跨境巨头洗钱案警示：40亿级大卖爆雷背后的卖家资金安全风险
近日，杭州跨境电商巨头"全麦"因涉嫌巨额洗钱被查，涉案金额高达5000多万元。这起案件不仅震惊了整个跨境电商行业，更给广大卖家敲响了资金安全的警钟。
The recent money laundering case involving Hangzhou cross-border e-commerce giant "Quanmai", with involved funds exceeding 50 million RMB, has shocked the industry and sounded an alarm for sellers regarding fund security.
一、40亿级大卖的崛起与陨落
1. The Rise and Fall of a 4 Billion USD Giant
全麦电子商务有限公司曾是跨境电商行业的头部企业，2018年获得7.8亿元融资，估值超过40亿元。公司产品销往全球200多个国家和地区，在浙江省电子商务跨境企业排名中仅次于阿里巴巴。
Quanmai E-commerce Co., Ltd. was once a leading cross-border e-commerce company that received 780 million RMB in financing in 2018, with a valuation exceeding 4 billion RMB. Its products were sold in over 200 countries and regions worldwide, ranking second only to Alibaba in Zhejiang Province's cross-border e-commerce rankings.
二、洗钱案背后的运作模式
2. The Money Laundering Operation Model
调查显示，全麦通过虚构进口贸易、重复使用合同和发票等方式，以"预付货款"名义对外支付3967.70万美元，造成大额外汇资金非法流出。公司还涉嫌为境外诈骗集团洗钱，累计洗钱100余次。
Investigations revealed that Quanmai fabricated import trades and reused contracts and invoices to make payments under the guise of "advance payments", resulting in illegal outflows of 39.677 million USD in foreign exchange. The company is also suspected of laundering money for overseas fraud groups, with over 100 money laundering transactions.
三、90%卖家都在犯的致命错误
3. The Fatal Mistake Made by 90% of Sellers
专家指出，90%以上的跨境卖家存在以下高风险行为：
Experts point out that over 90% of cross-border sellers engage in the following high-risk behaviors:
- 通过第三方收款工具的直付功能将款项直接支付给供应商
- Using third-party payment tools' direct payment function to pay suppliers directly
- 不了解资金最终流向，可能涉及地下钱庄
- Not understanding the final flow of funds, which may involve underground banks
- 为节省1%左右的汇率差而选择非正规渠道
- Choosing irregular channels to save about 1% in exchange rate differences
四、给卖家的资金安全建议
4. Fund Security Recommendations for Sellers
为确保资金安全，卖家应采取以下措施：
To ensure fund security, sellers should take the following measures:
- 选择正规的收款渠道，接受国内外监管
- Choose formal payment channels that are regulated domestically and internationally
- 避免使用第三方直付功能，亲自操作资金流转
- Avoid using third-party direct payment functions and handle fund transfers personally
- 严格保管企业营业执照、银行账户等信息
- Strictly safeguard business licenses, bank account information, etc.
- 定期审查资金流向，确保合规性
- Regularly review fund flows to ensure compliance
重要提示：一旦涉及洗钱，可能面临5年内暂停所有非柜面银行业务、支付账户业务的严厉处罚。
Important Note: Involvement in money laundering may result in severe penalties including suspension of all non-counter banking services and payment account services for up to 5 years.
这起案件警示我们：在跨境电商业务中，资金安全与合规经营同样重要。卖家应提高风险意识，选择正规渠道，避免因小失大。
This case serves as a warning: in cross-border e-commerce, fund security is as important as compliant operations. Sellers should enhance risk awareness, choose formal channels, and avoid major losses for minor gains.
