Foreign exchange net inflows via personal accounts in domestic banks in 2005 have amounted 54.9 billion US dollars, the China Business News reported, citing figures from the State Administration of Foreign Exchange, reported XFN Asia.   Individual capital brought in from overseas is a major driver for yuan speculation, and some speculative funds have been brought into China illegally through personal accounts, the report said. In July 2005, when the central government announced plans to abandon the fixed yuan-dollar exchange rate, personal forex net inflows rose 75% year-on-year to 4.9 billion US dollars.