Paying taxes by using POS machines to pay taxes should be highly valued

In order to facilitate taxpayers to pay taxes and improve warehousing efficiency and safety performance, this year, the local taxation department of Xiangxi Autonomous Prefecture has implemented tax POS machine card settlement in various taxation service offices. This method not only facilitates the tax transfer of taxpayers, but also improves the security of tax collection by the tax authorities. However, judging from the current operation of the POS machine, there is also a big hidden danger in the payment of taxes by the credit card. The problem of cash card cashing should be highly valued.

At present, while we are providing convenience to taxpayers, potential risks have emerged. Taking the local taxation bureau of Longshan County where the author is located as an example, since the opening of the POS machine on May 24, a total of 10 POS machines have been installed, including 7 county tax offices, 2 rural branches, and 1 county tax center window. . After running for two months, 1156 successful transactions were made, and the total amount of tax payment was 5,302,600 yuan. In the investigation, we found that most of the taxpayers use their own bank cards to pay taxes, and there are also the phenomenon that the levy personnel use their own credit cards to pay taxes on behalf of taxpayers and collect cash for internal cadres, but there is no It was found that the use of credit card tax payment to seek illegitimate interests.

Possible problems in cashing out In the process of promoting POS machine card payment, the tax authorities found a way to use the credit card of other people's credit card to pay taxes, which will inevitably affect the promotion and promotion, and deviate from the promotion of POS machine card payment. Original intention.

Not conducive to the promotion of electronic tax payment:

Can not afford to check the ticket: the credit card payment process involves the card-sweeper and the taxpayer. The name of the cardholder recorded in the computer ticket at the time of card settlement is different from the taxpayer’s name recorded on the tax-deposited certificate. The logic of holding a card to pay taxes will inevitably lead to the inspection of the original bill.

Violation of the law: On December 16, 2009, the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Application of Laws in Handling Criminal Cases of Credit Card Management Begins to Be Implemented, Formally Using POS Machines and Other Methods to Carry Out Serious Credit Card Cases Act, conviction and punishment for illegal business operations. The "Explanation" clearly stipulates that the use of POS machines to pay cash directly to credit card holders by means of fictitious transactions, etc., the amount of more than 1 million yuan constitutes an illegal business operation, and the amount of more than 5 million yuan is "the circumstances are particularly serious" More than five years in prison. The "interpretation" defines the current POS machine that can only be defined as a violation as illegal, and the corresponding punishment is more severe.

Malicious overdrafts will cause social instability: for some cardholders, the current credit card set also poses great risks. On the surface, the cardholder obtains cash by cashing, reducing interest expenses, but in essence, the cardholder must pay back after all. If the cardholder cannot repay the loan on time, he must bear more than the overdraft interest. Overdue repayment interest. As mentioned above, the cash-out target is “card-funding” and the use of credit loan financiers, the risk of capital chain breakage is most likely to occur. Once the capital chain breaks, it may bear the legal risk of personal credit deficiency.

Suggestions on solving the problem of using the POS machine to pay the tax payment

Increase the illegality of swiping cards: In the course of the investigation, many cadres think that the problem of investigating cash is a "small problem". The use of POS machines to pay for tax payment is at most a violation of the bank's regulations, and the cash that is set out will be repaid as scheduled. no problem. Therefore, the taxation department must pay great attention to it, make publicity to the broad masses of cadres, explain the latest legal provisions, and deeply understand the illegality and harmfulness of card-swapping.

Increase internal supervision: On the one hand, we must formulate a standard system and improve the execution of the system. Through the system construction, it is strictly forbidden for the internal staff of the tax system to cash in, and it is strictly forbidden for the tax collector to use the tax POS machine to clear the card for the taxpayer or other personnel to cash out, otherwise the economic losses caused by the unit will be swiped by the implementation. The settled tax collector shall bear the responsibility, and the unit shall be given administrative treatment according to the circumstances. On the one hand, it is necessary to regulate the card settlement behavior of tax collectors. The tax collector is the user of the POS machine and the first responsible person. This requires the tax collector to carefully check the taxpayer's signature on the back of the bank card and the taxpayer's sign when the tax POS card is used for card settlement. The names on the tickets are the same. If they are inconsistent, the tax collector should refuse to check the card. When the tax collectors perform the card swiping, they must ask the customer to sign and confirm on the “customer receipt form”. On the one hand, regular inspections are required. The inspector can check the receipt of the customer's receipt of the tax settlement by the tax POS machine, and call the taxpayer's card settlement by random inspection. At the same time, the local tax department should properly keep the small amount of the customer's receipt of the tax in case of emergency.

Increase technical protection: At present, there have been POS machines in the field where the card settlement only identifies the savings card without identifying the credit card, which can effectively prevent the occurrence of cash out problems. The local taxation department should strengthen contact with relevant departments such as banks, increase technical prevention, improve POS machines, and allow credit card payment to be valid only for savings cards. The cashing problem can be fundamentally solved.

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