How to solve money laundering without knowing it?

The subjective constitution of the crime of money laundering requires the parties to be intentional, so it is not a crime to participate in money laundering without knowing it, but it is necessary to provide relevant evidence to prove that they are unaware. It is suggested that the situation of other relevant personnel in the case should be fed back to the public security organ in time to collect evidence.

First, the main means

1. Antique trading

You bought 40 Ming Dynasty vases at $5,000 each. You put them all up for auction and store them in 12 auction houses, preferably 12 different cities. When a vase is auctioned, you either sell it to the highest bidder or send your closest uncle to the auction house to buy it back.

People usually pay everything you buy by check, so when your uncle pays $5,500 in cash (that is, the auction price of $5,000 plus the handling fee charged to the buyer 10%) to the auction house for one of the vases, they will give you a check of $4,500, that is, the auction price minus the handling fee charged to the seller 10%.

These expenses can be completely written off as money laundering expenses. Fortunately, you can auction this vase again. Of course, the premise of doing this business is that you have some aristocratic temperament.

2. Life insurance transactions

Insurance money laundering mainly focuses on life insurance, especially group life insurance. Through long-term insurance and short-term insurance, wholesale insurance, personal insurance and other abnormal insurance and surrender methods, the purpose of transferring collective and state public funds to the unit's "small treasury", turning them into personal private funds or evading taxes is achieved.

When taking out insurance, don't forget the names of "seeking benefits for employees" and "reasonable tax avoidance"-turning part of it into personal income through normal financial channels, or directly distributing funds that need to pay high personal income tax, and turning public into private or tax evasion by taking out life insurance for its employees and then surrendering them.

However, some insurance companies still actively promote this kind of "insurance policy" when they know that the insurance purpose is not pure, and some salesmen even use it as bait to make suggestions for their business objects and actively provide convenience for "money laundering". They brought in more business and took more expenses; However, the insurance company that "talks about heroes by scale" has completed the task index in a short time, and can also deduct a handling fee from the "surrender premium". Therefore, insurance "money laundering" is more like an ugly multilateral transaction.

3. Overseas investment

The classic practice is: when importing, exaggerate the prices of imported equipment and raw materials, pay them to foreign suppliers in the form of high commissions and discounts, then take kickbacks from them, divide the illegal income and leave the illegal income abroad; When exporting, the price of export commodities is greatly lowered, or the invoice amount is much lower than the actual transaction amount, and the foreign importer will deposit the difference in payment into the exporter external account. If you are brave enough, you can consider setting up a personal account directly in an overseas bank.

In this way, it is not surprising that some overseas branches of state-owned enterprises have evolved into professional money laundering centers. In addition, we might as well run a leather bag company to launder money through agents or children and relatives who emigrated overseas. If the competent department sends someone to investigate, it will get some painful reasons for the loss. The following consequences are even more legendary: the heads of some so-called loss-making companies and their relatives became rich within a few years and became happy American "investment immigrants"; At the same time, these China companies illegally hold foreign exchange in overseas accounts, far exceeding the amount held by the State Administration of Foreign Exchange. It should be pointed out that the protagonists in this process are precisely those government officials.

4. Various casinos

Lan Fu, the former vice mayor, was caught in the Yuan Hua case. When asked about Lan Fu's unknown property and his illegal gambling abroad, he boasted that in a few years, he earned as much as $650,000 plus HK$ 330,000 through gambling. Lan Fu's lies were exposed by some people who had been to this case and gambled with him, because Lan Fu almost failed every time he gambled.

If he is a master, he enters the arena with 6.5438+million chips, loses 6.5438+million chips and leaves the arena, asking the casino to credit the remaining 9 million into his account. He set up obstacles for possible tracing in the future. Therefore, people only notice that these people are losing money, but compared with the large amount of losses in the standard money laundering model, the risk of casino money laundering is often considered acceptable.

In fact, casinos are the most traditional money laundering places. In the early days, the drug trade in the mafia was mostly cash, and the money was generally stained with white powder. Once caught by the police, it is difficult to get away with it. Mafia members will take cash to the casino and exchange it for chips. Once they lose almost 30% of their money, they will change the remaining chips into cash, which will naturally turn the stolen money into "clean" income. In today's world economic downturn, gamblers from Asia are the only growing customer base. Compared with real-life casinos, online casinos have become a safe haven for money laundering. Most of gambling sites's headquarters are located in the Caribbean, which is called a "tax haven". Many websites are not regulated by government departments at all, nor do they follow the rules of international casinos. They don't even ask customers for identity information. Many criminal groups usually gamble symbolically once or twice after putting money into these accounts opened in gambling sites, and then immediately notify the website "I don't want to play any more" and ask the website to write a check in the name of the website to return the money in their accounts. In this way, the huge amount of "black money" can easily be "washed away"! According to preliminary estimates, the amount of "black money" laundered through hundreds of gambling sites is about 600 billion to 654.38+0.5 trillion US dollars every year.

5. Securities money laundering

June 65438+February 65438+June 2002, Yufeng International, Fuchang International and Jinhe International were ordered to suspend trading in Hong Kong for money laundering. Most of these three companies hold shares by mutual assistance, and there are few minority shareholders outside the circle. Such companies are called "dry" in the Hong Kong market, and the companies called "dry" are often regarded as "best partners" of money laundering by some international organizations.

Second, the main impact

1. Money laundering has caused extremely serious economic, security and social consequences. Money laundering provides impetus for the activities and development of drug traffickers, terrorists, illegal arms dealers, corrupt government officials and other criminals. Due to the rapid development of science and technology and the globalization of financial services, money laundering is becoming more and more international, and financial problems related to criminal activities are becoming more and more complicated.

2. According to the statistics of the International Monetary Fund, the amount of illegal money laundering in the world accounts for about 2% to 5% of the world GDP every year, ranging from 600 billion to10.8 trillion US dollars, and the amount is increasing by10 billion US dollars every year. Especially in the current situation of economic globalization and internationalization of capital flows, money laundering is extremely harmful to the security of the international financial system and the international political and economic order.

Legal basis:

Criminal law of the people's Republic of China

Article 19 1

The crime of money laundering refers to covering up and concealing the source and nature of the proceeds from organized crimes, terrorist crimes, smuggling crimes, corruption and bribery crimes, crimes against financial management order and financial fraud crimes. Whoever commits one of the following acts shall be confiscated of the above-mentioned criminal gains and illegal gains, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also or only be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined:

(a) to provide funds account;

(2) Converting property into cash, financial bills or securities;

(3) Transferring funds by transfer or other payment and settlement methods;