重庆特大洗钱案

重庆特大洗钱案 重庆特大洗钱案牵涉多家银行 审查失效 21世纪经济报道 8月17日～重庆警方向媒体通报～成功破获一起特大非法经营地下钱庄案～打掉一个利用空壳公司非法从事资金支付结算业务的犯罪团伙。此案涉案金额高达560亿元～冻结涉案账户共计912个～冻结资金5.48亿元。 据一位参与此次案件侦破的人士介绍～重庆多家银行涉案。不过该人士并未透露具体涉案银行名单。 记者查询现有公开资料获知～这是我国迄今为止破获的最大地下钱庄案。人民银行曾通报～今年上半年～外汇管理部门与公安机关共破获10起地下钱庄和网络炒汇案件～涉案金额累计超过100亿元。 警方的调查将地下钱庄、客户交易的整个脉络一一还原。交易都是通过银行的公转私业务平台完成～但遗憾的是～未有银行察觉异常。人民银行通过《金融机构反洗钱规定》等多个文件对洗钱行为进行约束～但在利益冲击下～这些大额、异常支付报告制度在金融机构几近失灵。 目前～警方正在进行案件收尾工作～相关嫌疑人正在司法诉讼过程中。 9000个银行账户 重庆楚和商贸有限公司(下称“重庆楚和”)一夜出名。 from young teachers access of website view, integrated class website of proportion highest, up 70.83%, a is integrated class website influence strong, social visibility high; II is integrated class website of various information resources rich, can meet everyone on various information resources of needs. Followed by education networks, educational networks and closely related to the work of young teachers, so the large amount of visitors, access. Third is the search engine, the Internet has been for us to expand our knowledge, sharing resources, and gain more knowledge, open a window, has become an important reason for our use of the Internet. But what is worth noting is the visitor turned out to be at least the school campus network, my school's website did not meet everyone's needs, mainly because of the small amount of resources, to meet everyone's needs, categories are not rich, and school Web site-building needs to up the horses, fast. (C) data analysis of teachers professional development 1.62nd questions what do you think of knowledge and ability of teachers ' professional development, your lack of student ... Excellent teachers of guide f. School of teachers team construction measures G. School of learning research atmosphere h. other six, and teacherson local evening, and daily of identity, and recognized; ranking third of is other, this reflect we of young teachers reading of publications also has many above by column, also description has they of reading interest widely, and dabbled in quite wide; other for not for analysis. We believe the China education daily, and as the authority of the education system of the people's education press, as too few readers of educators, not normal, it is not. 61st problem you often browse of website is () [more topics] option small meter proportion a,. integrated class website (Xinhua, and Sohu, and SINA, and Yahoo) 34 70.83% b. education network 25 52.08% c. search engine (GOOGLE Baidu) 18 37.5% d. school campus network 4 8.33% e. personal blog 16 33.33% f. professional sex website (literature network, and financial network,) 8 16.67% g. on the NET 4 8.33% h. shopping network (such as Taobao, dangdang, etc) 13 27.08% I. other types of site 5 10.42% j. do not go 0 0% k. effective fill out the passengers were not like the Internet 0 0% point 48 design point is to understand the young teacher's website. As life Internet of we, life, and work has without network has, from statistics data bar see, select "not Internet", and "not like Internet" of are for 0, also can description This is; 重庆楚和注册于2009年6月～资本金50万元～主要经营计算机软硬件开发、销售～销售计算机及配件、电子元器件、珠宝、百货、工艺美术品。其最后一次通过年检的时间是2010年。三五个伙计～一年几百万的营业收入～渝州路上这样的小公司成千上万。 事实上～低调的重庆楚和做着“大业务”。 国家审计署广州特派办在商业银行新增贷款投放结构和资产质量专项跟踪审计调查中发现～2010年1月到10月～重庆楚和等19家公司利用其开设的商业银行公营账户向个人账户划转资金平台～非法从事资金支付结算业务。 包括重庆楚和在内的19家公司的非法活动共涉及9000余个银行账户～交易金额累计达450亿元人民币～其行为涉嫌非法经营罪。 发现此情况后～重庆市公安局迅速成立“3〃25”专案组～专案组以经侦总队为主体、集合多个专业警种力量～人行重庆营管部也派出金融专家直接参与案件调查工作。 随着调查的深入～该团伙的做案脉络逐渐显现。 该团伙利用重庆楚和这样的空壳公司等方式～设立了20余个对公账户及数百个个人账户～同时在广东深圳等地设立“业务联系人”。在深圳的业务联系人有7人。与此对应～重庆的业务人员也有7名。 “业务联系人”在接到业务后～随即将“客户”对公账户的资金转入重庆事先注册好的对公账户中～重庆方再将资金转入个from young teachers access of website view, integrated class website of proportion highest, up 70.83%, a is integrated class website influence strong, social visibility high; II is integrated class website of various information resources rich, can meet everyone on various information resources of needs. Followed by education networks, educational networks and closely related to the work of young teachers, so the large amount of visitors, access. Third is the search engine, the Internet has been for us to expand our knowledge, sharing resources, and gain more knowledge, open a window, has become an important reason for our use of the Internet. But what is worth noting is the visitor turned out to be at least the school campus network, my school's website did not meet everyone's needs, mainly because of the small amount of resources, to meet everyone's needs, categories are not rich, and school Web site-building needs to up the horses, fast. (C) data analysis of teachers professional development 1.62nd questions what do you think of knowledge and ability of teachers ' professional development, your lack of student ... Excellent teachers of guide f. School of teachers team construction measures G. School of learning research atmosphere h. other six, and teacherson local evening, and daily of identity, and recognized; ranking third of is other, this reflect we of young teachers reading of publications also has many above by column, also description has they of reading interest widely, and dabbled in quite wide; other for not for analysis. We believe the China education daily, and as the authority of the education system of the people's education press, as too few readers of educators, not normal, it is not. 61st problem you often browse of website is () [more topics] option small meter proportion a,. integrated class website (Xinhua, and Sohu, and SINA, and Yahoo) 34 70.83% b. education network 25 52.08% c. search engine (GOOGLE Baidu) 18 37.5% d. school campus network 4 8.33% e. personal blog 16 33.33% f. professional sex website (literature network, and financial network,) 8 16.67% g. on the NET 4 8.33% h. shopping network (such as Taobao, dangdang, etc) 13 27.08% I. other types of site 5 10.42% j. do not go 0 0% k. effective fill out the passengers were not like the Internet 0 0% point 48 design point is to understand the young teacher's website. As life Internet of we, life, and work has without network has, from statistics data bar see, select "not Internet", and "not like Internet" of are for 0, also can description This is; 人账户～最后转入“客户”指定的账户中～或者非法为“客户”兑换外汇出境～并收取交易金额的1‰至3‰作为手续费～从而满足客户规避人民银行对企业基本账户和现金的管理、逃避金融监管将资金汇到境外、隐匿资金走向等非法目的～完成整个犯罪过程。 警方进一步调查发现～除国家审计署广州特派办调查发现的450亿元涉案资金外～从去年10月到今年5月～又有117亿元异地资金流入重庆楚和等19家公司对公账户中。流入资金涉及100余家单位、个人～分布在广州、北京、大连等多个城市～资金来源涉及珠宝首饰、电子、建筑等行业～涉案金额累计达560亿元。 四类“客户” 5月6日～专案组在重庆、深圳两地分设抓捕行动指挥部～会同广州、深圳两地警方～集结近百名警力～在三地对犯罪团伙实施统一收网行动～当场抓获涉案人员25人。 专案组同时对犯罪嫌疑人在重庆和深圳两地的住所和经营场所进行了搜查～扣押作案工具电脑24台、银行卡160余张、网银U盾90余个。 此时～3.〃25专案暂告一段落。随着侦查的深入～地下钱庄与“客户”的具体交易手段也被逐一还原。 据当事人陈述～“客户”进行非法资金转移主要有以下几种目的:非法买卖外汇。客户因偿还境外赌债、支付货款等原因～通过地下钱庄非法买卖外汇～并向境外转出资金,或者因向境外from young teachers access of website view, integrated class website of proportion highest, up 70.83%, a is integrated class website influence strong, social visibility high; II is integrated class website of various information resources rich, can meet everyone on various information resources of needs. Followed by education networks, educational networks and closely related to the work of young teachers, so the large amount of visitors, access. Third is the search engine, the Internet has been for us to expand our knowledge, sharing resources, and gain more knowledge, open a window, has become an important reason for our use of the Internet. But what is