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'{fenzhan}私户收款被预警？财务代理教你安全分账'

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'企业通过私户收款避税曾屡见不鲜，但随着“金税四期”大数据监管升级，私户异常交易已成为税务稽查重点。若企业无法合理解释私户资金往来，将面临补税、罚款甚至刑事责任。作为财税服务机构，我们为企业提供以下安全分账方案。一、私户收款为何触发预警？</h3>​​税务稽查逻辑​​：​​资金流异常​​：私户单笔/累计收款超5万元，或当年累计收款超20万元，银行自动上报央行反洗钱系统。​​业务证据链缺失​​：私户收'

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'58lecaihui'

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'/index.php?s=fenzhan&c=show&id=4095'

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'183.134.152.15-55002'

'2025-04-14 15:57:02'

'2025-04-14 15:57:02'

'0'

'<p style="margin-top: 8px; margin-bottom: 12px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: 1.75; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; color: rgba(0, 0, 0, 0.9);">企业通过私户收款避税曾屡见不鲜，但随着“金税四期”大数据监管升级，私户异常交易已成为税务稽查重点。若企业无法合理解释私户资金往来，将面临补税、罚款甚至刑事责任。作为财税服务机构，我们为企业提供以下安全分账方案。</p><hr style="background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; margin-top: 24px; margin-bottom: 24px; border-top-color: rgba(0, 0, 0, 0.08); color: rgba(0, 0, 0, 0.9); font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-size: 16px;"><h3 style="margin: 16px 0px 8px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 20px; line-height: 32px; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">一、私户收款为何触发预警？</h3><p style="margin-top: 8px; margin-bottom: 8px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: 1.75; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; color: rgba(0, 0, 0, 0.9);">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​税务稽查逻辑​</span>​：</p><ol style="margin: 8px 0px 16px 16px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; list-style-position: initial; list-style-image: initial; color: rgba(0, 0, 0, 0.9);"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​资金流异常​</span>​：私户单笔/累计收款超5万元，或当年累计收款超20万元，银行自动上报央行反洗钱系统。</li><li style="margin: 4px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​业务证据链缺失​</span>​：私户收款未对应开票、无合同或物流凭证，被税局认定为“隐匿收入”。</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​关联比对告警​</span>​：私户资金用于购房、投资等，但企业所得税申报中未见对应利润，触发预警。</li></ol><p style="margin-top: 8px; margin-bottom: 12px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: 1.75; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; color: rgba(0, 0, 0, 0.9);">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​典型案例​</span>​：<br data-filtered="filtered">某零售企业通过法人私户收取货款120万元，因未申报收入被税局查处，最终补缴增值税13%+企业所得税25%+滞纳金，合计损失超50万元。</p><hr style="background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; margin-top: 24px; margin-bottom: 24px; border-top-color: rgba(0, 0, 0, 0.08); color: rgba(0, 0, 0, 0.9); font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-size: 16px;"><h3 style="margin: 16px 0px 8px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 20px; line-height: 32px; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">二、3种高风险私户收款场景及破解方案</h3><h4 style="margin: 16px 0px 8px; padding: 0px; font-size: 14px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; line-height: 1.5; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">场景1：股东/员工私户收货款</h4><ul style="margin: 8px 0px 16px 16px; padding: 0px; list-style: none; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9);"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​风险​</span>​：被视为企业账外收入，股东需补缴个人所得税（20%-35%）。</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​合规方案​</span>​：<ol style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; list-style-position: initial; list-style-image: initial;"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">将私户货款原路退回，由客户重新支付至公户；</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">若已无法退回，签订《借款协议》计入“其他应付款”，分3年逐步转入公户消化。</li></ol></li></ul><h4 style="margin: 16px 0px 8px; padding: 0px; font-size: 14px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; line-height: 1.5; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">场景2：私户发工资/佣金</h4><ul style="margin: 8px 0px 16px 16px; padding: 0px; list-style: none; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9);"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​风险​</span>​：未代扣个税，企业面临应扣未扣税款0.5-3倍罚款。</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​合规方案​</span>​：<ol style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; list-style-position: initial; list-style-image: initial;"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">补报个人所得税，按“工资薪金”或“劳务报酬”分类申报；</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">改用公户发放，超过5000元部分正常代扣个税。</li></ol></li></ul><h4 style="margin: 16px 0px 8px; padding: 0px; font-size: 14px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; line-height: 1.5; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">场景3：私户支付采购款</h4><ul style="margin: 8px 0px 16px 16px; padding: 0px; list-style: none; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9);"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​风险​</span>​：无发票的支出不得税前扣除，虚增利润导致多缴25%企业所得税。</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​合规方案​</span>​：<ol style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; list-style-position: initial; list-style-image: initial;"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">向供应商追讨发票，无法补开发票的，凭合同+转账记录申请税前扣除（限500元以下/次）；</li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">注销私户采购专用卡，统一改用公户支付并索取发票。