Question 2: Does CCB need to make an appointment for large-scale exchange? You need to make an appointment one day in advance.
Question 3: What are large payment and small payment in online banking? Is there a difference in charges? 1. Large users can sign contracts at the counter, and small users can open online banking payment for account security.
2. The charges for online banking transfer payment are the same whether it is large or small, that is, there is a high performance limit. For example, the handling fee will not be collected when it reaches 50 yuan, and the remittance is the handling fee of 50 yuan.
3. There is no handling fee for online banking consumption and shopping.
Question 4: Our company has a tendency to purchase large amounts of foreign exchange, but now the foreign exchange control is strict, and we want to take the cross-border RMB entrusted exchange. How do we proceed with this process? Foreign exchange control refers to restrictive measures taken by a country to balance international payments and maintain its currency exchange rate. It is also called foreign exchange management in China. International trade policies of countries that restrict international settlement and foreign exchange transactions through laws and regulations. Foreign exchange control is divided into quantity control and cost control. The former means that the State Administration of Foreign Exchange directly restricts and allocates the volume of foreign exchange transactions, and achieves the purpose of restricting exports by controlling the total amount of foreign exchange; The latter means that the State Administration of Foreign Exchange implements a multiple exchange rate system for foreign exchange transactions, and uses the differences in foreign exchange transaction costs to adjust the structure of imported goods. In countries with foreign exchange control, the foreign exchange income management system of import and export trade is one of the main contents of foreign exchange management, including export trade foreign exchange control, import trade foreign exchange control, import foreign exchange tax collection, restrictions on foreign exchange payment, requiring importers to obtain a certain amount of export credit, increasing or decreasing the deposit for opening letters of credit, adopting import quota system, adopting import deposit system, etc. Exchange rate fluctuation is an almost uncontrollable factor when enterprises conduct business or invest in countries with foreign exchange control. There is a simple reason. Whether buying products or services in this country or investing in this country, enterprises must first buy the currency of the country where their trading rivals are located. For example, exporters will exchange their products or services for local currency or US dollars. If the trading partner is a country or region without foreign exchange control, then? Both sides can exchange their respective currencies through the foreign exchange market. At present, the foreign exchange market is a global electronic network. The United States, Britain and Japan handle more than half of the global trading volume, while Hong Kong, Singapore, Switzerland, Germany, France and Australia handle the rest. In countries and regions with foreign exchange control, import and export must go through designated institutions or obtain licenses first, and foreign exchange must be sold to designated banks or retained in proportion at the official exchange rate within a certain period of time. Due to the lack of market mechanism and currency circulation, enterprises can't use the overseas foreign exchange market to exchange foreign exchange immediately, thus reducing the impact of exchange rate fluctuations. Political-oriented exchange rate risk: in countries or regions where foreign exchange control is implemented, a fixed official exchange rate is generally adopted. On the surface, the exchange rates of these countries and regions are relatively stable. That was not the case. These countries often face enormous inflationary pressures at home? R At the international level, these countries are often accused of manipulating exchange rates and trade imbalances by other countries and regions without foreign exchange controls, and even of dumping or exporting inflation. In order to alleviate these economic and political pressures from home and abroad, they often take various administrative measures to suddenly change the exchange rate and even change the exchange rate mechanism. When enterprises do business or invest in countries with foreign exchange control, the exchange rate risk of political guidance is much higher than that of countries and regions with no foreign exchange control. Exchange rate risk If the exchange rate is the price of one country's currency relative to another country's currency, then? N exchange rate risk is the exchange rate fluctuation of one country's currency relative to another country's currency. When evaluating exchange rate risk, we must distinguish between spot exchange rate and forward exchange rate. For some reasons, the forward exchange rate is often different from the spot exchange rate, resulting in exchange rate risk. Shapiro (1999) thinks that there are two kinds of foreign exchange risks, namely accounting risk and economic risk. Zhu (2000) classified foreign exchange risks into three categories, namely trading risk, operational risk and conversion risk. Brian Coyle(2000) is similar to this. He divided foreign exchange risks into three categories: transaction risk, economic risk and conversion risk. In fact, we think these three types of risks are completely different in nature. Trading risk is the current or imminent risk, which will immediately affect the company's financial situation, operating risk is the future risk, and conversion risk is the book risk. For areas where foreign exchange control is implemented, even though some enterprises understand that foreign exchange poses a certain degree of risk to themselves, they are often unable to take corresponding hedging measures because of the lack of local supply of foreign exchange financial derivatives. In the annual report issued by China Petroleum (stock number HK). 0857) The RMB exchange rate on March 2, 20061day may cause uncertainty to the company's books, receivables and payables, but the company did not take any measures to hedge with financial derivatives. Conversion risk is divided into three categories: transaction risk, economic risk and conversion risk, most of which are ... >; & gt
