沈阳市商业银行反洗钱工作对策研究

发布时间：2018-03-06 13:38

本文选题：反洗钱　切入点：商业银行　出处：《大连理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：洗钱犯罪对国家和金融行业危害极大,扰乱了正常的经济金融秩序,破坏了现代社会的信用系统,最终可能触发经济危机。商业银行反洗钱工作是我国反洗钱管理工作体系的一个重要分支,基层商业银行则是反洗钱最前沿窗口,其反洗钱工作质量直接关系到商业银行反洗钱工作水平。本文运用公共政策分析理论,采用实证数据统计分析、数据对比等方法,收集并整理了沈阳市商业银行反洗钱工作的运营数据,分析研究了沈阳市商业银行反洗钱工作现状及存在的问题。运用政府失灵理论及公共部门战略管理理论,借鉴国内外先进经验,针对存在的问题制定了改进方案及配套对策。作者认为,现阶段沈阳市商业银行反洗钱存在以下问题：甄别工作质量参差不齐、人员岗位配置不足、技术手段老化及身份识别难等。经过对问题产生的原因进行剖析,总结出产生上述问题的原因主要有商业银行追求利益最大化、国际形势变化多样以及公众配合度不高。通过运用公共管理理论,借鉴美国、香港等国家和地区的反洗钱先进经验,提出了“125”改进方案,建议基层反洗钱工作应树立统一和科学的反洗钱工作理念、建立完善的“双线”反洗钱组织结构、优化反洗钱五个日常操作模式。作者认为反洗钱的工作理念应以“风险为本”,反洗钱组织结构应建立“业务与监管分离运行”的组织架构,同时应从加强反洗钱日常培训体制、采取集中处理的作业模式、更新科技平台、加大对公众的宣传力度、建立奖惩机制五个方面优化反洗钱日常操作模式,并对该方案进行了可行性分析。同时,为保证“125”方案的顺利实施提出了完善法律法规、建立信息平台、健全激励机制等方面的对策建议。
[Abstract]:The crime of money laundering does great harm to the country and the financial industry, disrupts the normal economic and financial order, and undermines the credit system of modern society. Commercial banks are an important branch of China's anti-money laundering management system, while grass-roots commercial banks are the most advanced window for anti-money laundering. The quality of anti-money-laundering work is directly related to the level of anti-money-laundering work of commercial banks. Based on the theory of public policy analysis, this paper collects and collates the operation data of anti-money laundering work of Shenyang commercial bank by means of empirical data statistical analysis, data contrast and so on. This paper analyzes and studies the present situation and existing problems of anti-money laundering work of commercial banks in Shenyang, applies the theory of government failure and the theory of strategic management of public sector, draws lessons from the advanced experience at home and abroad, and formulates the improvement scheme and supporting countermeasures for the existing problems. The author believes that the following problems exist in Shenyang Commercial Bank's anti-money laundering at present: the quality of the screening work is uneven, the personnel allocation is insufficient, the technical means are aging and the identification is difficult, and so on. The reasons for the above problems are summarized as follows: commercial banks pursue the maximization of benefits, the international situation is diverse and the degree of public cooperation is not high. By using the theory of public management, we can learn from the United States. The advanced anti-money laundering experiences of Hong Kong and other countries and regions have put forward the "125" improvement plan, and it is suggested that the grass-roots anti-money laundering work should establish a unified and scientific anti-money laundering work concept and establish a perfect "two-line" anti-money laundering organization structure. The author thinks that the working concept of anti-money laundering should be risk-based, the organizational structure of anti-money laundering should set up the organizational structure of "separate operation of operation and supervision", and the daily training system of anti-money laundering should be strengthened at the same time. Adopt the centralized operation mode, update the science and technology platform, increase the publicity to the public, establish the reward and punishment mechanism to optimize the daily operation mode of anti-money laundering, and carry on the feasibility analysis to this scheme. In order to ensure the smooth implementation of "125" scheme, the author puts forward some countermeasures and suggestions on perfecting laws and regulations, establishing information platform and perfecting incentive mechanism.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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