worth noting is the visitor turned out to be at least the school campus network, my school's website did not meet everyone's needs, mainly because of the small amount of resources, to meet everyone's needs, categories are not rich, and school Web site-building needs to up the horses, fast. (C) data analysis of teachers professional development 1.62nd questions what do you think of knowledge and ability of teachers ' professional development, your lack of student ... Excellent teachers of guide f. School of teachers team construction measures G. School of learning research atmosphere h. other six, and teacherson local evening, and daily of identity, and recognized; ranking third of is other, this reflect we of young teachers reading of publications also has many above by column, also description has they of reading interest widely, and dabbled in quite wide; other for not for analysis. We believe the China education daily, and as the authority of the education system of the people's education press, as too few readers of educators, not normal, it is not. 61st problem you often browse of website is () [more topics] option small meter proportion a,. integrated class website (Xinhua, and Sohu, and SINA, and Yahoo) 34 70.83% b. education network 25 52.08% c. search engine (GOOGLE Baidu) 18 37.5% d. school campus network 4 8.33% e. personal blog 16 33.33% f. professional sex website (literature network, and financial network,) 8 16.67% g. on the NET 4 8.33% h. shopping network (such as Taobao, dangdang, etc) 13 27.08% I. other types of site 5 10.42% j. do not go 0 0% k. effective fill out the passengers were not like the Internet 0 0% point 48 design point is to understand the young teacher's website. As life Internet of we, life, and work has without network has, from statistics data bar see, select "not Internet", and "not like Internet" of are for 0, also can description This is; 个人或银行借款、走私外汇等原因～通过地下钱庄非法买卖外汇～从境外转入资金。 比如～ 浙江一工程项目负责人祁某于2011年1月7日到澳门赌场参与赌博～在两天时间内共计输掉1000万港币。因当场不能偿还赌债～于是写下借条并约定按时将资金打到赌场提供的账号上。 祁某回到国内后～以各种虚假名义向工程开发公司申请款项来偿还赌债～并让工程开发公司将资金汇入事先联系好的地下钱庄账户。 工程开发公司在未认真审核的情况下就同意放款～并将860万元人民币汇入地下钱庄控制的账户～再由地下钱庄控制的账户换成港币转到澳门赌场。祁某的行为已涉嫌非法买卖外汇罪。 其次是改变贷款用途。企业通过地下钱庄非法转移资金～将银行划转至企业账户的贷款转移出来挪作他用。 三是向境外转移资金。企业通过地下钱庄直接将资金转移至香港、澳门等地区～用于买房、炒股。 四是通过地下钱庄～转移资金用于虚报注册资本等违法犯罪活动。 王某准备入股深圳某大型房地产开发公司～但没有资金～便与上述地产公司负责人温某商量～先将该公司公营账户内的资金1300万元通过地下钱庄转到王某的个人账户内。 王某验资完成后再将资金转回该公司的公营账户～从而达到入股的目的。 from young teachers access of website view, integrated class website of proportion highest, up 70.83%, a is integrated class website influence strong, social visibility high; II is integrated class website of various information resources rich, can meet everyone on various information resources of needs. Followed by education networks, educational networks and closely related to the work of young teachers, so the large amount of visitors, access. Third is the search engine, the Internet has been for us to expand our knowledge, sharing resources, and gain more knowledge, open a window, has become an important reason for our use of the Internet. But what is worth noting is the visitor turned out to be at least the school campus network, my school's website did not meet everyone's needs, mainly because of the small amount of resources, to meet everyone's needs, categories are not rich, and school Web site-building needs to up the horses, fast. (C) data analysis of teachers professional development 1.62nd questions what do you think of knowledge and ability of teachers ' professional development, your lack of student ... Excellent teachers of guide f. School of teachers team construction measures G. School of learning research atmosphere h. other six, and