The central bank issued new regulations, and personal deposits and withdrawals exceeded 65,438+10,000.

The central bank urgently reminds: suspend the implementation of "personal access to more than 50,000 cash needs to be registered"! In addition, from March 1 day, the personal collection codes of WeChat and Alipay cannot be used for business collection! Besides.

The latest notice from the central bank!

"Personal deposit and withdrawal of more than 50,000 cash requires registration" pause!

New Deal

"Personal access to more than 50,000 cash requires registration"

Recently, the People's Bank of China, the Insurance Regulatory Commission of the Bank of China and the China Securities Regulatory Commission jointly issued the Administrative Measures on Customer Due Diligence of Financial Institutions and Preservation of Customer Identity Data and Transaction Records, which was originally scheduled to take effect on March 1 2023, but its implementation has been suspended due to technical reasons.

Key points in the document:

In this regard, the person in charge of the relevant departments of the People's Bank of China said that the main purpose of implementing the 1 Order is to prevent and curb illegal and criminal activities such as money laundering and protect people's financial security and interests. It will not affect the normal cash deposit and withdrawal business of residents. In general, financial institutions do not need customers to fill in information or provide supporting materials. Financial institutions can directly handle cash deposit and withdrawal business for customers and register relevant information through simple inquiry. Only when the transaction is obviously abnormal and there are reasonable reasons to suspect that the transaction is suspected of money laundering and other illegal and criminal activities, will they get further information from customers.

Next, the People's Bank of China will guide financial institutions to formulate detailed implementation rules. While earnestly fulfilling the anti-money laundering obligations, strictly implement the minimum and necessary principles of knowing the information of registered customers, so as not to increase the burden on customers. Especially the elderly and other groups that use more cash.

Heavy! From March 1,

Personal collection code cannot be used for business collection!

Recently, the People's Bank of China issued the Notice of the People's Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Services (Yinfa [2021] No.259):

It is mentioned that bar code payment has also been included in the supervision, and specific provisions have been made on the use of bar codes for personal collection, which will be implemented on March 1 2023.

Key points:

1. Restrict remote collection of personal collection code (the reverse side of the collection code line cannot be used).

2. Personal receipt codes shall not be used for business receipts.

3. Classify and manage payment bar codes, distinguish between individuals and special merchants, and include those with business activities in the scope of special merchants;

It is required that from March 1 day, 2023, a bank card acceptance terminal can only correspond to one special merchant. In addition, the remote collection of personal payment codes is restricted (mainly for frequent violations such as running, gambling and electric explosion). ); Personal collection code shall not be used for business collection; Bar codes should be classified and managed; Distinguish between individuals and special merchants, and include those with business activities in the scope of special merchants.

To sum up, this document strengthens the payment supervision and the management of merchants' access to the network to a certain extent, which can largely avoid the occurrence of illegal acts. Reasonable and compliant exhibition industry is the right way. It's not easy to pay, but do it and cherish it.

Personal private account receipts are frequently checked!

The fine for paying taxes is as high as more than 4 million!

Case 1:

Recently, the tax bureau successfully investigated and dealt with a private tax evasion case through big data.

Through the use of big data analysis and risk early warning, combined with the golden tax phase III system, Tianyancha, natural person electronic tax bureau, etc. Comprehensive analysis and judgment, locking Xiao Moumou suspected of tax evasion risk.

Basic information of the case

(a) the basic situation of the respondents

Xiao Moumou is the executive partner of Partnership Hospital A, with a shareholding ratio of 87.37%, and the partner of Partnership Hospital B has a shareholding ratio of 5%.

(2) Major illegal facts

First of all, under-counting income and tax evasion. The accounting management of a partnership hospital in Xiao partnership is chaotic and the cost accounting is not true. From 2015 to 2020, the recorded income is 9 1048600 yuan, the actual income of the cashier system is 10 14 12200 yuan, and the hidden underreported income is 10363600 yuan. Xiao's personal contribution accounts for 87.37%, and his personal income tax.

Second, the authenticity of the expenses cannot be verified. When the partnership hospital pays, there are direct payments to individuals, direct payments to units, private accounts and public accounts, which cannot be distinguished. In addition, there are still a large number of current accounts unpaid, and enterprise accounts have not been processed, so it is difficult to determine the authenticity of their costs.

Third, public accounts and private accounts are mixed. A shareholder of a cooperative hospital transferred a large sum of money to two of them through the company account. Shareholder Tan Mou 1 transferred RMB 25,825,600 from the company account to himself. Tan Mou2 and the legal person are husband and wife, and both of them transferred RMB 20.8 million from the enterprise account. By the time of inspection, the transferred funds included the purchase of medicines and equipment, the payment of wages and the purchase of company office buildings.

The East owes tens of millions.

(four) the results of treatment and punishment

1. Processing result: Due to the false accounts, the personal income tax of 2,834,300 yuan was paid back from the production and operation and 6,543,800+044,000 yuan was paid back from the equity transfer. From the date of unpaid taxes, a late payment fee of 0.5% of unpaid taxes will be added daily.

2. Punishment result: Xiao was fined 0.5 times of personal income tax141720,000 yuan for concealing the income from production and operation.

Case 2:

A company in Guangdong used employees' private accounts, WeChat, Alipay and cash to collect customers' decoration money, but none of them were credited to the company account. At the same time, the company employs accountants to declare and pay taxes only according to a small number of entries in the company's account.

After investigation, the company evaded the payment of value-added tax of 65,438+084,989.06 yuan, urban construction tax of 65,438+02,949.23 yuan and tax evasion of 65,438+097,938.28 yuan, accounting for 97.49% of the tax payable.

