First, the necessity of self-employed transfer in Gong Hu.
Self-employed people often need to use funds in Gong Hu for personal consumption or investment in their daily business. At this time, by transferring money to yourself through Gong Hu, the funds can be conveniently transferred from the enterprise account to the personal account, so as to meet the individual fund needs of the self-employed.
Two. Matters needing attention in transfer operation
Self-employed people should pay attention to the following points when transferring money from Gong Hu to themselves:
1. Transfer amount limit: Banks usually have certain restrictions on the transfer amount of self-employed individuals in Gong Hu. Self-employed individuals need to understand and abide by these regulations to ensure that the transfer amount is within the legal scope.
2. Tax compliance: When transferring money in Gong Hu, self-employed individuals need to ensure that the transfer behavior complies with tax regulations to avoid unnecessary troubles caused by tax problems.
3. Bank procedures and fees: Different banks may have different procedures and fees to transfer money to them for Gong Hu. Self-employed individuals need to know and prepare relevant procedures and fees before transferring money.
Three. Suggestions on legal compliance operation
In order to ensure the legal compliance of the transfer of self-employed Gong Hu to me, it is suggested that self-employed individuals take the following measures:
1. Fully understand the bank regulations: self-employed individuals should consult the relevant regulations of the bank in detail before transferring money from Gong Hu to ensure that the transfer behavior meets the requirements of the bank.
2. Keep relevant vouchers: When transferring money in Gong Hu, self-employed individuals should keep relevant vouchers, such as transfer records and bank receipts, for future inspection.
3. Abide by tax laws and regulations: Self-employed individuals should ensure that the transfer behavior complies with tax laws and regulations, and report and pay taxes to the tax authorities in time when necessary.
To sum up:
Gong Hu, a self-employed, transfers money to himself, which is a common way to transfer funds, but it needs to comply with relevant laws and regulations and bank regulations. In order to ensure that the transfer behavior is legal and compliant, self-employed individuals should fully understand the bank regulations, pay attention to the transfer limit, tax compliance, bank procedures and fees, and keep relevant vouchers for inspection.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 29 provides that:
Commercial banks should follow the principles of voluntary deposit, freedom of withdrawal, interest-bearing deposit and confidentiality for depositors when handling personal savings deposit business.
Commercial banks have the right to refuse any unit or individual to inquire, freeze or deduct personal savings deposits, except as otherwise provided by law.
Measures for the administration of RMB bank settlement accounts
Article 40 provides that:
Units from their bank settlement accounts to personal bank settlement accounts, each more than 50 thousand yuan, should provide the following payment basis to the bank:
(a) the wage payment agreement and the list of payees.
(2) Award-winning certificate.
(three) proof of the labor contract between the press, publication, performance organizer and other units and the payee or the individual.
(four) the certificate of payment or refund to the individual by the securities company, futures company, trust and investment company and lottery issuing or underwriting department.
(5) Agreement on transfer of creditor's rights or property rights.
(6) loan contract.
(7) Certificate of insurance company.
(eight) the certificate of the tax collection and management department.
(nine) agricultural and sideline products and mineral products purchase and sale contracts.
(10) Proof of other lawful funds.
If the amount paid from the unit bank settlement account to the individual bank settlement account is taxable, the withholding agent shall provide the tax payment certificate to the bank where the account is opened.