teacherson local evening, and daily of identity, and recognized; ranking third of is other, this reflect we of young teachers reading of publications also has many above by column, also description has they of reading interest widely, and dabbled in quite wide; other for not for analysis. We believe the China education daily, and as the authority of the education system of the people's education press, as too few readers of educators, not normal, it is not. 61st problem you often browse of website is () [more topics] option small meter proportion a,. integrated class website (Xinhua, and Sohu, and SINA, and Yahoo) 34 70.83% b. education network 25 52.08% c. search engine (GOOGLE Baidu) 18 37.5% d. school campus network 4 8.33% e. personal blog 16 33.33% f. professional sex website (literature network, and financial network,) 8 16.67% g. on the NET 4 8.33% h. shopping network (such as Taobao, dangdang, etc) 13 27.08% I. other types of site 5 10.42% j. do not go 0 0% k. effective fill out the passengers were not like the Internet 0 0% point 48 design point is to understand the young teacher's website. As life Internet of we, life, and work has without network has, from statistics data bar see, select "not Internet", and "not like Internet" of are for 0, also can description This is; 银行的盘算 让人不解的是～多达560亿元的交易几乎完全通过银行的“公转私”业务平台完成～但在审计署的检查前似乎并未被察觉。 《人民币银行结算账户管理办法》第40条规定～单位从其银行结算账户支付给个人银行结算账户的款项～每笔超过5万元的～应向其开户银行提供下列付款依据:代发工资协议和收款人清单,新闻出版、演出主办等单位与收款人签订的劳务合同或支付给个人款项的证明,证券公司、期货公司、信托投资公司、奖券发行或承销部门支付或退还给自然人款项的证明等其他资料。 第42条则规定～单位银行结算账户支付给个人银行结算账户款项的～银行应按第40条、第41条规定认真审查付款依据或收款依据的原件～并留存复印件～按会计档案保管。 换句话说～为了将资金从公司账户转入私人账户～重庆楚和必须提供大量的～以说明资金流向～银行则应该进行适当的审查。 “重庆楚和交易量这么大～银行应该不难发现异常。”当地一位银行人士说。按照规定～银行在发现大额、可疑交易～应当向人民银行或者国家外汇管理局报告。 上述人士分析～对于银行而言～大量的资金往来有两个好处～一是可以取得一定的结算收入～其次是能获得资金沉淀。在去年以来资金紧张的局面下～银行存款争夺战硝烟四起～几百亿的资金沉淀对银行而言极具吸引力。这也可能是如此异动都未能被发现的根本原因。 from young teachers access of website view, integrated class website of proportion highest, up 70.83%, a is integrated class website influence strong, social visibility high; II is integrated class website of various information resources rich, can meet everyone on various information resources of needs. Followed by education networks, educational networks and closely related to the work of young teachers, so the large amount of visitors, access. Third is the search engine, the Internet has been for us to expand our knowledge, sharing resources, and gain more knowledge, open a window, has become an important reason for our use of the Internet. But what is worth noting is the visitor turned out to be at least the school campus network, my school's website did not meet everyone's needs, mainly because of the small amount of resources, to meet everyone's needs, categories are not rich, and school Web site-building needs to up the horses, fast. (C) data analysis of teachers professional development 1.62nd questions what do you think of knowledge and ability of teachers ' professional development, your lack of student ... Excellent teachers of guide f. School of teachers team construction measures G. School of learning research atmosphere h. other six, and teacherson local evening, and daily of identity, and recognized; ranking third of is other, this reflect we of young teachers reading of publications also has many above by column, also description has they of reading interest widely, and dabbled in quite wide; other for not for analysis. We believe the China education daily, and as the authority of the education system of the people's education press, as too few readers of educators, not normal, it is not. 61st problem you often browse of website is () [more topics] option small meter proportion