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From February 20, 100000 cases of public to private will be strictly investigated?But these 8 kinds of public to private legal, financial security and bold turn!

2021-02-23

Recently issued by the people's Bank of China Notice of the people's Bank of China on carrying out pilot project of large amount cash management The full text is attached, It is decided to carry out large cash management pilot projects in Hebei Province, Zhejiang Province and Shenzhen city from July 2020

(photo source: Official Website of the people's Bank of China)

It marks that China's cash management has entered a new era. After learning, the main content of this article is analyzed as follows!



one

New deal of banking
Ten problems that financial personnel should focus on

Focus!The ten key contents are summarized as follows:  

one

Time and place


Pilot time Two years, since two thousand and twenty year seven In January, Hebei Province began to pilot 。two thousand and twenty Since October, 2001, Zhejiang Province and Shenzhen city began to carry out pilot projects.


two

Starting point of amount


one Corporate account: The starting point of management amount is 50 Ten thousand yuan.

two Private account: The starting point of management amount is 10% in Hebei Province Ten thousand yuan, Zhejiang Province 300000 yuan and 200000 yuan in Shenzhen.

From the analysis of the content of the document, the starting point of the amount includes both single payment and The accumulated period should be one natural day

three

How to monitor


The cash withdrawn and deposited by the customer above the starting amount shall be registered at the time of business handling, and the withdrawal of large amount shall be made by appointment.At the same time, commercial banks should report relevant information to the central branches of the people's Bank of China.

four

Strictly check the evasive behaviors such as splitting, cash hiding and posting!


Some people say Only 100000 will be monitored. Can I split it into small amounts?You are being paranoid.

We will formulate preventive measures against such situations as separation, concealed cash posting, and "fake large cash transactions", Both the single transaction exceeding the threshold amount and multiple transactions exceeding the threshold amount are monitored


five

Physical traceability of cash


That's a big deal!It is estimated that many people can't sleep after watching it!

The pilot banks have taken into account the centralized data collection requirements of the people's Bank of China's crown number and the requirements of large amount cash monitoring to guide the banking financial institutions to achieve the goal The information of the access business above the starting point is related to and traceable to the prefix number of the cash object

To put it bluntly, for cash deposit and withdrawal above the starting point, the crown number of each RMB physical object should be associated with the access business information.For example, who took it, when it was taken, where it was taken, who deposited it, where it was deposited, and when.

six

Information will be shared


Strengthen the analysis level of large amount cash, analyze the information of large cash business submitted by banking financial institutions by industry, purpose and amount, master the flow direction of large amount cash, and predict the risk of large amount cash business.On the premise of ensuring the security of personal information and strictly regulating the use of information, Communicate and share information with relevant departments
It is also quite powerful to exchange and share information with relevant departments, Some time ago, we have seen the tripartite cooperation between tax, police and bank in some areas. By monitoring the bank accounts of taxpayers, they are handed over to the tax authorities for inspection

seven

Management measures for specific industries and specific areas


one Hebei Province, focusing on Real estate industry In particular, Xingtai City commercial housing pre-sale funds.
two Zhejiang Province, focusing on Wholesale and retail, real estate sales, construction, automobile sales Industry, focus on the authenticity of cash withdrawal and subsequent use.
three Shenzhen, focusing on Using personal account to control operating income and expenditure To subdivide the sources and uses of operating income and expenditure of individual accounts, and to monitor the overseas RMB cash business.

eight

Personal cash income report


Select suitable cities in pilot areas and explore Starting from the leaders of some state organs and state-owned enterprises and institutions, we should promote these individuals to report the transaction nature and amount of cash income above a certain amount 。 

nine

It is likely to be extended to the whole country


The significance of this policy is to lay the foundation for the establishment of a long-term mechanism for large amount cash management, that is to say, through the pilot projects in three provinces and cities, we can summarize and accumulate experience, and then it may be promoted to the whole country.

ten

What is the impact on individuals and businesses


It will not affect the normal and reasonable demand for cash.

Some professionals said that this large amount of cash management is only limited to the management of cash deposit and withdrawal. Bank transfers, including public to public, public to private and private to private, are still subject to the administrative measures for large sum transactions and suspicious transaction reports of financial institutions (order of the people's Bank of China) 3 of 2016).



two

Public to private

These eight situations are legal!Financial confidence to turn boldly!



