国家面临的洗钱风险评估:方法设计与风险计量

发布时间：2019-03-16 14:34

【摘要】：国家面临的洗钱风险评估对提高一个国家反洗钱资源配置效率和反洗钱有效性具有重要意义,但国内外这方面的研究文献却极为匮乏。本文在梳理现有研究的基础上从三个方面进行研究以求突破:一是以《FATF新40条建议》以及IMF、世界银行的洗钱风险评估方法为基础,以预防和打击洗钱行为为主线,构建一个用威胁和漏洞来描述的洗钱风险评估基本框架,并分解为非法所得清洗威胁、金融监测漏洞、调查漏洞、起诉漏洞和判决漏洞。二是结合FATF的有效性评估指标和本文建立的评估框架,对欧洲安全合作组织探索的反洗钱数据统计指标进行分析归类,创新建立洗钱风险评估指标体系,提出"威胁乘以漏洞"的国家洗钱风险评估计算公式。三是以中国官方披露数据为基础,实证分析制约我国反洗钱工作成效的瓶颈问题,并提出提升反洗钱有效性的政策建议,以期为评估国家洗钱风险、提高反洗钱效果、防范洗钱行为提供重要参考。
[Abstract]:The risk assessment of money-laundering faced by a country is of great significance to improve the efficiency of resource allocation and effectiveness of anti-money-laundering in a country, but the research literature in this area at home and abroad is extremely scarce. On the basis of combing the existing research, this paper makes a breakthrough from three aspects: first, on the basis of the New 40 recommendations of FATF and the risk assessment method of money laundering of the IMF, World Bank, the main line is to prevent and combat money laundering. A basic framework for risk assessment of money laundering described by threats and vulnerabilities is constructed and decomposed into illegal laundering threats financial monitoring loopholes investigation loopholes prosecution loopholes and adjudication loopholes. Second, combining the effectiveness evaluation index of FATF and the evaluation framework established in this paper, this paper analyzes and classifies the statistical indicators of anti-money laundering data explored by the Organization for Security Cooperation in Europe, and innovates to establish the index system of money laundering risk assessment. This paper puts forward a national money laundering risk assessment formula of "threat multiplied by loophole". Third, based on China's official disclosure data, this paper empirically analyzes the bottleneck problems restricting the effectiveness of anti-money-laundering work in China, and puts forward some policy recommendations to improve the effectiveness of anti-money-laundering, with a view to assessing the risk of national money-laundering and improving the effectiveness of anti-money-laundering. Prevention of money laundering provides an important reference.
【作者单位】：陕西师范大学国际商学院;中国人民银行;中国人民银行西安分行;
【基金】：国家社会科学基金项目(14BJY192)资助课题
【分类号】：F831.2;D912.28

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