银行风险为本反洗钱监管对策研究

发布时间：2018-01-10 06:12

本文关键词：银行风险为本反洗钱监管对策研究　出处：《华中科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：反洗钱与反恐怖融资是近年来国际社会普通关注的热点问题。我国自反洗钱工作全面开展以来，经过几年的努力，反洗钱工作成效显著，并获得国际社会的认可。随着洗钱手法的不断演化和我国金融机构及金融业务的迅猛发展，监管资源相对有限、金融机构合规成本增加等矛盾日益突出。同时出于遵循国际标准、适应国际反洗钱新形势的要求，我国开始了基于风险的反洗钱工作改革，，并进行了大量的工作尝试。如何探索建立适合我国国情的风险为本反洗钱监管机制，如何全面有效推进风险为本反洗钱监管是现阶段的反洗钱重点工作。本文对国际、国内反洗钱监管的主要形势，风险为本反洗钱监管原则和原理进行了基本分析，阐述了开展风险为本反洗钱监管的必然性和必要性。同时分别对湖北省辖内银行机构推行反洗钱工作方法和监管单位开展风险为本监管实践现状和问题进行了系统分析，在分析的基础上，指出实施法人监管模式下的分层监管是实现全面有效推进风险为本反洗钱监管的有效途径，并针对风险为本监管实践中存在的问题提出建立风险为本反洗钱制度体系、实行反洗钱岗位准入机制、根据洗钱类型报送可疑交易、构建信息共享平台等其他对策。本文的核心部分包括设计了法人监管下的分层监管并提出了其他全面有效推进分风险为本反洗钱监管的建议和对策。其中在分层监管设计中，充分结合风险为本监管程序，分别对金融机构法人机构和分支机构的风险识别、风险评估和风险管理进行了探讨，为推广法人监管模式下的分层监管提供了基础性的依据。
[Abstract]:Anti-money laundering and anti-terrorist financing are hot issues of international concern in recent years. Since the anti-money laundering work has been carried out in an all-round way, after several years of efforts, anti-money laundering work has achieved remarkable results. And the recognition of the international community. With the continuous evolution of money laundering techniques and the rapid development of financial institutions and financial business in China, regulatory resources are relatively limited, financial institutions compliance costs increase and other contradictions become increasingly prominent. At the same time, to comply with international standards. In order to meet the requirements of the new international anti-money laundering situation, China has started the reform of anti-money laundering based on risk, and has made a lot of efforts. How to explore how to establish a risk-oriented anti-money laundering regulatory mechanism suitable for the national conditions of our country. How to effectively promote the risk-based anti-money-laundering supervision is the key work of anti-money-laundering at this stage. In this paper, the international and domestic anti-money laundering supervision of the main situation, risk-based anti-money-laundering supervision principles and principles are analyzed. This paper expounds the inevitability and necessity of carrying out risk-based anti-money laundering supervision. At the same time, it makes a detailed analysis of the present situation and problems of the practice of carrying out the anti-money laundering work method and the risk oriented supervision practice in the banking institutions under the jurisdiction of Hubei Province. General analysis. On the basis of the analysis, it is pointed out that the implementation of hierarchical supervision under the mode of legal person supervision is an effective way to comprehensively and effectively promote risk-oriented anti-money laundering supervision. Aiming at the problems existing in the practice of risk-based supervision, this paper puts forward the establishment of risk-based anti-money laundering system, the implementation of anti-money laundering post access mechanism, and the reporting of suspicious transactions according to the type of money-laundering. Build information sharing platform and other countermeasures. The core part of this paper includes the design of hierarchical supervision under the supervision of legal persons and put forward other comprehensive and effective suggestions and countermeasures to promote risk-based anti-money-laundering supervision. In this paper, the risk identification, risk assessment and risk management of corporate and branch institutions of financial institutions are discussed. It provides the basic basis for promoting the hierarchical supervision under the legal person supervision mode.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.1

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