Situation 1: A Co., Ltd. will transfer the 600000 yuan in the corporate account to Pay the wages one by one every month Through the bank on behalf of each employee's personal card, a limited company has fulfilled the obligation of withholding individual income tax in accordance with the law.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!


Situation 2: A belongs to a sole proprietorship enterprise, The company will regularly transfer the profits after deducting the expenses and paying the business income tax to the person in charge of the sole proprietorship enterprise through the corporate account.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!

Situation 3: A limited company will account for the 60000 yuan for business trip After returning from the business trip, the company shall report the actual expenses and refund the more and make up for the less.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!


Situation 4: A limited company will account for the 1 million yuan to individual shareholders The 1 million yuan is already the dividend income after paying 20% of the dividend.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!

Situation 5: Approved by a limited company The public account pays the lecture fee of 100000 yuan In the teacher's personal card, the 100000 yuan has already been the after tax payment of the labor remuneration.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!

Situation 6: A Co., Ltd. purchased a batch of articles from individuals, with the amount of 200000 yuan, We have obtained the invoice issued by the natural person in the tax department, A limited company transfers 200000 yuan of payment to the personal card of natural person through the corporate account.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!

Situation 7: A limited company transferred 100000 yuan into Mr. Liu's personal card through corporate account, This 100000 yuan is used to repay the company's previous loans to individuals.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!

Situation 8: A limited company transferred 80000 yuan into Wang's personal card through corporate account, This 80000 yuan is used to pay Wang's liquidated damages and compensation.

Reminder: It is allowed that the money on the public account is transferred to the private account!never mind!



three

Policy reference
Collection and forwarding for future reference
Reference 1: According to the measures for the administration of RMB bank settlement accounts, the following funds can be transferred into individual bank settlement accounts:
1. Salary and bonus income.
2. Service income such as contribution fee and performance fee.
3. Principal and income of bond, futures, trust and other investment.
4. Income from the transfer of personal creditor's rights or property rights.
5. Personal loan transfer.
6. Securities trading settlement funds and futures trading margin.
7. Inheritance and donation.
8. Insurance claims, premium refund, etc.
9. Tax refund.
10. Sales income of agricultural, sideline and mineral products.
11. Other legal funds.
Reference 2: The measures for the administration of large sum transactions and suspicious transactions reports of financial institutions (order of the people's Bank of China [2016] No. 3) stipulates that financial institutions shall fulfill the reporting obligations of large amount transactions and suspicious transactions, submit reports of large amount transactions and suspicious transactions to the China Anti Money Laundering Monitoring and Analysis Center, and accept the supervision and inspection of the people's Bank of China and its branches.


four

                                                      Important reminder to boss and accountant
one Bank tax sharing information
Bank and tax information has been shared. Now, if the tax authorities need to master the capital changes in private accounts, it is no longer so difficult.
From 2020, the cooperation between financial institutions and tax and anti money laundering institutions is bound to increase. Frequent capital transactions between the boss's private account and the company's public account will be monitored.Tax supervision has no outside the law, tax evasion will be strictly investigated!

two Big data comparison and analysis
There is no need to say much about the strength of Jinshan's tax system.The system will automatically compare and analyze whether the business operation is abnormal, whether the invoice and declaration data are true.
Under dynamic monitoring, once there is an exception, such as low tax rate, the system will automatically alert.No need to report, the tax bureau in the office to know which enterprises may be suspected of tax evasion.

three It's absolutely impossible to make false invoices
The tax department has established a big data monitoring mechanism with the latest tax classification code and taxpayer identification number. This year, more enterprises may be identified for falsely issuing invoices due to historical arrears. Please abide by the tax laws and regulations.At the same time, high wages, multi-channel, multi-type income will face severe investigation!

four All business owners should be warned:
Don't use personal bank account to hide company income and pay less tax!

Otherwise, once investigated, it is a small matter to make up the tax payment, and a large amount of overdue fine and tax administrative fine should be paid. If a crime is constituted, it is necessary to bear the criminal responsibility and take it seriously!
Encounter not to listen to the accountant dissuade, continue the above illegal behavior of the company and enterprise boss, had better leave as soon as possible!The accountant also has the family to have the room to have the ache, holds sells the white powder heart, takes sells the cabbage money, who is easy?


The content in this paper is for reference only.





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