Question 5: What is exchange gain or loss, also called exchange difference? When an enterprise conducts foreign currency transactions, exchange business, period-end account adjustment and foreign currency statement translation, it converts the difference arising from exchange rate accounting of different currencies or different parity of the same currency into the functional currency. Simply put, exchange gains and losses are the differences in the amount of functional currency due to the adoption of different exchange rates in the accounting treatment of various foreign currency businesses. According to the generated business, the exchange gains and losses that normally occur in the business process of an enterprise can generally be divided into four types: 1. When recovering or paying off creditor's rights or debts, the exchange gains and losses of foreign currency transactions are called "exchange gains and losses of foreign currency transactions". 2. "Foreign currency exchange gains and losses" refers to foreign currency exchange gains and losses when a foreign currency is exchanged with the bookkeeping base currency or when a foreign currency is exchanged with another foreign currency. 3. "Adjusting foreign currency exchange gains and losses" Factors causing exchange gains and losses Under the current exchange rate system, the exchange gains and losses caused by adjusting all foreign currency creditor's rights, debts and foreign currency capital accounts at the end of the accounting period according to the socially recognized exchange rate at the end of the period are called "adjusting foreign currency exchange gains and losses"; 4. "Conversion of foreign currency exchange gains and losses" at the end of the accounting period, for the purpose of consolidating accounting statements or revising accounting records and preparing accounting statements, the amount of foreign currency units of measurement is converted into the amount of functional currency units. The exchange gains and losses generated in this process are called "foreign currency exchange gains and losses translation". In addition to the general foreign currency exchange gains and losses during the above four normal business periods, enterprises also have exchange gains and losses during abnormal business periods and exchange gains during special foreign currency business periods. Including the exchange gains and losses of the capital translation difference caused by the foreign currency investment received by the enterprise in the initial stage; Exchange gains and losses arising from foreign currency receipt and payment business during the preparation period of the enterprise; Exchange gains and losses arising from the adjustment and settlement of long-term and short-term creditor's rights and debts of various assets and foreign currencies during enterprise liquidation; Special foreign currency business, such as foreign currency long-term investment, foreign currency long-term liabilities, foreign currency risk avoidance measures and other economic business, will also generate exchange gains and losses. It is generally believed that as long as the exchange rate changes, the realization of exchange gains and losses should be confirmed at the end of the period, regardless of whether the actual business has actually occurred. Some people think that the recognition of exchange gains and losses in this period should be based on realization, that is, foreign currency trading actually took place in this period and foreign currency creditor's rights and debts have been settled, which is the basis for recognizing exchange gains and losses. Unrealized exchange gains and losses should be deferred to future accounting periods, that is, when the actual business has occurred or settled, it can be regarded as realized exchange gains and losses and included in the current income statement. 1. Influence of exchange rate on exchange gains and losses Exchange rate is the price and exchange rate between two different currencies, and it is also the price expressed by one country's monetary unit in another country's monetary unit. Bookkeeping exchange rate is the exchange rate used to record foreign currency business. Exchange rate changes will generate exchange gains and losses. The type of bookkeeping exchange rate and the time of bookkeeping exchange rate are different. Will have an impact on exchange gains and losses. Document No.94 No.05 of the Finance Committee of the Ministry of Finance, Provisions on Accounting Treatment of Foreign Currency Business of Enterprises after the Reform of Foreign Exchange Management System, recognizes the bookkeeping exchange rate as the market exchange rate. The expression of market exchange rate can be understood as the foreign currency transaction price of any financial institution, and there is also a price difference between cash and cash bought or sold by financial institutions. Therefore, the exchange rate of foreign currency converted into RMB should be determined as the average of spot foreign exchange buying price and selling price, that is, the middle price. Therefore, the document of State Administration of Foreign Exchange 144 "Opinions on Exchange Rate Conversion among Joint Ventures after Exchange Rate Consolidation" clearly stipulates that the middle price of spot exchange announced by Bank of China is the only standard for foreign exchange conversion and bookkeeping. According to China's current accounting system, the bookkeeping exchange rate can be the exchange rate on the day of foreign currency business, or it can be the exchange rate of the current month 1 day. Once the bookkeeping exchange rate is selected, it shall not be changed at will after registration. In practical application, assets, liabilities and related income and expenses settled in foreign currency can be accounted according to the exchange rate on the day when foreign currency business occurs or the exchange rate of the current month 1. Capital invested in foreign currency: 1. If there is an agreed exchange rate in the contract or articles of association, it shall be accounted for at the agreed exchange rate. 2. If the exchange rate is not stipulated in the contract and articles of association, if the registered currency is the same as the bookkeeping currency, the current exchange rate can be used for bookkeeping; Where the registered currency is inconsistent with the bookkeeping currency, the exchange rate at the time of first receipt of capital contribution in the first installment shall prevail. For input, it is ... >>
Question 6: Through online bank transfer, the money is returned, and it shows how the customer initiates the exchange business. Hello, if you transfer money through our online banking, Baidu platform cannot verify the relevant information. Please call 95555 for your manual verification. Thank you.
