How long has it been since you've used cash? If you ask a young person in the city, the answer is probably more than a year. It has to be said that with the rapid development of mobile payments, people basically rarely use cash anymore. Jack Ma has said that he wants China to enter a cashless society within five years, and his wish is really coming true.
Wages hit the bank card, and then transferred to Alipay's balance treasure, or WeChat in the zero money pass, earn a little interest every day, is the normal operation of many office workers. In daily life, traveling, eating, shopping, entertainment, paying utility bills, seeing a doctor, etc., all are not using the cell phone Alipay or WeChat payment to complete the transaction.
Mobile payment can develop so fast, leading China into a cashless society, Alipay and WeChat Pay can be said to be the credit. Originally, Alipay is to meet the needs of online transactions, but from 2014 onwards, the two began to layout the offline, through the two-dimensional code to quickly penetrate the offline consumer scenes, and from the first and second-tier cities to the three, four and five-tier cities to expand, even the countryside began to popularize the scanning code to pay. Alipay is sitting on 1 billion users, while WeChat has reached 1.2 billion.
Mobile payment has become mainstream, who still uses cash, and will not go to withdraw money for a long time. But there is an unusual phenomenon appeared, that is, the use of cash has increased. Who in the world is using it? For this reason, the central bank has stepped in to carry out large cash management.
How is it regulated?
In fact, it is very simple, the amount of corporate accounts in the amount of more than 500,000, the amount of personal accounts in Hebei Province, 100,000 yuan, Zhejiang Province, 300,000 yuan, Shenzhen City, 200,000 yuan or more, whether it is to deposit money, or to withdraw money, more than this amount need to make an appointment to register. The bank will register your personal details, the source of the money, the purpose and so on, and then save the statistics to report.
Once the transaction amount is found to be very large, more information to be strictly audited, suspected of money laundering and other crimes, to submit a suspicious report. The reason why the large amount of cash regulation, the purpose is to prevent corruption, tax evasion, money laundering and other illegal and criminal behavior.
Some people may say, then I can split the amount of money, not to reach this regulatory threshold can not, such as 500,000 divided into 10 times, a 50,000. This is actually very reassuring, because it will also monitor multiple transactions that cumulatively exceed the starting amount.
For the central bank of this regulatory requirements, many people worry about whether it will affect their own money. In fact, there is no need to worry too much, most people usually do not use such a large amount, and now are mostly online transfers. As long as your money is legal, just cooperate with the registration information, it will not affect your use. In addition, it is still only in the pilot, just in Hebei, Zhejiang and Shenzhen three places, other places have not started.
Three places as a pilot
The choice of these three places as a pilot is also for a reason, Hebei has a good foundation for large cash management, such as exploring the real estate industry in Xingtai City, Qinhuangdao City, the medical industry, large cash management of enterprises; Zhejiang, the phenomenon of the use of large amounts of cash is more prominent, and here is the private economy is more active Zhejiang, where the private economy is more active, so the large cash is used a lot; Shenzhen, due to its proximity to Hong Kong, the cross-border flow of cash is relatively large, to strengthen the management of large amounts of cash on private accounts. The pilot program will last for two years and will only be extended nationwide after that.
Large cash management is also to prevent corporate tax evasion, has been "private accounts to avoid tax", "cash payroll to avoid personal tax" and other phenomena are common. For example, the recent star Zheng Shuang 160 million sky-high payroll is suspected of using yin and yang contract to avoid tax, has been investigated by the relevant tax authorities.
Tax evasion will be governed
First of all, the silver tax interaction, information **** enjoy. The tax department can use the banking system to investigate the use of large amounts of cash by individuals, the use of information, the tax status of enterprises, registration and other information, to track the tax evasion problem. Secondly, the use of the tax department's Golden Three system, the company's invoicing anomalies, financial data and so on to monitor, and compared with the bank's private accounts, public accounts of large business transaction information, you can accurately find the tax evasion situation.
Therefore, after the gradual launch of the pilot, individuals and businesses in these cities, the use of large amounts of cash should pay attention to, must be legal and standardized, or it is easy to be found. The newest addition to the list is the newest addition to the list, the newest addition to the list. For example, a company in Wuxi, Jiangsu Province, previously escaped a tax of 3 million, resulting in a fine of 5 million.
Among them, there are four industries will focus on monitoring, respectively, wholesale and retail, real estate, construction, car sales, these are large cash use of the industry, buy a suite of millions of dollars, the car is also a lot of $ 100,000, so, these industries are large cash use to be careful.
However, or that, whether it is an individual or a business, as long as your use of cash is legal, it does not matter what information is registered by the random bank, and will not prevent us from using it. But you want to do something non-compliant and legal, then there is a risk.