What happens if the bank receives 100,000 a day

There is no problem with normal accounting, but if the accumulated amount exceeds a certain amount for several consecutive days, and it is transferred out at the same time, the bank will automatically generate a suspicious report to see the bank's investigation. In addition, when the other party transfers money to you, fill in the purpose column normally, and the bank will exclude it.

If it exceeds 100,000 per day, it will be checked.

According to Article 5 of the Administrative Measures for the Reporting of Large-Value Transactions and Suspicious Transactions by Financial Institutions, financial institutions shall report the following large-value transactions: cash deposits, cash withdrawals, cash settlements and sales, cash exchanges, cash remittances, cash bill releases and other forms of cash receipts and expenditures for single or cumulative transactions of more than RMB 50,000 (including 50,000 yuan) and foreign currency equivalent of more than 10,000 US dollars (including 10,000 US dollars) on the same day.

The bank account of a non-natural person customer is transferred to another bank account on the same day, with a single or cumulative transaction of more than RMB 2 million (including RMB 2 million) and the equivalent of foreign currency of more than USD 200,000 (including USD 200,000). Domestic fund transfers of more than RMB 500,000 (including RMB 500,000) and foreign currency equivalent of more than USD 100,000 (including USD 100,000) in a single or cumulative transaction between the bank account of a natural person customer and other bank accounts on the same day.

Cross-border fund transfers between the bank accounts of natural person customers and other bank accounts in a single or cumulative transaction of more than RMB 200,000 (including RMB 200,000) and the equivalent of foreign currency of more than USD 10,000 (including USD 10,000) on the same day. The cumulative transaction amount is calculated and reported on the basis of the customer's unit, and is calculated and reported on the basis of unilateral accumulation of capital income or expenditure. Except as otherwise provided by the People's Bank of China.

1. Financial institutions shall, in accordance with these Measures, formulate internal management systems and operating procedures for large-value transactions and suspicious transaction reporting, make unified requirements for the reporting of large-value transactions and suspicious transactions of their own institutions, and supervise and manage the implementation of the large-value transaction and suspicious transaction reporting system of branches and subsidiaries.

2. Financial institutions and their staff shall keep confidential the customer identity information and transaction information obtained by performing the obligation to report large-value transactions and suspicious transactions in accordance with the law, and shall keep confidential the relevant circumstances of monitoring, analyzing and reporting suspicious transactions in accordance with the law, and shall not provide them to any unit or individual in violation of regulations.

There is no problem with normal payouts.

As long as the transfer account is not suspected of illegal crimes, if it is monitored, it is not a big problem to go to the account of hundreds of thousands a day, after all, the flow of 3 million a month is only a small amount for the bank, and now the amount of transfer of major enterprises to the corporate account is millions or even more than 100 million, so the amount of normal transfer will not attract the attention of the bank. Under normal circumstances, as long as the funds in the account are not suspected of illegal crimes, they will basically not be investigated, after all, if the bank has a daily turnover of more than 100,000 yuan, it is not a particularly big turnover for the bank.

Anti-Money Laundering Law of the People's Republic of China

Article 9 The relevant financial supervision and administration institutions shall participate in the formulation of anti-money laundering regulations for the financial institutions under their supervision and management, and shall put forward requirements for the financial institutions under supervision and management to establish and improve the internal control system for anti-money laundering in accordance with the regulations, and perform other duties related to anti-money laundering stipulated by the law and the financial institutions.

Article 10 The anti-money laundering administrative department shall establish an anti-money laundering information center, which shall be responsible for the receipt and analysis of large-value transactions and suspicious transaction reports, and report the analysis results to the anti-money laundering administrative department in accordance with the regulations, and perform other duties stipulated by the anti-money laundering administrative department.

Article 5 of the Measures for the Administration of Large-Value Transactions and Suspicious Transaction Reporting by Financial Institutions Financial institutions shall report the following large-value transactions: cash deposits, cash withdrawals, cash settlements and sales, cash exchanges, cash remittances, cash bill releases, and other forms of cash receipts and expenditures of more than RMB 50,000 (including 50,000 yuan) and foreign currency equivalent of more than 10,000 US dollars (including 10,000 US dollars) in a single or cumulative transaction on the same day.

