电诈洗钱手段升级：商家货款成“赃款”，账户变“一级涉案卡”，“钱货两空”该谁买单？

Core Viewpoint - The article highlights the challenges faced by legitimate businesses and individuals who unknowingly receive funds linked to fraud, resulting in their bank accounts being frozen and funds being seized, disrupting their operations and daily lives [1][2][3]. Group 1: Impact on Businesses - Multiple merchants in industries such as food, electronics, and jewelry report that their bank accounts were frozen after receiving payments deemed as fraud-related by law enforcement [1][2]. - Business owners express confusion and frustration over being labeled as accomplices in fraud despite conducting normal transactions [2][3]. - The legal process for these businesses to prove their innocence and reclaim their funds is complicated and varies by region, leading to prolonged disputes [2][24]. Group 2: Case Studies - A grain factory owner, after completing a sale, found his account frozen due to a payment linked to a fraud case, resulting in significant operational disruptions [4][5]. - An individual selling a phone faced a similar situation where his account was frozen after a transaction, leading to a lengthy battle to prove he was unaware of the fraudulent nature of the funds [6][9]. - Another seller of gold jewelry experienced his funds being seized after a transaction, despite having followed proper procedures and providing evidence of the sale [16][17]. Group 3: Legal and Procedural Challenges - The legal framework requires businesses to demonstrate "good faith acquisition" of funds, which is difficult to prove in practice due to varying standards and enforcement practices across regions [2][24][26]. - The process of recovering funds is often hindered by law enforcement's focus on recovering stolen assets rather than protecting the rights of innocent parties [24][25]. - Experts suggest that the current system lacks clear guidelines for recognizing "good faith acquisition," leading to inconsistent outcomes for similar cases [24][26]. Group 4: Recommendations and Solutions - Experts recommend that businesses maintain thorough documentation of transactions, including contracts and communication, to support claims of good faith [30]. - There is a call for more standardized procedures and regulations to protect innocent parties while effectively combating fraud [28][29]. - The introduction of local regulations, such as those in Zhejiang Province, aims to clarify the treatment of funds received from legitimate transactions and expedite the release of frozen accounts [28][29].