As the U.S. Citizenship and Immigration Services (USCIS) is not responsible for the investment actions of investors, but only for reviewing the legality of projects and the immigration applications of investors, the U.S. government has consistently emphasized that investment risks should be borne by the investors themselves. Any denial of the risks associated with U.S. investment immigration funds is misleading and dangerous.
Classified by the sources of risk, the financial risks of U.S. investment immigration can be mainly divided into two categories: moral hazard and operational risk. Moral hazard is primarily seen in some undercapitalized private enterprises, whose true purpose of attracting immigrant investments is not for business development, but rather for raising funds. With the increasing regulation of regional centers by USCIS, such risks have been effectively controlled; operational risk, on the other hand, is an unavoidable risk that coexists with a market economy and is a common concern for everyone.
After 20 years of ups and downs, U.S. investment immigration has basically formed a dichotomy between investment-type immigration projects and loan-type immigration projects. The former emphasizes profit but carries significant risks (generally does not provide any guarantees for repayment), while the latter is similar to bank lending, emphasizing the safety of the principal (generally uses collateral), and its operational risk is relatively smaller. According to U.S. law, once a business enters bankruptcy liquidation, the first priority is tax payments, the second priority is investment immigration funds, and only after that are employee wages, along with sufficient collateral, ensuring the safety of the funds is adequately protected.
WorldWay Immigration Agency recommends that applicants concerned about the security of their funds should choose investment immigration projects that involve direct government investment, are already operational, have banks willing to finance loans, and where the borrowing enterprises have stable profitability, as these options present a relatively higher safety factor. Additionally, selecting a trustworthy and professional intermediary is also crucial; a good intermediary has already conducted a screening process for investors before introducing and promoting projects.
Currently, there are over 100 regional centers approved by USCIS, offering a wide variety of investment projects. The selection process tests both investors and immigration intermediaries, and choosing regional centers that involve government investment and management is a model worth promoting.
In projects with direct government investment, the state government generally contributes more than 50%, with the remaining funds shared by the parent company of the borrowing enterprise and the EB-5 investment immigration applicants. All investment funds are placed into a government-designated bank supervision account for unified management, protecting the investment funds according to banking law agreements.
