When a new type of money laundering is grafted into a romantic way, resulting in the "darkness under the light" of anti-money laundering, we must be highly vigilant and strengthen publicity and education at the same time
Recently, Ms. Mao, the owner of a flower shop in Jiangsu, received an order from a strange customer , asked to make a 52,000 yuan cash flower gift box to propose to his girlfriend. After communicating about the style and cost, the other party asked Ms. Mao for a bank card number to transfer funds and asked Ms. Mao to withdraw money to help make the flowers. However, when Ms. Mao delivered the bouquet to the customer, she received a message that her bank card had been frozen. After verification by the police, the funds Ms. Mao received to make cash bouquets were actually stolen money suspected of fraud. Currently, the case is under further investigation.
Cash bouquets and cash cakes were originally intended to express romance and create surprises, but they were targeted by fraudsters and became a new method of money laundering. According to the media, there have been many cases of money laundering through such methods in the past two years. The public security organs have discovered many cases of using flowers to deliver large amounts of cash. In addition to flower gift boxes, the same is true for customized cakes containing cash. What is puzzling about is that merchant operators who are doing business normally have become "money laundering accomplices" of fraudsters? The police are cracking down on telecommunications fraud, why do they also freeze merchant accounts? Is this considered an accidental injury?
As everyone knows, the so-called money laundering refers to the act of disguising, concealing, and transforming illegal income obtained from crimes or other illegal activities through various means to make it legal in form. Criminals transfer money into the bank card of a merchant that is operating normally, or directly ask the victim to transfer the money into the merchant's bank card. The merchant then withdraws the money and sends it back in cash. This money is passed through a flower shop or cake shop, and the money is transferred to the merchant's bank card. With a normal origin, he was whitewashed. looks like making cash bouquets and cash cakes, but in fact it helps people transfer money. Although merchants may not be aware of this and subjectively do not have the intention of "lending bank cards", objectively it is still an act of "lending bank cards".
According to my country’s criminal law, money laundering may involve concealing the proceeds of crime. In order to combat telecommunications network fraud, it has always been strictly prohibited to illegally provide one's (unit's) bank account for others to use by selling, renting, lending, transferring, etc. If one knowingly lends a bank card subjectively, it is likely to constitute the crime of covering up and concealing criminal proceeds. Therefore, lending a bank card is no child’s play. Because the merchant was deceived, there was no intentional intention subjectively, and it should not be involved in criminal issues. However, it is still necessary to cooperate with the public security agency's investigation to prove his innocence. Freezing the merchant's bank card is also a common practice until the problem is investigated.
Judging from reports, many merchants have encountered "black hands" through the delivery of flowers, cakes, etc. with large amounts of cash. This is a warning to all of us. In work and life, when faced with requests from strangers to help transfer money or send red envelopes, you must pay attention to screening and know how to refuse; especially those who operate merchants, remember to keep the "two cards" (phone card and bank card) to stay away from potential troubles. Otherwise, the "advance payment" you receive may be the "stolen money" used by fraudsters to defraud the victim, and your bank card actually acts as a collection card for fraudsters. This will not only bring a lot of inconvenience to you, but also create difficulties for the police to solve the case.
When a new type of money laundering is grafted onto a romantic approach, resulting in the “darkness under the light” of anti-money laundering, we must be highly vigilant and at the same time strengthen publicity and education. It is necessary for relevant departments to conduct some targeted legal education for relevant merchants, clearly inform them of the risks, and help them improve their prevention awareness. And also needs to carefully identify the specific responsibilities that businesses involved in it should bear. If only normal cash flowers or cake making fees are charged, it can be proven that there was no subjective intention to lend a bank card to help withdraw money. After necessary legal education, the freeze and other measures should be lifted as soon as possible to minimize the adverse effects . Of course, if the fees are obviously high, or if you have been doing this for a long time, or you still go your own way even after being educated by the police, then it is another matter.
Red Star News Special Commentator Shu Shengxiang
Editor Wang Yintao
Red Star Comment Submission Email: [email protected]