Finally, Zhang Moumou, the legal representative of the company, and Zeng Moumou, the chief financial officer, were each sentenced to fixed-term imprisonment of 10 month and fined.

It can be seen from the above cases that it is no longer feasible for enterprises to evade taxes through private accounts, WeChat, Alipay and cash.

Starting today, the tax bureau will take five measures to monitor the collection of private households!

Enterprises should be cautious!

1. Multi-sectoral information exchange and information sharing

Bank and tax information have been enjoyed, and it is no longer so difficult for the tax bureau to grasp the changes in private accounts when necessary.

Tax inspection should not only rely on the officially launched Golden Tax Phase III and Golden Tax Phase IV systems, but also rely on the support of third-party forces-banking, land, housing construction, public security, civil affairs, social security, transportation, industrial and commercial management and other departments to conduct tax inspection.

2. One person, one tax number and one file.

Now it is not only a tax number of enterprises that remains unchanged for life, but also individuals. Under the big data of Golden Tax Phase III, everyone's ID number is unique and networked! It is also risky for people who get paid.

3. Classified management

Focus on supervising high-income and high-net-worth personnel.

Divided into three categories for management: high-income people; High net worth people; Ordinary people.

Two-level management: high-income and high-net-worth people are above the municipal tax authorities, that is, the provincial and municipal tax authorities conduct supervision and management; The general population is supervised and managed by the tax authorities at or below the county level.

4. Big data analysis scanning

The big data of the Golden Tax Phase IV Smart Inspection System shows that taxation is at the forefront of high technology, and tax-related information is scanned, analyzed and identified in real time through big data.

The system will automatically compare and analyze whether the business of the enterprise is abnormal and whether the invoice and declaration data are true.

Under dynamic monitoring, the system will automatically give an early warning in case of any abnormality, such as low tax rate. The tax bureau knows which enterprise may be suspected of tax evasion in the office without being reported by others.

5. Establish a personal tax credit system

In addition to establishing the tax credit rating of enterprises, the tax authorities also plan to evaluate the tax credit rating of each of our natural persons in the future. For major tax-related crimes, it is necessary to investigate and deal with the exposure in strict accordance with the law and incorporate it into the credit record in accordance with relevant regulations, and implement multi-departmental joint punishment.

Related questions and answers: What are the five grades of personal credit? 1. Normal: the borrower can perform the contract, and there are no factors affecting the borrower's timely and full repayment. Financial institutions have a full grasp of the borrower's repayment ability, and the probability of loan loss is 0.

2. Note: Although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%.

3. Subprime loan: The borrower's repayment ability has obvious problems, and it is overdue at first, so it can't fully repay the loan principal and interest by relying entirely on its normal operating income. It is necessary to repay the loan by dealing with part of the borrower's assets or even implementing mortgage guarantee, and the loan loss rate has reached 30%-50%.

4. Suspicious: The borrower can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will definitely cause heavy losses. In order to recover the loss of funds, financial institutions will use the collection team to reorganize, merge, merge and dispose of collateral of borrowers' assets to ensure the return of funds. Even if the labor cost is lost and wasted, the debt due will be recovered.

5. Loss: The borrower has been unable to repay the principal and interest. No matter what measures and procedures are taken, loans will inevitably lose or recover a very small part of the funds.

Related Q&A: Sesame credit has five grades. What grade does your sesame credit score belong to? What are the ways to improve your level quickly? My sesame score is 784 and my credit rating is excellent.

Sesame grading?

Sesame credit is divided into five grades, with a maximum score of 950.

The first grade: 750 ~950, excellent credit, accounting for about 20%, Alipay's high-quality customers, my 784 points belong to the first grade;

The second grade: 700 ~750 points, excellent credit, accounting for about 30%, high activity, very trustworthy users;

Grade 3: 650 ~700, with good credit, accounting for about 25%, relatively positive and good performance;

The fourth grade: 550 ~650, with medium credit, accounting for about 20%, and having several bad behaviors such as overdue;

Fifth grade: 350 ~550 points, poor credit, accounting for about 5%, belonging to Lao Lai grade, and may have entered the blacklist.

Sesame sub-standard?

Sesame credit score is scored from the following five dimensions:

1) Identity (15%): Detailed personal information helps to improve the credit score. However, detailed identity information may reveal your privacy and needs to be weighed.

2) Credit history (35%): This data, which may come from Alipay account records and credit information system, comprehensively scores personal credit according to big data.

3) Performance ability (20%): Alipay can accumulate users' credit card repayment, spending money and borrowing money, and evaluate individual performance ability, which may affect the amount of spending money and borrowing money.

4) Personal connections (5%): This is Ali's shortcoming. Without effective social software, Alibaba Want Want has fewer and fewer users.

5) Behavior preference (25%): Behavior preference should be based on Taobao's consumption, mining personal data and analyzing users' shopping behavior.

How to prompt sesame seeds?

Having said that, how to improve sesame scores? We need to divide sesame into five scoring dimensions and decompose them one by one.

1) Improve personal information

Improve personal career information, bind provident fund, vehicle information, real estate information, etc.

2) Alipay Finance

Paying more attention to Alipay's financial management, putting the change into Yu 'ebao, the fund's fixed investment, and stable financial investment every month will help improve the sesame score.

3) Use Alipay more.

Usually, online shopping, paying more Alipay, giving priority to spending, repaying on time, and establishing a good credit will help improve the credit score. Pay more with AliPay, pay back credit cards, utilities, etc.

In a word, the increase of sesame seeds and sesame seeds, especially the increase of sesame seeds to more than 800 points, is a long-term accumulation process. It is impossible to eat a fat man in one bite.

If you think it is helpful to you, you can praise it more or pay attention to it at will. Thank you.