</li></ol></li></ul><hr style="background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; margin-top: 24px; margin-bottom: 24px; border-top-color: rgba(0, 0, 0, 0.08); color: rgba(0, 0, 0, 0.9); font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-size: 16px;"><h3 style="margin: 16px 0px 8px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 20px; line-height: 32px; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">三、安全分账的4个标准化动作</h3><ol style="margin: 8px 0px 16px 16px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; 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font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; display: inline;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​公私账彻底分离​</span>​</p><ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">公户用于所有经营性收支，私户仅用于个人消费（单日转账不超过5万元）。</li></ul></li><li style="margin: 4px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-stretch: inherit; line-height: 1.75; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; display: inline;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​备用金规范提取​</span>​</p><ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">股东或员工凭单据申请备用金（单个账户累计不超过5万元），30日内核销。</li></ul></li><li style="margin: 4px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-stretch: inherit; line-height: 1.75; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; display: inline;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​多账户分级管理​</span>​</p><ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">设立​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​收入专户​</span>​（仅收款）、​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​支出专户​</span>​（仅付款）、​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​税款专户​</span>​，阻断公私账混用。</li></ul></li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-stretch: inherit; line-height: 1.75; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; display: inline;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​证据链同步留存​</span>​</p><ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">私户资金往来需附《情况说明》（如“股东借款”），与合同、凭证一并存档备查。</li></ul></li></ol><hr style="background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; margin-top: 24px; margin-bottom: 24px; border-top-color: rgba(0, 0, 0, 0.08); color: rgba(0, 0, 0, 0.9); font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-size: 16px;"><h3 style="margin: 16px 0px 8px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 20px; line-height: 32px; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; color: rgba(0, 0, 0, 0.9); font-weight: 600 !important;">四、专业财务代理的核心作用</h3><ol style="margin: 8px 0px 16px 16px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; list-style-position: initial; list-style-image: initial; color: rgba(0, 0, 0, 0.9);"><li style="margin: 0px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​预警系统监控​</span>​：<ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">分析企业公私账户流水，提前识别“同一日多笔小额拆借”“频繁大额整数转账”等高危行为。</li></ul></li><li style="margin: 4px 0px 4px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​分账方案设计​</span>​：<ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">针对个体户、合伙企业等主体，定制“法人工资+年终分红”的薪资结构，降低个税税负。</li></ul></li><li style="margin: 4px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​稽查应对支持​</span>​：<ul style="margin-top: 4px; margin-right: 0px; margin-left: 16px; padding: 0px; list-style: disc; border: 0px; font: inherit; vertical-align: baseline;"><li style="margin: 0px 0px 0px 4px; padding: 0px; list-style: none; border: 0px; font: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word;">提供《私户资金合理性说明》、银行流水盖章文件等举证材料，协助应对约谈。</li></ul></li></ol><hr style="background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; margin-top: 24px; margin-bottom: 24px; border-top-color: rgba(0, 0, 0, 0.08); color: rgba(0, 0, 0, 0.9); font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-size: 16px;"><p style="margin-top: 8px; margin-bottom: 12px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-alternates: inherit; font-variant-position: inherit; font-variant-emoji: inherit; font-stretch: inherit; font-size: 16px; line-height: 1.75; font-family: &quot;PingFang SC&quot;, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Ubuntu, &quot;Helvetica Neue&quot;, Helvetica, Arial, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, &quot;Source Han Sans CN&quot;, sans-serif; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; color: rgba(0, 0, 0, 0.9);">​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​结语​</span>​<br data-filtered="filtered">私户收款合规化并非简单“杜绝使用”，而是通过分账户管理、证据链完善实现风险可控。建议企业每季度开展​<span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: 600; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-optical-sizing: inherit; font-size-adjust: inherit; font-kerning: inherit; font-feature-settings: inherit; font-variation-settings: inherit; vertical-align: baseline;">​资金流水自查​</span>​，必要时委托专业机构进行合规改造。如需获取《公私账分账操作手册》或咨询整改方案，可联系我们的风控团队。</p>'

'1744617422'

'1744617422'

''

''

