If one day, the payment you received from the customer cannot be withdrawn and used, and the bank reports that the account is frozen, what will you do?
Recently, the Yongkang police in Zhejiang have received reports from local business owners, saying that the collection accounts of their legally operated companies were suddenly frozen by local public security agencies. Zhu, who has run factories at Yongkang Great Wall for many years, This is what happened to the lady.
On September 10, Ms. Zhu went to the Agricultural Bank of China to withdraw money, but was told by the bank staff: “Your The account has been frozen by the Public Security Bureau of a certain province and city. For specific information, please consult the certain city police.”
After understanding, the police of a certain city received Ms. Zhu’s bank account on September 5 Ms. Zhu’s bank account was frozen on the grounds that a sum of 100,000 yuan was suspected of a criminal offence.
“This is a payment made by a customer in India to our company, but the payment was not remitted from abroad, but was remitted to our company from a strange account in China.”
After discovering that her account had been frozen, Ms. Zhu provided detailed evidence and materials at the request of the police in a certain city, and went to the police in person to cooperate with the investigation. However, so far, her bank account has not been unfrozen. Its production and operation have had a huge impact.
Enterprises operating legally may have the following two risks:
1. The bank account is frozen. For an enterprise’s receivables, especially foreign trade payments, if the customer does not remit money through normal channels, but instead uses underground banks or entrusts a third party (such as a logistics company) to make payments, the enterprise may end up with the payment being adulterated with illegal substances. Criminal funds cause public accounts or personal accounts to be frozen, which seriously affects the company’s capital turnover, production and operations.
2. The identity information of the business owner is used by criminals to register a new company. Criminals used the company’s name to conduct telecommunications network fraud, which affected the integrity of local legal businesses in Yongkang.
In order to effectively prevent and respond to the freezing of bank accounts, business owners should pay attention to:
NO.1
Customers should be required to confirm the payer’s bank account information before paying for goods, and make payments through compliant and legal channels;
NO.2
You should try to avoid using private accounts to collect payments, and try to use the company’s public accounts to collect payments;
NO.3
Do not accept payment for goods Irrelevant payments; do not participate in collections or payments; do not lend bank accounts; do not frequently change cards, cancel cards, etc.;
NO.4
Do not transfer the extra payment to others according to the customer’s instructions, but return it in the same way;
NO.5
Always log in to the company to check, Use software such as Tianyancha to check whether your name
If the account has been frozen, all business owners should pay attention to:
NO.1
Prepare the company’s business license, tax-related information and other certificates;
NO.2
Keep the funds related to the case Foreign trade order information: email, WeChat, QQ and other chat records of business discussions with customers, contract agreements, transaction documents, transaction flow and other proofs;
NO.3
Proactively contact the public security authority in the place where the freeze is placed, and communicate through phone calls, text messages, etc. to understand the amount involved, the reason for the freeze, and the conditions required for thawing; and then cooperate with the requirements of the public security authority in the place where the freeze is placed.
Police reminds
Business owners should consciously regulate trade receipts and payments, Remittance and transfer through compliant and legal channels, and avoid financial transactions with underground banks or third-party institutions to avoid losses to your business. </p
