1. Analyze the payer and the payee. For example, if the payer and the payee are the same person in a period of time, it is a significant money laundering feature.
2. Account funds show suspicious characteristics such as decentralized transfer, centralized transfer or centralized transfer without leaving any balance.
3. Pay attention to cash withdrawal from the account, for example, the cash amount is abnormally enlarged, and multiple agents or the same agent deposit and withdraw cash at the counter in a short time.
4. Pay special attention to the situation that funds are transferred from public to private or from private to public, especially when funds are deposited in cash, banks can't trace the abnormal situation of counterparties.
5. The IP addresses of overseas transactions, especially the online banking transaction addresses of different entities are the same.
6. Whether there is any behavior of evading monitoring, such as deliberately controlling the transaction amount below the declared amount of large transactions.
Money laundering refers to the act of concealing, concealing and transforming the illegal income obtained by crimes or other illegal acts through various means, so as to legalize it in form. The crime of money laundering refers to the crime that the perpetrator violates the relevant provisions of China's criminal law and commits the above-mentioned money laundering.
Common money laundering situations:
(a) the use of financial institutions.
Including forged commercial paper; Money laundering through securities and insurance; Opening an account with bills for money laundering; Using the international transfer of bank deposits for money laundering; Credit recovery; Using futures and options to launder money.
(two) the way to run the industry through investment.
Including setting up an anonymous company and concealing the real owner of the company; Investing in cash-intensive industries; Using fake financial companies and law firms to launder money.
(3) through commodity trading activities.
Due to the strict restriction of cash transaction reporting system, money launderers may not be able to easily convert cash into bank deposits in a short time, but it is extremely dangerous for criminal organizations to hold a large amount of cash. In order to change the cash form of criminal income as soon as possible, buying precious metals, antiques and precious works of art is also a way for money launderers to choose.
(4) Making use of the secrecy of bank accounts in some countries and regions.
Countries and regions known as secret paradise generally have the following characteristics:
First, there are strict bank secrecy laws. Except for the "exceptions" stipulated by law, it is a crime to disclose customer account information.
Second, financial supervision is loose, and there are almost no restrictions on the establishment of financial institutions.
Third, there are free company laws and strict company secrecy laws. These places allow the establishment of anonymous companies such as shell companies, and it is difficult to know the real situation of these companies because companies enjoy the right of confidentiality.
(5) Other money laundering methods.
Including smuggling, using "underground money houses" and private lending to transfer criminal proceeds.