Just now! Another enterprise planted in the “public to private” on! The owner of a trading company to facilitate the frequent use of the company's account to personal card transfers, without performing any declaration process, just one year “public to private” amounted to more than 8 million yuan, and ultimately was investigated and dealt with by the tax inspection department - 500,000 yuan in back taxes, a fine of 300,000 yuan, plus late fees of 120,000 yuan, a total loss of nearly a million! Plus late payment fees of 120,000 yuan, a total loss of nearly a million! More fatal is that the company's tax credit directly down to grade D, can not loan, can not participate in government procurement, orders lost one after another, almost on the verge of closure.

Many business owners have a misunderstanding: “the company's money is my money, want to transfer on the transfer” “public to private just walk a account, no one will check”. But in 2026 under the storm of the most stringent tax audit, “public to private” has long been the most important tax monitoring, Golden Tax IV through the bank, tax data, every public to private water are real-time monitoring, a little improper, will be early warning, be audited!

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Today this dry goods, not roundabout, not long-winded, directly dismantle the public to private fatal pits, real cases, the correct operation, as well as avoiding the pit guide, it is recommended that all business owners, financial collection + forwarding, do not because of a moment of carelessness, to pay a painful price!

First, poke the pain point: these “public to private” operation, 90% enterprises are stepping on the

Many business owners, financial think “public to private” as long as the water, there is no problem, but do not know that these operations, all the audit of the “key target”, see if you have not in:

• 💣 The boss arbitrarily transfers money: the company account money transferred to a personal card, used to buy a house, buy a car, daily consumption, do not declare, do not do the accounts, directly hanging “other receivables”, long-term non-clearance
• 💣 Concealment of income from public to private: after receiving the customer payment, first transferred to a personal card, and then transferred from the personal card to the company account, or not directly into the company account, in order to conceal income, tax evasion
• 💣 False salary/dividend public-to-private transfer: fabricated employee payroll, false dividend agreements, and “salary” and “dividends” paid through public-to-private transfer for other purposes without withholding personal taxes
• 💣 Unsupported public-to-private transfers: public-to-private transfers without any supporting documents, without notes on the purpose of the transfer, or with notes that do not correspond to the actual business (e.g., notes on “payment for goods” that are actually personal loans).
• 💣 Frequent operation of large-amount public-to-private transfers: multiple large-amount public-to-private transfers in a short period of time, with dispersed amounts and ambiguous uses, deliberately avoiding supervision and being given a second warning by the Golden Tax IV.

What is more terrible is that many enterprises until the audit, do not know where they are wrong - that “public to private” is just a small operation on the financial, but do not know has already touched the red line of taxation, light tax fines, or legal person to assume criminal liability!

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Second, the core of dry goods: 2026 public to private, the 6 correct operation (legal compliance, rest assured that the turn)

Attention! Not all public to private are illegal, as long as they meet the regulations, fulfill the corresponding process, public to private can be completely legal compliance. The following six common scenarios, with specific operational requirements, can be applied directly, no longer afraid of being checked:

(i) Dividends to shareholders (most common, mandatory process)

Operational requirements: The company pays the corporate income tax (25%) first and then makes dividends to shareholders, who must withhold and pay the personal income tax (20%) on behalf of the company when distributing the dividends, and the amount after tax can be transferred from public to private.

Example: the company's after-tax profit of 1 million yuan, shareholders dividends of 500,000 yuan, need to withhold personal tax 100,000 yuan (500,000 × 20%), the actual amount transferred to the shareholders' personal card of 400,000 yuan, retaining the dividend resolution, personal tax declaration vouchers for inspection.

(ii) Payment of employee salaries/bonuses

Operational requirements: according to the salary standard agreed in the labor contract, monthly payment, fulfillment of tax withholding obligations (5000 yuan starting point, excess progressive tax rate), public to private remarks “salary” “bonus”.

Note: Salary payments need to be matched with the base of social security and provident fund contributions to avoid misrepresentation of salary, overstatement and underpayment, or they will be found to be in violation of the law.

(iii) Individual loans (repayable and liquidated in a timely manner)

Operation Requirements: When a company borrows money from an individual (shareholder, employee or third party), it needs to sign a formal loan contract, specifying the amount of the loan, the term of the loan, the interest rate (no interest can be agreed upon), and make a note of “borrowing” when transferring the loan from public to private.

Key: the loan needs to be returned within 1 year, if it is overdue, the tax authority will regard it as a shareholder dividend and recover 20% personal tax; if it is an interest-free loan, it needs to be treated as a sale and pay VAT.

(iv) Payment of remuneration for personal services

Operation Requirements: The company hires individuals to provide labor services (e.g. design, consulting, part-time work), the company must obtain VAT invoices issued by the individuals on behalf of the company, and make a note of “compensation for labor services” when transferring from public to private, and withhold and pay personal tax (according to the tax rate of 20%-40% for compensation for labor services).

Note: For single labor compensation over $500, you must obtain an invoice; over $4,000, deduct the 20% fee before calculating your tax.

(v) Payment for personal goods/services (subject to real business)

Operation Requirements: The company purchases goods and pays service fees to individuals (e.g., individual businessmen, natural person suppliers), the company needs to obtain invoices issued by individuals on behalf of the company to ensure that the business is real, the four streams of the business are united (contracts, invoices, funds, and goods/services are the same), and the public-to-private transfer is noted with the corresponding purpose (e.g., “payment for goods”, “service fees”). Service fee").

