2. The same payee frequently receives and pays funds in a short period of time, and the transaction amount is close to the large transaction standard.
3. Legal persons, other organizations and individual industrial and commercial households frequently receive remittances obviously unrelated to their business in the short term, or natural person customers frequently receive remittances from legal persons and other organizations in the short term.
4. An account that has been idle for a long time suddenly opens an account for unknown reasons, or an account with a small capital flow suddenly has an abnormal capital inflow, and a large amount of funds are received and paid in the short term.
5. In a short period of time, the capital exchange activities with customers from drug trafficking, smuggling, terrorist activities, gambling areas or offshore financial centers with tax avoidance have increased significantly, or a large amount of funds have been received and paid frequently.
6. Opening or closing an account without normal reasons, and receiving and paying a large amount of funds before closing the account.
7. Repaying the loan in advance is obviously inconsistent with its financial situation.
8. Customers purchase RMB funds for overseas investment, most of which are cash or transferred from different bank accounts.
9. The customer asks for local and foreign currency swap business, and the source and use of funds are suspicious.
10. Customers often deposit traveler's checks or foreign currency drafts opened abroad, which is inconsistent with their business conditions.
1 1. Foreign-invested enterprises invest in foreign currency in cash or transfer funds abroad within a short period of time after receiving the investment funds, which is inconsistent with their production and operation payment needs.
12. Foreign-invested enterprises invest more than the approved amount or borrow direct foreign debts, and remit them from third countries without affiliated enterprises.
13. Securities institutions instruct banks to reserve funds unrelated to securities trading and liquidation, which is inconsistent with their actual operation.
14. Securities institutions frequently borrow a large amount of foreign exchange funds through banks.
15. Insurance institutions frequently pay large sums of money to the same policyholder or cancel their insurance through banks.
16. The natural person's bank account frequently receives and pays cash and the situation is suspicious, or deposits and withdraws a large amount of cash at one time and the situation is suspicious.
17. Resident natural persons frequently ask banks to issue traveler's checks and money orders after receiving foreign exchange remitted from abroad, or non-resident natural persons frequently deposit foreign currency cash and ask banks to issue traveler's checks and money orders, or frequently order and cash a large number of traveler's checks and money orders.
18. Many domestic residents accept remittances from offshore account, and the transfer and settlement of their funds are operated by one person or several people.
Legal basis: Article 31 of the Anti-Money Laundering Law of People's Republic of China (PRC), financial institutions shall establish a system for keeping customer identity information and transaction records in accordance with regulations. During the business relationship, if the customer identity information changes, the customer identity information should be updated in time. Customer identity data and customer transaction information shall be kept for at least five years after the end of business relationship and transaction. When a financial institution goes bankrupt or disbands, it shall hand over customer identity information, customer transaction information and electronic carriers containing the above information to the institution designated by the relevant departments in the State Council.