谷歌广告推广真的有效吗？40亿级跨境电商洗钱案深度解析
跨境电商巨头爆雷！90%卖家都在犯这个致命错误？
Cross-border e-commerce giant collapses! Are 90% of sellers making this fatal mistake?
近日，杭州跨境电商龙头企业"全麦"因涉嫌巨额洗钱（涉案5000多万元）被警方查处。这起案件背后隐藏着跨境电商行业的哪些风险？
Recently, Hangzhou cross-border e-commerce leader "Quanmai" was investigated by police for suspected large-scale money laundering (involving over 50 million yuan). What risks does this case reveal in the cross-border e-commerce industry?
40亿估值大卖的陨落
The fall of a $4B valuation giant
2018年6月，全麦获得上市公司7.8亿元融资，估值超过40亿元，被誉为"跨境电商史上最大融资"。其子公司曾被评为浙江电商综合10强企业第7名，仅次于阿里巴巴。
In June 2018, Quanmai received 780 million yuan in financing from a listed company, with a valuation exceeding 4 billion yuan, hailed as the "largest financing in cross-border e-commerce history". Its subsidiary was ranked 7th among Zhejiang's top 10 e-commerce companies, second only to Alibaba.
洗钱案早有预兆
Warning signs of money laundering case
天眼查数据显示：
- 2017年10月，全麦因虚构进口贸易被外汇管理局罚款1000万元
- 2021年5月，该案已被浙江省公安厅作为典型案例公布
Tianyancha data shows:
- October 2017: Quanmai fined 10 million yuan by SAFE for fabricated import trades
- May 2021: The case was published as typical example by Zhejiang Police Department
90%卖家忽视的资金安全风险
Fund security risks ignored by 90% of sellers
跨境电商财税专家警告：
大多数卖家喜欢通过第三方支付直接付款给供应商，这种方式存在严重安全隐患。建议：
1. 避免使用第三方直付功能
2. 资金先转入国内备付金账户
3. 再由财务人员分发给供应商
Cross-border tax experts warn:
Most sellers prefer direct payment to suppliers through third-party payment, which poses serious security risks. Recommendations:
1. Avoid using direct payment function
2. Transfer funds to domestic reserve account first
3. Then distribute to suppliers by financial staff
合规经营才是长久之道
Compliance is the sustainable path
一旦涉及洗钱，将面临：
• 5年内暂停所有非柜面银行业务
• 禁止使用第三方支付
• 新开户将面临严格审核
If involved in money laundering, you will face:
• Suspension of all non-counter banking services for 5 years
• Prohibition of using third-party payment
• Strict review for new accounts
跨境电商卖家应选择：
✓ 正规收款渠道
✓ 接受多国监管的支付机构
✓ 资金流向透明的服务商
Cross-border sellers should choose:
✓ Formal collection channels
✓ Payment institutions regulated by multiple countries
✓ Service providers with transparent fund flows