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  'title' => '{fenzhan}建筑行业挂靠账务处理：工程款分账代理方案',
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  'description' => '社保全面划归税务征收后，企业工资结构与社保基数关联性更强，传统“拆分工资”“现金发薪”等操作面临更高稽查风险。如何在合规前提下优化用工成本？我们通过代理服务经验总结出3步解决方案。一、工资结构重组：合法降低社保基数</h3>​​政策依据​​：社保基数按员工上年度月平均工资确定（不得低于当地最低基数）。​​操作方案​​：​​拆分“工资+福利”​​将工资拆分为基本工资（按最低基数缴纳社保）+ 绩效奖金',
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'崇左私户收款被预警？财务代理教你安全分账_【乐财汇】'

''

'企业通过私户收款避税曾屡见不鲜，但随着“金税四期”大数据监管升级，私户异常交易已成为税务稽查重点。若企业无法合理解释私户资金往来，将面临补税、罚款甚至刑事责任。作为财税服务机构，我们为企业提供以下安全分账方案。一、私户收款为何触发预警？​​税务稽查逻辑​​：​​资金流异常​​：私户单笔/累计收款超5万元，或当年累计收款超20万元，银行自动上报央行反洗钱系统。​​业务证据链缺失​​：私户收'

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    array (
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    'template' => 
    array (
      'pagesize' => '20',
      'mpagesize' => '20',
      'page' => '',
      'list' => 'list.html',
      'category' => 'category.html',
      'search' => 'search.html',
      'show' => 'show.html',
    ),
    'cat_field' => NULL,
    'module_field' => NULL,
    'html' => 1,
    'urlrule' => 0,
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  'displayorder' => '0',
  'tid' => '1',
  'content' => '',
  'mid' => 'fenzhan',
  'pcatpost' => 0,
  'topid' => '5',
  'catids' => 
  array (
    0 => '5',
    1 => '31',
    2 => '32',
    3 => '33',
    4 => '34',
    5 => '35',
    6 => '36',
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  'is_post' => 0,
  'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=5',
  'total' => '请使用count标签查询',
  'field' => 
  array (
  ),
)

1

array (
  'catid' => '33',
)

array (
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  'pid' => '0',
  'pids' => '0',
  'name' => '财务百科',
  'dirname' => 'caiwubaike',
  'pdirname' => '',
  'child' => 1,
  'disabled' => '0',
  'ismain' => 1,
  'childids' => '5,31,32,33,34,35,36',
  'thumb' => '',
  'show' => '1',
  'setting' => 
  array (
    'disabled' => '0',
    'linkurl' => '',
    'getchild' => '0',
    'notedit' => '0',
    'seo' => 
    array (
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    'template' => 
    array (
      'pagesize' => '20',
      'mpagesize' => '20',
      'page' => '',
      'list' => 'list.html',
      'category' => 'category.html',
      'search' => 'search.html',
      'show' => 'show.html',
    ),
    'cat_field' => NULL,
    'module_field' => NULL,
    'html' => 1,
    'urlrule' => 0,
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  'displayorder' => '0',
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    5 => '35',
    6 => '36',
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  'is_post' => 0,
  'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=5',
  'total' => '请使用count标签查询',
  'field' => 
  array (
  ),
)

