars.