阳江市金融机构反洗钱工作绩效评估研究
发布时间：2018-07-22 11:12
【摘要】：我国反洗钱工作是随着改革开放的深入进行，并适应国际反洗钱形势逐步开展起来的。2003年底修订的《中华人民共和国中国人民银行法》明确规定“指导、部署金融业反洗钱工作，负责反洗钱的资金监测”是人民银行的职责之一。在当今时代，洗钱手法层出不穷，金融机构正是犯罪分子的主要洗钱渠道。同时，金融机构也随着经济而不断飞速发展，如何保证金融机构在发展的同时保证合规经营，已经成为监管机构的重要研究课题。反洗钱绩效评估作为人民银行考量金融机构反洗钱工作的一项重要监管手段，在促进金融机构合规经营、依法履行反洗钱职责方面具有重要的意义。 自2008年起，人民银行各分支机构开始逐步建立对金融机构反洗钱工作的绩效评估机制，并在不断地实践和完善。本文以中国人民银行阳江市中心支行对阳江市辖内金融机构反洗钱绩效评估的实践为例，总结了中国人民银行阳江市中心支行对金融机构的反洗钱绩效评估，主要采取了反洗钱绩效评估制度、机制、结果运用等做法，取得了促进金融机构内控建设、提高反洗钱履职水平、提升防范洗钱风险能力等成效。 本文从公共管理的角度，结合国内外研究现状、绩效管理理论、结果管理理论，采取文献研究法、访谈法、问卷调查法等实证研究方法，发现现有反洗钱绩效评估主要存在三方面问题，一是反洗钱绩效评估体系不够完善，包括评估指标未能很好符合当前监管要求，评估内容不具普遍性、评估设置不尽合理，相关惩戒激励机制缺失等；二是反洗钱绩效评估实施存在不足，包括评分机制存在矛盾、客观性难以有效保证；三是结果导向不够明确，包括反洗钱绩效评估排名被过分看重、反洗钱绩效评估结果不被重视等。 针对反洗钱绩效评估中的存在问题，本文结合工作实际，提出可行的对策建议，在修改反洗钱绩效评估指标及权重方面提出了增加新设评估指标、加大客户身份识别工作评估比重、建立相应惩戒及激励机制来实现，，在细化反洗钱评估标准方面提出了区分行业及法人机构评估、区分金融机构的实际权限、设立基准浮动分值评估来实现，在增强反洗钱绩效评估结果的指导作用方面提出了实行反洗钱绩效评估评级达标标准、加大监管和处罚力度来实现，从而进一步提高金融机构的反洗钱工作水平。
[Abstract]:China's anti-money laundering work is guided by the clear provisions of the people's Bank of China Law of the people's Republic of China, revised at the end of 2003, with the deepening of reform and opening up and adapting to the gradual development of the international anti-money laundering situation. It is one of the responsibilities of the people's Bank of China to deploy financial anti-money laundering and to monitor the anti-money laundering. Nowadays, money laundering techniques emerge in endlessly, and financial institutions are the main channels for criminals to launder money. At the same time, with the rapid development of the economy, how to ensure the development of financial institutions while ensuring compliance management has become an important research topic for regulators. The performance evaluation of anti-money laundering, as an important means for the people's Bank of China to consider the anti-money laundering work of financial institutions, is of great significance in promoting the compliance of financial institutions and performing the duty of anti-money laundering according to law. Since 2008, the branches of the people's Bank of China have started to establish a performance evaluation mechanism for the anti-money laundering work of financial institutions, and continue to practice and perfect it. This paper takes the practice of the central branch of the people's Bank of China to evaluate the anti-money laundering performance of financial institutions in Yangjiang City as an example, and summarizes the performance evaluation of anti-money laundering of financial institutions by the central branch of Yangjiang City of the people's Bank of China. This paper mainly adopts the performance evaluation system, mechanism and result application of anti-money laundering, and obtains the effect of promoting the construction of internal control of financial institutions, improving the performance level of anti-money laundering and improving the ability to prevent the risk of money laundering. From the perspective of public management, this paper combines the current research situation at home and abroad, the theory of performance management, the theory of results management, the literature research method, interview method, questionnaire survey and other empirical research methods. It is found that there are three main problems in the performance evaluation of anti-money laundering, one is that the performance evaluation system of anti-money laundering is not perfect enough, including the evaluation index fails to meet the current regulatory requirements, the content of the evaluation is not universal, and the evaluation setting is not reasonable. Lack of relevant disciplinary incentive mechanism; second, the implementation of anti-money laundering performance evaluation deficiencies, including the contradiction of scoring mechanism, objectivity is difficult to ensure effectively; third, the results are not clear enough, including anti-money laundering performance evaluation ranking is too important, Anti-money laundering performance evaluation results are not taken seriously. In view of the existing problems in the performance evaluation of anti-money laundering, this paper puts forward some feasible countermeasures and suggestions, and puts forward the new evaluation index in the aspect of modifying the performance evaluation index and weight of anti-money laundering. Increasing the proportion of customer identification evaluation, establishing the corresponding disciplinary and incentive mechanism to realize, in the aspect of refining the evaluation standard of anti-money laundering, proposing to distinguish the evaluation of industry and legal body, and differentiating the actual competence of financial institutions. Setting up the benchmark floating score evaluation to realize, in the aspect of enhancing the guidance function of the anti-money laundering performance evaluation result, putting into practice the standard of the anti-money laundering performance evaluation rating, strengthening the supervision and punishment to realize, Thus further improve the level of anti-money laundering work of financial institutions.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
