With the rapid development of science and technology, money laundering, which originally only happened in the film, has also begun to infiltrate our lives in various ways, and the means are changing with each passing day, which is unexpected. Of course, "money laundering" is illegal and will endanger social stability and national security.

Speaking of this "money laundering", this is also a black platform can not out of the gold customer complaint often mentioned a "reason" for refusal - your account is suspected of money laundering, need to pay a deposit to unfreeze. Tianyan Jun has said that this is just an excuse for foreign exchange black platforms to delay time, but many investors are still scared by the crime of "money laundering", then Tianyan Jun through the Supreme People's Procuratorate issued an article to talk with you about what is "money laundering", whether the "money laundering" of the black platform exists and how to stay away from "money laundering"?

What is Money laundering? What are the means of "money laundering"?

Money Laundering, a financial industry term, is the act of legalizing ill-gotten gains. It mainly refers to the illegal income and the income generated by various means to cover up, conceal its source and nature, so that it is legalized in form.

Money laundering means one: bank account

Bank account is an important tool for money laundering by financial means.

In the fraud industry chain of the foreign exchange black platform, I believe we all know clearly that the card business is an extremely important role, they disguise the identity of criminals through black cards, and can provide fraudsters with the convenience of receiving money, but also help the black platform money laundering. Since the launch of the "card cut off operation", the helpless card merchants have extended their claws to innocent college students, inducing them to apply for cards and sell them to card merchants, who then sell them to other criminal gangs.

According to relevant laws and regulations, bank cards and their accounts are only allowed to be used by cardholders approved by the card issuing bank, and may not be rented, lent or sold. Individuals sell bank cards for profit, these bank cards will be used for network fraud, money laundering and other illegal activities, cardholders will bring themselves huge legal risks, and in serious cases may constitute criminal crimes such as money laundering; Individuals who rent, lend, sell and buy bank accounts (including bank cards) and relevant organizers identified by public security organs shall suspend non-counter business of their bank accounts within five years and shall not open new accounts.

Here, remind every investor to use the card correctly, away from the crime of money laundering, properly keep their identity card, bank card, U shield, login account and password, never easily transferred to others. Find the behavior of buying and selling bank cards to report in time, consciously maintain a good order of using cards, and protect their legitimate rights and interests.

Money laundering means two: "run points" platform

The "running score" platform is an emerging money laundering method in recent years, and it is a money laundering channel built by criminals. Participants need to use their own wechat, Alipay and other payment codes to help black property or criminal money laundering, and get commissions at the same time.

However, behind the virtual currency "running points", not only is the worst area of money laundering crimes, but also hides the great risk of letting "running points" be ransacked. The use of virtual currency transactions to collect money on behalf of others, although only to provide accounts, assist in the transfer and conversion of funds, but may constitute money laundering crimes, at the same time, "running" platforms often require participants to pay a deposit, the platform directly roll money abscond cases abound. Participating in virtual currency "running points" will inevitably lead to "empty finances".

Free lunch is not the temptation of crime, is the call of fraud, we must do not listen to, do not participate in, not be set, otherwise it is very likely to participate in the process of "money laundering" crime, "people and money empty" is the inevitable result.

Money laundering means three: underground bank

A large amount of illicit funds are channeled through "underground banks" to help "clients" transfer funds. Many enterprises and individuals who do not want to exchange foreign currency through formal channels have become "accomplices" and "victims" of "underground banks". "Underground banks" can help these enterprises and individuals complete transactions by receiving foreign currency and paying RMB directly, and the convenience of importing business without foreign exchange settlement has formed a considerable market.

However, there are huge legal risks behind this, ranging from freezing bank accounts to criminal offences such as money laundering. Foreign investors remit money through "underground banks", but "underground banks" do not ask the customer's origin to carry out a variety of "underhand operations", such as cooperation with telecommunications network fraud criminals or online gambling criminals, so that the black money cheated from the domestic with the white coat of "payment", clean withdrawal, into the account of foreign trade merchants, this wave of operations to foreign trade merchants brought, Not only the payment received, but also the long road to "thaw" and the bitter difficulty of litigation.

There are two main types of underground banks: Payment and settlement, illegal foreign exchange trading, are illegal organizations outside the financial supervision, seriously impact the normal bank financial business, disrupt the financial order, and become the "hotbed" of money laundering crimes, resulting in a large number of unknown cross-border funds outside the national financial supervision, forming a huge fund "black hole". Promote illegal fund-raising, corruption, smuggling, drug trafficking and other criminal activities.

Be sure to choose legal and reliable financial institutions for business, resolutely resist any form of "underground bank" transactions, and keep the legal bottom line in order to keep your "money bag".

Is there any suspicion of money laundering?

The essence of foreign exchange trading is to invest in overseas through RMB. Most of the transactions are carried out on formal foreign exchange platforms with margin, and the buying and selling operations are carried out in the mode of margin. The relevant foreign exchange does not really flow into China, and there is no real foreign exchange flow into overseas. Therefore, there is no connection between the investor's behavior and "money laundering". Moreover, if the investor really exists, shouldn't the platform have the problem first? Perhaps the user funds in the platform are not flowing to the international market at all?

Only by improving legal awareness, keeping the legal bottom line, and identifying money laundering risks can we effectively identify whether we are suspected of "money laundering", or prevent the danger of being used by criminals under the pretext of "money laundering", we must stay away from money laundering crimes!