China has a universal bank card, called UnionPay, that you have to use so they can track foreign investment.
ErGo, to do any business in China, such as a Hotel, Casino or sweatshop to make clothes, you need a Chinese account at one of the 4 Nationalized banks.
Quite simple actually- it's the difference between investing in a business in China (putting money IN) versus taking kickbacks from China (taking money out). That's what you should be asking.