本人破產期滿已超過八年、但一直未拿破產解除證明書、我現在可以開銀行户口嗎？我現在的遣散費要充公嗎？謝謝?

1. Yes. However, a bank can still refuse you based on:

a. You don't have the proof of discharge (some banks require that); or,

b. You have a bad history there (i.e. the banks took a loss because of your prior bankruptcy).

2. Maybe.

First, your severance payment will have to be offset by MPF employer contribution, if elected by the employer. Depending the length of the employment, as the remaining severance payment can be earned during your bankruptcy, the Receiver may be entitled to recover certain portion.

It is best if you report the Receiver and confirm.