Legal analysis: As long as the transfer account is not suspected of illegal crimes, if it is monitored, it is not a big problem, after all, the flow of 3 million a month is only a small amount for the bank, and now the amount of transfer of major enterprises to the corporate account is millions or even more than 100 million, so the amount of normal transfer will not attract the attention of the bank. Under normal circumstances, as long as the funds in the account are not suspected of illegal crimes, they will basically not be investigated, after all, if the bank flows more than 100,000 yuan a day, it is not a particularly large turnover for the bank.

Legal basis: Anti-Money Laundering Law of the People's Republic of China

Article 9 The relevant financial supervision and administration institutions shall participate in the formulation of anti-money laundering rules and regulations for the financial institutions under their supervision and management, and shall put forward the requirements for the financial institutions under supervision and management to establish and improve the internal control system for anti-money laundering in accordance with the regulations, and perform other duties related to anti-money laundering as stipulated by the law and the financial institutions.

Article 10 The anti-money laundering administrative department shall establish an anti-money laundering information center, which shall be responsible for the receipt and analysis of large-value transactions and suspicious transaction reports, and report the analysis results to the anti-money laundering administrative department in accordance with the regulations, and perform other duties stipulated by the anti-money laundering administrative department.

Measures for the Administration of Large-Value Transactions and Suspicious Transaction Reporting by Financial Institutions》 Article 5 Financial institutions shall report the following large-value transactions: cash deposits, cash withdrawals, cash settlements and sales, cash exchanges, cash remittances, cash bills and other forms of cash receipts and expenditures of more than RMB 50,000 (including 50,000 yuan) and foreign currency equivalent of more than 10,000 US dollars (including 10,000 US dollars) on the same day.

Legal Analysis: The bank stipulates that the credit and debit cards that are used only by the person who has the right thing to use are responsible for any consequences arising from the loan of his card to others. If that person has committed a crime, such as:

Drug trafficking, money laundering, smuggling, fraud, etc., or economic disputes with others, public security officers will definitely pursue them through ID cards and bank cards.

Legal basis: Article 28 of the Measures for the Administration of Bank Card Business provides an individual with a valid identity document prescribed by the public security department to the card-issuing bank when applying for a bank card (except for stored-value cards), and after passing the examination by the card-issuing bank, he or she shall open a registered account for him;

Any entity that has opened a basic deposit account with a financial institution within the territory of China shall apply for a unit card with the account opening permit issued by the People's Bank of China;

The bank card and its account can only be used by the cardholder approved by the issuing bank, and cannot be rented or lent.

As long as the transfer account is not suspected of illegal crimes and is monitored, it will not be investigated.

Bank statement refers to the current account of the bank (including the current passbook.

and bank cards).

According to the nature of the account, it is divided into a ** water and a corporate statement, and the bank statement is a kind of proof material to prove the income of an individual or a company, and it is a necessary material to apply for a loan from the bank.

Extended Resources:

Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which is approved by commercial banks (including postal financial institutions) to be issued to the public. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system has made the dream of a "check-free, cashless society" a reality.

Apply for a bank card.

Apply for credit and debit cards.

The process is not the same.

When applying for a credit card, you need to bring your valid ID (ID card.

or a copy of the ID card or a copy of the household registration book or the household registration book), proof of residence, and proof of income of the unit.

or personal asset certificate and other materials, to apply to the card issuer, you need to fill in the application form, in which the information required to be true. After filling out the application form, you need to go to the bank where you open your account.

After the head office of the head office reviews the application materials, it will take about 20 working days to issue the card to the customer. Credit cards can only be applied to customers aged 18 and above, and minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple, you only need to bring your valid documents (ID card or household registration booklet), go to the opening bank to fill out the application form, and the card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply for it. When customers under the age of 16 apply for a debit card, their guardian must go to the counter of the bank branch with the account book (or relevant proof if it is not on the same account book), and the person to be handled can not be present. Minors who have reached the age of 16 but have not yet reached the age of 18 may present a work certificate if they have already joined the workforce.

If you do not participate in the work, you still need the assistance of your guardian to handle it, and the person who is being handled can not be present; Applicants aged 18 or above can apply for a debit card directly at the counter of a bank branch or a self-service card kiosk with their ID card.

According to national regulations, debit cards issued as minors do not have online banking.

cannot be bound to mobile payments.

Software. Report a lost card.

The loss reporting procedures of major banks are not exactly the same, if you lose it, you can first use ** or online banking to temporarily report the loss, and then bring your ID card and other supporting materials to the bank counter to report the loss.