According to the Measures for the Administration of Reports on Large-value Transactions and Suspicious Transactions of Financial Institutions, the following situations are large-value transactions:
Cash deposit and withdrawal, cash withdrawal, cash settlement and sale, cash remittance, cash remittance, cash bill payment and other cash receipt and payment forms with a single or accumulated amount of more than RMB 50,000 (inclusive) and the equivalent amount of US$ 65,438+0,000.
The bank account and other bank accounts of non-natural person customers have a single or cumulative transaction amount of more than RMB 2 million (including RMB 2 million) and a foreign currency equivalent of more than US$ 200,000 (including US$ 200,000).
Domestic fund transfer with a single or cumulative transaction amount of more than 500,000 yuan (including 500,000 yuan) and foreign currency equivalent of more than 654.38+million dollars (including 654.38+million dollars) on the day when bank accounts and other bank accounts of natural person customers occur.
Cross-border transfer of funds with a single or cumulative transaction amount exceeding RMB 200,000 (including RMB 200,000) and foreign currency equivalent exceeding US$ 6,543.8+0,000 (including US$ 6,543.8+0,000) on the day when the bank account of a natural person customer and other bank accounts occurred.
Large-value real-time payment system or large-value payment system, which processes payment services one by one in real time and liquidates funds in full.
The purpose of building a large-scale real-time payment system is to provide fast, efficient, safe and reliable payment and settlement services for banks, enterprises and financial markets.
Preventing payment risks plays an important role in the central bank's more flexible and effective implementation of monetary policy and timely liquidation of money market transactions.
The system handles all kinds of large credit and emergency small credit payment services in different places in the same city, between banks and within banks, all kinds of credit payment services in the People's Bank of China system, and instant transfer of bond transactions.
Large real-time payment system is an important application system and a part of modern payment system. The system structure includes bipolar processing centers, that is, national processing centers and 32 urban processing centers including provincial capitals and Shenzhen.
Provincial branches of commercial banks, as direct participants in the payment system, are connected with the city processing center of the payment system through the front-end computer system, and business outlets of commercial banks, as indirect participants in the payment system, are connected with the large-sum real-time payment system through the front-end computer system to handle payment business.
Baidu Encyclopedia, a large real-time payment system