You can write wages, bonuses, labor income, transfer of personal creditor's rights and property rights, personal margin for securities and futures, refund of insurance claim premiums and other legal personal funds. If the amount exceeds 50,000, relevant certificates must be provided to the bank, such as reward certificates, labor contracts, securities and futures company certificates, transfer agreements, insurance company certificates and other supporting materials.
I hope the following information will be helpful to you. Helped:
What are the risks of transferring a public account to a private account?
1. Suspected of evacuating corporate funds
The fund transactions in company accounts are generally well-documented, but if they are transferred to the boss’s personal account, it is difficult to distinguish what the funds are. Whether it is for public or private use, there is a risk of embezzling public funds or evading debts.
According to legal provisions, company funds must be supervised and cannot be misappropriated for private use. Once any misappropriation of public funds is discovered, serious penalties will be imposed!
2. Suspected of tax fraud and tax evasion
Some companies take advantage of the convenience of online banking "public-to-private" transfer speed and few restrictions to transfer funds that should belong to companies. Fund transactions are completed by transferring corporate accounts to personal accounts, concealing the true income of the company to achieve tax evasion.
In addition, there are also criminals who register false companies, open accounts to conduct false payment transactions, and falsely issue value-added tax invoices without actual business operations, thereby defrauding the country’s tax benefits and disrupting the country’s normal tax order.
3. Suspicions of money laundering and underground banks
The online banking payment function of the unit’s bank settlement account allows customers to be free from restrictions on time, space and region, and does not need to undergo bank scale review. Customers Fund transfers can be completed through fictitious transaction backgrounds, but there is a lack of effective anti-money laundering internal control and supervision measures. At the same time, the "public-to-private" business of online banking for unit accounts is completed in a virtual environment, without signatures, handwriting and other substantial traces. It is difficult for commercial banks to know the actual controller of the account funds, making it more difficult for commercial banks to supervise and manage, and commit crimes. Molecules can quickly move black money between corporate and personal accounts, obscuring the source of funds and making it more difficult to investigate and obtain evidence for money laundering crimes.
Once a personal account accumulates too many large-amount collections, it will be listed as a key monitoring object by the bank to check whether there is the possibility of money laundering. Note that those who will be included in key monitoring are not only those with large amounts, but also those with the most payments within a year. Not all large transactions will be monitored.
According to the regulations on large-value payment transactions: transfers of more than 200,000 yuan between personal bank settlement accounts and between personal bank settlement accounts and corporate bank settlement accounts are large-value transactions, and personal bank settlement Accumulated cash receipts and payments of more than 1 million yuan in an account within a short period of time are considered suspicious transactions.