The central bank has made another move.

This time,

It is necessary to establish a monitoring network for large cash transactions covering the whole society!

1 1 5th, the People's Bank of China drafted.

Notice of the People's Bank of China on Piloting Large Cash Management in Hebei, Zhejiang and Shenzhen (draft for public comment) (hereinafter referred to as the Notice),

Now open to the public for comments.

The pilot draft for comments will be launched after it is passed next month, and the pilot period will be 2 years.

What exactly did you say? What does it have to do with us?

Don't worry, this will focus on you!

First, why do you want to carry out large cash management?

In recent years, with the rise of payment tools such as Alipay and WeChat Pay, everyone takes a mobile phone when they go out and scans the code when they pay. It is very simple and quick, and the words "change" are rarely heard.

Now I can tell from my pocket that Grandpa Mao must be either rich or expensive.

However, the mother of the central bank found that the demand for cash has not decreased, but is still increasing, especially the large amount of cash is still widely used, which has many problems.

I don't know if you still remember Zhao Dehan in in the name of people who was found a villa with cash by Hou Liangping and claimed to be the "farmer's son".

Of course, corruption is only an example, and large cash transactions will also be used by illegal and criminal activities such as tax evasion and money laundering, and the risks are self-evident.

Therefore, Yang Ma decided to fill in the supervision shortcomings in the field of large cash circulation management, and strengthen the analysis of large cash circulation and information sharing.

Establish a monitoring network for large cash transactions covering the whole society, curb the use of large cash to commit crimes and maintain economic and financial order.

Second, large cash supervision, how much is large?

Corporate account: the starting point of management amount is 500,000 yuan.

Private account: the starting point of management amount is Hebei province100000 yuan, Zhejiang province 300000 yuan and Shenzhen city 200000 yuan respectively.

ps：

The starting point of the management amount must meet the requirements of the Head Office on the number of business transactions above the starting point and the proportion of the amount in the total business volume, without affecting the normal and reasonable cash demand of individuals, enterprises, especially individual industrial and commercial households.

Alas, some people may have thought of it. If you are in Hebei, why not take150,000 points three times?

Nonono (hurriedly motioning with his hand)

The document specifically emphasizes this situation!

Not only that, for specific industries such as real estate and construction, guide banking financial institutions to use non-cash payment methods for cash withdrawal business that enterprises exceed the quota.

Personal account usage has also been specially explained, and the authenticity audit of personal account operating income and expenditure above a certain amount has been strengthened. For cash receipts and payments that may have risks, the personal accounts are marked with risks and continuously tracked and monitored.

Simply put, these situations will be supervised!

Third, is it related to the supervision of non-cash transactions?

Someone asked, this document is for cash transactions, and it has nothing to do with non-bank transactions, right?

The baby can only say too young too naive.

Look at the problem, look at the essence through the phenomenon of things!

The establishment of a cash transaction monitoring network system by the central bank is to curb corruption, tax evasion and money laundering.

The document has repeatedly mentioned measures to strengthen control and audit on the breakdown of operating income and expenditure sources of personal accounts.

According to the Notice of the People's Bank of China on Relevant Requirements for Non-bank Payment Institutions to Report Large-value Transactions (Yinfa No.2018163), banks will monitor large-value payments and suspicious transactions, and submit large-value transactions and suspicious transaction reports to China Anti-money Laundering Monitoring and Analysis Center.

At the same time, under the third phase of the national golden tax, no bank harbors any enterprise. As long as the account is suspicious, it must be reported to the tax, because the personal account is large and the suspicious transaction bank tax enjoys information!

With the combination of two fists, there is no blind spot in fund supervision.

It is a powerful blow to tax problems such as "private households avoiding taxes"!

Enterprises want to reduce the tax burden, so they can't go the wrong way.

We can make full use of preferential policies or make relevant tax planning to achieve the purpose of reducing taxes and burdens.

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