我国银行业反洗钱问题研究

发布时间：2018-03-01 22:20

本文关键词： 银行反洗钱问题对策　出处：《山西财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：洗钱是经济领域的严重犯罪,同时与其他犯罪活动相交织,对国家政治、经济和社会安全构成严重威胁。在经济领域,银行成为社会资金运动的中枢,在促进经济发展的同时,也常常被犯罪分子利用进行洗钱及其他犯罪活动。纵观国内外洗钱案例,绝大多数洗钱犯罪是通过银行提供的支付或其他中介服务完成了“黑钱”的清洗,银行成为洗钱犯罪的高危领域。从这个意义上来说,银行反洗钱意义重大。如何促进银行业更为有效履行反洗钱职责,预防和监测“黑钱”流入银行系统进行清洗,并为打击洗钱犯罪提供可靠信息情报,是当前提高我国反洗钱成效的重要环节。随着银行业反洗钱工作的深入开展,银行在反洗钱工作中遇到的困难,存在的问题及反洗钱制度存在的缺陷日渐明显,成为银行业反洗钱进程中的突出障碍。本文通过对我国银行业反洗钱现状进行深入分析,指出当前我国银行业反洗钱存在的主要问题和形成原因。同时通过对部分欧美及亚洲发达国家银行业反洗钱状况进行深入研究,学习反洗钱先进经验,并结合我国银行反洗钱实际对存在的主要问题提出解决的对策和建议。
[Abstract]:Money laundering is a serious crime in the economic field and intertwined with other criminal activities, which poses a serious threat to the political, economic and social security of the country. In the economic field, banks become the centre of social capital movements, while promoting economic development. It is also often used by criminals for money laundering and other criminal activities. Looking at domestic and foreign cases of money-laundering, the vast majority of money-laundering crimes are accomplished through "money laundering" through payment or other intermediary services provided by banks. Banks have become a high-risk area for money laundering crimes. In this sense, banks have great significance in combating money laundering. How to promote the banking industry to perform its anti-money-laundering duties more effectively and to prevent and monitor the "black money" flowing into the banking system for laundering. And to provide reliable information and intelligence for combating money-laundering crime is an important link to improve the effectiveness of anti-money laundering in our country. With the development of banking anti-money laundering work, banks have encountered difficulties in anti-money laundering work. The existing problems and the defects of the anti-money laundering system are becoming a prominent obstacle in the process of anti-money laundering in the banking industry. This paper makes a thorough analysis of the present situation of the banking anti-money laundering in China. This paper points out the main problems and causes of anti-money laundering in China's banking industry at present. At the same time, through the in-depth study on the situation of anti-money laundering in some developed countries in Europe, America and Asia, the author studies the advanced experience of anti-money laundering. Combined with the practice of anti-money laundering in Chinese banks, some countermeasures and suggestions are put forward to solve the existing problems.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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