a,. integrated class website (Xinhua, and Sohu, and SINA, and Yahoo) 34 70.83% b. education network 25 52.08% c. search engine (GOOGLE Baidu) 18 37.5% d. school campus network 4 8.33% e. personal blog 16 33.33% f. professional sex website (literature network, and financial network,) 8 16.67% g. on the NET 4 8.33% h. shopping network (such as Taobao, dangdang, etc) 13 27.08% I. other types of site 5 10.42% j. do not go 0 0% k. effective fill out the passengers were not like the Internet 0 0% point 48 design point is to understand the young teacher's website. As life Internet of we, life, and work has without network has, from statistics data bar see, select "not Internet", and "not like Internet" of are for 0, also can description This is; 《金融机构反洗钱规定》第20条规定～对于未按照规定报告大额交易或者可疑交易的行为～情节严重的～可以取消其直接负责的高级管理人员的任职资格。 人民银行《关于改进个人支付结算服务的通知》简化了单位银行结算账户向个人银行结算账户支付款项的处理手续，从单位账户向个人账户的转账，每笔超过5万元人民币的，既可由付款单位出具单独的付款依据，也可由付款单位在付款用途栏或备注栏注明事由。但付款单位须对该款项支付的真实性、合法性负责，只能将确属个人的合法收入款项转入个人账户。同时，为防止付款单位利用该规定从事套取现金、逃税、洗钱等违规违法活动，《通知》规定:对于单位账户向个人账户支付款项的，如属于反洗钱制度规定的大额和可疑交易，银行应按反洗钱的有关规定报告。 执行简化手续的时候要根据对各户掌握情况慎重确定采用何种手续～防范风险。 from young teachers access of website view, integrated class website of proportion highest, up 70.83%, a is integrated class website influence strong, social visibility high; II is integrated class website of various information resources rich, can meet everyone on various information resources of needs. Followed by education networks, educational networks and closely related to the work of young teachers, so the large amount of visitors, access. Third is the search engine, the Internet has been for us to expand our knowledge, sharing resources, and gain more knowledge, open a window, has become an important reason for our use of the Internet. But what is worth noting is the visitor turned out to be at least the school campus network, my school's website did not meet everyone's needs, mainly because of the small amount of resources, to meet everyone's needs, categories are not rich, and school Web site-building needs to up the horses, fast. (C) data analysis of teachers professional development 1.62nd questions what do you think of knowledge and ability of teachers ' professional development, your lack of student ... Excellent teachers of guide f. School of teachers team construction measures G. School of learning research atmosphere h. other six, and teacherson local evening, and daily of identity, and recognized; ranking third of is other, this reflect we of young teachers reading of publications also has many above by column, also description has they of reading interest widely, and dabbled in quite wide; other for not for analysis. We believe the China education daily, and as the authority of the education system of the people's education press, as too few readers of educators, not normal, it is not. 61st problem you often browse of website is () [more topics] option small meter proportion a,. integrated class website (Xinhua, and Sohu, and SINA, and Yahoo) 34 70.83% b. education network 25 52.08% c. search engine (GOOGLE Baidu) 18 37.5% d. school campus network 4 8.33% e. personal blog 16 33.33% f. professional sex website (literature network, and financial network,) 8 16.67% g. on the NET 4 8.33% h. shopping network (such as Taobao, dangdang, etc) 13 27.08% I. other types of site 5 10.42% j. do not go 0 0% k. effective fill out the passengers were not like the Internet 0 0% point 48 design point is to understand the young teacher's website. As life Internet of we, life, and work has without network has, from statistics data bar see, select "not Internet", and "not like Internet" of are for 0, also can description This is;