XX bank:

My unit needs to increase labor expenditure due to business development. .......

I hereby apply to your bank for an increase. ......

XX unit (official seal)

The following information is expected to help you:

Application is a tool for individuals or collectives to express their wishes and make demands to organizations, organs, enterprises, institutions or social groups. The application form is widely used, and it is also a special letter. Like ordinary letters, it is also a tool to express emotions. The application requires one thing, one discussion, and the content should be simple. Different objects have different applications, such as joining the league and joining the party.

Matters needing attention

(1) The matters applied for should be written clearly and specifically, and the data involved should be accurate. (2) The reasons should be fully reasonable and realistic, and cannot be exaggerated or fabricated, otherwise it will be difficult to get the approval of superior leaders. (3) The language should be accurate and concise, and the attitude should be sincere and simple.

What are the risks of transferring public accounts to private accounts?

1, suspected of taking corporate funds.

Generally, the flow of funds in the company account is well documented, but if it is transferred to the boss's private account, it is difficult to distinguish whether the money is public or private, which is prone to the risk of misappropriating public funds or evading debts.

According to the law, the company's funds must be supervised and cannot be used for private purposes. Once embezzlement is found, it will be severely punished!

2 suspected of tax fraud or tax evasion.

Some enterprises take advantage of the convenience of online banking "public-to-private" transfer, and transfer the funds that should belong to the enterprise into personal accounts, concealing the real income of the enterprise and achieving the purpose of tax evasion.

In addition, there are also criminals who make false payment transactions by registering false companies, opening accounts, falsely issuing VAT invoices, etc., so as to defraud the national tax preferences and disrupt the normal tax order of the country.

3. Money laundering and suspicion of underground money houses

The online banking payment function of the company's bank settlement account allows customers to transfer funds through fictitious transaction background, which is not limited by time, space and region, is not subject to the scale review of banks, and does not require effective anti-money laundering internal control supervision measures. At the same time, the "public-to-private" business of corporate account online banking is completed in a virtual environment, and there are no substantial traces such as signatures and handwriting. It is difficult for commercial banks to know the actual controller of account funds, which increases the difficulty of supervision and management of commercial banks. Criminals can quickly flow black money between corporate and personal accounts, blurring the source of funds and increasing the difficulty of investigation and evidence collection of money laundering crimes.

Once the cumulative number of large-sum receipts in personal accounts is too many, it will be listed as the key monitoring object by the bank to check whether there is the possibility of money laundering. Note that not only the large amount will be included in the key monitoring, but also the objects with more collections in one year. Not all large transactions will be monitored.