Pounce! If the monthly turnover of your personal account exceeds this amount, be careful of freezing funds! Check yourself now!

近段時間，個人帳戶大額交易監管是越來越明顯。有人因為單月銀行卡流水超300萬元，被銀行緊急凍結帳戶並要求提供資金來源證明。這種案例也是越來越多！根據相關的規定，個人帳戶如若出現資金流動異常，銀行是會自動上報至相關的監測中心。一旦出現這個問題，那麼賬戶凍結、限制交易都是小問題，嚴重的如果涉嫌“逃稅”、“洗錢”等問題，那麼是有嚴重懲罰的！同時，現在第三方支付平台的轉帳記錄也會被納入監管範圍！

1. What kind of transactions will be judged as "large transactions"?

1）現金交易：單筆或單日累計存取超5萬元

2）私戶轉帳：境外超20萬，境內超50萬元

3）公戶轉帳：超200萬

The amount of the transaction is large on the one hand, and at the same time, if the transaction situation is abnormal, there will also be risks!

2. Pay attention to the following suspicious transactions!

1) In a short period of time, funds are dispersed to be transferred in and then transferred out in a centralized manner, or centralized transfer in and then dispersed to transfer out!

2) The frequency and amount of funds received and paid are not in line with the scope of business!

3) The occurrence of a large amount of capital receipt and payment in the cycle is obviously inconsistent with the nature, business characteristics and scale of the enterprise!

4) The account that has been idle for a long time is suddenly activated, and a large amount of funds are received and paid in a short period of time!

5) Receive remittances from individuals who are not related to the operation of the business in a short period of time!

6) The amount, frequency and purpose of cash deposits and withdrawals are obviously inconsistent with their normal cash receipts and expenditures!

7) There are frequent account openings and account closures, and a large amount of funds are received and paid before the account is closed!

8) Other suspicious payment transactions

ThreeFor large-value transactions, there are a few points to pay attention to in order to be reasonable and compliant!

1. Make a clear note of the purpose of the transaction

2. Keep the contract, invoice, receipt documents, etc., and fill in the remarks column with a complete description of the nature of the transaction!

3. You can open a corporate account according to the transaction amount

As long as the large transaction is reasonable and legal, there is no need to worry about being audited! Even if it is audited, provide corresponding information such as contracts, invoices, tax payment vouchers, proof of capital flow, etc.! It's better not to use vague reasons and have a complete chain of evidence ready!

Disclaimer: The source of the article is "Tax and Enterprise Service" to understand the details of the preferential tax policies in the park, and to reduce the tax burden of enterprises, you can move to obtain