How much is the safest amount for local investors to withdraw from the exchange each time?
It mainly depends on the following factors:
1. Law and compliance
•Monitoring of single large transfers in personal accounts:
According to the bank's anti-money laundering and large transaction reporting regulations, a single or daily cumulative transfer of RMB 50,000 (cash) or RMB 200,000 (transfer) in a personal account will be automatically reported by the bank system.
•Foreign exchange restrictions:
If the withdrawal involves foreign currency, each person has a foreign exchange purchase quota of US$50,000 per year, and the excess requires special application.
2. Bank risk control
•Frequency and amount:
The withdrawal amount should not be too large and frequent. For example, a single transfer of less than 100,000 yuan rarely attracts the attention of the bank.
•Fast in and out risk:
If the funds enter the account and are quickly transferred out within a short period of time, it may trigger the bank's risk control mechanism.
3. Selection of U merchants and exchanges
•Choose a trusted U merchant:
Avoid trading with U merchants whose sources of funds are unknown. It is recommended to withdraw cash in multiple times, with a single amount of less than 50,000 yuan, which can effectively reduce the risk of being marked by bank risk control.
•Exchange restrictions:
Some exchanges may set limits on the amount and frequency of withdrawals, and the specific amount depends on the exchange rules and your account authentication level.
4. Practical operation suggestions
1) Amount dispersion:
It is recommended to control the single withdrawal amount between RMB 10,000 and 50,000 and withdraw it in multiple times.
2) Withdrawal interval:
Maintain the withdrawal time interval to avoid multiple large amounts of funds entering the same account in a short period of time.
3) Fund sedimentation:
Keep some funds in the account for a period of time to avoid "quick in and fast out" triggering risk control.
4) Use multiple accounts:
If large, disperse across multiple accounts.