网上银行反洗钱风险管理

发布时间：2019-03-07 09:09

【摘要】：随着网络通信技术的不断发展，作为金融衍生工具之一的网络支付工具开始逐渐成为网络洗钱的重要媒介。网络的繁荣促进了金融等相关产业的发展，但其隐蔽性、虚拟性、匿名性和跨国性等特点提供了全新的洗钱渠道，给洗钱犯罪分子提供了极大的便利，，使洗钱活动变得更加隐蔽和复杂，同时也给防范、控制和侦察洗钱犯罪带来了很多障碍。近年来，我国各家商业银行纷纷大力发展网上银行业务，呈现出井喷式的发展趋势。而随着信息技术的进步和产品的创新，网上银行业务不断完善，业务量持续增加，怎样在持续稳健的发展网上银行业务的同时，防范打击利用网上银行业务洗钱等非法犯罪行为，已成为广大金融机构迫切需要解决的问题。本文根据网上银行反洗钱风险的特点，运用风险管理理论，对网上银行反洗钱的风险进行研究。主要通过理论与实践相结合方法对网上银行反洗钱风险进行辨识，提出了对网上银行反洗钱风险具有建设性的风险防范对策，即在技术层面上制定了系统高可用性应急计划，建立完善的内部程序和技术防范措施，定期对科技信息进行评估；在业务层面上，建立网上银行反洗钱风险内部控制体系，明确责任，规避法律风险，制定危机管理对策，降低声誉风险。本文对网上银行反洗钱风险进行了全面的分析评价，提出具有建设性意义的风险防范对策，以期增强网上银行反洗钱风险管理能力，使其风险管理水平提升到一个新的高度。通过深入研究网上银行反洗钱风险管理的问题，对于促进我国商业银行完善网上银行反洗钱风险管理体系有一定的借鉴意义。
[Abstract]:With the development of network communication technology, the network payment instrument, which is one of the financial derivatives, is becoming an important medium of network money laundering. The prosperity of the network has promoted the development of the related industries such as finance, but it provides a brand-new money-laundering channel, such as the concealment, the virtual nature, the anonymity and the transnational nature, and provides great convenience to the money-laundering criminals, so that the money-laundering activities become more hidden and complex, and at the same time, The control and detection of money-laundering offences have caused a number of obstacles. In recent years, the commercial banks of our country have made great efforts to develop online banking business, and present the development trend of well-run. With the progress of the information technology and the innovation of the product, the online banking business is continuously improved, the business volume is continuously increased, and the illegal criminal act such as the money-laundering of the online banking business can be prevented while the online banking business is continuously and steadily developed, It has become an urgent problem to be solved by the financial institutions. This paper, based on the characteristics of the risk of anti-money laundering of online banking, uses the risk management theory to study the risk of anti-money laundering of online banking. Through the combination of the theory and practice, the anti-money laundering risk of the online banking is recognized, and a constructive risk prevention countermeasure for the anti-money laundering risk of the online bank is put forward, namely, a system high-availability emergency plan is developed at the technical level, Establish perfect internal procedures and technical prevention measures, and regularly evaluate the scientific and technical information; at the operational level, establish the internal control system of online banking anti-money laundering risk, clear the responsibilities, avoid the legal risk, formulate the crisis management countermeasure, and reduce the reputation risk. This paper makes a comprehensive analysis and evaluation of the risk of anti-money laundering of online banking, and puts forward the countermeasures of risk prevention with a constructive meaning, in order to enhance the risk management ability of the anti-money laundering of the online banking, and to improve the risk management level to a new high level. On the basis of deep study on the risk management of anti-money laundering of online banking, it will be useful to promote the development of the risk management system of anti-money laundering in China's commercial banks.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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