[Abstract]:China's anti-money laundering work is guided by the clear provisions of the people's Bank of China Law of the people's Republic of China, revised at the end of 2003, with the deepening of reform and opening up and adapting to the gradual development of the international anti-money laundering situation. It is one of the responsibilities of the people's Bank of China to deploy financial anti-money laundering and to monitor the anti-money laundering. Nowadays, money laundering techniques emerge in endlessly, and financial institutions are the main channels for criminals to launder money. At the same time, with the rapid development of the economy, how to ensure the development of financial institutions while ensuring compliance management has become an important research topic for regulators. The performance evaluation of anti-money laundering, as an important means for the people's Bank of China to consider the anti-money laundering work of financial institutions, is of great significance in promoting the compliance of financial institutions and performing the duty of anti-money laundering according to law. Since 2008, the branches of the people's Bank of China have started to establish a performance evaluation mechanism for the anti-money laundering work of financial institutions, and continue to practice and perfect it. This paper takes the practice of the central branch of the people's Bank of China to evaluate the anti-money laundering performance of financial institutions in Yangjiang City as an example, and summarizes the performance evaluation of anti-money laundering of financial institutions by the central branch of Yangjiang City of the people's Bank of China. This paper mainly adopts the performance evaluation system, mechanism and result application of anti-money laundering, and obtains the effect of promoting the construction of internal control of financial institutions, improving the performance level of anti-money laundering and improving the ability to prevent the risk of money laundering. From the perspective of public management, this paper combines the current research situation at home and abroad, the theory of performance management, the theory of results management, the literature research method, interview method, questionnaire survey and other empirical research methods. It is found that there are three main problems in the performance evaluation of anti-money laundering, one is that the performance evaluation system of anti-money laundering is not perfect enough, including the evaluation index fails to meet the current regulatory requirements, the content of the evaluation is not universal, and the evaluation setting is not reasonable. Lack of relevant disciplinary incentive mechanism; second, the implementation of anti-money laundering performance evaluation deficiencies, including the contradiction of scoring mechanism, objectivity is difficult to ensure effectively; third, the results are not clear enough, including anti-money laundering performance evaluation ranking is too important, Anti-money laundering performance evaluation results are not taken seriously. In view of the existing problems in the performance evaluation of anti-money laundering, this paper puts forward some feasible countermeasures and suggestions, and puts forward the new evaluation index in the aspect of modifying the performance evaluation index and weight of anti-money laundering. Increasing the proportion of customer identification evaluation, establishing the corresponding disciplinary and incentive mechanism to realize, in the aspect of refining the evaluation standard of anti-money laundering, proposing to distinguish the evaluation of industry and legal body, and differentiating the actual competence of financial institutions. Setting up the benchmark floating score evaluation to realize, in the aspect of enhancing the guidance function of the anti-money laundering performance evaluation result, putting into practice the standard of the anti-money laundering performance evaluation rating, strengthening the supervision and punishment to realize, Thus further improve the level of anti-money laundering work of financial institutions.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
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