A few years ago, when the online invoice inspection and certification platform was not opened and the third phase of the golden tax system was not launched, the private transfer behavior was particularly rampant, because it involved a wide range, it was difficult to investigate and deal with, and the supervision system was not yet mature. In this way, many enterprises do not take official seals, invoices or accounts when paying, thus evading taxes.

But now, this form of public-private and private-public accounts has become the focus of strict tax investigation. Whether it is a company account or a personal account, once the bank finds that the funds flow abnormally, it is likely to be targeted by the tax authorities.

Then why are there so many restrictions on the transfer of public numbers to private numbers? The main reasons for Daqi's financial analysis are as follows:

1, to prevent tax evasion

Under the condition that the national monitoring system is still not perfect, many enterprises deliberately reduce their sales and pay less or even no taxes by means of not paying public accounts, not invoicing, not accounting, and private account transactions. But now, the behavior of public to private and private to public has become the object of strict investigation by tax authorities. Whether it is a public account or a private account, as long as the abnormal flow of funds is found, it may be investigated and dealt with by the tax authorities.

2. Prevent misappropriation of public funds

The normal flow of funds in a company account is always supported by relevant documents and vouchers (such as contracts and invoices), but if it is transferred to a private account, it is difficult to tell whether the money is public or private. In this case, it is illegal.

Step 3 avoid tax evasion

Usually, financial accounts need original vouchers, and many funds transferred to private accounts cannot provide original vouchers, tax payment vouchers according to law, and even the corresponding invoices, which may lead to tax evasion. Once tax evasion is verified, enterprises will face huge tax payment penalties.

4. Avoid money laundering

Usually, the flow of funds in personal accounts is not very large. If there are too many large-sum receipts in private accounts, they will be listed as key monitoring objects by banks, and the possibility of money laundering will be investigated intensively. It is not only the amount that is included in the key monitoring, but also the object of repeated collection within one year.

According to the relevant regulations of banks, the transfer of funds between individual bank settlement accounts and between individual bank settlement accounts and enterprise bank settlement accounts with a transaction amount exceeding 200,000 yuan is a large transaction; Cash receipts and payments in personal bank settlement accounts that exceed 1 10,000 yuan in a short period of time are suspicious transactions.

At the same time, according to the Notice of the People's Bank of China on Relevant Requirements for Large-value Transaction Reports of Non-bank Payment Institutions, domestic funds with a single or accumulated transaction amount exceeding RMB 500,000 (including RMB 500,000) and equivalent foreign currency of US$ 654.38+million (including US$ 654.38+million) were transferred out on the day when payment accounts and other accounts of natural person customers occurred; Cross-border transfer payments between individual customer payment accounts and other bank accounts with a single or cumulative transaction amount exceeding RMB 200,000 (including RMB 200,000) and foreign currency equivalent exceeding 1 ,000 USD (including 1 ,000 USD) will be reported to the central bank for supervision.