If you still have questions about the one-card service, please log on to "Online Customer Service" for consultation: forum.cmbchina/...ncmu=0, thank you for your concern and support for China Merchants Bank!
Question 7: What's the difference between telegraphic transfer and letter transfer? What does each mean? T/T: It's called electronic remittance, which is a remittance method for timely transaction through the large payment system of the People's Bank of China or the transit bank! Can be exchanged across banks and regions! Time is pressing! General 1-3 days!
Mail transfer: the customer entrusts the money to the bank, and the bank remits the money to the local bank of the payee designated by the customer and forwards it to the payee. This method of remittance is very slow, and now customers demand less.
Question 8: What does money laundering mean? Money laundering means that criminals transfer illegal funds through a series of financial accounts in order to cover up the source of funds, the owner's identity or the ultimate purpose of fund use. Illegal funds that need to be "laundered" may usually be related to terrorism, drug trafficking or organized crime.
The original meaning of the word "money laundering" is to wash dirty coins. The "money laundering" mentioned in the draft anti-money laundering law refers to the act of concealing and disguising the source and nature of criminal proceeds and their proceeds by means of conversion, transfer, allocation, acquisition, possession and use, so as to legalize the criminal proceeds on the surface. Money laundering is literally translated from the English word "money-washing", and the language expression of its image records the origin of the word money laundering: in Chicago, USA, in the early 20th century, it began with Ali? The financial director of an organized criminal gang headed by Capone bought an automatic washing machine to wash clothes for customers, and then declared it to the tax authorities by mixing laundry income with criminal income, so that illegal income and assets were put on a legal coat.
The English-Chinese Dictionary of Securities Investment by the Commercial Press explains: money laundering. Move it. Put illegal funds into legal business processes or bank accounts, cover up their original sources and legalize them.
Money laundering in the modern sense refers to the act of concealing and concealing the source and nature of funds by various means through financial institutions, so as to legalize them in form.
Money laundering generally has the characteristics of diverse ways, complex processes, specific objects and internationalization:
First, the diversity of money laundering methods. In order to avoid supervision and tracing, money laundering criminals often deal with the proceeds of crime through different ways and channels. Long-term money laundering activities have developed a variety of money laundering tools, such as using financial services provided by financial institutions, using shell companies, forging commercial bills and so on. The innovation of economic model also makes money laundering methods constantly refurbished and more hidden, such as online transactions. Professional money laundering organizations are more and more skilled in combining various money laundering means and methods.
Second, the complexity of the money laundering process. To achieve the goal of money laundering, one of the main ways is to change the original form of criminal proceeds, eliminate traces that may become evidence, and set up a disguise for criminal proceeds and their proceeds, so that they can be integrated with legitimate income. This forces money launderers to adopt complicated methods, go through various intermediate forms and adopt various operation modes to launder money.
Third, the particularity of money laundering objects. The object of money laundering is funds and property closely related to criminal activities, such as drugs, smuggling, fraud, corruption and bribery, tax evasion and other crimes. Generally speaking, cleaning only requires illegal gains.
Fourth, the internationality of money laundering. With the rapid development of economy and science and technology, people's exchanges, commodity transportation, capital flow, information dissemination and service provision are increasingly internationalized around the world, which leads to the internationalization of criminal activities. In the pursuit of illegal economic interests in transnational criminal activities, the transfer of criminal proceeds has become a key issue, which directly leads to more and more transnational and cross-border money laundering activities.
The subject of money laundering crime is financial institutions or individuals, and there are five kinds of behaviors:
(a) to provide funds account;
(2) Assisting in converting property into cash or financial instruments;
(three) to assist the transfer of funds through transfer or other settlement methods;
(four) to assist the remittance of funds abroad;
(5) Concealing or concealing the illegal proceeds of crime and their sources and nature by other means. "
The main means of money laundering at present
1. Antique trading-
You bought 40 Ming Dynasty vases at $5,000 each. You put them all up for auction and store them in 12 auction houses, preferably 12 different cities. When a vase is auctioned, you either sell it to the highest bidder or send your closest uncle to the auction house to buy it back.
People usually pay everything you buy by check, so when your uncle pays $5,500 in cash (that is, the auction price of $5,000 plus the handling fee charged to the buyer 10%) to the auction house for one of the vases, they will give you a check of $4,500, that is, the auction price minus the handling fee charged to the seller 10%.
These expenses can be completely written off as money laundering expenses. Fortunately, you can put this vase again ... >>
Question 9: How to make accounting vouchers based on exchange gains? 5 points corresponds to financial expenses. Refers to the serial number in the financial software, which is automatically generated by the system. If it is the serial number of the settlement method, the transaction serial number should be filled in.
The accounting subject depends on whether you exchange it with cash or bank deposit. Loan: cash (or bank).
The corresponding account of cash or bank depends on your business. If RMB is converted into foreign currency to pay for sea freight, it should be: debit: main business cost-xxxx loan: bank deposit (cash).