If personal WeChat or Alipay payments exceed this amount, they will be strictly investigated!
Are there any limits on the amount of money that can be deposited into personal WeChat and Alipay accounts that we often use in our daily lives? The answer is yes, and any amount exceeding a certain limit will be closely monitored.
So, how much money does a personal account need to receive before it will be subject to close scrutiny?
According to the "Regulations on the Administration of Large-Value and Suspicious Transaction Reports of Financial Institutions", the following types of capital flows will be considered as key regulatory targets:
Single or cumulative cash transactions exceeding RMB 50,000;
Business-to-business transfers exceeding RMB 2 million;
For transfers between private accounts, if the cross-border transaction exceeds RMB 200,000, and the domestic transaction exceeds RMB 500,000.
In addition, a series of suspicious trading behaviors will also be subject to key supervision, including but not limited to:
Funds are transferred in in a large amount in a short period of time and then transferred out in a concentrated manner, or transferred in in a large amount and then transferred out in a dispersed manner;
The frequency and amount of fund collection and payment are inconsistent with the normal business scale of the enterprise;
The direction of capital flow is inconsistent with the business scope of the enterprise;
...and many other financial activities that are inconsistent with the business characteristics and nature of the enterprise.
It is worth noting that the document released by the central bank also clearly pointed out that large-value transactions of non-bank payment institutions such as WeChat and Alipay will also be regulated. This means that large-value transfers through these platforms are also under monitoring.
For people with high income and high net worth, tax supervision is more stringent. Relevant departments will not only strengthen the service and supervision of taxes and fees for such people, but also increase the proportion of spot checks on their industries, regions and groups to prevent tax evasion.
We would like to remind everyone that both individuals and enterprises should strictly abide by laws and regulations and not engage in any illegal transactions or tax evasion. At the same time, when using payment tools such as WeChat and Alipay, be sure to pay attention to the protection of personal information to avoid the risks of information leakage. If the flow of funds exceeds the prescribed standards, please report to the relevant departments in a timely manner to ensure compliance.
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