Call a local travel agent they will help you with your visa, I suggest Image travel and Tours ont he 6th Floor of Manil Pavillion and taft, they do not push their clients to buy tickets from them, and its the cheapeast among all the travel agencies around, a bank certificate is definitely required, you can use an atm acct with at least 50K in it you can deposit the 50k today request for the bank cert today and withdraw your money tomorrow, you can call your local bank and they wil explain how it works. it's actuallyn easy to get a chinese visa you just have to be patient and really determined