(vi) Liquidation of enterprises and distribution of surplus property

Operation Requirements: When the company is canceled, after the liquidation is completed, the remaining property will be distributed to the shareholders, who have to pay the enterprise income tax and personal tax first, and keep the liquidation report and distribution resolution, and make a note of “liquidation and distribution” when transferring from public to private.

Addendum: There are 3 bottom lines that must be observed in public-to-private transfers (none of which can be avoided).

1. Real business: All public-to-private transfers must have a real business background, eliminating false transfers and hidden income;
2. Complete vouchers: Retain relevant vouchers such as contracts, invoices, loan agreements, dividend resolutions, etc. for inspection;
3. Declaration in accordance with the law: those involving personal tax and value-added tax must be declared on time and paid in full without tax evasion or omission.

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Third, real cases: more than one enterprise planted pit, these lessons are too profound!

Don't think that “occasional violation is fine”, 2026 under the storm of audit, public to private violation cases are frequent, each one is a blood lesson, wake up all enterprises:

Case 1 (at the beginning of this article): a trading company, the boss for convenience, within a year through the company account to personal card transfers of more than 8 million yuan, for personal consumption, repayment of personal debt, did not declare any tax, and did not retain any vouchers. During the tax audit, it was determined that the behavior belonged to “concealment of income, public-to-private violation”, and eventually recovered a total of 500,000 yuan of value-added tax, enterprise income tax, personal tax, 300,000 yuan of fines, and 120,000 yuan of late fees, a total loss of 920,000 yuan, and the company's tax credit was downgraded to D, on the verge of closure.

Case 2: A building materials company, through the false listing of employees' salaries, the company funds public to private to the boss and his family members personal card, the amount accumulated more than 5 million yuan, without withholding personal tax. After being audited, the company paid 380,000 RMB in back taxes and 200,000 RMB in fines. The boss was interviewed and the company was put on the tax key monitoring list, and will be specially audited in the following 3 years.

Case 3: A shareholder borrowed 600,000 yuan from the company for personal use to buy a house, which was overdue for one year and was not returned, and did not file a tax return. The tax authorities recognized as “deemed dividends”, recovery of tax 120,000 yuan (600,000 × 20%), a fine of 60,000 yuan, the shareholder's personal credit affected, unable to apply for bank loans.

These cases are not an exception, 2026 the first quarter, the country because of the public to private violations were investigated and dealt with more than 1,200 enterprises, fines totaling more than 500 million yuan. Remember: you can't touch the red line of public-to-private transfer! Compliance is the foundation of long-term business development.

What can I do? Help you standardize public-to-private transfers and avoid audit minefields

Many business owners, financial difficulties: public to private scenarios, mixed rules, do not know which operation is compliant, worried about improper operation is investigated; there have been violations of public to private behavior, do not know how to rectify, how to remedies, but also do not know how to establish a long-term normative mechanism.

Don't panic! We specialize in tax compliance, audit response for many years, deep plowing 2026 tax audit policy, for public-to-private compliance issues, to help you one-stop solution, the whole escort:

• ✅ Public-to-private compliance check: one-on-one combing of corporate public-to-private flows, identifying irregularities (e.g., unsupported transfers, hidden income, etc.), and issuing checking reports + rectification plans
• ✅ Compliance operation guidance: according to the actual scenarios of enterprises (dividends, loans, labor compensation, etc.), guidance on the correct public-to-private process, assistance in perfecting the vouchers and fulfilling the reporting obligations
• ✅ Remedy for violation: For the public-to-private transfer violation that has occurred, we will help you formulate a remedial plan to assist you in paying back taxes, organizing evidence, and striving for lighter penalties to reduce losses.
• ✅ Long-term compliance building: help enterprises establish a public-to-private management system, standardize the transfer process, voucher retention, tax declaration, to avoid public-to-private risks from the root.
• ✅ One-on-one policy consultation: real-time interpretation of the 2026 public-to-private transfer-related policies, to answer all kinds of questions, to avoid stepping on pits due to lack of understanding of the policy

We do not engage in “gray operation”, do not promise “tax avoidance”, only to do legal and compliant tax services, to help you clear the public to private boundary, not only to ensure the flexible use of corporate funds, but also to avoid tax penalties, to guard the enterprise's “! money bag”.

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2026 tax audit on the public to private monitoring more and more strict, early standardization, early peace of mind, delay a day, one more day the risk of violations!

Starting today, add our exclusive tax consultant to enjoy two exclusive benefits to help companies standardize public-to-private transfers and avoid audit minefields:

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What's more, now for our public-to-private compliance guidance, violation rectification services, you can enjoy exclusive concessions, the whole process by a professional team of one-on-one services, from the investigation and rectification to the long-term norms, a one-stop solution to get rid of the public-to-private tax anxiety!

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Reminder: the cost of public-to-private violations is far greater than the cost of compliance. Instead of taking a chance and taking risks, it is better to take the initiative to standardize the operation, so that professionals do professional things to help you guard the lifeline of your business!

Forward to the business owners and finances around you, together we can avoid the public-to-private pits and develop in a compliant and stable manner ❤️