array (
  31 => 
  array (
    'id' => '31',
    'pid' => '5',
    'pids' => '0,5',
    'name' => '公司注册',
    'dirname' => 'gongsizhuce',
    'pdirname' => 'caiwubaike/',
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    'disabled' => '0',
    'ismain' => 1,
    'childids' => 31,
    'thumb' => '',
    'show' => '1',
    'setting' => 
    array (
      'disabled' => '0',
      'linkurl' => '',
      'getchild' => '0',
      'notedit' => '0',
      'seo' => 
      array (
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      'template' => 
      array (
        'pagesize' => '20',
        'mpagesize' => '20',
        'page' => '',
        'list' => 'list.html',
        'category' => 'category.html',
        'search' => 'search.html',
        'show' => 'show.html',
      ),
      'cat_field' => NULL,
      'module_field' => NULL,
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      'urlrule' => 0,
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    'displayorder' => '0',
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    'catids' => 
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    ),
    'is_post' => 1,
    'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=31',
    'total' => '请使用count标签查询',
    'field' => 
    array (
    ),
  ),
  32 => 
  array (
    'id' => '32',
    'pid' => '5',
    'pids' => '0,5',
    'name' => '记账报税',
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    'pdirname' => 'caiwubaike/',
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    'childids' => 32,
    'thumb' => '',
    'show' => '1',
    'setting' => 
    array (
      'disabled' => '0',
      'linkurl' => '',
      'getchild' => '0',
      'notedit' => '0',
      'seo' => 
      array (
      ),
      'template' => 
      array (
        'pagesize' => '20',
        'mpagesize' => '20',
        'page' => '',
        'list' => 'list.html',
        'category' => 'category.html',
        'search' => 'search.html',
        'show' => 'show.html',
      ),
      'cat_field' => NULL,
      'module_field' => NULL,
      'html' => 1,
      'urlrule' => 0,
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    'displayorder' => '0',
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    'mid' => 'fenzhan',
    'pcatpost' => 0,
    'topid' => '5',
    'catids' => 
    array (
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    ),
    'is_post' => 1,
    'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=32',
    'total' => '请使用count标签查询',
    'field' => 
    array (
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  ),
  33 => 
  array (
    'id' => '33',
    'pid' => '5',
    'pids' => '0,5',
    'name' => '财务代理',
    'dirname' => 'caiwudaili',
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    'childids' => 33,
    'thumb' => '',
    'show' => '1',
    'setting' => 
    array (
      'disabled' => '0',
      'linkurl' => '',
      'getchild' => '0',
      'notedit' => '0',
      'seo' => 
      array (
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      'template' => 
      array (
        'pagesize' => '20',
        'mpagesize' => '20',
        'page' => '',
        'list' => 'list.html',
        'category' => 'category.html',
        'search' => 'search.html',
        'show' => 'show.html',
      ),
      'cat_field' => NULL,
      'module_field' => NULL,
      'html' => 1,
      'urlrule' => 0,
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    'displayorder' => '0',
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    'catids' => 
    array (
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    'is_post' => 1,
    'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=33',
    'total' => '请使用count标签查询',
    'field' => 
    array (
    ),
  ),
  34 => 
  array (
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    'pids' => '0,5',
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    'childids' => 34,
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    'show' => '1',
    'setting' => 
    array (
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      'linkurl' => '',
      'getchild' => '0',
      'notedit' => '0',
      'seo' => 
      array (
      ),
      'template' => 
      array (
        'pagesize' => '20',
        'mpagesize' => '20',
        'page' => '',
        'list' => 'list.html',
        'category' => 'category.html',
        'search' => 'search.html',
        'show' => 'show.html',
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      'html' => 1,
      'urlrule' => 0,
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    'displayorder' => '0',
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    array (
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    ),
    'is_post' => 1,
    'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=34',
    'total' => '请使用count标签查询',
    'field' => 
    array (
    ),
  ),
  35 => 
  array (
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    'childids' => 35,
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    array (
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      'linkurl' => '',
      'getchild' => '0',
      'notedit' => '0',
      'seo' => 
      array (
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      'template' => 
      array (
        'pagesize' => '20',
        'mpagesize' => '20',
        'page' => '',
        'list' => 'list.html',
        'category' => 'category.html',
        'search' => 'search.html',
        'show' => 'show.html',
      ),
      'cat_field' => NULL,
      'module_field' => NULL,
      'html' => 1,
      'urlrule' => 0,
    ),
    'displayorder' => '0',
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    'catids' => 
    array (
      0 => '35',
    ),
    'is_post' => 1,
    'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=35',
    'total' => '请使用count标签查询',
    'field' => 
    array (
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  ),
  36 => 
  array (
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    array (
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      'linkurl' => '',
      'getchild' => '0',
      'notedit' => '0',
      'seo' => 
      array (
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      'template' => 
      array (
        'pagesize' => '20',
        'mpagesize' => '20',
        'page' => '',
        'list' => 'list.html',
        'category' => 'category.html',
        'search' => 'search.html',
        'show' => 'show.html',
      ),
      'cat_field' => NULL,
      'module_field' => NULL,
      'html' => 1,
      'urlrule' => 0,
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    'displayorder' => '0',
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    'mid' => 'fenzhan',
    'pcatpost' => 0,
    'topid' => '5',
    'catids' => 
    array (
      0 => '36',
    ),
    'is_post' => 1,
    'url' => 'http://www.58lecaihui.com/index.php?s=fenzhan&c=category&id=36',
    'total' => '请使用count标签查询',
    'field' => 
    array (
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)

'/index.php?s=fenzhan&c=show&id=4095&page=[page]'

''

'http://chongzuo.58lecaihui.com/index.php?c=show&id=4095'

array (
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  'id' => '4095',
  's' => 'fenzhan',
)