商业银行网上银行的反洗钱问题研究

发布时间：2018-05-11 18:50

本文选题：商业银行 + 网上银行　；参考：《华中科技大学》2012年硕士论文

【摘要】：当今的金融市场竞争激烈，国内商业银行纷纷转变经营发展方式，网上银行等电子化营销渠道作为商业银行实现转型的主要抓手。网上银行的便利和高效被广泛接受，也会被洗钱分子所利用，因此，研究商业银行网上银行反洗钱对策，规避合规风险，保证健康有序开展，是撰写本文的主要目的。本文不仅提出商业银行开展网上银行反洗钱的必要性，而且运用纳什理论，对商业银行间、商业银行与洗钱者、商业银行与监管部门进行博弈分析，说明在反洗钱监管下，商业银行在追求效用最大化的同时，如何“理性”做出选择。对网上银行反洗钱进行了成本收益分析，从效益成本角度提出做好网上银行反洗钱的工作措施。与我国相比，国际反洗钱工作领先一步，在洗钱的新发领域如网络洗钱确实有很好的做法值得我们学习与借鉴，因此，从国际网上银行洗钱案例入手，总结归纳了国际组织关于网上银行反洗钱的相关规定和工作框架，介绍了美国具体做法和经验，找出国际网上银行反洗钱经验启示。着重剖析了目前商业银行在网上银行反洗钱工作方面的不足，如客户身份识别难、可疑交易识别难、反洗钱监测系统不完善等七个问题，分析产生原因，并根据我国商业银行实际情况提出一些加强网上银行反洗钱工作的措施和建议。通过本文，不仅为反洗钱人员提供参考，对我国商业银行网上银行反洗钱工作献计献策，而且对网上银行洗钱更有清晰的认识，提高网上银行反洗钱的重视程度，为更好地适应监管要求，，防范合规风险，树立商业银行良好形象打下基础。
[Abstract]:Nowadays, the competition of financial market is fierce, domestic commercial banks have changed the mode of operation and development one after another, and electronic marketing channels such as online banking are the main means to realize the transformation of commercial banks. The convenience and efficiency of online banking are widely accepted and will also be used by money launderers. Therefore, the main purpose of this paper is to study the countermeasures against money laundering in commercial banks, to avoid compliance risks and to ensure healthy and orderly development. This paper not only puts forward the necessity for commercial banks to carry out online banking anti-money laundering, but also applies Nash theory to the game analysis between commercial banks, commercial banks and money launderers, commercial banks and regulators, and explains that under the supervision of anti-money laundering, Commercial banks are pursuing utility maximization, how to make a rational choice at the same time. This paper analyzes the cost and benefit of internet bank anti-money laundering, and puts forward some measures for anti-money laundering of internet bank from the point of view of benefit and cost. Compared with our country, the international anti-money laundering work is one step ahead, in the new area of money laundering, such as network money laundering, there are really good practices worth learning and reference. Therefore, starting with the case of international online bank money laundering, This paper summarizes and summarizes the relevant regulations and working framework of international organizations on the anti-money laundering of Internet banking, introduces the specific practices and experiences of the United States, and finds out the enlightenment of the anti-money-laundering experience of the international online banks. This paper emphatically analyzes the shortcomings of commercial banks in anti-money laundering work in online banking, such as customer identification, suspicious transaction identification, imperfect anti-money laundering monitoring system, and analyzes the causes. According to the actual situation of commercial banks in China, the paper puts forward some measures and suggestions to strengthen the anti-money laundering work of internet banks. Through this article, not only to provide reference for anti-money laundering personnel, but also to make suggestions to the anti-money laundering work of our commercial bank online bank, but also to have a clearer understanding of the money laundering of online bank, and to raise the degree of attention to anti-money laundering of online bank. In order to better adapt to regulatory requirements, prevent compliance risks, establish a good image of commercial banks lay the foundation.
【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】：F832.33

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