1. The transaction amount is large: the transaction amount involved in the individual settlement and sale of foreign exchange is large, which exceeds the normal foreign exchange demand of individuals.

2. Cross-border transactions: The splitting business of individual foreign exchange settlement and sale involves cross-border transactions, that is, individuals split a foreign exchange fund into multiple small payments to avoid the supervision of foreign exchange management departments.

3. No legal purpose: the derivative business funds of personal settlement and sale of foreign exchange have no legal purpose, but they are used for illegal activities or illegal investments.

4. Violation of foreign exchange management regulations: the individual settlement and sale of foreign exchange business violates China's foreign exchange management regulations, and banks and foreign exchange bureaus will not handle it.