1, banking system failure or operational error. If bank transfer is used, sometimes the bank's system will fail or operate incorrectly, resulting in the delay or failure of transfer. I suggest you contact the customer service of the bank or consult at the bank counter.

2. The account information is incorrect. If the account information of the other party is incorrectly filled in, such as account number, account name and bank, the transfer may fail or be delayed. I suggest you check the account information of the other party and initiate the transfer again.

3. Audit of bank risk control. If your transfer amount is large, it may be audited by the bank's risk control, and you need to wait for the bank's approval before you can receive the account. I suggest you contact the bank customer service or go to the bank counter to check the audit progress.

4. The banks of both parties to the transaction are different. If you and the other party use different banks, it may be necessary to make inter-bank transfer during the transfer process, which will delay the transfer. I suggest you contact the bank customer service or go to the bank counter to check the transfer progress.

5. Tax issues. If your transfer involves tax issues, you need to declare tax, which may delay the transfer. It is recommended that you understand the relevant tax policies and take relevant actions.