人民币国际化对我国银行业反洗钱监管的影响

发布时间：2018-11-06 16:49

【摘要】：当前经济全球化背景下贸易自由化、金融自由化使得资本、商品、人力和知识等资源在全球范围内可以实现最大化的流动,而这种放宽的经济环境也给洗钱犯罪分子可乘之机,他们可以在全球范围内清洗不法所得及其收益,直到最终变为表面上合法的财产。人民币国际化是构建国际货币新体系、促进中国国家利益的客观需要和必然选择。人民币真正成为国际货币是一个漫长的过程,但针对人民币的洗钱犯罪不会因此而推迟。通过银行的支付结算体系洗钱是洗钱行为已成为我国反洗钱工作面临的主要问题,银行系统又作为跨境人民币结算的重要部门,其反洗钱工作必将面临更为尖锐的挑战。基于上述背景,本文旨在分析人民币国际化下利用银行结算服务的跨境洗钱行为,讨论新形势下银行业反洗钱监管遭受的影响,丰富相关理论并提出针对性的建议。在人民币国际化的大背景下,首先总结分析国内外银行业反洗钱监管与人民币国际化发展现状；其次从银行跨境人民币结算服务的角度,研究分析了人民币跨境洗钱诱因与可能的流程,指出人民币国际化下银行业反洗钱的困境；再次,从契约有效的角度,建模讨论人民币国际化下银行业主管机构对银行、银行对员工在反洗钱监管方面的影响；最后,针对人民币国际化对银行业反洗钱监管的影响,围绕构建反洗钱风险预警机制、制定反洗钱监管奖惩机制及银行内部反洗钱机制三个方面,针对性的提出政策建议,以期为国家为有关部门稳步推进人民币国际化进程,防范和打击利用人民币国际化之机进行洗钱犯罪的行为提供对策建议。
[Abstract]:In the context of economic globalization, trade liberalization and financial liberalization enable capital, commodities, human resources and knowledge to be maximized globally, and this relaxed economic environment also gives money laundering criminals the opportunity to do so. They can launder illegal proceeds and proceeds globally until they finally become ostensibly legitimate property. RMB internationalization is the objective need and inevitable choice to construct a new international monetary system and promote China's national interests. It will take a long time for the yuan to become an international currency, but the money laundering crime against the yuan will not be delayed. Money laundering through the payment and settlement system of banks has become the main problem in the anti-money laundering work in China. As an important department of cross-border RMB settlement, the anti-money laundering work of the banking system is bound to face more acute challenges. Based on the above background, this paper aims to analyze cross-border money laundering using bank settlement services under the internationalization of RMB, discuss the influence of banking anti-money laundering supervision under the new situation, enrich relevant theories and put forward targeted suggestions. Under the background of RMB internationalization, this paper firstly summarizes and analyzes the current situation of banking anti-money laundering supervision and RMB internationalization at home and abroad. Secondly, from the point of view of bank cross-border RMB settlement service, the paper analyzes the inducement and possible process of cross-border RMB money laundering, and points out the dilemma of the banking industry against money laundering under the internationalization of RMB. Thirdly, from the perspective of the validity of the contract, the paper discusses the impact of the banking authorities on the banks and employees in the aspect of anti-money laundering supervision under the internationalization of RMB; Finally, in view of the impact of RMB internationalization on banking anti-money laundering supervision, the paper puts forward some policy recommendations, focusing on the construction of anti-money laundering risk warning mechanism, the establishment of anti-money laundering supervision reward and punishment mechanism and the internal anti-money laundering mechanism of banks. The aim is to provide countermeasures and suggestions for the government to steadily promote the internationalization of RMB and to prevent and crack down on the use of RMB internationalization for money laundering.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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