又到外贸回款季！当心“问题货款”与“多付款退回”骗局

Core Viewpoint - The article highlights the increasing risk of foreign trade enterprises falling into money laundering traps, particularly during the peak season for payment collection, emphasizing the need for vigilance and proper transaction verification to avoid legal repercussions [1][2]. Group 1: Types of Scams - There are two main types of scams affecting foreign trade enterprises: 1. Passive involvement in money laundering, where payments are made through informal channels, potentially leading to judicial account freezes and legal liabilities [2]. 2. The "overpayment refund" scam, where fraudsters impersonate overseas buyers, overpay for goods, and request refunds to third-party accounts, effectively using the enterprise's account for money laundering [2][3]. Group 2: Legal Risks - Foreign trade enterprises may unknowingly become accomplices in money laundering, facing risks such as asset freezing, confiscation, and potential criminal charges if they fail to verify the legality of fund sources [1][2]. - Even if criminal charges are not pursued, funds may still be frozen by law enforcement, leading to significant operational challenges for the business [1]. Group 3: Prevention Measures - Key prevention strategies include: 1. Isolating payment risks by using dedicated accounts for business transactions to avoid operational disruptions from account freezes [4]. 2. Standardizing transaction processes by maintaining comprehensive documentation, including contracts, shipping records, and invoices, to validate transaction authenticity [4]. 3. Conducting thorough due diligence on payment sources, especially when third parties are involved, and verifying their legitimacy before proceeding with shipments [4][5].