"Private transfer" is what we often say to transfer money from the unit account to the personal account. Because of the risk of embezzlement, tax evasion and money laundering, the state has very strict supervision over this business.

So what policy requirements does the state have for the current "public-private partnership" business?

At present, there is no legal restriction on "private transfer", so there is no restriction on private transfer, but the company account cannot be transferred to the personal account at will.

Only true and reasonable transfer business is allowed, "from public to private".

Common "public-private partnership" businesses include: paying employees' wages; Pay the expenses reimbursed by employees; Payment of personal/individual industrial and commercial households; Pay labor costs; Pay personal compensation; Repaying personal loans; Dividends to shareholders.

"Public-private partnership" enterprise

According to the Measures for the Administration of RMB Bank Settlement Accounts and other relevant regulations, if the amount of each transfer from the company account to the personal account exceeds 50,000 yuan, the corresponding payment basis shall be provided to the account opening bank.

For example:

(1) Pay employees' salaries.

Salary payment agreement and payee list are required.

(2) Repaying personal loans

Need to provide proof materials such as loan contract.

Proof data

In 20 16 and 20 19, the People's Bank of China successively issued the Measures for the Administration of Large Transaction and Suspicious Transaction Reports of Financial Institutions and the Notice of the People's Bank of China on Relevant Requirements for Large Transaction Reports of Non-bank Payment Institutions.

Financial institutions and non-bank payment institutions are required to report "large sum" and "suspicious" transactions to China Anti-Money Laundering Monitoring Center.

Among them, the specific amount of "public-private transfer" involving large-value transactions is as follows:

(1) Domestic remittance

Individual accounts and other accounts had a single or cumulative transaction of 500,000 yuan on the same day, equivalent to 654.38+10,000 US dollars in foreign currency.

(2) Cross-border fund transfer

Individual accounts and other accounts have a single or cumulative transaction of 200,000 yuan on the same day, equivalent to US$ 654.38+0,000.