Legal analysis: According to the laws of our country, paying monetary funds to the designated payer by illegal means such as fictitious transactions, false prices, transaction refunds, etc., and the amount is more than 5 million yuan, should be considered as "serious" illegal business operations.

Legal basis: Article 1 of the Interpretation on Several Issues Concerning the Application of Laws in Handling Criminal Cases of Illegal Payment of Settlement Funds and Illegal Trading of Foreign Exchange violates the provisions of the state and belongs to the category of "illegal payment of settlement funds" as stipulated in Item 3 of Article 225 of the Criminal Law:

(1) paying monetary funds to the designated payer by illegal means such as fictitious transactions, false pricing, transaction refund, etc. By accepting the terminal or online payment interface;

(2) Illegally providing services for others to cash out the unit bank settlement account or transfer the unit bank settlement account to a personal account;

(3) illegally providing cheque cashing services for others;

(four) other illegal payment of settlement funds.