Interesting I just transferred from my Beijing bank 350000 rmb directly to my step daughters account in Canada where she is studying and living. No special conditions. Did this twice last year. I arranged everything over the phone with docusign .... Got text it was sent and three days later confirmation. I also do all my Chinese taxes and living as a none resident Canadian.
I use to have a Bank of America credit card that you could pay via construction bank ... I would over pay it.